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TERMS AND CONDITIONS

Last updated March 10, 2026

AGREEMENT TO OUR LEGAL TERMS

We are Technologies Bernli Inc. (“Company,” “we,” “us,” “our”), a company registered in Canada at 3-396 boulevard de la cité, Gatineau, Quebec J8T 8A1.

We operate the website https://www.bernli.ca (the “Site”), as well as any other related products and services that refer or link to these legal terms (the “Legal Terms”) (collectively, the “Services”).

Bernli is an AI-powered personal finance management tool that provides budgeting, receipt organization, data aggregation, and related informational features. The Services may generate automated outputs, classifications, summaries, or insights based on user-provided data and connected third-party data sources, and those outputs should be reviewed by you for accuracy and suitability.

You can contact us by email at [email protected] or by mail to 3-396 boulevard de la cité, Gatineau, Quebec J8T 8A1, Canada.

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”), and Technologies Bernli Inc., concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

We will provide you with at least thirty (30) days’ prior written notice of any material changes to these Legal Terms by email to the address associated with your account or by prominent notice within the Services. The notice will describe the new or amended clause, the clause as it previously read, the effective date of the change, and your right to refuse the change and terminate these Legal Terms without cost, penalty, or cancellation indemnity if the change increases your obligations or reduces our obligations. The modified Legal Terms will become effective thirty (30) days after such notice is sent. If you do not agree with the modified terms, you may cancel your subscription and terminate your account at any time before the effective date of the changes, without penalty or cancellation fee. By continuing to use the Services after the effective date of any changes, you agree to be bound by the modified terms, except to the extent applicable law requires your express consent or gives you non-waivable rights to refuse the change. If you are a Quebec consumer, your rights under the Consumer Protection Act of Quebec (Loi sur la protection du consommateur) with respect to contract modifications are fully preserved.

The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.

We recommend that you print a copy of these Legal Terms for your records.

TABLE OF CONTENTS

  • 1. OUR SERVICES

  • 2. INTELLECTUAL PROPERTY RIGHTS

  • 3. USER REPRESENTATIONS

  • 4. USER REGISTRATION

  • 5. PURCHASES AND PAYMENT

  • 6. SUBSCRIPTIONS

  • 7. PROHIBITED ACTIVITIES

  • 8. USER GENERATED CONTRIBUTIONS

  • 9. CONTRIBUTION LICENSE

  • 10. SOCIAL MEDIA

  • 11. THIRD-PARTY WEBSITES AND CONTENT

  • 12. SERVICES MANAGEMENT

  • 13. PRIVACY POLICY

  • 14. CANADIAN COPYRIGHT NOTICE AND POLICY

  • 15. TERM AND TERMINATION

  • 16. MODIFICATIONS AND INTERRUPTIONS

  • 17. GOVERNING LAW

  • 18. DISPUTE RESOLUTION

  • 19. CORRECTIONS

  • 20. DISCLAIMER

  • 21. NO FIDUCIARY OR ADVISORY RELATIONSHIP

  • 22. LIMITATIONS OF LIABILITY

  • 23. INDEMNIFICATION

  • 24. USER DATA

  • 25. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

  • 26. CANADIAN CONSUMER COMPLAINTS AND REGULATORY CONTACTS

  • 27. MISCELLANEOUS

  • 28. CONTACT US

  1. OUR SERVICES

The Services are intended for access and use in Canada only and are not intended for distribution to or use by any person or entity outside Canada or in any place where such distribution or use would be contrary to law or would subject us to any registration or licensing requirement. Users who access the Services from outside Canada do so on their own initiative and are solely responsible for compliance with applicable laws, but these Legal Terms are drafted for Canada-wide use and are subject to the mandatory rights and protections available under applicable Canadian federal and provincial law, including Quebec consumer protection law where applicable.

