Terms of Service
Last Updated: 2024
1. Acceptance of Terms
By accessing and using the website operated by Oakmoss Living, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. These terms govern your use of our financial information platform focused on debt consolidation in Canada. If you do not agree to these terms, you must cease use of the site immediately.
Oakmoss Living provides educational resources and connectivity tools for residents of Toronto and the wider Ontario province. Your continued use of the site signifies your acceptance of any future modifications to these terms.
2. Description of Services
Oakmoss Living operates as an information hub providing insights into:
- Debt consolidation strategies and interest rate reduction models.
- Educational content regarding Canadian credit scores and restructuring.
- Connecting users with third-party licensed insolvency practitioners or financial advisors where applicable.
Important: Oakmoss Living is not a bank, a credit union, or a licensed lender. We do not issue loans or provide direct financial financing. We provide a platform for consolidating information and facilitating connections.
3. Eligibility and User Conduct
To use this site, you must be at least 18 years of age and a resident of Canada. You agree to use the site only for lawful purposes. Prohibited activities include:
- Submitting false or misleading financial information.
- Attempting to bypass security protocols or scrape data.
- Using the site to facilitate any form of fraud or money laundering.
- Interfering with other users' access to the service.
4. Intellectual Property Rights
All content on this website, including text, graphics, logos, ROI calculation models, and software code, is the property of Oakmoss Living or its content suppliers and is protected by Canadian and international copyright laws.
You are granted a limited, non-exclusive license to access the content for personal, non-commercial use. Any reproduction, distribution, or modification of the content without express written consent is strictly prohibited.
5. Disclaimer of Warranties
Notice to Canadian Consumers:
The services and information are provided on an "as is" and "as available" basis. Oakmoss Living makes no representations or warranties of any kind, express or implied, regarding the accuracy, reliability, or completeness of the financial information provided.
We do not guarantee that debt consolidation will result in a specific credit score improvement or a guaranteed interest rate reduction, as these outcomes depend on individual financial circumstances and third-party lender policies.
6. Limitation of Liability
To the maximum extent permitted by the laws of Ontario, Oakmoss Living, its directors, and employees shall not be liable for any direct, indirect, incidental, or consequential damages resulting from:
- The use or inability to use our website.
- Actions taken based on the financial educational content provided.
- The conduct of third-party financial institutions you may be connected with through our platform.
7. Governing Law and Jurisdiction
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 dispute arising out of or related to these terms shall be subject to the exclusive jurisdiction of the courts located in Toronto, Ontario. You hereby waive any objection to such jurisdiction or venue.
8. Privacy and Data Protection
Your use of the site is also governed by our Privacy Policy. For residents of Canada, we comply with the Personal Information Protection and Electronic Documents Act (PIPEDA). If you are accessing our site from the UK or EU, we adhere to the principles of the UK GDPR and Regulation (EU) 2016/679 (GDPR) respectively.
9. Third-Party Links
Our website contains links to external sites (e.g., credit bureaus, banking institutions). Oakmoss Living does not control these sites and is not responsible for their content or privacy practices. Inclusion of a link does not imply endorsement.
10. Modifications to Service
Oakmoss Living reserves the right to modify or discontinue, temporarily or permanently, the service (or any part thereof) with or without notice. We shall not be liable to you or to any third party for any modification, price change, or suspension of the service.
11. Contact Information
If you have any questions regarding these Terms of Service, please contact the Oakmoss Living legal department at:
- Address: 456 Oakmoss Avenue, Toronto, ON M5H 2N2
- Email: Phone: +1 (253) 932-6719