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Terms of Service

Last Updated: November 2025

Agreement to Terms

By accessing and using the Sylva website, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, you should not access or use this website.

Description of Service

Sylva is an educational informational portal providing content about personal expense tracking, budgeting habits, and financial organization in everyday life. Our service is strictly educational and informational in nature.

Educational Content Only

Important Notice: Sylva provides educational information only. We do not:

  • Provide financial advice or recommendations
  • Offer investment guidance or suggestions
  • Provide personalized financial consulting services
  • Make guarantees or promises about financial outcomes
  • Act as financial advisors or licensed professionals

All content is for general educational purposes and should not be construed as professional financial advice. For personalized financial guidance, consult a licensed financial professional.

User Responsibilities

As a user of this website, you agree to:

  • Use the website for lawful purposes only
  • Not misrepresent your relationship with Sylva
  • Not attempt to gain unauthorized access to any part of the website
  • Not transmit viruses, malware, or other harmful code
  • Understand that content is educational and not financial advice

Intellectual Property

All content on this website, including text, graphics, logos, and articles, is the property of Sylva and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without explicit permission.

You may view and print content for personal, non-commercial use only.

Disclaimer of Warranties

The Sylva website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to:

  • Warranties of merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Accuracy, completeness, or reliability of content

We do not warrant that the website will be uninterrupted, secure, or error-free.

Limitation of Liability

To the fullest extent permitted by law, Sylva 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 use or inability to use the website
  • Any content obtained from the website
  • Unauthorized access to or alteration of your transmissions or data
  • Any decisions made based on educational content

External Links

Our website may contain links to third-party websites. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content or practices of any third-party sites. Your use of third-party websites is at your own risk.

Modifications to Service

We reserve the right to modify, suspend, or discontinue any part of our website at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the service.

Changes to Terms

We may revise these Terms of Service at any time. The revised terms will be effective immediately upon posting. Your continued use of the website after changes constitutes acceptance of the modified terms.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Quebec, Canada, without regard to its conflict of law provisions.

Severability

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms of Service, together with our Privacy Policy and other legal notices published on this website, constitute the entire agreement between you and Sylva concerning your use of the website.

Contact Information

If you have questions about these Terms of Service, please contact us:

Sylva
890 Rue Saint-Jacques
Montréal, QC H3C 1G7
Canada
Email: hello@sylva.com
Phone: +1 514 683 9274

Sylva

Educational resource for understanding personal expense tracking and budgeting habits.

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Sylva

890 Rue Saint-Jacques, Montréal, QC H3C 1G7, Canada

Phone: +1 514 683 9274

Email: hello@sylva.com

© 2025 Sylva. All rights reserved. Educational content only. Not financial advice.