Disclaimer

Last updated: July 9, 2026

This Disclaimer applies to the use of Harmony Financial (Harmony Financial Limited) and its content. We provide information for general purposes only, and our website is designed to help couples in Montreal and across Canada make informed financial decisions together. Your use of our website and resources constitutes your acceptance of these terms.

General Disclaimer

The information, tools, and resources provided on our website are intended for educational and informational purposes only. We do not guarantee the accuracy, completeness, or timeliness of any content presented. While we strive to provide current and reliable information about joint budgeting, financial goal setting, and communication strategies for couples, we make no warranties or representations regarding the suitability of this information for your specific circumstances.

Our website includes information about shared financial planning, budgeting techniques, communication exercises, and strategies designed specifically for newlyweds. However, the effectiveness of any strategy may vary depending on individual circumstances, personal values, and relationship dynamics. We encourage you to adapt our suggestions to fit your unique situation.

No Professional Advice

The content on our website is not intended to constitute professional financial advice, legal advice, tax advice, or investment advice. We are not financial advisors, accountants, lawyers, or tax professionals. Any information provided should not be relied upon as a substitute for professional consultation with qualified experts in these fields.

Before making significant financial decisions, including investment choices, tax planning, insurance purchases, or major financial commitments, we strongly recommend consulting with qualified professionals such as financial advisors, accountants, or legal counsel. The tools and frameworks we offer are meant to facilitate communication and understanding between partners, not to replace professional guidance.

Limitation of Liability

To the maximum extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our website or reliance on the information provided. This includes, but is not limited to, damages arising from lost profits, loss of data, or business interruption.

Our total liability, whether in contract, tort, or otherwise, shall not exceed the amount you paid for accessing our services, if any. We disclaim all responsibility for any financial losses, relationship issues, or other damages that may result from implementing suggestions from our website without consulting appropriate professionals. Use of our resources is entirely at your own risk.