Terms of Use

1. Not financial, legal, or tax advice

The content on this Site, including the blog, is provided for general informational and educational purposes only. It is not personalized financial, investment, legal, accounting, or tax advice, and it does not create an advisor-client relationship. Financial situations vary, and information on the Site may not apply to your specific circumstances.

Journey Financial does not sell investment products, does not receive commissions, and is not registered as a securities dealer, investment fund manager, or portfolio manager. Personalized financial planning services are only provided through a formal, written engagement.

You should consult a qualified professional before acting on any information found on this Site.

2. Use of the site

You agree to use the Site only for lawful purposes. You will not:

• use the Site in any way that violates applicable Canadian law;
• attempt to gain unauthorized access to any portion of the Site or its underlying systems;
• interfere with the operation or security of the Site;
• use automated tools to scrape, copy, or index the Site without our prior written consent; or
• submit false, misleading, or harmful information through any form.

3. Intellectual property

All content on the Site, including text, blog posts, graphics, logos, and layout, is owned by Journey Financial or its licensors and is protected by Canadian and international copyright and trademark laws. You may view and share links to the content for personal, non-commercial purposes. You may not reproduce, republish, or distribute Site content without our prior written permission, except for brief quotations with proper attribution and a link back to the original page.

4. Third-party links and tools

The Site may contain links to third-party websites or embed third-party tools (such as our Calendly booking widget). We do not control these third parties and are not responsible for their content, availability, privacy practices, or terms of use. Your use of any third-party site or tool is at your own risk and subject to that third party's terms.

5. No warranties

The Site and its content are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

6. Limitation of liability

To the fullest extent permitted by law, Journey Financial and Laura Recoskie will not be liable for any direct, indirect, incidental, consequential, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or related to your use of, or inability to use, the Site or any information on it, even if we have been advised of the possibility of such damages.

Nothing in these Terms limits liability that cannot be limited under applicable law.

7. Indemnity

You agree to indemnify and hold Journey Financial and Laura Recoskie harmless from any claims, losses, liabilities, damages, and expenses (including reasonable legal fees) arising out of your use of the Site, your breach of these Terms, or your violation of any law or the rights of a third party.

8. Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect personal information.

9. Changes to these terms

We may update these Terms from time to time. The "Last updated" date at the top of the page reflects the most recent revision. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

10. Governing law and jurisdiction

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles. You agree that any dispute arising out of or in connection with the Site or these Terms will be resolved exclusively in the courts located in Ontario, Canada.

11. Contact

Questions about these Terms can be sent to info@journeyfinancial.ca.