Terms & Conditions

1. Acceptance of Terms

By accessing and using the ISilverCents website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Service Description

ISilverCents provides free financial education services specifically designed for Canadian seniors aged 60 and above. Our services include online courses, educational materials, phone support, and consultation services related to pension management, banking security, and fraud prevention.

3. User Eligibility

Our services are intended for:

• Canadian residents aged 60 and above
• Adult children of Canadian seniors seeking educational resources
• Legal guardians or caregivers of eligible seniors
• Financial advisors working with senior clients (with appropriate authorization)

4. User Responsibilities

Users agree to:

• Provide accurate and truthful information when registering or requesting services
• Use the service for lawful purposes only
• Not share login credentials or access codes with unauthorized individuals
• Report any suspected security breaches immediately
• Respect the intellectual property rights of ISilverCents and third parties

5. Educational Nature of Services

ISilverCents provides educational information only. Our services are not intended to provide:

• Professional financial advice or recommendations
• Investment advice or portfolio management services
• Legal advice regarding financial matters
• Tax preparation or tax advice services
• Insurance advice or sales

Users should consult with qualified professionals for specific financial, legal, or tax advice.

6. Limitation of Liability

ISilverCents shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use our services, including but not limited to financial losses, security breaches, or decisions made based on information provided through our educational materials.

7. Privacy and Data Protection

The collection, use, and protection of personal information is governed by our Privacy Policy, which forms an integral part of these Terms & Conditions. By using our services, you consent to the collection and use of information in accordance with our Privacy Policy.

8. Intellectual Property Rights

All content on the ISilverCents website, including text, graphics, logos, images, audio clips, and software, is the property of ISilverCents or its content suppliers and is protected by Canadian and international copyright laws.

9. Service Availability

While we strive to provide continuous service availability, ISilverCents does not guarantee uninterrupted access to our website or services. We reserve the right to suspend or discontinue services for maintenance, updates, or other operational reasons.

10. Modifications to Terms

ISilverCents reserves the right to modify these Terms & Conditions at any time. Users will be notified of significant changes via email or website notice. Continued use of our services after such modifications constitutes acceptance of the updated terms.

11. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of New Brunswick, Canada. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of New Brunswick.

12. Contact Information

For questions regarding these Terms & Conditions, please contact us:

13. Severability

If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.

14. Entire Agreement

These Terms & Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and ISilverCents regarding the use of our services.