Terms of Service

Last updated: January 2025

1. Scope of Services

RBR Loyal ("we," "us," or "our") provides small business financial resources, planning tools, and consultation services. Our services include but are not limited to:

  • Financial planning and budgeting tools
  • Expense tracking and management resources
  • Business analytics and reporting
  • Tax preparation assistance
  • Professional financial consultation

By using our services, you agree to these Terms of Service.

2. Acceptable Use

You agree to use our services only for lawful purposes. You must not:

  • Use our services for any illegal or unauthorized purpose
  • Violate any laws or regulations in your jurisdiction
  • Infringe on the rights of others
  • Transmit any harmful or malicious code
  • Attempt to gain unauthorized access to our systems
  • Use our services to harm, threaten, or harass others

3. Professional Advice Disclaimer

The information and tools provided by RBR Loyal are for general informational and educational purposes only. They do not constitute professional financial, legal, tax, or investment advice. You should consult with qualified professionals before making any financial decisions.

Our services are designed to support your decision-making process but should not replace professional advice tailored to your specific circumstances.

4. No Guarantees

We do not guarantee:

  • Specific financial outcomes or results
  • The accuracy or completeness of all information
  • Uninterrupted or error-free service
  • That our services will meet all your specific needs

Your business success depends on many factors beyond our control, and results may vary.

5. Limitation of Liability

To the maximum extent permitted by applicable law, RBR Loyal shall not be liable for:

  • Any indirect, incidental, special, or consequential damages
  • Loss of profits, revenue, data, or business opportunities
  • Damages arising from your use or inability to use our services
  • Any decisions made based on our tools or advice

Our total liability for any claim shall not exceed the amount you paid for our services in the 12 months preceding the claim.

6. Intellectual Property Rights

All content, tools, and materials provided by RBR Loyal are protected by intellectual property laws. This includes:

  • Software and applications
  • Templates and spreadsheets
  • Written content and documentation
  • Logos, trademarks, and branding

You may use our materials for your internal business purposes but may not redistribute, modify, or create derivative works without permission.

7. User Data and Privacy

We respect your privacy and handle your personal information according to our Privacy Policy. By using our services, you consent to the collection and processing of your data as described in our Privacy Policy.

8. Payment Terms

If you purchase our services:

  • Payment is due according to the terms specified at purchase
  • All fees are non-refundable unless otherwise stated
  • We may suspend services for non-payment
  • Price changes will be communicated with advance notice

9. Termination

Either party may terminate the service agreement:

  • With notice as specified in your service agreement
  • Immediately for breach of these terms
  • Immediately for non-payment

Upon termination, your access to our services will cease, but these terms will continue to apply to past use.

10. Security Testing

Any security testing, penetration testing, or vulnerability assessment of our systems is strictly prohibited unless you have received explicit written authorization from RBR Loyal. Unauthorized security testing may result in legal action.

11. Modifications

We reserve the right to modify these Terms of Service at any time. Changes will be posted on our website with an updated effective date. Continued use of our services after changes constitutes acceptance of the modified terms.

12. Governing Law

These Terms of Service are governed by the laws of Canada and the province where RBR Loyal is registered. Any disputes will be resolved in the courts of that jurisdiction.

13. Contact Information

If you have questions about these Terms of Service, please contact us:

Email: [email protected]
Subject Line: Terms of Service Inquiry

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.