Terms of Service
Last updated: July 9, 2026
Agreement to Terms
These Terms of Service govern your use of FlowBudget (FlowBudget Strategies Limited) and its services. By accessing and using our website, you agree to be bound by these terms. If you do not agree to comply with these terms, please do not use our services. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any changes.
Scope of Services
We provide educational resources, tools, and guidance for freelancers, contractors, and self-employed professionals managing irregular revenue and variable cash flow. Our platform offers budgeting strategies, financial planning resources, and practical advice tailored to the Edmonton contracting community and beyond. We deliver content, calculators, templates, and planning frameworks designed to help users understand and optimize their financial management during periods of inconsistent income. Our services are informational and educational in nature and do not constitute professional financial, legal, or tax advice.
User Obligations
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. 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, and you agree to accept responsibility for all activities that occur under your account. We will not be liable for any loss or damage arising from your failure to maintain information security.
Intellectual Property Rights
All content on our website, including text, graphics, logos, images, audio clips, and software, is the property of FlowBudget Strategies Limited or our content suppliers and is protected by international copyright laws. We grant you a limited, non-exclusive, non-transferable license to access and use our content for personal, non-commercial purposes only. You may not reproduce, modify, distribute, transmit, display, perform, publish, or sell any content without our prior written permission. Unauthorized use of our intellectual property may result in legal action.
Limitations of Liability
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services, even if we have been advised of the possibility of such damages. Our total liability to you for any claim arising from these terms shall not exceed the amount you paid to us, if any. We provide our services on an "as-is" basis without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, error-free, or free from viruses or harmful components.
Termination of Access
We reserve the right to terminate or suspend your access to our services at any time, without notice, for conduct that we believe violates these terms or is harmful to us, our users, or third parties. Upon termination, your right to use our services immediately ceases. You remain obligated to pay any outstanding fees or charges incurred prior to termination. Termination will not affect the rights and obligations that survive termination, including intellectual property provisions, liability limitations, and dispute resolution terms.
Governing Law
These Terms of Service are governed by and construed in accordance with the laws of Canada and the Province of Alberta, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Edmonton, Alberta for the resolution of any disputes. If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. We may assign our rights and obligations under these terms to any third party at our discretion.