Terms of Service

1. Acceptance of Terms

By accessing and using the Trek Journey website (trek-journey.com) and our services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our website and services.

2. Description of Services

Trek Journey provides information, guidance, and consulting services related to Canadian pension plans, including:

• Canada Pension Plan (CPP) optimization strategies
• Old Age Security (OAS) benefit information
• Retirement planning consultations
• Educational resources and tools
• Newsletter and informational content

Our services are intended for informational and educational purposes. We are not a government agency and do not administer CPP or OAS benefits.

3. Professional Disclaimer

Important Notice: The information provided by Trek Journey is for educational purposes only and should not be considered as:

• Legal advice
• Tax advice
• Investment advice
• Personalized financial advice without proper consultation

You should consult with qualified professionals (lawyers, accountants, financial advisors) for advice specific to your situation.

4. Accuracy of Information

While we strive to provide accurate and up-to-date information about Canadian pension plans, we cannot guarantee the completeness, accuracy, or timeliness of all content. Pension rules and regulations may change, and you should verify information with official government sources.

Official sources include:

• Government of Canada websites
• Service Canada
• Canada Revenue Agency

5. User Responsibilities

When using our website and services, you agree to:

• Provide accurate and complete information
• Use the services for lawful purposes only
• Respect intellectual property rights
• Not attempt to harm or disrupt our systems
• Comply with all applicable laws and regulations
• Maintain the confidentiality of any login credentials

6. Prohibited Uses

You may not use our website or services for:

• Any unlawful purpose or activity
• Transmitting viruses or malicious code
• Attempting to gain unauthorized access to our systems
• Impersonating others or providing false information
• Harassment or abuse of other users or our staff
• Commercial use without written permission

7. Intellectual Property

All content on the Trek Journey website, including text, graphics, logos, images, and software, is the property of Trek Journey or its licensors and is protected by Canadian and international copyright laws.

You may not reproduce, distribute, modify, or create derivative works without our written permission.

8. Privacy and Personal Information

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated by reference into these Terms of Service.

9. Limitation of Liability

To the fullest extent permitted by law, Trek Journey shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of our website or services
• Any errors or omissions in our content
• Any decisions made based on information provided
• Technical issues or service interruptions
• Loss of data or business opportunities

10. Indemnification

You agree to indemnify and hold harmless Trek Journey, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.

11. Service Availability

We strive to maintain continuous service but cannot guarantee uninterrupted access to our website. We may suspend or terminate services for maintenance, updates, or other reasons without notice.

12. Termination

We may terminate or suspend your access to our services at any time, with or without cause, if you violate these terms or engage in prohibited activities.

13. Governing Law

These Terms of Service are governed by the laws of Ontario, Canada, and the federal laws of Canada applicable therein. Any disputes shall be resolved in the courts of Ontario.

14. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

15. Severability

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

16. Contact Information

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