Terms of Service

Last updated: July 9, 2026

Agreement and Acceptance

These Terms of Service govern your use of Statement Decode (Statement Decode Financial Services Limited) and its services. By accessing and using our website, you agree to be bound by these terms and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services. We reserve the right to modify these terms at any time, and your continued use of our website following such modifications constitutes your acceptance of the updated terms.

Scope of Services

We provide educational resources and guidance to help newcomers to Regina understand bank statements and financial fee structures. Our website offers informational content, explanatory materials, and decoding tools designed to enhance financial literacy among newcomers navigating Canadian banking systems. The content we provide is intended for educational purposes to help you interpret financial documents and understand banking terminology. We do not provide personalized financial advice, investment recommendations, or professional financial planning services.

User Obligations

You agree to use our website only for lawful purposes and in ways that do not infringe upon the rights of others or restrict their use and enjoyment. Prohibited behavior includes harassing or causing distress or inconvenience to any person, transmitting malicious code, disrupting the normal flow of dialogue within our website, and attempting to gain unauthorized access to our systems. You are responsible for maintaining the confidentiality of any account information you create and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the property of our organization or its content suppliers and is protected by international copyright laws. You are granted a limited, non-exclusive license to view and print pages from our website for personal, non-commercial use only. You may not reproduce, distribute, transmit, modify, or create derivative works from our content without our express written permission. Any unauthorized use of our intellectual property is strictly prohibited and may result in legal action.

Limitations of Liability

We provide our website and services on an "as is" basis without warranties of any kind, either expressed or implied. We do not guarantee the accuracy, completeness, or timeliness of the information provided. To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our website or services. This includes damages arising from errors, omissions, or reliance on information provided. We recommend consulting with qualified financial professionals for personalized advice regarding your specific situation.

Termination of Access

We reserve the right to terminate or suspend your access to our website at any time, for any reason, with or without notice. Termination may occur if you violate these Terms of Service, engage in illegal activities, or pose a threat to other users or our organization. Upon termination, your right to use our services will immediately cease. We will not be liable for any damages resulting from the suspension or termination of your access, except where prohibited by applicable law. You may also terminate your use of our services at any time by discontinuing access to our website.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Canada, specifically the Province of Saskatchewan, without regard to its conflict of law provisions. You agree that any legal action or proceeding related to these terms or your use of our website shall be brought exclusively in the courts located in Saskatchewan. By using our website, you consent to the jurisdiction and venue of these courts and waive any objections to such jurisdiction or venue.