Terms of Service

Welcome to Paper and Thatch. These Terms of Service ("Terms") govern your access to and use of our website and services focused on financial modeling, mortgage analysis, and investment comparisons within the jurisdiction of Edmonton, Alberta, Canada.

By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must immediately cease all use of our website. These Terms constitute a legally binding agreement between you and Paper and Thatch.

Paper and Thatch provides digital tools, educational content, and analytical frameworks designed to help users evaluate the financial trade-offs between accelerated mortgage repayment and alternative investment opportunities (such as RRSPs, TFSAs, or non-registered accounts).

• Interactive financial modeling and scenario planning.
• Educational resources on Edmonton's real estate market and Canadian tax efficiency.
• Comparative data on historical market returns and mortgage interest rates.

Please note that all tools are for illustrative purposes only and use simplified mathematical models that may not account for all variables in your specific financial situation.

In using our website, you agree to comply with all applicable local, provincial, and federal laws of Canada. You are prohibited from:

• Using the service for any illegal purpose or to solicit the performance of any illegal activity.
• Attempting to interfere with the proper working of the site or bypassing any security measures.
• Using automated systems (robots, spiders, or scrapers) to harvest data from our platform without express written permission.
• Reproducing, duplicating, or reselling any part of our financial models or proprietary content.

All content, including text, graphics, logos, button icons, calculator algorithms, and software, is the property of Paper and Thatch and is protected by Canadian and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access the content for personal, non-commercial use only. Any other use, including the reproduction, modification, distribution, or transmission of the content of this site, is strictly prohibited.

To the maximum extent permitted by the laws of Alberta, Paper and Thatch, its directors, employees, or agents shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or the inability to use our services.

This includes, without limitation, damages for loss of profits, investment losses, property value fluctuations, or any other financial loss arising out of the use of our mortgage vs. investment comparison tools.

These Terms are governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein.

Any dispute arising from these Terms or the use of the site shall be subject to the exclusive jurisdiction of the courts located in Edmonton, Alberta. We also adhere to the Personal Information Protection and Electronic Documents Act (PIPEDA) and Alberta's Personal Information Protection Act (PIPA) regarding data handling.

We reserve the right to update or change these Terms at any time without prior notice. The date of the most recent revision will be indicated at the top of this page. Your continued use of the website after any changes signifies your acceptance of the new Terms.