Terms of Service

1. Subject and Acceptance of Conditions

These Terms of Service ("Terms") govern the access to and use of the Market Stitch website and its financial planning tools, guides, and educational materials. By accessing or using this website, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to all of these terms, do not use our services. In accordance with the Civil Code of Quebec and the Consumer Protection Act, your continued use of the site constitutes an unconditional acceptance of the contractual provisions set forth herein.

2. Description of Services

Market Stitch provides educational content regarding financial planning in Canada, specifically tailored for residents of Montreal and the province of Quebec. Our services include:

• Annual financial goal-setting frameworks;
• Investment vehicle educational guides (RRSP, TFSA, FHSA);
• Real estate financing insights for the Montreal market;
• Debt management and risk assessment strategies.

NOTICE: Market Stitch is an educational platform. We are not a registered financial brokerage, investment advisor, or tax consultancy under the Autorité des marchés financiers (AMF).

3. Rules of Use and Prohibitions

Users agree to use the website for lawful purposes only. You are strictly prohibited from:

• Using the site in any way that violates federal or provincial laws of Canada;
• Attempting to interfere with the proper working of the site via malware, scraping, or DDoS attacks;
• Reproducing, duplicating, or reselling any portion of our financial guides without express written consent;
• Impersonating Market Stitch employees or other users.

4. Intellectual Property

All content, including text, graphics, logos, icons, and software, is the property of Market Stitch or its content suppliers and is protected by Canadian and international copyright laws (Copyright Act, R.S.C., 1985, c. C-42).

The "Market Stitch" name and brand identity are trademarks and may not be used in connection with any product or service that is not ours without prior authorization.

5. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE".

Market Stitch makes no representations or warranties of any kind, express or implied, as to the operation of the site or the information, content, or materials included. Financial markets are volatile; past performance discussed in our guides is not indicative of future results. You use this information at your own risk.

6. Limitation of Liability

To the full extent permissible by applicable law in Quebec, Market Stitch shall not be liable for any damages of any kind arising from the use of any service, including, but not limited to direct, indirect, incidental, punitive, and consequential damages, including financial loss or loss of data.

Under no circumstances shall our total liability to you for all damages exceeds the amount paid by you, if any, for accessing this site during the past six months.

7. Applicable Law and Jurisdiction

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

Any dispute arising out of or related to these Terms shall be subject to the exclusive jurisdiction of the courts located in the judicial district of Montreal, Quebec.