Terms of Service

Last updated: July 9, 2026

Company Identity & Acceptance

These Terms of Service govern your use of RRSPwise (RRSPwise Financial Limited) and its services. By accessing and using our website, you agree to be bound by these terms in their entirety. If you do not agree with any part of these terms, you are not permitted to use our services. We reserve the right to modify these terms at any time, and your continued use of the website constitutes acceptance of any changes. Please review these terms regularly to stay informed of any updates or modifications.

Scope of Services

Our website provides educational information and guidance regarding RRSP and TFSA contribution strategies, registered account optimization, and retirement planning basics specifically tailored for Hamilton residents and savers. We deliver content designed to help you understand the fundamentals of registered accounts, contribution limits, withdrawal rules, and strategic planning approaches. Our services include articles, guides, and informational resources to support your financial education. Please note that our content is for educational purposes only and does not constitute personalized financial advice or professional investment recommendations.

User Obligations

You agree to use our website in compliance with all applicable laws and regulations. You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account. You must not engage in any conduct that disrupts, interferes with, or impairs the functioning of our website or services. You agree not to reproduce, duplicate, copy, or sell any content from our website without express written permission. You are prohibited from attempting to gain unauthorized access to our systems, networks, or services. Violation of these obligations may result in immediate termination of your access to our website.

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the exclusive property of our organization or our content suppliers and is protected by copyright and other intellectual property laws. You are granted a limited license to view and print content for personal, non-commercial use only. You may not modify, adapt, translate, or create derivative works based on our content without written consent. Any unauthorized use of our intellectual property is strictly prohibited. We actively enforce our intellectual property rights to the fullest extent permitted by law.

Limitations & Liability

Our website and all content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or completely secure. To the maximum extent permitted by law, we are not liable for any direct, indirect, incidental, special, or consequential damages arising from your use of or inability to use our website. This includes damages for loss of profits, data, or other intangible losses. Your sole remedy is to discontinue use of the website. Some jurisdictions do not permit limitations on liability, so some restrictions may not apply to you.

Termination

We reserve the right to terminate or suspend your access to our website at any time, with or without cause, and with or without notice. Termination may occur if you violate these terms or engage in conduct we determine to be inappropriate. Upon termination, your right to use the website ceases immediately. We are not responsible for any loss or damage resulting from termination of access. Any provisions of these terms that are intended to survive termination shall remain in effect, including intellectual property protections and limitations of liability.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Canada, specifically the laws of the Province of Ontario, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Ontario for the resolution of any disputes arising from these terms or your use of our website. Any legal action or proceeding must be brought within one year from the date the cause of action arises, or it shall be barred.