Terms of Service

Last updated: July 9, 2026

Company Identity and Acceptance

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

Your use of our platform is conditional upon your acceptance of all terms, conditions, and notices contained in this agreement. We provide these terms to ensure a transparent and fair relationship with all users.

Scope of Services

We provide educational content and resources focused on zero-based budgeting methods designed for beginners in Vancouver households. Our course materials teach the allocation of every dollar to specific budget categories, helping you develop a comprehensive understanding of personal financial management. We offer instructional content, budgeting templates, worksheets, and guidance tailored to Canadian financial contexts and Vancouver-area residents.

Our services are informational and educational in nature. We do not provide personalized financial advice, investment recommendations, or professional accounting services. All content is provided for general educational purposes to help you understand budgeting principles and practices.

User Obligations

You agree to use our website and services only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict their use and enjoyment of our website. Prohibited behavior includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content, and disrupting the normal flow of dialogue within our website.

You are responsible for maintaining the confidentiality of any account information and password. You agree to accept responsibility for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account or any other breaches of security.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the property of DollarWise Canada Limited or its content suppliers and is protected by international copyright laws. You may not reproduce, distribute, transmit, or display any content without our prior written permission. The compilation and arrangement of all content on our website is the exclusive property of us and is protected by copyright.

You may download and print materials from our website for personal, non-commercial use only. Any other use of the materials is strictly prohibited. Unauthorized reproduction or distribution of our copyrighted materials may result in civil and criminal liability.

Limitations of Liability

Our website and all content are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of any content. We are not liable for any damages arising from the use of our website or services, including direct, indirect, incidental, consequential, or punitive damages, even if we have been advised of the possibility of such damages.

We do not guarantee that our website will be error-free, uninterrupted, or free from harmful components. Your use of our website and reliance on any content is entirely at your own risk. We are not responsible for any loss or damage resulting from the use or inability to use our services.

Termination

We reserve the right to terminate your access to our website and services at any time, for any reason, without notice or liability. This includes termination for violation of these terms, illegal activity, or any other reason we deem appropriate. Upon termination, your right to use our services ceases immediately, and all provisions of these terms that by their nature should survive termination shall survive.

You may terminate your use of our services at any time by ceasing to access our website. Your termination does not relieve you of any obligations incurred prior to termination.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Canada and the Province of British Columbia, without regard to its conflict of law provisions. You agree that any legal action or proceeding relating to these terms shall be brought exclusively in the courts of Vancouver, British Columbia, and you consent to the jurisdiction of such courts.

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. Your failure to enforce any right or provision shall not constitute a waiver of such right or provision.