Terms of Service

Effective Date: Oct 1, 2025

Welcome to Ownquity ("we," "our," or "us"). By accessing or using our website and services (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with these Terms, please do not use the Site.

1. Use of the Site

You must be at least 18 years old or have the permission of a parent or guardian to use this Site.
You agree to use the Site only for lawful purposes and in accordance with these Terms.

2. Informational Purpose Only

All tools, calculations, and information provided on the Site are for general informational and estimation purposes only.
The calculations provided are approximations and may not reflect actual financial, legal, or professional outcomes.
We do not guarantee the accuracy, completeness, or reliability of any content or results generated by the Site.

3. No Professional Advice

The Site does not provide financial, legal, tax, or professional advice.
You should not rely on the Site as a substitute for professional advice.
Before making any financial or legal decisions, please consult with a qualified professional.

4. Limitation of Liability

To the fullest extent permitted by law, Ownquity is not responsible or liable for any loss, damages, or expenses (including but not limited to direct, indirect, incidental, or consequential damages) arising out of or in connection with:

Your use of, or inability to use, the Site
Any reliance on information, calculations, or results provided by the Site
Errors, inaccuracies, or omissions in the content

5. Third-Party Links

The Site may contain links to third-party websites or services.
We do not control, endorse, or assume any responsibility for the content, policies, or practices of these third parties.

6. Intellectual Property

All content, trademarks, graphics, and software on the Site are the property of Ownquity or its licensors.
You may not copy, distribute, or use our content without prior written permission.

7. Changes to Terms

We reserve the right to update or modify these Terms at any time.
Continued use of the Site after changes are posted constitutes acceptance of the new Terms.

8. Governing Law

These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein.
Any disputes shall be resolved exclusively in the courts of Ontario.

9. Contact Us

If you have any questions about these Terms, please contact us at: support@ownquity.com