Terms of Service

Last updated: 2025

Acceptance of Terms

By accessing and using this financial planning service, you accept and agree to be bound by the terms and provision of this agreement. We provide comprehensive resources for family finance management, budget planning, and household financial management across Canada. Our platform is designed to help families make informed decisions about their finances. If you do not agree to abide by the above, please do not use this service. We reserve the right to update these terms at any time without prior notice. Your continued use of the platform following the posting of revised Terms means that you accept and agree to the changes.

User Obligations and Responsibilities

Users are responsible for maintaining the confidentiality of their account information and passwords. You agree to accept responsibility for all activities that occur under your account. You agree not to use the service for any unlawful purpose or in violation of any laws or regulations. This includes providing false or misleading information about your financial situation. You must not engage in any conduct that restricts or inhibits anyone's use or enjoyment of the service. We expect users to provide accurate financial information to receive appropriate guidance. Users must not attempt to gain unauthorized access to our systems or networks. You agree to use this service only for legitimate family financial planning purposes.

Intellectual Property Rights

All content provided on this platform, including text, graphics, logos, images, and software, is the property of our organization or our content suppliers and is protected by international copyright laws. You may not reproduce, distribute, transmit, or display any content without our prior written permission. The information and guidance provided is for educational purposes to support household budget management and family finance decisions. You may download and print individual pages for personal, non-commercial use only. Any other use of the content is strictly prohibited. You agree not to modify, copy, or create derivative works based on our materials. Unauthorized use of our intellectual property may result in legal action.

Limitation of Liability

Our financial planning service is provided on an "as-is" basis. We make no warranties, expressed or implied, regarding the accuracy, completeness, or usefulness of any information provided. Financial guidance should not be considered professional financial advice. We recommend consulting with qualified financial advisors for personalized recommendations. To the fullest extent permitted by law, we disclaim all warranties and shall not be liable for any damages arising from your use of the service. This includes direct, indirect, incidental, consequential, or punitive damages. We are not responsible for any errors, omissions, or delays in content. Your use of this service is at your own risk and discretion.

Termination of Service

We reserve the right to terminate or suspend your account and access to the service at any time, with or without cause and with or without notice. Termination may occur if you violate these terms or engage in conduct we deem inappropriate. Upon termination, your right to use the service will immediately cease. We may also discontinue the service or any portion thereof at any time. In the event of termination, you remain obligated by these terms. Any provisions that by their nature should survive termination shall survive, including intellectual property rights and limitation of liability clauses. We will not be liable for any loss or damage resulting from termination of service.