Financial Disclaimer: This app provides budgeting tools, receipt organization, and data aggregation for informational purposes only. It is not financial, investment, tax, accounting, or legal advice, and we are not a bank, broker-dealer, portfolio manager, investment adviser, credit counsellor, tax preparer, accountant, law firm, fiduciary, or regulated financial institution. We do not provide personalized recommendations, credit repair, debt settlement, or tax filing services. Users are solely responsible for their financial decisions, tax reporting (including CRA/Revenu Québec compliance for digitized receipts), and verifying receipt data accuracy. Past performance or insights do not guarantee future results. Consult a qualified professional for advice.

No Guarantee of AI/OCR/Receipt Accuracy: Uploaded receipts and other data may be processed using AI, machine learning, optical character recognition, categorization, or data-matching tools for user convenience. We do not guarantee 100% accuracy, completeness, timeliness, or suitability of extracted data, categories, summaries, insights, or other outputs (e.g., amounts, dates, vendors, tax categories, or spending trends). Users must review and correct entries before relying on them. We are not liable for errors in tax filings, budgeting, financial decisions, or other actions based on AI, OCR, or aggregated outputs, except to the extent such liability cannot be excluded under applicable law.

Third‑Party Services: Bank connections via Plaid and payments via Stripe are provided by third parties. Third-party services may be subject to separate terms, privacy notices, fees, eligibility requirements, and data practices, and may be modified, suspended, or discontinued by the third party or by us. We are not responsible for their availability, security, accuracy, acts, omissions, or compliance, except to the extent required by applicable law. Review their terms/policies separately before using connected features.

Limited Authorization for Bank Access: By connecting a bank account through our Services via Plaid, Inc., you authorize Technologies Bernli Inc. and Plaid, Inc. to act on your behalf solely as necessary to access, retrieve, and transmit your financial account information from the relevant financial institutions for use in the Services. This authority is limited strictly to retrieving account balances, transaction histories, and related financial data necessary to provide the Services. This authorization does not authorize Technologies Bernli Inc. or Plaid, Inc. to initiate transactions, transfer funds, modify your accounts, obtain credit, or take any action beyond read-only data retrieval. You may revoke this authorization at any time by disconnecting your bank account through the Settings page, which will revoke the associated Plaid access tokens, subject to reasonable processing time and any retention required by law, security, fraud prevention, backup, or legitimate business recordkeeping obligations.

  1. INTELLECTUAL PROPERTY RIGHTS

Our intellectual property

We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the “Content”), as well as the trademarks, service marks, and logos contained therein (the “Marks”).

The Content and Marks are provided in or through the Services “AS IS” for your personal, non-commercial use or internal business purpose only.

Your use of our Services

Subject to your compliance with these Legal Terms, including the PROHIBITED ACTIVITIES section below, we grant you a non-exclusive, non-transferable, revocable license to: access the Services; and download or print a copy of any portion of the Content to which you have properly gained access, solely for your personal, non-commercial use or internal business purpose.

Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to: [email protected]. If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible on posting, reproducing, or displaying our Content.

We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.

Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.

Your submissions and contributions

Please review this section and the PROHIBITED ACTIVITIES section carefully prior to using our Services to understand the (a) rights you give us and (b) obligations you have when you post or upload any content through the Services.

Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services (“Submissions”), you grant us a perpetual, irrevocable, worldwide, royalty-free, fully paid, transferable, sublicensable license to use, reproduce, modify, disclose, and otherwise exploit such Submissions for any lawful purpose, including to operate, improve, and market the Services, without acknowledgment or compensation to you. You represent that you have the right to provide such Submissions and that they do not contain confidential information unless we have expressly agreed otherwise in writing.

Contributions: The Services may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality during which you may create, submit, post, display, transmit, publish, distribute, or broadcast content and materials to us or through the Services, including but not limited to text, writings, video, audio, photographs, music, graphics, comments, reviews, rating suggestions, personal information, or other material (“Contributions”). Any Submission that is publicly posted shall also be treated as a Contribution.

You understand that Contributions may be viewable by other users of the Services and possibly through third-party websites.

