Terms of Service
Last Updated: October 2023
1. Acceptance of Terms
By accessing and using the website operated by Copper Porchway, you signify your agreement to be bound by these Terms of Service, all applicable laws, and regulations. These terms constitute a legally binding agreement between you and Copper Porchway. If you do not agree with any of these terms, you are prohibited from using or accessing this site.
Your continued use of the site following the posting of changes to these terms will be deemed your acceptance of those changes. We reserve the right to update these terms at any time without prior notice.
2. Description of Services
Copper Porchway provides analytical content, educational resources, and data-driven insights regarding Canadian retirement frameworks, specifically the Canada Pension Plan (CPP), Old Age Security (OAS), and Guaranteed Income Supplement (GIS). Our services include:
- Deep-dive analysis of Calgary-specific cost of living for seniors.
- Structural comparisons of RRSP and TFSA mechanisms.
- Alternative accumulation strategy modeling.
- Journalistic reporting on pension legislative updates.
3. Eligibility and User Conduct
This website is intended for residents of Canada, specifically those interested in the Alberta financial landscape. By using this site, you represent that you are at least 18 years of age. You agree to use the site only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the site.
4. No Financial or Legal Advice
The information provided by Copper Porchway is for educational and informational purposes only. We are not licensed financial advisors, accountants, or lawyers. The analysis of CPP, OAS, and other investment structures should not be construed as personalized financial advice.
Retirement planning involves significant risk. You should consult with a certified financial planner (CFP) or a qualified professional in Calgary before making any decisions based on the content found on this website. Copper Porchway does not guarantee the accuracy or completeness of any data presented.
5. Intellectual Property Rights
The materials contained in this website, including but not limited to text, graphics, logos, and software, are the property of Copper Porchway and are protected by Canadian and international copyright and trademark laws. You are granted a limited, non-exclusive license to view and download content for personal, non-commercial use only.
You may not:
- Modify or copy the materials.
- Use the materials for any commercial purpose or public display.
- Attempt to decompile or reverse engineer any software contained on the site.
- Remove any copyright or other proprietary notations.
6. Prohibited Activities
Users are strictly prohibited from using the site to:
- Post or transmit any unlawful, threatening, or defamatory material.
- Engage in data mining, robots, or similar data gathering and extraction tools.
- Violate the security of the website or attempt to gain unauthorized access to our systems.
- Transmit any viruses, worms, or malicious code.
7. Limitation of Liability
In no event shall Copper Porchway 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 Copper Porchway's website, even if Copper Porchway 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. However, to the maximum extent permitted by law, our total liability shall not exceed the amount paid by you, if any, for accessing this site.
8. Indemnification
You agree to indemnify, defend, and hold harmless Copper Porchway, its officers, directors, employees, and agents from and against all losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from any violation of these terms and conditions or any activity related to your account by you or any other person accessing the site using your Internet account.
9. Governing Law and Jurisdiction
These terms and conditions are governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein. You irrevocably submit to the exclusive jurisdiction of the courts located in the City of Calgary for the resolution of any disputes.
Copper Porchway complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and Alberta's Personal Information Protection Act (PIPA). For users accessing from outside Canada, please be aware that your data will be processed according to Canadian standards.
10. Contact Information
If you have any questions about these Terms of Service, please contact Copper Porchway via the following methods:
Entity: Copper Porchway
Address: 815 8 Avenue SW, Calgary, AB T2P 3P2
Email:
Phone: +1 (459) 586-9807