1. Acceptance of Terms

By accessing and using the website operated by Harvest Grove Living, 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 Harvest Grove Living regarding your use of our digital platform and educational resources.

If you do not agree with any part of these terms, you must immediately cease all use of this website. Your continued use following any changes constitutes acceptance of the revised terms.

2. Description of Services

Harvest Grove Living provides educational content, guides, and tools specifically focused on the Registered Education Savings Plan (RESP) framework in Canada, with particular emphasis on residents of Ottawa. Our services include:

• Information on Canada Education Savings Grants (CESG) and Canada Learning Bonds (CLB).
• Comparison tools for Individual vs. Family RESP plans.
• Guidance on contribution limits and withdrawal processes (EAP vs. PSE).
• Resource libraries linking to official CRA and financial institution documentation.

3. User Obligations and Restrictions

You agree to use this site only for lawful purposes. You are strictly prohibited from:

• Using the site in any way that violates federal, provincial, or local laws of Ontario and Canada.
• Attempting to interfere with the proper working of the site, including through the use of "bots," viruses, or malicious code.
• Reproducing, duplicating, or selling any portion of our educational content without express written permission.
• Misrepresenting your identity or affiliation with any person or entity.

4. Intellectual Property

All content, including text, graphics, logos, and software, is the property of Harvest Grove Living or its content suppliers and is protected by Canadian and international copyright and trademark laws.

The "Harvest Grove Living" name and logo are trademarks of the company. You may download or print portions of the material from different areas of the site solely for your own non-commercial use, provided you do not change or delete any copyright or proprietary notices.

5. Disclaimer of Warranties

6. Limitation of Liability

To the maximum extent permitted by law, Harvest Grove Living and its affiliates shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or the inability to use the site or for the cost of procurement of substitute services. This includes, but is not limited to, damages for loss of profits, data, or other intangibles, even if we have been advised of the possibility of such damages.

7. Third-Party Links

Our site may contain links to third-party websites such as the Canada Revenue Agency (CRA) or banking institutions. Harvest Grove Living has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. We strongly advise you to read the terms and conditions of any third-party site you visit.

8. Governing Law and Jurisdiction

These Terms and your use of the website are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

Any dispute arising out of or related to these Terms shall be subject to the exclusive jurisdiction of the courts located in Ottawa, Ontario. You hereby waive any objection to the laying of venue in such courts.

9. Data Protection

Your privacy is important to us. Our collection and use of personal information are governed by the Personal Information Protection and Electronic Documents Act (PIPEDA) and, where applicable, our Privacy Policy. Please review our Privacy Policy and Cookie Policy for more information.