Terms of Service

1. Acceptance of Terms

By accessing and using Loonies & Sense ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

Loonies & Sense provides financial planning tools, calculators, and educational resources for Canadians. Our services include but are not limited to:

• Retirement planning calculators
• Investment account tracking
• Tax optimization tools
• Financial goal planning
• Educational content and blog posts

3. Not Financial Advice

IMPORTANT: The information and tools provided by Loonies & Sense are for educational and informational purposes only and do not constitute financial, investment, tax, or legal advice.

You should consult with qualified financial advisors, accountants, and/or legal professionals before making any financial decisions. We are not registered financial advisors and do not provide personalized financial advice.

4. User Accounts

To access certain features, you may need to create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your password
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

5. Acceptable Use

You agree not to:

• Use the Service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service
• Impersonate others or provide false information
• Scrape, copy, or redistribute our content without permission
• Use automated systems to access the Service without consent

6. Intellectual Property

All content on Loonies & Sense, including text, graphics, logos, calculators, and software, is the property of Loonies & Sense and is protected by Canadian and international copyright laws. You may not reproduce, distribute, or create derivative works without our express written permission.

7. User Data and Privacy

Your use of the Service is also governed by our Privacy Policy. We take data security seriously and encrypt all sensitive financial information. You retain ownership of any data you input into our tools.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. We do not warrant that:

• The Service will be uninterrupted or error-free
• Calculations and projections will be accurate or complete
• Any errors will be corrected
• The Service will meet your specific requirements

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOONIES & SENSE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, OR GOODWILL ARISING FROM YOUR USE OF THE SERVICE.

10. Indemnification

You agree to indemnify and hold harmless Loonies & Sense and its affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Service or violation of these Terms.

11. Changes to Service

We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice. We may also update these Terms from time to time. Continued use of the Service after changes constitutes acceptance of the new Terms.

12. Termination

We may terminate or suspend your access to the Service immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the Service will cease immediately.

13. Governing Law

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles.

14. Contact Information

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

• Email: legal@looniesandsense.ca
• Website: looniesandsense.ca