Terms of Service

Last updated: July 9, 2026

Acceptance of Terms

These Terms of Service govern your use of Festive Budget (Festive Budget Planners Limited) and its services. By accessing and using our website, you acknowledge that you have read, understood, and agree to be bound by these terms. If you do not agree with any part of these terms, you are not authorized to use our services. We reserve the right to modify these terms at any time, and your continued use of our website following any changes constitutes your acceptance of the revised terms.

Scope of Services

Our website provides holiday spending planning tools, gift budget calculators, and festive season money allocation guidance specifically tailored for Ottawa families. We offer educational resources and planning templates to help you manage holiday expenses and set spending caps for gift-giving. Our content is designed to support your financial planning during the festive season. Please note that we do not provide personalized financial advice, investment recommendations, or professional accounting services.

User Obligations

You agree to use our website 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 website. Prohibited behavior includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content, and disrupting the normal flow of dialogue within our website. You are responsible for maintaining the confidentiality of your account information and password. You agree to accept responsibility for all activities that occur under your account and to notify us immediately of any unauthorized use.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the property of Festive Budget Planners Limited or our content suppliers and is protected by international copyright laws. You are granted a limited license to access and use our content for personal, non-commercial purposes. You may not reproduce, distribute, transmit, modify, or create derivative works based on our content without our prior written permission. Unauthorized use of any content may violate copyright, trademark, and other applicable laws.

Limitations of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our website or services. This includes damages for loss of profits, data, or other intangible losses. We provide our website on an "as is" basis without warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or free from viruses or other harmful components. Your use of our website is at your own risk.

Termination of Service

We reserve the right to terminate or suspend your access to our website and services at any time, without notice, for any reason including but not limited to violation of these terms. Upon termination, your right to use our website ceases immediately. We may delete your account and any associated data without liability. You may terminate your use of our services at any time by ceasing to access the website. Termination does not relieve you of any obligations or liabilities incurred prior to termination.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Canada, specifically the laws of Ontario, without regard to its conflict of law principles. You agree that any legal action or proceeding relating to your use of our website shall be exclusively brought in the courts located in Ottawa, Ontario. You consent to the jurisdiction of these courts and waive any objection to venue or inconvenient forum. If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.