Terms of Service

Last updated: March 2, 2026

These Terms of Service govern your use of Vault Savings and its services. By accessing and using our website, you agree to be bound by these terms and all applicable laws and regulations. If you do not agree with any part of these terms, you are prohibited from using or accessing our site. We reserve the right to modify these terms at any time, and continued use of our services following any changes constitutes your acceptance of the new terms.

Acceptance of Terms

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. We provide educational resources and information about RRSP strategies, TFSA contributions, registered savings accounts, and tax-advantaged account selection for Canadian residents. Your access to and use of our platform constitutes your legal agreement to comply with all terms herein. If you are using our services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these terms. We may refuse service to anyone for any reason at any time.

User Obligations and Conduct

You agree to use our services only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment of the website. Prohibited behavior includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content, disrupting the normal flow of dialogue within our website, and attempting to gain unauthorized access to our systems. You are solely responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account. We reserve the right to terminate access to users who violate these obligations or engage in any conduct that we deem inappropriate or harmful to our services and community.

Intellectual Property Rights

All content provided on our website, including text, graphics, logos, images, and educational materials related to RRSP and TFSA strategies, is the property of Vault Savings or its content suppliers and is protected by international copyright laws. You are granted a limited license to access and view this content for personal, non-commercial use only. Reproduction, modification, distribution, or transmission of any content without our prior written permission is strictly prohibited. Any unauthorized use of our intellectual property may result in legal action. You retain all rights to any user-generated content you submit, but grant us a perpetual, worldwide, non-exclusive license to use, reproduce, and display such content on our platform.

Limitation of Liability

Our services are provided on an “as-is” and “as-available” basis. We make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, or reliability of the information provided. To the fullest extent permitted by law, we disclaim all warranties, including merchantability, fitness for a particular purpose, and non-infringement. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our services, including loss of profits, data, or goodwill. Some jurisdictions do not allow the exclusion of implied warranties, so the above disclaimer may not apply to you. In no event shall our total liability exceed the amount you paid for our services.

Termination of Service

We reserve the right to terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms of Service. Upon termination, your right to use our services will immediately cease. All provisions of these terms which by their nature should survive termination shall survive, including intellectual property rights, disclaimers of warranties, and limitations of liability. We may also discontinue our services at any time, with or without notice. Termination does not relieve you of any obligations or liabilities accrued prior to the date of termination. Your use of our services after termination is prohibited.