Terms of Service

Agreement to Terms

These Terms of Service govern your use of SmartSpend Halifax (SmartSpend Halifax Limited) and its services. By accessing and using our website, you agree to be bound by these terms. If you do not agree with any part of these terms, you may not use our services. We reserve the right to modify these terms at any time, and your continued use of our website following any changes constitutes your acceptance of the updated terms.

Scope of Services

We provide educational content and courses focused on personal money management fundamentals and building smart spending habits for Halifax residents. Our platform offers online courses, resources, and guidance designed to help you develop better financial literacy and decision-making skills. The information and materials provided are intended for educational purposes only. We do not provide personalized financial advice, investment recommendations, or professional financial planning services.

User Obligations

You agree to use our website and services only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment. Prohibited behaviour includes:

• Harassing or causing distress or inconvenience to any person
• Transmitting obscene or offensive content or disrupting the normal flow of dialogue within our website
• Attempting to gain unauthorized access to our systems or networks
• Reproducing or distributing our content without permission
• Interfering with the proper functioning of our services

Intellectual Property Rights

All content on our website, including text, graphics, images, videos, and course materials, is the property of ours or our content providers and is protected by copyright and other intellectual property laws. You are granted a limited license to access and view our materials for personal, non-commercial use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any content without our express written permission.

Limitations of Liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our website or services. This includes loss of profits, data, or business opportunity. We provide our website and services on an "as is" basis without warranties of any kind. While we strive to provide accurate information, we do not guarantee the completeness, accuracy, or reliability of any content. You assume full responsibility for your use of our website.

Termination

We reserve the right to terminate or suspend your access to our website and services immediately, without prior notice or liability, for any reason whatsoever, including if you breach these Terms of Service. Upon termination, your right to use our services will immediately cease. We will not be liable to you or any third party for any claims arising from such termination. Your obligations under these terms will survive any termination.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Canada, specifically the laws of the Province of Nova Scotia, without regard to its conflict of laws principles. You agree that any legal action or proceeding arising out of or relating to these terms shall be exclusively subject to the jurisdiction of the courts located in Halifax, Nova Scotia.