Terms and Conditions

1. Acceptance of Terms

By accessing the website www.finky.biz (the "Service"), the user acknowledges having read, understood, and accepted these Terms and Conditions ("Terms").

If you do not accept these Terms, you must not use the Service.

Use of the Service is reserved for persons at least 18 years of age, or who have legal authorization from a parent or guardian.

2. Description of Service

Finky provides calculation tools, simulators, and financial estimates (including, but not limited to: RRSP, TFSA, FHSA, mortgage, taxation, financial projections).

The Service is provided strictly for informational and educational purposes. It does not constitute:

• financial advice
• tax advice
• legal advice
• an investment recommendation

4. Accuracy of Information

Finky strives to provide reliable tools, but does not guarantee:

• the accuracy of results
• their completeness
• their conformity to the user's personal situation
• their adequacy to applicable tax laws

As tax and financial rules may change, some results may become outdated without notice.

5. Limitation of Liability

To the fullest extent permitted by applicable law:

The creator of Finky shall in no case be held liable for:

• financial losses
• loss of income
• loss of opportunities
• calculation errors
• decisions made by the user
• direct or indirect damages
• special, consequential, or punitive damages

resulting from the use or inability to use the Service.

6. Use at Your Own Risk

Use of the Service is entirely at the user's own risk. The Service is provided "as is" and "as available", without any express or implied warranty.

7. User Responsibility

The user agrees to:

• provide accurate data when using the calculators
• use the Service legally
• not misuse the Service from its intended purpose

The user is solely responsible for the interpretation and use of results.

8. Prohibited Uses

It is strictly prohibited to:

• use the Service for illegal or fraudulent purposes
• attempt to bypass security measures
• perform scraping, reverse engineering, or unauthorized reproduction
• resell or redistribute tools or results without written authorization
• intentionally overload the Service

9. Intellectual Property

All content of Finky, including:

• source code
• algorithms
• texts
• graphics
• logos
• trademarks

is protected by intellectual property laws and remains the exclusive property of the creator of Finky, unless otherwise indicated.

Any unauthorized reproduction or exploitation is prohibited.

10. Service Availability

Finky reserves the right to:

• modify the Service
• suspend or interrupt access
• correct errors
• remove certain features

without notice and without obligation of compensation.

11. Accounts and Access

If user accounts are offered:

• the user is responsible for the confidentiality of their access credentials
• any activity performed through their account is attributable to them

12. Personal Data Protection

The collection and use of personal data are governed by Finky's Privacy Policy, in compliance with applicable laws (GDPR, Law 25 - Quebec).

13. Changes to Terms

Finky reserves the right to modify these Terms at any time. Continued use of the Service after modification constitutes acceptance of the new Terms.

14. Governing Law and Jurisdiction

These Terms are governed by the laws of the Province of Quebec (Canada), without regard to conflict of laws principles.

Any dispute shall be subject to the exclusive jurisdiction of the courts of Quebec.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16. Contact

For any questions regarding these Terms:

Email: support@finky.biz