Terms of Service

Effective Date: January 1, 2025

Agreement to Terms

These Terms of Service ("Terms") govern your use of BudgetNorth's website located at budgetnorth.ca (the "Service") operated by BudgetNorth ("us", "we", or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

Description of Service

BudgetNorth is an educational website providing Canadian families with budgeting tools, templates, guides, and resources to help manage household finances. Our services include:

  • Budget planning guides and educational content
  • Downloadable templates and checklists
  • Budget tracking tools and calculators
  • Newsletter subscriptions with budgeting tips
  • Financial education resources specifically for Canadian families

Educational Purpose Only

IMPORTANT: BudgetNorth provides educational information only. Our content is not intended as:

  • Financial advice or investment recommendations
  • Tax advice or accounting services
  • Legal advice regarding financial matters
  • Guaranteed financial outcomes
  • Substitute for professional financial planning

You should consult with qualified financial, tax, or legal professionals before making financial decisions.

User Accounts

When you create an account with us, you must provide information that is accurate, complete, and current at all times. You are responsible for:

  • Safeguarding your account password
  • All activities that occur under your account
  • Immediately notifying us of any unauthorized use of your account

User Content

Our Service may allow you to post, link, store, share and otherwise make available certain information, text, graphics, or other material ("Content"). You are responsible for the Content that you post to the Service, including its legality, reliability, and appropriateness.

Content Restrictions

You agree not to post Content that:

  • Is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, or invasive
  • Infringes intellectual property rights of others
  • Contains viruses or malicious code
  • Constitutes spam, chain letters, contests, or junk email
  • Violates any laws or regulations

Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of BudgetNorth and its licensors. The Service is protected by copyright, trademark, and other laws.

Your Content License

By posting Content to our Service, you grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such Content on and through the Service.

Downloadable Templates and Resources

We provide downloadable templates, checklists, and resources for educational purposes. When you download these materials:

  • You may use them for personal, non-commercial purposes
  • You may modify them to suit your family's needs
  • You may not redistribute or resell the templates
  • You may not remove copyright notices or attribution
  • You may not claim ownership of the original design

User Conduct

You agree not to engage in any of the following prohibited activities:

  • Reproducing, duplicating, or copying portions of the Service
  • Using automated systems to access the Service
  • Attempting to interfere with the proper functioning of the Service
  • Using the Service for any unlawful purpose
  • Harassing, abusing, insulting, harming, defaming, slandering, disparaging
  • Using or launching any automated system without our written consent

Disclaimer of Warranties

The information on this website is provided on an "as is" basis. To the fullest extent permitted by law, this Company:

  • Disclaims all warranties, express or implied
  • Does not warrant that the website will be constantly available
  • Does not warrant that the information is accurate, complete, or current
  • Disclaims responsibility for errors or omissions

Limitation of Liability

In no event shall BudgetNorth, nor its directors, employees, partners, agents, suppliers, or affiliates, 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 of the Service.

Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will cease immediately.

Governing Law

These Terms shall be interpreted and governed by the laws of Canada, and you submit to the exclusive jurisdiction of the federal and provincial courts sitting in Ontario, Canada for the resolution of any disputes.

Changes to Terms

We reserve the right, at our sole discretion, 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.

Newsletter Subscription

If you subscribe to our newsletter:

  • You consent to receive email communications from us
  • You can unsubscribe at any time using the unsubscribe link
  • We will not sell or share your email address with third parties
  • We will only use your email for the purposes you consented to

Canadian Privacy Compliance

We comply with Canadian privacy legislation including:

  • Personal Information Protection and Electronic Documents Act (PIPEDA)
  • Provincial privacy laws where applicable
  • CASL (Canada's Anti-Spam Legislation) for email communications

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

Contact Information

If you have any questions about these Terms of Service, please contact us:

Acknowledgment

By using BudgetNorth's service, you acknowledge that you have read these terms of service and agree to be bound by them.

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