Terms & Conditions

📋 1. Use of the Platform
CostWise is an informational content platform designed to present structured, neutral material related to everyday expenses. By using this website, you agree to use it solely for informational reading. No part of the platform is intended to offer services, advice, or custom guidance. The platform is passive in nature and does not require any user interaction, registration, or transaction.

🧾 2. Nature of Content
All content published on CostWise is intended for general understanding only. We do not offer opinions, conclusions, or calls to action. The information provided is non-binding, not outcome-driven, and should not be interpreted as advice. Readers are responsible for how they interpret and use the material.

🔍 3. Accessibility
The website is available to all visitors without the need for an account. CostWise does not include features such as logins, user profiles, subscriptions, or gated content. Browsing is open, anonymous, and not influenced by engagement patterns. All users are expected to use the site respectfully and in line with non-commercial intent.

⚖️ 4. Intellectual Property
All articles, layout designs, and content structures on this site are the intellectual property of CostWise. Reproduction, redistribution, or reuse of content is not permitted without written authorization. This applies to full articles, excerpts, and visual formatting.

🔄 5. Content Revisions
CostWise reserves the right to update or modify content at any time without prior notice. Edits may include changes in formatting, language, or content structure to improve clarity and alignment with editorial standards. We do not issue change logs or post-update summaries.

❗ 6. Limitation of Responsibility
CostWise is not liable for how users interpret or apply the information provided. No warranties or guarantees are made regarding accuracy, completeness, or relevance. The content is provided “as-is,” with no assurances related to outcomes or performance. Users engage with the material at their own discretion.

🧭 7. Third-Party Independence
CostWise does not partner with advertisers, sponsors, or affiliates. There are no paid promotions or commercial placements within our content. If external topics are mentioned in an article, they are provided as neutral examples only. We do not validate or endorse third-party services.

📆 8. Terms Changes
These Terms & Conditions may be updated at any time. Any revisions will be published on this page. Continued use of the site indicates acceptance of the latest version of the terms.

📞 9. Contact Information
For questions about these terms, you may reach us:

📧 Email: [email protected]
📍 Address: 425 Rue Wellington, Montréal, QC H3C 1T3, Canada
📞 Phone: +1 (438) 920‑1634