Disclaimer

Educational Content Only

Educational content only — not financial advice.

Erfoome provides educational resources, guides, templates, and calculators designed to help students understand basic money management concepts. All content is for informational and educational purposes only and should not be considered professional financial, legal, or accounting advice.

No Professional Advice

We are not licensed financial advisors, accountants, or legal professionals. The information provided through our website, guides, and calculators:

• Does not constitute professional advice of any kind
• Should not replace consultation with qualified professionals
• Is not tailored to your specific financial or academic situation
• May not be suitable for all student circumstances

Student-Specific Limitations

Our resources are designed for typical student situations and may not address:

• Complex family financial arrangements
• International student visa requirements
• Specific provincial or territorial regulations
• Individual academic program requirements
• Unique personal or family circumstances

Examples and Calculations

All numbers, amounts, and calculations provided are examples only and may not reflect:

• Current tuition costs or living expenses in your area
• Actual income you may earn from part-time work
• Appropriate budget allocations for your situation
• Tax implications or student benefit eligibility
• Scholarship or financial aid considerations

You are responsible for verifying all calculations and ensuring they meet your needs and comply with applicable laws.

No Warranty or Guarantee

We provide our resources "as is" without warranties of any kind, including:

• Accuracy or completeness of information
• Suitability for your particular student situation
• Freedom from errors or bugs in templates
• Continuous availability of resources
• Effectiveness in achieving financial goals

Your Responsibility

When using Erfoome resources, you are responsible for:

• Verifying the accuracy of all calculations and information
• Understanding your student loan terms and obligations
• Consulting qualified professionals when needed
• Making informed decisions about your finances
• Understanding your rights and responsibilities as a student
• Complying with your institution's financial policies

Limitation of Liability

To the fullest extent permitted by law, Erfoome and its operators shall not be liable for any damages, including but not limited to:

• Financial losses resulting from use of our resources
• Academic consequences of financial decisions
• Errors in calculations or templates
• Decisions made based on our content
• Technical issues with downloaded resources
• Missed opportunities or deadlines

Third-Party Content

Our website may include images or references to third-party content. We do not endorse or take responsibility for:

• Third-party websites or services
• External content accuracy or availability
• Privacy practices of image providers
• Financial institutions or services mentioned

Geographic and Institutional Limitations

While our resources are designed with Canadian students in mind, we make no guarantee that:

• Information applies to all Canadian provinces or territories
• Content complies with all institutional policies
• Examples reflect costs at your specific institution
• Templates meet all academic or administrative requirements

Changes and Updates

We may modify or discontinue our resources at any time without notice. We do not guarantee:

• Continued availability of guides or calculators
• Updates to reflect changing costs or policies
• Support for downloaded resources
• Compatibility with future software versions

Seek Professional Advice

For matters involving significant financial decisions, complex situations, or specific concerns, we strongly recommend consulting with:

• Licensed financial advisors
• Student financial aid offices
• Qualified accountants familiar with student taxation
• Academic advisors at your institution
• Legal professionals when appropriate

Contact Information

If you have questions about this disclaimer or need clarification about our resources, please contact us through our website contact form.