Terms of Service

1. Introduction and Acceptance

Welcome to Lilibita, your comprehensive platform for exploring modern investment tools designed specifically for Canadian investors. These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Lilibita ("we," "us," or "our"). By accessing, browsing, or using our website, mobile applications, or any related services, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety.

Our platform is dedicated to providing educational resources, investment insights, and tools to help Canadians make informed financial decisions, whether you're looking to invest small amounts like $250 CAD or exploring various investment strategies including ETFs, crypto investing, stock trading apps, and passive income opportunities.

2. Service Description and Scope

Lilibita provides a comprehensive suite of educational and informational services related to investment opportunities in Canada. Our services include but are not limited to:

• Educational content about low budget investments with high potential returns
• Analysis and reviews of stock trading apps available in Canada with low deposit requirements
• Information about cryptocurrency investing with small capital amounts
• Guidance on ETF investing strategies for Canadian investors
• Resources for exploring side hustles and passive income opportunities
• Comparative analysis of high yield savings versus investing options
• Educational materials about forex trading and market analysis

All information provided is for educational purposes only and should not be construed as personalized financial advice. We strongly recommend consulting with qualified financial advisors before making any investment decisions.

3. User Responsibilities and Conduct

As a user of Lilibita's services, you agree to use our platform responsibly and in accordance with all applicable laws and regulations. You are solely responsible for:

• Ensuring that all information you provide is accurate, current, and complete
• Maintaining the confidentiality of your account credentials
• Conducting your own due diligence before making any investment decisions
• Understanding the risks associated with various investment options
• Complying with all Canadian securities laws and regulations
• Not using our platform for any illegal or unauthorized purposes

You acknowledge that investing involves risk, including the potential loss of principal, and that past performance does not indicate future results. Whether you're exploring how to invest $250 or larger amounts, all investment decisions carry inherent risks.

4. Investment Disclaimers and Risk Warnings

Our platform provides educational content about various investment strategies, including information about crypto investing with $250 CAD, stock trading applications, ETF investing, and other financial instruments. However, we do not provide personalized investment advice, and all content should be considered general information only.

Market conditions, regulatory changes, and economic factors can significantly impact investment performance. Users should carefully consider their financial situation, risk tolerance, and investment objectives before making any financial decisions.

5. Intellectual Property Rights

All content, materials, and intellectual property on the Lilibita platform, including but not limited to text, graphics, logos, images, software, and educational materials, are owned by or licensed to Lilibita and are protected by Canadian and international copyright, trademark, and other intellectual property laws.

You may access and use our content for personal, non-commercial purposes only. Any reproduction, distribution, modification, or commercial use of our materials without express written permission is strictly prohibited.

6. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

We implement appropriate security measures to protect your personal information, but no method of transmission over the internet is completely secure. You acknowledge and accept the inherent risks of providing information online.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Lilibita and its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our services, including but not limited to investment losses, lost profits, or business interruption.

This limitation applies regardless of whether such damages arise from contract, tort, negligence, strict liability, or any other legal theory, and even if we have been advised of the possibility of such damages.

8. Modifications to Terms

We reserve the right to modify, update, or revise these Terms at any time without prior notice. Any changes will be effective immediately upon posting on our website. Your continued use of our services after such modifications constitutes your acceptance of the updated Terms.

We encourage you to review these Terms periodically to stay informed of any changes that may affect your rights and obligations.

9. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Canada and the province in which you reside. Any disputes arising from or relating to these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Canada.

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. These Terms constitute the entire agreement between you and Lilibita regarding your use of our services.