Welcome to Sageplan Finance!
These Terms of Use (“Terms”) govern your access to and use of [sageplanfinance.ca] (the “Website”). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not access or use the Website.

1. Information Provided for Educational Purposes Only
The information contained on the Website is provided for educational and informational purposes only and does not constitute financial, tax, legal, or accounting advice. While the Website may contain general information on topics related to financial planning, it does not take into account your personal circumstances. You should always consult a qualified professional for advice specific to your situation.

2. User Conduct
You agree to use the Website lawfully and in accordance with these Terms. You agree not to:

1. Use the Website for unlawful purposes.

2. Transmit any content that is illegal, fraudulent, abusive, defamatory, obscene, or otherwise objectionable.

3. Infringe the intellectual property rights of others.

4. Disrupt or interfere with the operation of the Website.

5. Use the Website to impersonate any person or entity.

6. Collect or harvest personal data from other users of the Website.

7. Engage in any activity that could damage, disable, overload, or impair the servers or networks connected to the Website.

8. Use the Website for unauthorized commercial purposes.

3. Disclaimer
The Website is provided “as is” and “as available” without warranties of any kind, express or implied. We disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, completeness, reliability, security, and non-infringement.
We do not warrant that the Website will be uninterrupted or error-free, that defects will be corrected, or that the Website or the server that makes it available are free of viruses or other harmful components.

4. Limitation of Liability
To the fullest extent permitted by applicable law, we will not be liable for any direct, indirect, incidental, consequential, or special damages arising from or related to your use of the Website, even if we have been advised of the possibility of such damages.

5. Intellectual Property
The content of the Website, including text, graphics, logos, images, design, and other materials, is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, modify, distribute, or commercially exploit any content without our prior written consent.

6. User Accounts
You may create an account on the Website (“Account”). You are responsible for maintaining the confidentiality of your account information, including your password. You agree to be responsible for all activities that occur under your Account.

7. Third-Party Links and Services
The Website may contain links to third-party websites or services that are not under our control. We are not responsible for the content or practices of such third-party websites or services. Your use of those websites or services is at your own risk.

8. Termination
We may terminate your access to the Website at any time and for any reason, with or without notice. We may also suspend or disable your access to the Website if you violate any of these Terms.

9. Governing Law
These Terms are governed by and interpreted in accordance with the laws of the Province of Quebec, Canada, without regard to its conflict of law provisions.

10. Entire Agreement
These Terms constitute the entire agreement between you and us regarding your use of the Website.

11. Updates to the Terms
We reserve the right to modify these Terms at any time. The revised Terms will take effect immediately upon being posted on the Website. You are encouraged to review the Terms periodically for any changes or updates. Your continued use of the Website after the posting of revised Terms constitutes your acceptance of them.

12. Contact Us
If you have any questions about these Terms, please contact us at [email protected].