Terms of Service | Brindle Porch

1. Subject and Acceptance of Terms

Welcome to Brindle Porch. These Terms of Service ("Terms") constitute a legally binding agreement between you and Brindle Porch regarding your access to and use of our website and its content focused on family budgeting in Canada. By accessing our site, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and Cookie Policy.

If you do not agree with all of these Terms, you are expressly prohibited from using the site and must discontinue use immediately. We reserve the right, in our sole discretion, to make changes or modifications to these Terms at any time and for any reason.

2. Description of Website & Services

Brindle Porch provides practical guides, frameworks, and educational resources regarding household financial planning specifically tailored for the Toronto and broader Canadian context. This includes, but is not limited to, information on:

Toronto housing and commuting cost analysis.
Canadian tax-efficient saving strategies (RRSP, TFSA, RESP).
Sustainable grocery and energy budgeting frameworks.
Debt reduction and emergency fund planning.

The content provided is for informational purposes only and does not constitute professional financial, legal, or tax advice.

3. User Conduct and Prohibitions

By using this website, you agree not to:

Systematically retrieve data or other content from the site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
Circumvent, disable, or otherwise interfere with security-related features of the site.
Engage in unauthorized framing of or linking to the site.
Use the site in a manner inconsistent with any applicable laws or regulations in Ontario or Canada.
Upload or transmit viruses, Trojan horses, or other material that interferes with any party’s uninterrupted use and enjoyment of the site.

4. Intellectual Property Rights

Unless otherwise indicated, the site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the site (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by Brindle Porch.

The Content and Marks are provided on the site "AS IS" for your information and personal use only. Except as expressly provided in these Terms, no part of the site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

5. Financial Disclaimer (No Advice)

The information provided on Brindle Porch is for general educational purposes only and is not intended to be a substitute for professional financial advice.

Financial laws and regulations, particularly regarding taxation and government benefits in Canada (such as the Canada Child Benefit or Ontario Trillium Benefit), are subject to frequent changes. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information contained on the website.

You should consult with a certified financial planner or a qualified tax professional before making any significant financial decisions based on the content of this site.

6. Limitation of Liability

In no event will Brindle Porch, its directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the site, even if we have been advised of the possibility of such damages.

Notwithstanding anything to the contrary contained herein, our liability to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you to us during the six (6) month period prior to any cause of action arising.

7. Governing Law and Jurisdiction

These Terms and your use of the site are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of law principles.

Any legal action of whatever nature brought by either you or us (collectively, the "Parties") shall be commenced or prosecuted exclusively in the courts located in Toronto, Ontario, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to venue and jurisdiction in such courts.

For users in the European Union, we also adhere to the standards set by the General Data Protection Regulation (GDPR) regarding data handling, and for Canadian residents, we comply with the Personal Information Protection and Electronic Documents Act (PIPEDA).

8. Contact Information & Requisites

In order to resolve a complaint regarding the site or to receive further information regarding use of the site, please contact Brindle Porch at:

Company: Brindle Porch

Address: 422 Parliament St, Toronto

Email:

Phone: +1 (800) 290-9254