Terms of Service
Legal framework for Brick and Basket users in Ottawa and across Canada.
Last Updated
October 2023
1. Acceptance of Terms
Welcome to Brick and Basket. By accessing or using our website, which provides educational content regarding tax-free income, RRSPs, FHSAs, and tax optimization in Canada, you agree to be bound by these Terms of Service. These terms constitute a legally binding agreement between you and Brick and Basket.
If you do not agree with any part of these terms, you must immediately cease all use of our services. Your continued use of the site signifies your irrevocable acceptance of these terms and any subsequent modifications.
2. Description of Services
Brick and Basket provides an information platform focused on Canadian tax literacy, specifically targeting residents of Ottawa and Ontario. Our services include:
- Educational articles on Registered Retirement Savings Plans (RRSP).
- Guides on First Home Savings Accounts (FHSA).
- Analysis of Capital Gains tax inclusion rates.
- Personal narratives regarding tax planning and common pitfalls.
IMPORTANT: Brick and Basket is not a licensed financial advisory firm, accounting firm, or legal practice. All content is for informational purposes only.
3. User Conduct and Prohibited Activities
Users agree to use the website only for lawful purposes. You are strictly prohibited from:
- • Using the site in any way that violates federal, provincial, or local laws of Canada.
- • Attempting to interfere with the proper working of the site or bypassing security measures.
- • Scraping, crawling, or using automated systems to extract data without written consent.
- • Impersonating any person or entity, including Brick and Basket representatives.
4. Intellectual Property Rights
All content, including but not limited to text, graphics, logos, icons, and software, is the property of Brick and Basket and is protected by Canadian and international copyright, trademark, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to access the content for personal, non-commercial use. Any reproduction, distribution, or modification of the content without express written permission is strictly prohibited.
5. Disclaimer of Warranties
The information provided on Brick and Basket is "as is" and "as available." While we strive for accuracy, tax laws in Canada (specifically those governed by the Canada Revenue Agency - CRA) are subject to frequent changes.
Brick and Basket makes no warranties, expressed or implied, regarding the completeness, reliability, or accuracy of the information. Any reliance you place on such information is strictly at your own risk.
6. Limitation of Liability
To the maximum extent permitted by applicable law in the Province of Ontario, Brick and Basket, its directors, employees, or affiliates shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from:
- Financial losses due to tax filing errors or investment decisions.
- Inability to access the website or technical failures.
- Unauthorized access to your data or transmissions.
7. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein.
Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts located in Ottawa, Ontario, Canada.
8. Changes to Terms
We reserve the right to modify these terms at any time. We will notify users of any changes by posting the new Terms of Service on this page. Your continued use of the site after such changes constitutes your acceptance of the new terms.
9. Links to Third-Party Sites
Our website may contain links to external sites (e.g., CRA official portal). Brick and Basket does not control and is not responsible for the content or privacy practices of these third-party websites.
Contact Information
If you have any questions regarding these Terms of Service, please contact Brick and Basket at: