Terms of Service

1. Agreement to Terms

By accessing or using our website, finpath.ca (the 'Service'), operated by FinPath Strategies Inc., you agree to be bound by these Terms of Service ('Terms'). If you disagree with any part of the terms, then you may not access the Service.

2. Description of Service

FinPath provides users with access to educational articles, guides, templates, and other content related to personal finance. The information provided is for educational and informational purposes only and does not constitute financial, legal, or professional advice. You should consult with a qualified professional before making any financial decisions.

3. User Obligations

As a user, you agree not to:

- Use the Service for any illegal purpose or in violation of any local, provincial, national, or international law.

- Reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service without express written permission from us.

- Attempt to gain unauthorized access to the Service's computer systems or engage in any activity that disrupts, diminishes the quality of, interferes with the performance of, or impairs the functionality of the Service.

4. Subscriptions and Payments

Some parts of the Service are available only with a paid subscription. If you choose to subscribe, you agree to pay all fees associated with your subscription on a timely basis. All fees are non-refundable. You may cancel your subscription at any time, and your access will continue until the end of your billing period.

5. Intellectual Property

All content, including text, graphics, logos, and software, is the property of FinPath Strategies Inc. or its content suppliers and is protected by Canadian and international copyright laws. You are granted a limited license only for purposes of viewing the material contained on this Service.

6. Limitation of Liability

In no event shall FinPath Strategies Inc., nor any of its officers, directors, and employees, be held liable for anything arising out of or in any way connected with your use of this Service. The information is provided 'as is' without any representations or warranties, express or implied.

7. Governing Law

These Terms will be governed by and interpreted in accordance with the laws of the Province of Manitoba, Canada, and you submit to the non-exclusive jurisdiction of the provincial and federal courts located in Manitoba for the resolution of any disputes.

8. Final Provisions

We reserve the right to modify or replace these Terms at any time. We will provide at least 30 days' notice prior to any new terms taking effect. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.