Terms of Service

Welcome to Little Yard Notes. These Terms of Service ("Terms") govern your access to and use of our website and services related to Canadian retirement planning and pension system analysis. By accessing or using our platform, you agree to be bound by these Terms and our Privacy Policy.

These Terms constitute a legally binding agreement between you and Little Yard Notes, headquartered in Calgary, Alberta. If you do not agree to these terms, you must cease all use of the website immediately. Your continued use of the site signifies your irrevocable acceptance of these provisions.

Little Yard Notes provides educational content, data-driven guides, and analytical tools regarding:

• The Canada Pension Plan (CPP) and Old Age Security (OAS).
• Registered Retirement Savings Plan (RRSP) and Tax-Free Savings Account (TFSA) mechanics.
• Taxation of retirement income for immigrants.
• Cost of living and budgeting specifically for the Calgary, Alberta region.

The content is provided for informational and educational purposes only. We do not provide financial, legal, or tax advisory services. All calculations and estimations provided are based on general data and may not reflect your individual circumstances.

All content on this site, including text, graphics, logos, icons, and software, is the property of Little Yard Notes and is protected by Canadian and international copyright and trademark laws. The compilation of all content on this site is the exclusive property of Little Yard Notes.

"Little Yard Notes" and related marks are trademarks of the company. Their use in connection with any product or service that is not ours, in any manner that is likely to cause confusion among customers, is strictly prohibited.

Please read this section carefully.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LITTLE YARD NOTES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES;
• ANY RELIANCE PLACED BY YOU ON THE COMPLETENESS, ACCURACY, OR EXISTENCE OF ANY ADVERTISING, OR AS A RESULT OF ANY RELATIONSHIP OR TRANSACTION BETWEEN YOU AND ANY ADVERTISER OR SPONSOR;
• ANY CONTENT OBTAINED FROM THE SERVICES.

The information regarding the Canada Pension Plan (CPP) and Old Age Security (OAS) is subject to change based on federal legislative updates. We do not guarantee the timeliness of the data provided.

These Terms and any action related thereto will be governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to or application of its conflict of law provisions or your province or country of residence.

All claims, legal proceedings, or litigation arising in connection with the services will be brought solely in the courts located in Calgary, Alberta, Canada, and you consent to the jurisdiction of and venue in such courts and waive any objection as to inconvenient forum.