Terms of Service

Last updated: July 9, 2026

1. Agreement to Terms

These Terms of Service govern your use of Budget Wise (Budget Wise Canada 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 continued use of our website following such modifications constitutes your acceptance of the updated terms.

2. Scope of Services

We provide an online platform dedicated to helping Toronto families create practical household budgets and spending plans. Our services include access to monthly budget templates, interactive workshop materials, educational content on financial planning, and tools designed to assist in personal budget creation and management. These resources are intended for educational purposes and general guidance only. We do not provide personalized financial advice or investment recommendations, and our content is not a substitute for professional financial or legal counsel.

3. 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 behavior includes:

• Harassing or causing distress or inconvenience to any person
• Obscene or offensive language or content
• Disrupting the normal flow of dialogue within our website
• Attempting to gain unauthorized access to our systems
• Transmitting obscene or offensive content
• Disrupting the normal operation of our services

4. Intellectual Property Rights

All content on our website, including but not limited to text, graphics, templates, images, and software, is the property of our organization or our content suppliers and is protected by international copyright laws. You may download and print materials for personal, non-commercial use only. You may not reproduce, distribute, modify, or transmit any content without our prior written consent. Unauthorized use of our intellectual property is prohibited and may result in legal action.

5. Limitations of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our website or services. This includes damages for loss of profits, goodwill, data, or other intangible losses. We do not guarantee that our services will be uninterrupted, error-free, or free from viruses or harmful components. We provide our services on an "as is" basis without warranties of any kind.

6. Termination of Access

We reserve the right to terminate or restrict your access to our website and services at any time, without notice, for conduct that we believe violates these Terms of Service or is otherwise harmful to our community. Upon termination, your right to use our services ceases immediately. We are not liable for any loss or damage arising from termination of access. You may also terminate your use of our services at any time by ceasing to access our website.

7. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Canada and the Province of Ontario, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located in Toronto, Ontario for the resolution of any disputes arising from or relating to these terms or your use of our website and services.