Terms of Service
Last updated: 8/9/2025
1. Acceptance of Terms
By accessing and using this Canadian Financial Education Tool ("Service"), 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.
2. Description of Service
This Service provides educational information about Canadian savings and investment accounts, including RRSPs, TFSAs, and FHSAs. The Service includes:
- Interactive educational questionnaires
- General financial education content
- Provincial tax information and calculations
- Educational summaries and recommendations
- PDF export and email functionality
3. Educational Nature and Disclaimers
⚠️ Important Disclaimer
This Service provides educational information only and does not constitute personalized financial advice, investment advice, or any form of professional financial planning.
- We are not licensed financial advisors, investment advisors, or tax professionals
- Information provided is for educational purposes only
- Individual financial situations vary and require personalized professional advice
- Tax laws and regulations change frequently
- Past performance does not guarantee future results
3.1 Professional Advice Recommendation
We strongly recommend that you consult with qualified professionals before making any financial decisions:
- Licensed financial advisors for investment advice
- Certified financial planners for comprehensive financial planning
- Tax professionals for tax-related decisions
- Legal professionals for legal matters
4. User Responsibilities
4.1 Accurate Information
You agree to provide accurate and complete information when using the Service. You are responsible for:
- Providing truthful responses to educational questions
- Keeping your information up to date
- Not misrepresenting your financial situation
4.2 Appropriate Use
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the Service for any illegal or unauthorized purpose
- Attempt to gain unauthorized access to our systems
- Interfere with or disrupt the Service
- Share false or misleading information
5. Intellectual Property
The Service and its original content, features, and functionality are and will remain the exclusive property of [Your Company Name] and its licensors. The Service is protected by copyright, trademark, and other laws.
You may use the educational content for personal, non-commercial purposes only. You may not reproduce, distribute, or create derivative works without our express written consent.
6. Privacy and Data Protection
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to our collection and use of information as described in our Privacy Policy.
7. Limitation of Liability
To the maximum extent permitted by applicable law, [Your Company Name] shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
- Your use or inability to use the Service
- Any financial decisions made based on educational content
- Any errors or omissions in the educational information
- Any unauthorized access to or use of our servers
- Any interruption or cessation of transmission to or from the Service
Important: This limitation of liability applies to all damages of any kind, whether based in contract, tort (including negligence), strict liability, or otherwise.
8. Indemnification
You agree to defend, indemnify, and hold harmless [Your Company Name] and its affiliates, officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt arising from:
- Your use of the Service
- Your violation of these Terms
- Your violation of any third-party rights
- Any financial decisions made based on educational content
9. Service Availability
We strive to provide a reliable and accessible Service, but we do not guarantee that the Service will be available at all times. The Service may be temporarily unavailable due to maintenance, updates, or other factors beyond our control.
10. Changes to Terms
We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Canada and the province of [Your Province], without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be resolved in the courts of [Your Province].
12. Contact Information
If you have any questions about these Terms of Service, please contact us:
Email: legal@investpath.ca
Acknowledgment
By using this Service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our Service.