When you post Contributions, you grant us a license (including use of your name, trademarks, and logos): By posting any Contributions, you grant us airrevocable, perpetual non-exclusive, transferable, sublicensable, royalty-free, fully-paid, worldwide right and license to: host, store, use, copy, reproduce, process, adapt, modify, publish, transmit, display, distribute, and create derivative works from your Contributions solely as reasonably necessary to provide, secure, maintain, improve, promote, and make available the Services and as otherwise permitted by these Legal Terms and our Privacy Policy. Our use and distribution may occur in any media formats and through any media channels.

This license includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide.

You are responsible for what you post or upload: By sending us Submissions and/or posting Contributions through any part of the Services or making Contributions accessible through the Services by linking your account through the Services to any social networking, financial, or other third-party account, you: confirm that you have read and agree with our PROHIBITED ACTIVITIES and will not post, send, publish, upload, connect, or transmit through the Services any Submission, Contribution, data source, or account connection that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, misleading, infringing, or obtained without authorization; to the extent permissible by applicable law, waive any and all moral rights to any such Submission and/or Contribution, and otherwise agree not to assert moral rights in a manner that prevents us from exercising the licenses granted in these Legal Terms; warrant that any such Submission and/or Contributions are original to you or that you have the necessary rights, consents, and licenses to submit such Submissions and/or Contributions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions and/or Contributions; and warrant and represent that your Submissions and/or Contributions do not constitute confidential information unless expressly agreed by us in writing.

You are solely responsible for your Submissions and/or Contributions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party’s intellectual property rights, or (c) applicable law.

We may remove or edit your Content: Although we have no obligation to monitor any Contributions, we shall have the right to remove or edit any Contributions at any time without notice if in our reasonable opinion we consider such Contributions harmful or in breach of these Legal Terms. If we remove or edit any such Contributions, we may also suspend or disable your account and report you to the authorities.

Copyright infringement

We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please immediately refer to the CANADIAN COPYRIGHT NOTICE AND POLICY section below.

  1. USER REPRESENTATIONS

By using the Services, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these Legal Terms; (4) you are not a minor in the jurisdiction in which you reside; (5) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise, except through interfaces we expressly make available; (6) you will not use the Services for any illegal or unauthorized purpose; (7) your use of the Services will not violate any applicable law or regulation; (8) you own or have all necessary rights and consents to upload, connect, or process any financial, receipt, account, or personal information through the Services; and (9) you will not use the Services to make financial, tax, legal, investment, credit, or other professional decisions without independently verifying outputs and consulting qualified professionals where appropriate.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).

  1. USER REGISTRATION

You may be required to register to use the Services. You agree to keep your password and authentication credentials confidential, enable available security features where appropriate, promptly notify us of any suspected unauthorized access or security incident involving your account, and be responsible for all use of your account and password to the extent permitted by applicable law. You must not share, sell, transfer, or allow another person to use your account without our permission. We reserve the right to remove, reclaim, or change a username you select if we determine, in our reasonable discretion, that such username is inappropriate, obscene, infringing, misleading, or otherwise objectionable.

  1. PURCHASES AND PAYMENT

We accept the following forms of payment:

  • Stripe

You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services. You further agree to promptly update account and payment information, including email address, payment method, billing address, and payment card expiration date, so that we can complete your transactions and contact you as needed. Applicable sales, goods and services, harmonized sales, Quebec sales, value-added, or similar taxes will be added to the price of purchases where required by law. We may change prices only in accordance with these Legal Terms and applicable law. Unless otherwise displayed at checkout, all payments shall be in Canadian dollars, and any foreign exchange, bank, card, or payment-provider fees are your responsibility.

You agree to pay all charges at the prices, billing frequency, taxes, and any other fees disclosed to you at checkout or in your account for your purchases, and you authorize us and our payment processor to charge your chosen payment provider for any such amounts upon placing your order and, for subscriptions, on a recurring basis until cancellation. We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment, but we will not charge you a corrected higher price for a consumer purchase without your consent where required by applicable law.

We reserve the right to refuse any order placed through the Services. We may, in our sole discretion, limit or cancel quantities purchased per person, per household, or per order. These restrictions may include orders placed by or under the same customer account, the same payment method, and/or orders that use the same billing or shipping address. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers, or distributors.

  1. SUBSCRIPTIONS

Billing and Renewal

Your subscription will continue and automatically renew unless cancelled. Before you subscribe, we will disclose the subscription price, billing frequency, renewal terms, cancellation method, and any trial or promotional terms. You consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge, until such time as you cancel the applicable order. The length of your billing cycle is monthly unless another billing cycle is clearly disclosed at checkout. You are responsible for cancelling before the renewal date if you do not want the subscription to renew.

Cancellation

You can cancel your subscription at any time by logging into your account or by contacting us at [email protected] if in-account cancellation is unavailable. We will provide a cancellation mechanism that is reasonably accessible and no more burdensome than the mechanism used to subscribe, where required by applicable law. Your cancellation will take effect at the end of the current paid term, and you will retain access until then unless we are required to terminate earlier for legal, security, or policy reasons. Except where required by applicable law or expressly stated at checkout, fees are non-refundable and we do not provide credits or refunds for partial billing periods. If you have any questions or are unsatisfied with our Services, please email us at [email protected].

Fee Changes

We may, from time to time, make changes to the subscription fee and will communicate any price changes to you in accordance with applicable law and the amendment provisions of these Legal Terms. Price increases will not apply to your current paid billing period and, where required by law, will take effect only after prior notice and an opportunity to cancel before the increase applies.

  1. PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Services, you agree not to:

  • Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.

  • Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.

  • Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.

  • Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.

  • Use any information obtained from the Services in order to harass, abuse, or harm another person.

  • Make improper use of our support services or submit false reports of abuse or misconduct.

  • Use the Services in a manner inconsistent with any applicable laws or regulations.

  • Engage in unauthorized framing of or linking to the Services.

  • Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.

  • Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.

  • Delete the copyright or other proprietary rights notice from any Content.

  • Attempt to impersonate another user or person or use the username of another user.

  • Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”).

  • Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.

  • Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.

  • Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.

  • Copy or adapt the Services’ software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.

  • Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.

  • Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorized script or other software.

  • Use a buying agent or purchasing agent to make purchases on the Services.

  • Make any unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email or other commercial electronic messages, including messages sent without consent or required sender identification and unsubscribe mechanisms under Canada’s Anti-Spam Legislation (CASL), or creating user accounts by automated means or under false pretenses.

  • Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise.

  • Connect, upload, access, process, or attempt to retrieve any bank account, receipt, financial record, personal information, or third-party account unless you are authorized to do so and have obtained all required consents.

  • Use the Services to provide, market, or rely on financial, investment, tax, legal, accounting, credit, insurance, or other regulated professional advice or services, or to make decisions that have legal or similarly significant effects on individuals, without independent professional review and all required licences, authorizations, and disclosures.

  • Use the Services or any outputs to train, fine-tune, benchmark, develop, or improve competing artificial intelligence models, foundation models, data sets, or services, except with our prior written permission or as permitted by applicable law.

  • Probe, scan, test, or attempt to assess the vulnerability of the Services, bypass rate limits or usage restrictions, interfere with model-safety or security features, prompt-inject or otherwise manipulate the Services to disclose system prompts, credentials, personal information, confidential information, or non-public data, or use outputs to create malware, phishing, fraud, spam, or other harmful content.

  1. USER GENERATED CONTRIBUTIONS

The Services may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, “Contributions”). Contributions may be viewable by other users of the Services and through third-party websites. As such, any Contributions you transmit may be treated as non-confidential and non-proprietary. When you create or make available any Contributions, you thereby represent and warrant that:

  • The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.

  • You are the creator and owner of or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize us, the Services, and other users of the Services to use your Contributions in any manner contemplated by the Services and these Legal Terms.

  • You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Services and these Legal Terms.

  • Your Contributions are not false, inaccurate, or misleading.

  • Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, commercial electronic messages that do not comply with CASL, or other forms of solicitation.

  • Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable (as determined by us).

  • Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.

  • Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.

  • Your Contributions do not violate any applicable law, regulation, or rule.

  • Your Contributions do not violate the privacy or publicity rights of any third party.

  • Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.

  • Your Contributions do not include hateful, discriminatory, or offensive comments connected to race, national or ethnic origin, colour, religion, age, sex, sexual orientation, gender identity or expression, marital status, family status, disability, or any other ground protected by applicable Canadian human rights law.

  • Your Contributions do not otherwise violate, or link to material that violates, any provision of these Legal Terms, or any applicable law or regulation.

Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.

  1. CONTRIBUTION LICENSE

By posting your Contributions to any part of the Services or making Contributions accessible to the Services by linking your account from the Services to any social networking, financial, or other third-party account, you automatically grant, and you represent and warrant that you have the right to grant, to us a non-exclusive, transferable, sublicensable, royalty-free, fully-paid, worldwide right and license to host, store, use, copy, reproduce, process, adapt, modify, publish, transmit, display, distribute, and create derivative works from such Contributions solely as reasonably necessary to provide, secure, maintain, improve, promote, and make available the Services and as otherwise permitted by these Legal Terms and our Privacy Policy. The use and distribution may occur in any media formats and through any media channels.

This license will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide, in each case only as reasonably necessary for the permitted uses above. To the extent permissible by applicable law, you waive all moral rights in your Contributions and otherwise agree not to assert moral rights in a manner that prevents us from exercising the licenses granted in these Legal Terms.

We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions, subject to the licenses granted in these Legal Terms. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services, except to the extent such liability cannot be excluded under applicable law. You are solely responsible for your Contributions to the Services and you agree not to bring any claim against us regarding your Contributions except to the extent prohibited by applicable law.

We have the right, in our reasonable discretion, (1) to edit, redact, or otherwise change any Contributions to operate, secure, or enforce the Services; (2) to re-categorize any Contributions to place them in more appropriate locations on the Services; and (3) to pre-screen or delete any Contributions at any time and for any reason, with or without notice, where we believe they violate these Legal Terms, law, third-party rights, or platform policies. We have no obligation to monitor your Contributions.

  1. SOCIAL MEDIA

As part of the functionality of the Services, you may link your account with online accounts you have with third-party service providers (each such account, a “Third-Party Account”) by either: (1) providing your Third-Party Account login information through the Services; or (2) allowing us to access your Third-Party Account, as is permitted under the applicable terms and conditions that govern your use of each Third-Party Account. You represent and warrant that you are entitled to disclose your Third-Party Account login information to us and/or grant us access to your Third-Party Account, without breach by you of any of the terms and conditions that govern your use of the applicable Third-Party Account, and without obligating us to pay any fees or making us subject to any usage limitations imposed by the third-party service provider of the Third-Party Account. By granting us access to any Third-Party Accounts, you understand that (1) we may access, make available, and store (if applicable) any content that you have provided to and stored in your Third-Party Account (the “Social Network Content”) so that it is available on and through the Services via your account, including without limitation any friend lists and (2) we may submit to and receive from your Third-Party Account additional information to the extent you are notified when you link your account with the Third-Party Account. Depending on the Third-Party Accounts you choose and subject to the privacy settings that you have set in such Third-Party Accounts, personal information that you post to your Third-Party Accounts may be available on and through your account on the Services and will be handled in accordance with our Privacy Policy and applicable Canadian privacy laws. Please note that if a Third-Party Account or associated service becomes unavailable or our access to such Third-Party Account is terminated by the third-party service provider, then Social Network Content may no longer be available on and through the Services. You will have the ability to disable the connection between your account on the Services and your Third-Party Accounts at any time. PLEASE NOTE THAT YOUR RELATIONSHIP WITH THE THIRD-PARTY SERVICE PROVIDERS ASSOCIATED WITH YOUR THIRD-PARTY ACCOUNTS IS GOVERNED SOLELY BY YOUR AGREEMENT(S) WITH SUCH THIRD-PARTY SERVICE PROVIDERS. We make no effort to review any Social Network Content for any purpose, including but not limited to, for accuracy, legality, or non-infringement, and we are not responsible for any Social Network Content, except to the extent such responsibility cannot be excluded under applicable law. We will access your email address book associated with a Third-Party Account or your contacts list stored on your mobile device or tablet computer only with your express consent and solely for purposes disclosed to you at the time of consent; we will not send commercial electronic messages to your contacts unless permitted by CASL. You can deactivate the connection between the Services and your Third-Party Account by contacting us using the contact information below or through your account settings (if applicable). We will attempt to delete any information stored on our servers that was obtained through such Third-Party Account, except information retained as required or permitted by law, security, fraud prevention, backup, or legitimate business recordkeeping obligations.

  1. THIRD-PARTY WEBSITES AND CONTENT

The Services may contain (or you may be sent via the Site) links to other websites (“Third-Party Websites”) as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties (“Third-Party Content”). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content, except to the extent such responsibility cannot be excluded under applicable law. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party, except to the extent required by applicable law. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services to the extent permitted by applicable law. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites to the extent permitted by applicable law.

  1. SERVICES MANAGEMENT

We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

  1. PRIVACY POLICY

We care about data privacy and security. Please review our Privacy Policy: https://www.bernli.ca/policies/privacy-policy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United States. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Services, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States.

  1. DIGITAL MILLENNIUM COPYRIGHT ACT (DMCA) NOTICE AND POLICY

Notifications

We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please immediately notify our Designated Copyright Agent using the contact information provided below (a “Notification”). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. Please be advised that pursuant to federal law you may be held liable for damages if you make material misrepresentations in a Notification. Thus, if you are not sure that material located on or linked to by the Services infringes your copyright, you should consider first contacting an attorney.

All Notifications should include the following information: (1) A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (2) identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works on the Services are covered by the Notification, a representative list of such works on the Services; (3) identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material; (4) information reasonably sufficient to permit us to contact the complaining party, such as an address, telephone number, and, if available, an email address at which the complaining party may be contacted; (5) a statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (6) a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed upon.

Counter Notification

If you believe your own copyrighted material has been removed from the Services as a result of a mistake or misidentification, you may submit a written counter notification to our Designated Copyright Agent using the contact information provided below (a “Counter Notification”). To be an effective Counter Notification under the DMCA, your Counter Notification must include substantially the following: (1) identification of the material that has been removed or disabled and the location at which the material appeared before it was removed or disabled; (2) a statement that you consent to the jurisdiction of the district of Gatineau; (3) a statement that you will accept service of process from the party that filed the Notification or the party’s agent; (4) your name, address, and telephone number; (5) a statement under penalty of perjury that you have a good faith belief that the material in question was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; and (6) your physical or electronic signature.

If you send us a valid, written Counter Notification meeting the requirements described above, we will restore your removed or disabled material, unless we first receive notice from the party filing the Notification informing us that such party has filed a court action to restrain you from engaging in infringing activity related to the material in question. Please note that if you materially misrepresent that the disabled or removed content was removed by mistake or misidentification, you may be liable for damages, including costs and attorney’s fees. Filing a false Counter Notification constitutes perjury.

Designated Copyright Agent

Samuel Bernier
Attn: Copyright Agent
3-396 boulevard de la cité
Gatineau, Quebec J8T 8A1
Canada

[email protected]

  1. TERM AND TERMINATION

These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

  1. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.

We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.

  1. GOVERNING LAW

All matters relating to the Services and these Legal Terms, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein, without giving effect to any choice or conflict of law provision or rule.

  1. DISPUTE RESOLUTION

Informal Resolution

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a “Dispute” and collectively, the “Disputes”) brought by either you or us (individually, a “Party” and collectively, the “Parties”), the Parties agree to first attempt to resolve any Dispute informally for at least thirty (30) days before initiating any court proceeding. Such informal resolution period commences upon written notice from one Party to the other Party at the contact information provided in these Legal Terms. During this period, the Parties shall engage in good-faith discussions to attempt to resolve the Dispute without resort to formal proceedings.

Exclusive Jurisdiction and Venue

Any legal suit, action, or proceeding arising out of, or related to, these Legal Terms or the Services shall be instituted exclusively in the courts of the Province of Quebec sitting in the judicial district of Gatineau, or in the Federal Court of Canada, although we retain the right to bring any suit, action, or proceeding against you for breach of these Legal Terms in your country or province of residence or any other relevant jurisdiction. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Limitation on Time to File Claims

Any cause of action or claim you may have arising out of or relating to these Legal Terms or the Services must be commenced within one (1) year after the cause of action accrues; otherwise, such cause of action or claim is permanently barred. For Quebec residents, where the Civil Code of Québec prescribes a longer limitation period (including the three (3) year prescriptive period under article 2925 C.C.Q.), such longer period shall apply to the extent required by law.

Quebec Consumer Protection

Nothing in this section shall be interpreted as limiting the rights of consumers under the Consumer Protection Act of Quebec (Loi sur la protection du consommateur) or any other mandatory consumer protection legislation that cannot be waived by agreement. Where any provision of this section conflicts with such legislation, the applicable consumer protection provisions shall prevail.

  1. CORRECTIONS

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

  1. DISCLAIMER

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES’ CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

Notwithstanding the foregoing, nothing in this section excludes or limits our liability for bodily injury or death, nor does it override any mandatory warranty or quality obligation imposed by applicable consumer protection legislation, including the Consumer Protection Act of Quebec (Loi sur la protection du consommateur) and the Civil Code of Québec. To the extent any disclaimer above conflicts with your rights under such legislation, the applicable statutory protections shall prevail.

  1. NO FIDUCIARY OR ADVISORY RELATIONSHIP

No Fiduciary or Advisory Relationship. Use of Bernli does not create any fiduciary, advisory, investment, or professional relationship between you and Technologies Bernli Inc. AI-generated insights, budgeting tools, transaction summaries, and any other information provided through the Services are informational only and do not constitute financial, investment, tax, or legal advice. You are solely responsible for your financial decisions. Technologies Bernli Inc. is not a registered investment advisor, broker-dealer, financial planner, tax advisor, or licensed professional of any kind. Always consult a qualified professional before making financial decisions based on information provided through the Services.

  1. LIMITATIONS OF LIABILITY

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

For Quebec residents: Nothing in this section limits your rights under the Consumer Protection Act of Quebec (Loi sur la protection du consommateur) or the Civil Code of Québec. In particular, the liability limitations above do not apply to: (a) bodily injury or death; (b) damages caused by intentional fault or gross negligence (faute intentionnelle ou faute lourde); (c) obligations that cannot be excluded under articles 1471 to 1474 of the Civil Code of Québec, including liability for material or moral prejudice caused to another through fault; or (d) any other liability that cannot be limited under applicable Quebec consumer protection legislation. Where any provision of this section conflicts with the Consumer Protection Act of Quebec or the Civil Code of Québec, the applicable statutory provisions shall prevail.

  1. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your Contributions; (2) use of the Services; (3) breach of these Legal Terms; (4) any breach of your representations and warranties set forth in these Legal Terms; (5) your violation of the rights of a third party, including but not limited to intellectual property rights; or (6) any overt harmful act toward any other user of the Services with whom you connected via the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

  1. USER DATA

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. To the extent permitted by applicable law, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and Quebec’s Act respecting the protection of personal information in the private sector (Law 25), you agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data. Nothing in this section limits our obligations under applicable privacy legislation to implement reasonable security measures to protect your personal information.

  1. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

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  1. MISCELLANEOUS

These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.

  1. CONTACT US

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

Technologies Bernli Inc.
3-396 boulevard de la cité
Gatineau, Quebec J8T 8A1
Canada

[email protected]