Terms of Service — BalanceWise

Last updated: January 10, 2026

These Terms of Service ("Terms") govern your access to and use of the BalanceWise website, applications, and services (collectively, the "Service"). By accessing or using BalanceWise, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Who We Are

BalanceWise ("BalanceWise", "we", "us", or "our") provides tools designed to help users track contribution room and related information across registered accounts.

Contact:
📧 contact@balancewise.ca

2. Eligibility

You must be at least 13 years old to use BalanceWise. By using the Service, you represent that:

  • You meet the minimum age requirement
  • You are legally capable of entering into these Terms

3. Nature of the Service (No Advice)

BalanceWise provides informational and tracking tools only.

Important Disclaimer

BalanceWise does not provide:

  • Financial advice
  • Investment advice
  • Tax advice
  • Accounting advice
  • Legal advice

All information provided by BalanceWise is for general informational purposes only and should not be relied upon as a substitute for advice from a qualified professional such as a licensed financial advisor, accountant, or tax professional.

You are solely responsible for:

  • Verifying the accuracy of your financial information
  • Ensuring compliance with applicable tax laws and contribution limits
  • Any decisions or actions you take based on information from the Service

4. No Government or CRA Affiliation

BalanceWise is not affiliated with, endorsed by, or connected to:

  • The Canada Revenue Agency (CRA)
  • Any government entity
  • Any financial institution

Contribution room values shown in BalanceWise are estimates only and may differ from official records.

5. User Responsibilities

You agree to:

  • Provide accurate and current information
  • Use the Service only for lawful purposes
  • Not misuse, interfere with, or attempt to disrupt the Service
  • Not reverse engineer, scrape, or abuse the platform

You are responsible for maintaining the confidentiality of any account credentials.

6. Third-Party Services and Integrations

The Service may reference or integrate with third-party tools or services now or in the future. BalanceWise:

  • Does not control third-party services
  • Is not responsible for their accuracy, availability, or security
  • Is not liable for any loss arising from third-party services

Your use of third-party services is governed by their own terms and policies.

7. Future Features and Changes

BalanceWise may:

  • Add, modify, or remove features
  • Introduce paid plans or subscriptions
  • Change functionality at any time

We do not guarantee:

  • Continuous availability
  • Any specific feature or data source
  • That the Service will meet your requirements

8. Intellectual Property

All content, software, designs, and branding related to BalanceWise are owned by or licensed to BalanceWise and protected by intellectual property laws.

You may not copy, modify, distribute, or create derivative works without prior written consent.

9. Suspension and Termination

We may suspend or terminate access to the Service at any time, with or without notice, if:

  • These Terms are violated
  • Use poses a security or legal risk
  • The Service is discontinued

You may stop using the Service at any time.

10. Disclaimer of Warranties

The Service is provided "as is" and "as available", without warranties of any kind, whether express or implied. To the fullest extent permitted by law, BalanceWise disclaims all warranties, including:

  • Accuracy
  • Reliability
  • Merchantability
  • Fitness for a particular purpose
  • Non-infringement

We do not warrant that the Service will be error-free, uninterrupted, or fully accurate.

11. Limitation of Liability

To the maximum extent permitted by law:

  • BalanceWise shall not be liable for any indirect, incidental, consequential, special, or punitive damages
  • BalanceWise shall not be liable for financial losses, tax penalties, missed contribution room, or lost opportunities

In no event shall BalanceWise's total liability exceed $100 CAD or the amount you paid to use the Service (if any), whichever is greater.

12. Indemnification

You agree to indemnify and hold harmless BalanceWise from any claims, losses, damages, liabilities, or expenses arising from:

  • Your use of the Service
  • Your violation of these Terms
  • Your reliance on information provided by the Service

13. Governing Law

These Terms are governed by the laws of the Province of Ontario and the applicable laws of Canada, without regard to conflict of law principles.

14. Changes to These Terms

We may update these Terms from time to time. Updates will be posted on this page with a revised "Last updated" date. Continued use of the Service constitutes acceptance of the updated Terms.

15. Contact

Questions about these Terms?
📧 contact@balancewise.ca