Terms of Service

Acceptance of Terms

By accessing and using TheSTSED website and Holiday Spending Toolkit, you agree to be bound by these Terms of Service.

Description of Service

TheSTSED provides free educational tools, templates, and calculators designed to help Canadians plan and organize their holiday spending. Our tools are for educational purposes only.

Use of Tools and Templates

You may:

• Download and use our templates for personal use
• Share templates with family and friends
• Modify templates to fit your needs

You may not:

• Sell or commercialize our templates
• Remove our attribution from templates
• Use our tools for illegal purposes

Educational Content Disclaimer

All content on this website is for educational purposes only and does not constitute financial advice. Always consult with qualified financial professionals for personal financial decisions.

Accuracy of Information

While we strive for accuracy, we make no warranties about the completeness, reliability, or accuracy of our calculators or templates. Use at your own discretion.

Limitation of Liability

TheSTSED is not liable for any financial decisions made using our tools or any damages resulting from the use of our website or templates.

Modifications

We reserve the right to modify these terms at any time. Continued use of our website constitutes acceptance of updated terms.

Contact Information

For questions about these terms, contact us through our website contact form.