Terms of Service

1. Acceptance of Terms

By accessing and using the website operated by Amble Ash (hereinafter referred to as "the Company," "we," "us," or "our"), you agree to be bound by these Terms of Service, all applicable laws and regulations in the province of British Columbia and the federal laws of Canada. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

The materials contained in this website are protected by applicable copyright and trademark law. These terms apply to all visitors, users, and others who access or use the Service.

2. Description of Services

Amble Ash provides educational resources, comparative analyses, and structural frameworks specifically focused on Canadian registered savings accounts, namely the Tax-Free Savings Account (TFSA) and the Registered Retirement Savings Plan (RRSP). Our content is designed for residents of Victoria, BC, and the broader Canadian context to understand the mechanics of tax-deferred and tax-free growth.

Note: Amble Ash is an educational platform. We are not a bank, credit union, or brokerage. We do not hold client funds, execute trades, or provide personalized discretionary investment management.

3. Use License and Restrictions

Permission is granted to temporarily download one copy of the materials (information or software) on Amble Ash's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license, you may not:

• Modify or copy the materials;
• Use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
• Attempt to decompile or reverse engineer any software contained on the website;
• Remove any copyright or other proprietary notations from the materials;
• Transfer the materials to another person or "mirror" the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Amble Ash at any time.

4. Intellectual Property

The Service and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of Amble Ash and its licensors. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Amble Ash. The specific "Capital Structure Guide" and "Deferred Liability Framework" methodologies are proprietary assets of the Company.

5. Disclaimer of Warranties

The materials on Amble Ash's website are provided on an 'as is' basis. Amble Ash makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, Amble Ash does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site. Financial regulations regarding TFSA and RRSP limits are subject to change by the Canada Revenue Agency (CRA).

6. Limitation of Liability

In no event shall Amble Ash or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Amble Ash's website, even if Amble Ash or an Amble Ash authorized representative has been notified orally or in writing of the possibility of such damage.

Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you. In such cases, our liability will be limited to the maximum extent permitted by the laws of British Columbia.

7. Accuracy of Materials

The materials appearing on Amble Ash's website could include technical, typographical, or photographic errors. Amble Ash does not warrant that any of the materials on its website are accurate, complete, or current. Amble Ash may make changes to the materials contained on its website at any time without notice. However, Amble Ash does not make any commitment to update the materials.

8. Links to Third-Party Sites

Amble Ash has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Amble Ash of the site. Use of any such linked website is at the user's own risk.

9. Governing Law and Jurisdiction

These terms and conditions are governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein. You irrevocably submit to the exclusive jurisdiction of the courts located in Victoria, British Columbia, for the resolution of any disputes arising from these terms or your use of the website.

This site is intended for use by residents of Canada. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.

10. Modifications to Terms

Amble Ash may revise these Terms of Service for its website at any time without notice. By using this website, you are agreeing to be bound by the then-current version of these Terms of Service. We encourage users to check this page frequently for any changes.

11. Privacy and Data Protection

Your use of the website is also governed by our Privacy Policy, which is incorporated into these terms by reference. In accordance with the Personal Information Protection Act (PIPA) of British Columbia and the federal Personal Information Protection and Electronic Documents Act (PIPEDA), we are committed to protecting your personal data and privacy.

12. Contact Information

If you have any questions about these Terms, please contact the operator at: