Terms of Service
1. Acceptance of Terms
By accessing or using the website operated by Brass & Broom, located in Halifax, Nova Scotia, you agree to be bound by these Terms of Service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local Canadian laws.
If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law. Your continued use of the site constitutes your legal agreement to these terms.
2. Description of Services
Brass & Broom provides educational resources, analytical tools, and strategic frameworks focused on personal debt management, specifically targeting credit card debt reduction in the Canadian financial context.
- Debt Snowball and Avalanche methodology analysis.
- Interest rate compounding projections and calculators.
- Educational content regarding Equifax and TransUnion scoring.
- Cash flow allocation frameworks (50/30/20 and Zero-Based).
Note: We are not a credit counseling agency, debt settlement firm, or licensed insolvency trustee.
3. Use License & Restrictions
Permission is granted to temporarily download one copy of the materials (information or software) on Brass & Broom's website for personal, non-commercial transitory viewing only.
Under this license you may not:
- Modify or copy the proprietary financial algorithms.
- Use the materials for any commercial purpose or public display.
- Attempt to decompile or reverse engineer any software contained on the site.
- Remove any copyright or other proprietary notations from the materials.
- Transfer the materials to another person or "mirror" the materials on any other server.
4. Intellectual Property
The logos, visual design, custom calculators, and written strategies (including the "Brass & Broom Method") are the exclusive property of Brass & Broom. Unauthorized use of our intellectual property is strictly prohibited under the Copyright Act of Canada and international treaties.
5. Disclaimer & Limitation of Liability
The materials on this website are provided on an 'as is' basis.
Brass & Broom makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property.
In no event shall Brass & Broom or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Brass & Broom's website, even if Brass & Broom has been notified orally or in writing of the possibility of such damage.
6. Governing Law & Jurisdiction
These terms and conditions are governed by and construed in accordance with the laws of the Province of Nova Scotia and the federal laws of Canada applicable therein. You irrevocably submit to the exclusive jurisdiction of the courts in Halifax, Nova Scotia for any dispute arising out of or relating to these terms or the use of this website.
7. Contact & Requisites
If you have any questions about these Terms of Service, please contact the Brass & Broom administration at: