Terms of Service

Last updated: July 9, 2026

1. Company Identity and Acceptance

These Terms of Service govern your use of Harmony Financial (Harmony Financial Limited) and its services. By accessing and using our website, you agree to be bound by these terms. If you do not agree with any part of these terms, you must discontinue use of our services immediately. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any changes. Please review these terms regularly to ensure you remain informed of any updates.

2. Scope of Services

We provide comprehensive financial planning tools and resources specifically designed for couples in Montreal seeking to build a shared financial future. Our platform offers guidance on joint budget planning, communication strategies for financial discussions, and goal-setting frameworks tailored for newlyweds. We deliver educational content, interactive planning tools, and personalized insights to help couples align their financial objectives and strengthen their partnership. These services are intended for informational and planning purposes to support healthy financial communication and decision-making within relationships.

3. User Obligations

You agree to use our services only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment of our platform. Prohibited behavior includes harassing, threatening, defaming, or otherwise causing harm to other users. You must not attempt to gain unauthorized access to our systems, upload malicious content, or interfere with the normal operation of our website. You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account. We reserve the right to suspend or terminate access for users who violate these obligations.

4. Intellectual Property Rights

All content on our website, including text, graphics, logos, images, audio, and video materials, is the exclusive property of Harmony Financial or our content providers and is protected by international copyright laws. You may not reproduce, distribute, transmit, modify, or create derivative works of any content without our explicit written permission. You grant us a non-exclusive license to use any feedback, suggestions, or content you submit to us. Your use of our services grants you a limited, non-transferable right to view and use the content for personal, non-commercial purposes only.

5. Limitations of Liability

Our services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of our content or services. We shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of or inability to use our services, even if we have been advised of the possibility of such damages. Financial decisions should be made in consultation with qualified professionals. We are not responsible for the accuracy of financial calculations, market conditions, or outcomes resulting from decisions made using our tools.

6. Termination of Access

We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and without prior notice or liability. Grounds for termination include violation of these terms, misuse of our platform, or any conduct we determine to be harmful or inappropriate. Upon termination, your right to access and use our services ceases immediately. We may also discontinue our services or portions thereof at any time. Any provisions that logically survive termination, such as intellectual property rights and limitation of liability, shall remain in effect.

7. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Canada, specifically the Province of Quebec, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Montreal, Quebec for the resolution of any disputes arising from these terms or your use of our services. This choice of law and jurisdiction applies to all claims, whether based on contract, tort, statute, or any other legal theory. By using our services, you consent to this legal framework and waive any objection to venue in Quebec courts.