Mariposa: Financial & Debt Management Agent

Mariposa is Credit Canada’s AI-powered debt management agent. It provides personalized financial and debt management support to help you get out of debt, at your own pace and whenever it's most convenient for you.  

It offers:

• 24/7 support for everyone: You can address your debt concerns any time, day or night, using the AI chat without ever having to speak to anyone. 
• A reliable, non-judgemental credit counselling experience: Developed by credit counselling experts, Mariposa provides clear, compassionate guidance—just like a certified credit counsellor.
• Real-time, data-driven recommendations: Get a personalized debt assessment that instantly analyzes finances and provides tailored debt advice, resources, and referrals.
• Accessibility: An option for those with hearing, speech, or communication barriers.

Mariposa was developed by Credit Canada, Canada’s first and longest-standing non-profit credit counselling agency. For more than 50 years, we have been helping Canadians lead healthier financial lives, achieve their goals, and improve their quality of life through financial education and debt resolution. As a national, non-profit organization and Canada’s first and longest-standing credit counselling agency, Credit Canada has helped thousands avoid bankruptcy, become debt-free, and achieve financial wellness. 

Mariposa can:

• Assess your financial situation
• Provide tailored debt management options
• Offer budgeting tips and financial literacy resources
• Connect you with Credit Canada’s expert services if needed

Mariposa does not:

• Offer legal advice
• Offer debt consolidation loans 
• Manage payments for you

At Credit Canada, we adhere to strict privacy and security guidelines to ensure your information remains safe and confidential. We do not sell or share personal data with third parties, however, chat interactions may be passed to LLM providers. You can request data deletion at any time by contacting Credit Canada. For more details, please refer to our Privacy Policy.

To continuously enhance our services, some data from your interactions with Mariposa may be logged and processed. This helps us improve the platform, personalize your experience, and facilitate communication—all while maintaining strong security measures.

Before we request any personal data, we always request your explicit consent, ensuring you remain in control of your information at all times.

We take the security of your personal data seriously and implement strict safeguards to protect it. Personal data is never stored unless you explicitly provide it through form submissions.

Any data collected is encrypted both in transit and at rest, ensuring it remains secure at all times. This data is used solely for service improvement and abuse detection, with measures in place to anonymize information whenever possible.

No, you do not have to create an account to use Mariposa.

Yes - Mariposa offers guidance on managing debt and will provide you with tailored debt management recommendations. If needed, Mariposa can connect you to a certified Credit Counsellor for more personalized support.

No, Mariposa is an AI Agent and cannot negotiate on your behalf. However, it can guide you through available debt solutions and, if you choose to participate in a Debt Consolidation Program (DCP), our Credit Canada Credit Counsellors will negotiate with your creditors to reduce or eliminate your interest payments. Ask Mariposa about how a DCP works or learn more here.

Yes! Mariposa is a free tool provided by Credit Canada to help Canadians take control of their finances. Whether you’re using Mariposa, live chat, or speaking directly to one of our certified Credit Counsellors on the phone or in person, all of our credit counselling services are free and confidential.

Mariposa provides the same expert-backed debt help as a Credit Canada counsellor—but with the convenience of instant, 24/7 support and no need to speak to a person. You can start with Mariposa and choose to speak with a counsellor if needed or if your financial situation is complex.

Absolutely! If you prefer human support, Mariposa can guide you to connect with a certified Credit Counsellor at Credit Canada. Just ask!

We are consistently working to improve Mariposa, and welcome feedback through email at info@creditcanada.com. If Mariposa can’t provide the right answer, it will guide you to helpful resources or connect you with a Credit Counsellor. 

Yes! Mariposa is mobile-friendly and works on any device with internet access.

We value your feedback! If you have suggestions, or concerns, or want to report an issue, you can contact our team directly at mariposa@creditcanada.com or by submitting this form. Your input helps us improve Mariposa to better support you.