Terms of Use

1. Acceptance of Terms

By accessing or using Fincote, you agree to be legally bound by these Terms and any other applicable laws. If you are using the Website on behalf of an entity, you represent and warrant that you have the authority to bind that entity to these Terms.

2. Changes to Terms

Fincote reserves the right to update or modify these Terms at any time without prior notice. Your continued use of the Website following any changes signifies your acceptance of the revised Terms. Please check this page periodically for updates.

3. Use of Financial Calculators

Our financial calculators and tools are provided for educational and informational purposes only. The results generated by our calculators are estimates and should not be considered as financial advice. We recommend consulting with qualified financial professionals for specific financial decisions.

4. User Responsibilities

You agree to use our Website responsibly and for lawful purposes only. When using our financial tools, you are responsible for providing accurate information and verifying the results according to your specific circumstances.

5. Prohibited Uses

You agree not to use the Website for any unlawful or prohibited purposes, including but not limited to:

• Violating any applicable local, state, national, or international laws
• Infringing upon our intellectual property rights or the rights of others
• Distributing harmful software or attempting to interfere with Website operations
• Using automated systems to access the Website in a manner that sends more requests than a human could reasonably produce

6. Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, images, and software, is the property of Fincote or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or exploit any content from the Website without our express written permission.

7. Third-Party Links

The Website may contain links to third-party websites or services that are not owned or controlled by Fincote. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. You acknowledge and agree that Fincote shall not be responsible or liable for any damage or loss caused by or in connection with the use of any such third-party content, goods, or services.

8. Disclaimers

The Website and all financial calculators are provided on an "as-is" and "as-available" basis without warranties of any kind, either express or implied. Fincote does not warrant that the Website will be uninterrupted, error-free, or free from viruses or other harmful components. Your use of the Website and reliance on any calculator results is at your own risk.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Fincote and its affiliates, officers, employees, or agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, or use, arising from your access to or use of the Website or reliance on any calculator results.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of Canada/Quebec. Any disputes arising out of or related to these Terms shall be resolved in the courts of Canada/Quebec.