First, you can only use the "personal hotspot" on an iPhone 4 or 4s. If you have a 3gs, you need to do what I did: jailbreak and use MyWi.
And Russic is right. If you do have a 4 or 4s, Rogers allows free tethering via the built in "personal hotspot" if your data plan is 1gb/month or more. And Bell has the same.
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