Terms of Service

Last updated: 2025

Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service. We reserve the right to make changes to these terms at any time. Your continued use of this website following the posting of revised terms means that you accept and agree to the changes.

This website is dedicated to providing comprehensive financial literacy education for Canadian residents. Our mission is to empower individuals with the knowledge and tools necessary to make informed financial decisions. All content provided is for educational purposes only and should not be considered as financial advice.

User Obligations and Conduct

Users agree to use this website in compliance with all applicable laws and regulations. You agree not to engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website. Prohibited behavior includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within our community.

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 must notify us immediately of any unauthorized use of your account or any other breaches of security related to financial literacy resources or money education materials.

Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is the property of our organization or its content suppliers and is protected by international copyright laws. The compilation of all content on this website is the exclusive property of our organization, with all rights reserved.

You may not reproduce, republish, distribute, or transmit any content without proper attribution and permission. Our budgeting guides, financial education materials, and money management resources are provided for personal, non-commercial use only. Any unauthorized reproduction or distribution of our educational content violates intellectual property rights.

Limitation of Liability

This website and its content are provided on an "as is" basis without warranties of any kind. We do not warrant that the website will be uninterrupted or error-free, or that defects will be corrected. To the fullest extent permissible by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose.

We shall not be liable for any damages arising out of or in connection with your use of this website, including but not limited to direct, indirect, incidental, special, consequential, or punitive damages. This includes losses related to financial decisions made based on our educational content about budgeting, saving money, or financial literacy.

Termination of Access

We reserve the right to terminate or suspend your access to this website at any time, without notice, for conduct that we believe violates these terms or is otherwise harmful to other users or to us. Termination may include removal of posted content and permanent account deletion.

Upon termination, your right to use this website immediately ceases. All provisions of these terms that by their nature should survive termination shall survive, including but not limited to intellectual property rights, disclaimers, and limitations of liability. Your access to financial literacy resources, budgeting tools, and money education materials will be discontinued.