Terms of Service

Acceptance of Terms

By accessing and using Erfoome (erfoome.club), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or download our resources.

Description of Service

Erfoome provides educational resources, guides, templates, and calculators to help Canadian students understand basic money management concepts. Our tools are designed for informational and educational purposes only.

Use of Resources

You may use our educational materials for personal, non-commercial purposes. You agree to:

• Use resources only for legitimate educational purposes
• Not redistribute, sell, or commercialize our materials
• Not modify materials to remove attribution where present
• Not use the service for illegal activities

Educational Purpose Only

Erfoome provides educational content about money management for students. We do not provide financial, legal, or professional advice. All information and calculations are examples only and should not be considered professional recommendations.

Student-Focused Content

Our resources are designed specifically for students and may not be suitable for all financial situations. The content assumes basic student circumstances and may not address complex financial needs or situations.

Accuracy of Information

While we strive to provide accurate information, we make no warranties about the completeness, reliability, or accuracy of our content. You are responsible for verifying any information and calculations before making financial decisions.

Numbers and examples provided are for illustration only and may not reflect current costs, rates, or circumstances in your area or situation.

Limitation of Liability

Erfoome shall not be liable for any damages arising from the use of our website, guides, templates, or calculators. This includes direct, indirect, incidental, or consequential damages.

You use our resources at your own risk and are solely responsible for any decisions made based on the information provided.

Website Availability

We strive to maintain website availability but cannot guarantee uninterrupted access. We may modify, suspend, or discontinue any aspect of our service at any time without notice.

User Conduct

When using our website or contacting us, you agree to:

• Provide accurate information in contact forms
• Not interfere with website functionality
• Not attempt to gain unauthorized access to our systems
• Respect intellectual property rights

Privacy

Your use of our website is also governed by our Privacy Policy. Please review our privacy practices to understand how we collect and use information.

Changes to Terms

We may update these Terms of Service from time to time. Changes will be posted on this page with an updated "Last updated" date. Continued use of our service after changes constitutes acceptance of new terms.

Governing Law

These terms are governed by Canadian law. Any disputes will be resolved in the jurisdiction where Erfoome operates.

Contact Information

For questions about these Terms of Service, contact us through our website contact form or email us at [email protected].