Terms of Service

1. Acceptance of Terms

By accessing or using the website operated by Field Leaflet, located in Winnipeg, Manitoba, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. These terms constitute a legally binding agreement between you and Field Leaflet. If you do not agree with any part of these terms, you must immediately cease all use of our website and services.

Your continued use of the site signifies your acceptance of any future modifications to these terms. We reserve the right to update or change these terms at any time without prior notice.

2. Description of Services

Field Leaflet provides educational content, data analysis, and informational guides regarding investing in United States securities from a Canadian perspective. Our services include, but are not limited to, information on:

• Tax implications for Canadian residents (NRWT, T1135 compliance).
• Account structures such as RRSP, TFSA, and FHSA in the context of US assets.
• Currency exchange strategies and brokerage fee audits.
• Estate tax thresholds for Canadian holders of US "situs" assets.

Important Financial Disclaimer: Field Leaflet is not a registered investment advisor, broker-dealer, or tax professional in Manitoba or any other jurisdiction. All content is for informational purposes and should not be construed as personal financial or legal advice.

3. Rules of Conduct and Prohibitions

Users are granted a non-exclusive, non-transferable, revocable license to access the site strictly in accordance with these terms. As a condition of your use, you warrant that you will not:

• Use the site for any purpose that is unlawful or prohibited by Manitoba or Canadian federal law.
• Attempt to gain unauthorized access to any portion of the site or its associated systems.
• Use automated scripts, spiders, or "scraping" technologies to extract data without express written consent.
• Reproduce, duplicate, or resell any part of our guides or proprietary tax methodology.
• Engage in any activity that interferes with or disrupts the performance of the website.

4. Intellectual Property Rights

All content on this website, including text, graphics, logos, icons, images, and the compilation thereof, is the property of Field Leaflet or its content suppliers and is protected by Canadian and international copyright laws. The "Field Leaflet" name and logo are trademarks of the company.

You may print or download portions of the material from the site solely for your own non-commercial use, provided that you do not change or delete any copyright or proprietary notices from the materials.

5. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. FIELD LEAFLET MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE WEBSITE OR THE ACCURACY, COMPLETENESS, OR TIMELINESS OF THE INFORMATION PROVIDED.

Tax laws and treaty interpretations between the US and Canada (such as the Canada-U.S. Tax Convention) are subject to frequent change. We do not warrant that the information provided is current or error-free.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW IN THE PROVINCE OF MANITOBA, FIELD LEAFLET SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA OR USE.

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if Field Leaflet has been advised of the possibility of such damage.

7. Governing Law and Jurisdiction

These Terms of Service and your use of the website are governed by the laws of the Province of Manitoba and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Any dispute arising out of or relating to these terms shall be subject to the exclusive jurisdiction of the courts located in Winnipeg, Manitoba. You hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

8. External Links and Resources

Our website contains links to third-party websites (e.g., CRA, IRS, brokerage platforms). These links are provided for convenience only. Field Leaflet does not endorse and is not responsible for the content or practices of these third-party sites.

9. Contact Information