Terms of Service

1. Acceptance of Terms

By accessing and using the website Warm Rooted, located in Montreal, Quebec, you agree to be bound by these Terms of Service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

These terms constitute a legally binding agreement between you and Warm Rooted regarding your use of our bank reliability assessment resources and financial analysis tools.

2. Description of Services

Warm Rooted provides educational content, analytical frameworks, and data interpretation services focused on the Canadian banking sector. Our primary goal is to assist users in evaluating the reliability of financial institutions before opening large deposits. Services include:

• Analysis of Tier 1 Capital Ratios and Liquidity Coverage Ratios (LCR).
• Summaries of CDIC (Canada Deposit Insurance Corporation) coverage limits.
• Interpretation of OSFI (Office of the Superintendent of Financial Institutions) regulatory guidelines.
• Reviews of Domestic Systemically Important Banks (D-SIBs) in the Canadian context.

3. Use License & Prohibitions

Permission is granted to temporarily download one copy of the materials (information or software) on Warm Rooted's website for personal, non-commercial transitory viewing only. Under this license you may not:

• Modify or copy the materials for commercial purposes.
• Use the materials for any public display (commercial or non-commercial).
• Attempt to decompile or reverse engineer any software contained on the site.
• Remove any copyright or other proprietary notations from the materials.
• Transfer the materials to another person or "mirror" the materials on any other server.

4. Disclaimer of Warranties

The materials on Warm Rooted's website are provided on an 'as is' basis. Warm Rooted makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, Warm Rooted does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site. We are not a financial institution or a licensed investment advisor.

5. Limitation of Liability

In no event shall Warm Rooted or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Warm Rooted's website, even if Warm Rooted or a Warm Rooted authorized representative has been notified orally or in writing of the possibility of such damage.

Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

6. Governing Law & Jurisdiction

These terms and conditions are governed by and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein. You irrevocably submit to the exclusive jurisdiction of the courts in the City of Montreal, Quebec, for the resolution of any disputes arising from or related to these terms or your use of the website.

Specifically, our data handling practices are designed to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and Quebec's Act respecting the protection of personal information in the private sector (Law 25).

7. Contact Information

If you have any questions about these Terms of Service, please contact us using the details below: