Last updated: November 26, 2025
By accessing and using the Décoder les Finances website (https://www.decoderlesfinances.com/ and https://decoderlesfinances.ca/, the "Website") and its features, functionalities, and services (collectively, the "Service"), you accept and agree to be bound by these terms and conditions (the "Terms"). If you do not agree to comply with the foregoing, please do not use the Service or any of its components.
These Terms constitute a legally binding agreement between you and Décoder les Finances ("we", "our", "us", or "Décoder les Finances") regarding your access to and use of the Website.
Age Restriction: You must have reached the age of majority in your province or territory of residence to use this Service. By using the Service, you represent and warrant that you have reached the age of majority in your province or territory of residence and that you have the legal capacity to enter into this agreement.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Website for personal and non-commercial purposes only. This license is conditional upon your compliance with all the terms and conditions set forth in these Terms.
You may not:
All content on the Website, including but not limited to text, graphics, logos, images, audio clips, video clips, digital downloads, data compilations, software, and trademarks, is the property of Décoder les Finances or its content suppliers and licensors and is protected by Canadian and international copyright, trademark, and other intellectual property laws and treaties.
Ownership: We own or license all intellectual property rights in our Website and the content published on it. These works are protected by national copyright laws and international treaties worldwide. All such rights are reserved.
Limited Use: You may view, download, and print pages from the Website for your personal use only, provided that:
When accessing and using our Website, you agree to comply with all applicable laws and regulations and not to engage in any prohibited activities.
Prohibited activities include, but are not limited to:
Consequences: Violation of these terms may result in immediate termination of your right to access the Website or your account with the Service, and we reserve the right to take appropriate legal action at our sole discretion.
Disclaimer of Warranties: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS, AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE WEBSITE ARE PROVIDED "AS IS" AND "AS AVAILABLE". DÉCODER LES FINANCES MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE OPERATION OF THE WEBSITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS, OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU ON THE WEBSITE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE WEBSITE, INFORMATION, CONTENT, MATERIALS, PRODUCTS, OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU ON THE WEBSITE OR IN ELECTRONIC COMMUNICATIONS SENT TO YOU ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
Limitation of Liability: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, DÉCODER LES FINANCES, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES) ARISING FROM: (A) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT POSTED ON THE WEBSITE; (B) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS AND/OR ANY PERSONAL INFORMATION STORED THEREIN; (C) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE WEBSITE; (D) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH OUR WEBSITE BY ANY THIRD PARTY; (E) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE RESULTING FROM YOUR USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE WEBSITE; AND/OR (F) USER CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.
Our privacy policy https://decoderlesfinances.com/privacy-policy explains how we collect, use, and protect your information when you use our Website. It is incorporated into these Terms by reference.
Right to Modify: We reserve the right to modify, suspend, or discontinue, temporarily or permanently, access to the Website (or any part thereof) with or without notice at any time. You agree that we shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Website.
Maintenance and Updates: We may perform maintenance, upgrades, or improvements to the Website that may result in temporary interruptions. We will make reasonable efforts to minimize these interruptions, but we do not guarantee uninterrupted access to the Website.
These Terms and your use of the Website are governed by and construed in accordance with the laws of the Province of Quebec, without regard to its conflict of law provisions.
Jurisdiction: Any legal action or proceeding arising out of these Terms shall be brought exclusively in the competent courts located in the judicial district of Montreal (Province of Quebec), and the parties hereby consent to the personal jurisdiction and venue of such courts.
Dispute Resolution: Before initiating formal legal action, you agree to contact us first at infos@decoderlesfinances.ca to seek an informal resolution of any dispute. We will attempt to resolve the dispute informally by contacting you via email. If a dispute is not resolved within sixty (60) days of submission, you or Décoder les Finances may initiate formal proceedings.
Entire Agreement: These Terms constitute the entire agreement between you and Décoder les Finances regarding the use of the Website. Other components of the service and other services offered by Décoder les Finances may be governed by separate agreements or terms and conditions.
Severability: If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Waiver: No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision.
Assignment: You may not assign your rights under these Terms without our prior written consent. We may assign our rights under these Terms without restriction.
Updates to These Terms: We reserve the right to update or modify these Terms at any time. We will notify you of any material changes by posting the new Terms on this page and updating the "last updated" date at the top of these Terms. We will also notify you via the Website or by email, at our discretion. Your continued access to and use of the Website after the revised Terms are posted signifies that you accept and approve of the changes. You are required to regularly review this page to be aware of any changes.
If you have any questions regarding these Terms, please contact us at the following address:
Décoder les Finances inc.
184, rue Saint-Roch
Saint-Constant (Quebec) J5A 0J1
Phone: 438-606-5065
Email:
kadiatou.traore@decoderlesfinances.ca
infos@decoderlesfinances.ca