Terms and Conditions


Terms and Conditions

Last Updated: March 11, 2025

Welcome to Alavhe.com. These Terms and Conditions (“Terms”) govern your use of our website, including all content, features, and services provided through Alavhe.com (collectively, the “Service”). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

1. Acceptance of Terms

By using Alavhe.com, you confirm that you are at least 19 years of age (the age of majority in most Canadian provinces) and have the legal capacity to enter into this agreement. These Terms constitute a binding contract between you and Alavhe.com.

2. Description of Service

Alavhe.com provides educational content related to personal finance in Canada, with a focus on improving credit, managing credit cards, and enhancing financial literacy. We also capture leads for marketing purposes and display advertisements through Google AdSense. The Service is provided “as is” and is intended for informational purposes only, not as professional financial advice.

3. User Responsibilities

As a user, you agree to:

  • Use the Service for lawful purposes only.
  • Provide accurate and complete information when submitting lead capture forms or interacting with the Service.
  • Not misuse the Service by attempting to access restricted areas, introduce malicious code, or interfere with its functionality.
  • Comply with all applicable Canadian laws and regulations while using the Service.

4. Intellectual Property

All content on Alavhe.com, including text, images, logos, and design elements (collectively, “Content”), is owned by Alavhe.com or its licensors and protected by Canadian copyright, trademark, and other intellectual property laws. You may:

  • Use the Content for personal, non-commercial purposes.
  • Not copy, reproduce, distribute, or create derivative works from the Content without prior written permission from Alavhe.com.

5. User-Submitted Information

When you submit information (e.g., through lead capture forms), you grant Alavhe.com a non-exclusive, royalty-free, worldwide license to use, store, and process that information for the purposes outlined in our Privacy Policy. You are responsible for ensuring the accuracy and legality of any information you provide.

6. Third-Party Links and Advertisements

Alavhe.com may contain links to third-party websites or display ads via Google AdSense. We are not responsible for the content, accuracy, or practices of these third parties. Clicking on links or interacting with ads is at your own risk, and you should review the applicable terms and privacy policies of those third parties.

7. Disclaimer of Warranties

The Service is provided “as is” and “as available” without warranties of any kind, express or implied, including but not limited to:

  • Accuracy, completeness, or timeliness of the Content.
  • Availability of the Service without interruptions or errors.
  • Fitness for a particular purpose or merchantability.

Alavhe.com does not guarantee that the Service will meet your expectations or that any financial outcomes will result from its use.

8. Limitation of Liability

To the fullest extent permitted by Canadian law, Alavhe.com, its affiliates, and their respective officers, directors, employees, or agents will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

  • Your use of or inability to use the Service.
  • Reliance on the Content or advertisements.
  • Unauthorized access to or loss of your data.

Our total liability, if any, will not exceed CAD $100.

9. Indemnification

You agree to indemnify and hold harmless Alavhe.com and its affiliates from any claims, damages, losses, or expenses (including legal fees) arising from:

  • Your violation of these Terms.
  • Your use of the Service.
  • Any information you submit through the Service.

10. Modifications to the Service

Alavhe.com reserves the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. We are not liable for any changes or interruptions to the Service.

11. Changes to These Terms

We may update these Terms to reflect changes in our practices or legal requirements. Updates will be posted here with a revised “Last Updated” date. Your continued use of the Service after changes constitutes acceptance of the revised Terms. Check this page periodically for updates.

12. Termination

We may terminate or suspend your access to the Service at our sole discretion, without notice, for reasons including:

  • Violation of these Terms.
  • Fraudulent or illegal activity.
  • Protection of our rights or other users.

Upon termination, your right to use the Service ceases immediately.

13. Governing Law and Jurisdiction

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising from these Terms will be resolved in the courts of Ontario, and you consent to the exclusive jurisdiction of those courts.

14. Severability

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

15. Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and Alavhe.com regarding the use of the Service, superseding any prior agreements.

16. Contact Us

If you have questions or concerns about these Terms, please contact us at:

Email: [email protected]

Thank you for using Alavhe.com. We’re here to help you navigate your financial journey responsibly.

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