Terms of Service

1. Acceptance of Terms

By accessing or using Keel Wealth ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service. We reserve the right to modify these terms at any time, and your continued use of the Service constitutes acceptance of any changes.

2. Description of Service

Keel Wealth provides personal finance management tools including budget tracking, expense monitoring, savings goals, and financial insights. The Service is designed to help users manage their personal finances and is not intended to provide financial, investment, or tax advice.

3. User Accounts

To access certain features of the Service, you must create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate and complete information during registration
• Notifying us immediately of any unauthorized use of your account

4. Acceptable Use

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit harmful code, viruses, or malicious software
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the Service

5. Subscription and Payments

Keel Wealth offers both free and premium subscription tiers. Premium subscriptions are billed in accordance with the pricing displayed at the time of purchase. Subscriptions automatically renew unless cancelled before the renewal date. Refunds are handled in accordance with our refund policy and applicable consumer protection laws.

6. Intellectual Property

All content, features, and functionality of the Service are owned by Keel Wealth and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

7. Disclaimer of Warranties

The Service is provided "as is" without warranties of any kind, either express or implied. We do not guarantee that the Service will be uninterrupted, error-free, or completely secure. Keel Wealth is not a financial advisor, and any information provided through the Service should not be considered financial advice.

8. Limitation of Liability

To the maximum extent permitted by law, Keel Wealth shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service. Our total liability shall not exceed the amount you have paid to us in the twelve months preceding the claim.

9. Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms or for any other reason at our discretion. Upon termination, your right to use the Service will cease immediately, and we may delete your account data in accordance with our data retention policies.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Canada, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be resolved in the courts of Ontario, Canada.

11. Contact Us

If you have questions about these Terms of Service, please contact us: