Terms of Service
Last Updated: 2024
Acceptance of Terms
By accessing and using the website operated by Linen Ledger, located in Quebec City, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. These terms constitute a legally binding agreement between you and Linen Ledger.
If you do not agree with any part of these terms, you must immediately cease all use of our website and services. Your continued use of the site signifies your ongoing acceptance of these terms and any future modifications.
Description of Services
Linen Ledger provides educational content, tools, and information regarding Registered Education Savings Plans (RESP) in Canada. Our services include:
- Guides on RESP Education Savings and government grants.
- Comparisons between Individual and Family RESP Accounts.
- Information on Investment Portfolios suited for education savings.
- Resources concerning Educational Assistance Payments (EAP).
Note: Linen Ledger is not a financial institution. We provide information to help you navigate the RESP landscape, but we do not hold funds or manage private investments directly.
User Conduct and Prohibitions
Users of Linen Ledger are expected to use the platform responsibly. You are strictly prohibited from:
- Using the website for any illegal purpose or in violation of local, provincial, or international laws.
- Attempting to interfere with the proper working of the site, including through the use of viruses, bots, or unauthorized access to our servers.
- Scraping or extracting data from the site for commercial purposes without prior written consent.
- Impersonating any person or entity, or misrepresenting your affiliation with Linen Ledger.
Intellectual Property Rights
All content on this website, including text, graphics, logos, icons, images, and software, is the property of Linen Ledger or its content suppliers and is protected by Canadian and international copyright laws.
You are granted a limited, non-exclusive license to access and use the site for personal, non-commercial purposes. Any reproduction, modification, distribution, or republication of the content without express permission is strictly prohibited.
Disclaimer of Warranties
The services are provided "as is" and "as available".
Linen Ledger makes no representations or warranties of any kind, express or implied, as to the operation of the site or the information, content, or materials included. We do not warrant that the site will be uninterrupted or error-free. Information regarding RESP grants and tax implications is subject to change by the Canada Revenue Agency (CRA) and Revenu Québec.
Limitation of Liability
To the maximum extent permitted by applicable law in the Province of Quebec, Linen Ledger shall not be liable for any damages of any kind arising from the use of this site, including but not limited to direct, indirect, incidental, punitive, and consequential damages.
This includes loss of data, loss of profits, or business interruption, even if Linen Ledger has been advised of the possibility of such damages.
Governing Law and Jurisdiction
These Terms of Service and your use of the website are governed by and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to conflict of law principles.
Specifically, we adhere to the Act respecting the protection of personal information in the private sector (Quebec) and the Personal Information Protection and Electronic Documents Act (PIPEDA). Any dispute arising from these terms shall be resolved exclusively in the courts of the judicial district of Quebec City.
Changes to Terms
Linen Ledger reserves the right to modify these Terms of Service at any time. We will notify users of any significant changes by posting a notice on our homepage or via email. Your continued use of the site after such changes constitutes your acceptance of the new terms.
Contact Information
Linen Ledger
For any questions regarding these Terms, please contact us at:
- Address: 1015 Boulevard René-Lévesque Ouest, Quebec City
- Email:
- Phone: +1 (514) 146-8850