Terms of Service

Last updated: July 9, 2026

Company Identity & Acceptance

These Terms of Service govern your use of MindfulSpend (MindfulSpend Canada Limited) and its services. By accessing and using our website, you agree to be bound by these terms and conditions. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any changes. If you do not agree with these terms, please discontinue use of our website immediately.

Scope of Services

We provide educational content and practical resources focused on smart consumer habits and impulse control techniques. Our services include access to mindful purchasing workshops specifically designed for London, Ontario residents, along with curated tips, strategies, and tools to help you develop healthier spending habits. We offer information and guidance aimed at improving your financial decision-making and fostering conscious consumption practices. Our content is designed for educational purposes and to support your personal financial wellness journey.

User Obligations

When using our services, you agree to use them only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment. 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 any account information and password you create. You agree to accept responsibility for all activities that occur under your account. We reserve the right to terminate accounts or restrict access if we determine that you have violated these terms.

Intellectual Property

All content provided on our website, including text, graphics, logos, images, and videos, is the property of our organization or our content suppliers and is protected by international copyright laws. You are granted a limited license to view and print the materials for personal, non-commercial use only. You may not reproduce, distribute, transmit, display, or perform any content from our website without our prior written permission. Any unauthorized use of our intellectual property may result in legal action. We respect third-party intellectual property rights and expect the same from our users.

Limitations of Liability

Our services are provided on an "as is" basis without warranties of any kind, either express or implied. We do not guarantee that our content is accurate, complete, or suitable for your specific circumstances. To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. The information provided is for educational purposes only and should not be considered professional financial, legal, or medical advice. We recommend consulting with qualified professionals before making significant financial decisions.

Termination

We may terminate or suspend your access to our services at any time, without prior notice or liability, for any reason whatsoever, including if you breach any provision of these terms. Upon termination, your right to use the services immediately ceases. We are not obligated to provide notice before exercising termination rights. You may terminate your use of our services at any time by discontinuing access to the website. Termination does not relieve you of any obligations incurred prior to the effective date of termination.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Canada, specifically the laws of the Province of Ontario, without regard to its conflict of law principles. You agree that any legal action or proceeding related to these terms shall be brought exclusively in the courts of Ontario. By using our services, you consent to the jurisdiction of these courts and waive any objection to venue or inconvenient forum. We are committed to resolving disputes fairly and in accordance with applicable Canadian law.