Terms of Service

Last updated: February 3, 2026

1. Acceptance of Terms

By accessing and using Investing for Canadians ("the Website", "we", "us", or "our"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Services

Investing for Canadians provides educational resources, tools, and services related to investing and financial planning for Canadian residents, including but not limited to:

• ETF comparison and tracking tools
• Financial calculators and analysis tools
• Investment education courses and content
• AI-powered chat services for investment-related questions
• Access to investment-related information and data

3. Not Financial Advice

IMPORTANT: The information provided on this Website is for educational and informational purposes only. It is not intended as, and shall not be understood or construed as, financial, investment, tax, legal, or professional advice. The content on this Website is general in nature and may not be suitable for your specific financial situation.

You should consult with a qualified financial advisor, accountant, or other professional before making any investment decisions. We do not provide personalized investment advice, and any information provided through our services should not be considered as a recommendation to buy, sell, or hold any particular investment.

4. User Accounts

To access certain features of the Website, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your password and identification
• Accept all responsibility for any activity that occurs under your account
• Notify us immediately of any unauthorized use of your account

5. AI Chat Service and Credits

Our AI chat service is provided for educational purposes only. By using this service, you understand that:

• Responses are generated by artificial intelligence and may contain errors or inaccuracies
• AI-generated content should not be considered as professional financial advice
• You are responsible for verifying any information provided through the chat service
• Chat credits are non-refundable except as required by law
• We reserve the right to modify credit pricing, availability, or terms at any time

6. Payment Terms

If you purchase credits or other paid services:

• All fees are in Canadian dollars (CAD) unless otherwise stated
• Payments are processed through secure third-party payment processors
• All sales are final unless otherwise stated or required by law
• We reserve the right to change our pricing at any time, with notice to existing users
• Refunds will be provided only in accordance with applicable consumer protection laws

7. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, software, and data, is the property of Investing for Canadians or its content suppliers and is protected by Canadian and international copyright laws. You may not:

• Reproduce, distribute, or create derivative works from our content without permission
• Use our content for commercial purposes without authorization
• Remove any copyright or proprietary notices from our content

8. User Conduct

You agree not to:

• Use the Website for any unlawful purpose or in violation of any laws
• Attempt to gain unauthorized access to any portion of the Website
• Interfere with or disrupt the Website or servers
• Use automated systems to access the Website without permission
• Transmit any viruses, malware, or harmful code
• Impersonate any person or entity

9. Data and Information Accuracy

While we strive to provide accurate and up-to-date information:

• We do not guarantee the accuracy, completeness, or timeliness of any information on the Website
• ETF data, performance metrics, and other financial information are provided for informational purposes only
• You should verify all information independently before making investment decisions
• We are not responsible for any errors or omissions in the information provided

10. Limitation of Liability

To the fullest extent permitted by law:

• Investing for Canadians shall not be liable for any indirect, incidental, special, consequential, or punitive damages
• We are not responsible for any investment losses or financial damages resulting from your use of our services
• Our total liability shall not exceed the amount you paid to us in the 12 months preceding the claim
• Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above may not apply to you

11. Indemnification

You agree to indemnify and hold harmless Investing for Canadians, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of or relating to your use of the Website or violation of these Terms.

12. Third-Party Links and Services

The Website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of third-party sites. Your use of third-party sites is at your own risk.

13. Termination

We reserve the right to terminate or suspend your account and access to the Website at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Website after such modifications constitutes acceptance of the updated Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Canada and the province in which Investing for Canadians operates, without regard to its conflict of law provisions.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: investing.canadians@gmail.com
Website: Investing for Canadians

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Investing for Canadians regarding the use of the Website and supersede all prior agreements and understandings.