Last updated: May 2026 — Ryan Carruthers, Elements2012
Welcome to elements2012.ca. These Terms of Use govern your access to and use of the website located at elements2012.ca, owned and operated by Ryan Carruthers. By accessing, browsing, or using this website in any capacity, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Use in their entirety. If you do not agree with any part of these terms, you must discontinue use of elements2012.ca immediately.
Your continued use of elements2012.ca constitutes your full and unconditional acceptance of these Terms of Use. Ryan Carruthers reserves the right to amend, modify, or update these terms at any time without prior notice. It is your responsibility to review these Terms of Use periodically to remain informed of any changes. The most current version will always be published on this page with the updated effective date.
All content published on elements2012.ca, including casino reviews, Interac payment guides, bonus analyses, and operator comparisons, is provided strictly for informational and entertainment purposes only. The content authored and edited by Ryan Carruthers is intended to help Canadian adults make more informed decisions when researching online gambling platforms that support Interac transactions.
Nothing on elements2012.ca constitutes financial advice, legal advice, gambling strategy advice, or a recommendation to gamble. You should not rely on any content published on this website as a substitute for professional financial or legal counsel. Always consult a qualified professional before making decisions involving real money.
elements2012.ca is a review and comparison website. The information provided falls under the category of "Your Money or Your Life" (YMYL) content, and as such, we emphasize the following:
Access to elements2012.ca is strictly restricted to individuals who are 18 years of age or older. In certain Canadian provinces where the legal gambling age is 19, users must meet their applicable provincial age requirement. By using this website, you confirm that you meet the minimum legal age to access gambling-related content in your jurisdiction. Ryan Carruthers and elements2012.ca do not knowingly provide content to minors. If you believe a minor has accessed this site, please contact us immediately.
elements2012.ca and its owner, Ryan Carruthers, shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this website or its content. This includes, but is not limited to, financial losses incurred through gambling, reliance on inaccurate or outdated casino information, or technical errors on the site. All content is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.
All written content, editorial reviews, graphics, logos, and site structure published on elements2012.ca are the intellectual property of Ryan Carruthers unless otherwise indicated. Reproduction, redistribution, or republication of any content from elements2012.ca without prior written permission is strictly prohibited. Unauthorized use may result in legal action under applicable Canadian intellectual property law.
elements2012.ca may contain links to third-party casino operators, payment providers, or external websites. These links are provided for convenience only. Ryan Carruthers does not endorse and is not responsible for the content, privacy practices, or terms of any third-party website. Visiting external links is done entirely at your own risk.
These Terms of Use shall be governed by and construed in accordance with the laws of Canada and the applicable provincial laws. Any disputes arising from your use of elements2012.ca shall be subject to the exclusive jurisdiction of the courts located in Canada.
If you have any questions regarding these Terms of Use, please contact the site owner and content author, Ryan Carruthers, through the official contact channels available at elements2012.ca.