Terms of Use

1. Agreement

These terms are a contract between you and Hey, Loonie. By creating an account, or by continuing to use the service after we post a change, you agree to these terms and to the Privacy Policy. If you do not agree, do not use the service.

Nothing in these terms takes away a right you have under Canadian consumer protection law or privacy law that cannot be waived.

2. Who may use it

You may use Hey, Loonie only if all of the following are true:

• You are an individual, using the service for your own personal budgeting.
• You are ordinarily resident in Canada and located in Canada, and you confirm that when you register.
• You have reached the age of majority in your province or territory.
• We have approved your account. New accounts stay closed until an administrator approves them.

The service is not offered to businesses, to people outside Canada, or to anyone who cannot enter a contract.

3. What the service is, and what it is not

Hey, Loonie lets you import CSV files you export from your own financial institution, categorize spending, set budgets, and read reports based on that information.

Hey, Loonie is not a bank, credit union, trust company, payment processor, or money transmitter. It does not connect to your bank, hold funds, store a balance we owe you, or move money. It does not provide investment, tax, credit, insurance, legal, or employment advice. Figures on the screen are calculations from data you supply. You are responsible for checking them before you rely on them.

Hey, Loonie is not accredited by the Bank of Canada. It is not a participant in open banking or in Canada’s consumer-driven banking framework. It is not approved, certified, or endorsed by any government.

4. Your information

You keep ownership of the budgeting information you submit. You give us a limited permission to host, copy, and display that information only so we can provide the service to you, secure it, and meet legal duties. That permission ends when the information is deleted under the Privacy Policy, except for backups and security logs described there.

You confirm that you have the right to upload each CSV, and that you will not upload information about another person unless you are allowed to do so.

5. Your responsibilities

• Keep your password and authenticator recovery codes private.
• Use a unique password and confirm an authenticator app. The budget stays closed until that authenticator is confirmed.
• Check imported dates, amounts, and categories before you rely on a report.
• Download anything you need before you delete the account.
• Tell us promptly at [email protected] if you believe your account was accessed without permission.

6. Acceptable use

You may not:

• Try to view or change another person’s information.
• Probe, scan, overload, or disrupt the service.
• Upload malware, or upload files that are not the CSV statements the importer asks for.
• Use the service for fraud or any other unlawful purpose.
• Pretend that Hey, Loonie is a bank, a government service, or an open-banking provider.

7. Accounts we refuse or close

We may refuse a registration, or suspend or close an account, if the Canadian residency confirmation is missing, the account is not approved, these terms are broken, or we must do so to protect the service or to comply with law. You may close your own account from Profile. Closing an account is described in the Privacy Policy, including what remains in backups for a time.

8. Availability

We work to keep Hey, Loonie available, but we do not promise uninterrupted access. We may take the service offline for maintenance. During maintenance you will see a notice, and the page will refresh itself.

The service is provided as it is, without a warranty that it will meet a particular financial purpose or that every imported row will be categorized the way you expect. This sentence does not limit a warranty or condition that the law says we cannot exclude.

9. Responsibility for loss

We are not responsible for decisions you make from reports, for a CSV that was incomplete or mapped incorrectly, or for money you spend because of how you read the application. To the extent the law allows, we are not liable for indirect or consequential loss.

We do not limit liability for our own gross negligence or wilful misconduct, or for any liability that applicable law does not allow us to limit. Because the personal service is free, the fees you have paid us will often be zero. That fact does not remove a right a statute gives you.

10. Changes

We may update these terms. The date at the top of this page will change when we do. If a change expands how we use personal information, the Privacy Policy explains when we will ask you first. For other changes, using the service after the update means you accept the updated terms. If you do not accept them, stop using the service and delete your account.

11. Law that applies

These terms are governed by the laws of Canada and the laws of the Canadian province or territory in which the operator of Hey, Loonie is established. Courts in that province or territory may hear a dispute, except where a consumer protection or privacy statute lets you bring a claim somewhere else.

12. Contact

Questions about these terms: [email protected].