Terms of Service

Last updated: January 2025

1. Acceptance of Terms

By accessing or using MyWealthApp's services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services.

2. Description of Service

MyWealthApp provides a personal finance dashboard that allows users to track their net worth, monitor investments, and manage their financial portfolio. Our services are designed specifically for Canadian investors and support various Canadian account types including TFSA, RRSP, RRIF, RESP, FHSA, and RDSP.

3. Account Registration

To use our services, you must:

  • Create an account with accurate and complete information
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized use of your account
  • Be responsible for all activities conducted through your account

4. User Obligations

You agree not to:

  • Use the service for any unlawful purpose
  • Attempt to gain unauthorized access to any systems or networks
  • Interfere with or disrupt the service or servers
  • Transmit any viruses, worms, or other harmful code
  • Copy, modify, or distribute any content from the service
  • Use the service to store or transmit infringing, libelous, or unlawful content

5. Financial Information Disclaimer

MyWealthApp is a portfolio tracking tool and information aggregator. We provide educational and informational services only. You acknowledge and agree that:

  • The service does not constitute financial, investment, or legal advice
  • You should consult with qualified professionals for financial decisions
  • We do not guarantee the accuracy or completeness of financial data
  • Investment values displayed may be delayed or outdated

6. Intellectual Property

All content, features, and functionality of MyWealthApp (excluding user-provided data) are owned by us and are protected by international copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

7. User Data

You retain ownership of all financial data you input into the service. By using our services, you grant us a license to use, process, and store your data solely for the purpose of providing our services to you. You may delete your data at any time by deleting your account.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.

9. Limitation of Liability

IN NO EVENT SHALL MYWEALTHAPP, ITS OFFICERS, DIRECTORS, OR EMPLOYORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES.

10. Indemnification

You agree to indemnify and hold harmless MyWealthApp and its officers, directors, and employees from any claims, damages, losses, or expenses arising from your use of the service or your violation of these Terms of Service.

11. Termination

We may terminate or suspend your account and access to the service at our sole discretion, without prior notice, for conduct that we believe violates these Terms of Service or is harmful to other users, us, or third parties.

12. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of any material changes by posting the new Terms of Service on this page and updating the "Last updated" date. Your continued use of the service after any changes constitutes acceptance of the new terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Canada and the province or territory in which you reside, without regard to its conflict of law provisions.

14. Third-Party Links

Our service may contain links to third-party websites or services that are not owned or controlled by MyWealthApp. We have no control over and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

15. Contact Information

If you have any questions about these Terms of Service, please contact us at: terms@mywealthapp.com