Terms of Use for Peasant Finance

By accessing the Website, utilizing our financial calculators (including but not limited to the Debt Command Center, Mortgage & Equity Projection Lab, and RDSP calculators), or consuming our content, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

All content provided on Peasant Finance, including articles, blog posts, checklists, and interactive tools, is for general informational and educational purposes only.

• No Financial Advice: The content does not constitute personalized financial, investment, real estate, tax, or legal advice.

• No Guarantee of Results: Strategies discussed, such as debt restructuring, portfolio transitions, or property acquisitions, are illustrative. Past performance or hypothetical projections do not guarantee future results. You are solely responsible for evaluating the merits and risks associated with the use of any information on this Website before making any financial decisions.

The operation of this Website and your use of its features do not create a broker-client, advisor-client, or fiduciary relationship between you and Peasant Finance, its founders, or any associated mortgage brokerages. A formal professional relationship is only established upon the execution of a written, signed agreement (such as a Mortgage Representation Agreement) with a licensed professional.

The Website provides various financial calculators and projection tools. These are self-help tools intended for illustrative purposes only.

• Accuracy Not Guaranteed: We do not guarantee the accuracy, reliability, or completeness of the calculations.

• Variables: The results generated depend on the user’s inputs and default assumptions (such as compounding frequencies or estimated appreciation rates) which may not reflect your specific financial reality or the exact terms offered by lenders.

• Not an Offer of Credit: Results from our calculators do not constitute an offer of credit, a mortgage approval, or a guarantee of specific interest rates.

The Website may contain links to third-party websites, services, or recommended partners (e.g., renovation contractors, legal services). Peasant Finance does not endorse, guarantee, or assume responsibility for the accuracy, quality, or practices of any third-party websites or services. Engaging with third-party partners is done entirely at your own risk.

All content on this Website, including text, graphics, logos, proprietary calculators, strategies (e.g., “The Peasant Finance Strategy”), and structural frameworks, is the property of Peasant Finance and is protected by Canadian and international copyright laws. You may not reproduce, distribute, or create derivative works from this content without express written permission.

To the maximum extent permitted by applicable law, Peasant Finance, its affiliates, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages—including loss of profits, data, or goodwill—arising from:

• Your use of or inability to use the Website or its calculators.

• Any financial decisions or investments made based on the information provided on the Website.

• Any errors, omissions, or inaccuracies in the content.

You agree to indemnify, defend, and hold harmless Peasant Finance and its personnel from any claims, liabilities, damages, judgments, or expenses (including legal fees) arising out of your use of the Website, your violation of these Terms, or your infringement of any intellectual property or other rights of third parties.

These Terms and your use of the Website shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any legal action or proceeding related to this Website shall be brought exclusively in the courts located in Toronto, Ontario.

Peasant Finance reserves the right to modify these Terms at any time without prior notice. Changes will be effective immediately upon posting to the Website. Your continued use of the Website signifies your acceptance of the updated Terms.

If you have any questions or concerns regarding these Terms, please contact us at:

hello@peasantfinance.ca