Terms of Service

1. Acceptance of Terms

Welcome to Morning Thatch. By accessing or using our website, which provides resources on planning for the birth of a child in Calgary, Alberta, you agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and Morning Thatch.

If you do not agree to these Terms, you must immediately cease all use of our website and services. Your continued use of the site signifies your irrevocable acceptance of these conditions and any future modifications.

2. Description of Services

Morning Thatch provides educational content, financial planning tools, and guides specifically tailored to expectant parents in Calgary, Canada. Our services include:

• Information on the Canada Child Benefit (CCB) and provincial subsidies.
• Cost analysis for baby essentials within the Alberta market.
• Educational resources regarding Registered Education Savings Plans (RESP).
• General budgeting templates and life insurance planning overviews.

All information provided is for educational and illustrative purposes only and does not constitute financial, medical, or legal advice.

3. Use of Site and Prohibitions

You are granted a limited, non-exclusive, non-transferable license to access our content for personal, non-commercial use. You agree not to:

• Reproduce, duplicate, copy, sell, or exploit any portion of the service without express written permission from Morning Thatch.
• Use the site for any unlawful purpose or to solicit others to perform unlawful acts.
• Upload or transmit viruses or any other type of malicious code.
• Interfere with the security features of the website.
• Use automated systems (bots, spiders) to scrape data from our budgeting tools or guides.

4. Intellectual Property Rights

All content on this website, including but not limited to text, graphics, logos, tool designs, spreadsheets, and software, is the property of Morning Thatch or its content suppliers and is protected by Canadian and international copyright, trademark, and intellectual property laws.

"Morning Thatch" and our associated branding are trademarks of the company. Unauthorized use of these marks is strictly prohibited.

5. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. Morning Thatch makes no representations or warranties of any kind, express or implied, as to the operation of the site or the accuracy of the information, content, or materials included.

Specifically, we do not warrant that:

• The financial calculations provided will be 100% accurate for your specific situation.
• Government benefit rates (like CCB) will remain unchanged.
• The website will be uninterrupted, timely, secure, or error-free.

6. Limitation of Liability

To the maximum extent permitted by the laws of Alberta, Morning Thatch, its directors, employees, or affiliates shall not be liable for any direct, indirect, incidental, punitive, or consequential damages arising from your use of the site.

This includes, but is not limited to, financial losses incurred based on budgeting advice, errors in data, or the inability to access certain provincial benefits. You acknowledge that you use this information at your own risk.

7. Governing Law and Jurisdiction

These Terms and your use of the website are governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein.

Any dispute arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts located in Calgary, Alberta. You hereby waive any objection to the venue of such courts.

8. Changes to Terms

We reserve the right to update, change, or replace any part of these Terms of Service by posting updates to our website. It is your responsibility to check this page periodically for changes. Your continued use of the website following the posting of any changes constitutes acceptance of those changes.

9. Contact Information

Questions about the Terms of Service should be sent to us at our official contact points. Morning Thatch is committed to transparency and helping families in Calgary plan for their future.