Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you and Willowbroom regarding your access to and use of our website and its educational content on Canadian dividend investing.

By accessing Willowbroom, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and Cookie Policy. If you do not agree to these terms, you must immediately cease all use of our services.

Under the laws of Quebec and Canada, your continued use of the site signifies your electronic signature and acceptance of these provisions.

Willowbroom provides informational and educational resources focused on the Canadian stock market, specifically:

• Analysis of S&P/TSX Dividend Aristocrats and high-yield equities.
• Structural guides on TFSA (Tax-Free Savings Account) and RRSP (Registered Retirement Savings Plan) geometry.
• Valuation frameworks for Canadian REITs, Banks, and Energy Infrastructure.
• Quantitative portfolio construction methodologies.

IMPORTANT: Willowbroom is not a registered investment advisor, broker, or financial planner under the Autorité des marchés financiers (AMF) or any other Canadian regulatory body. All content is for educational purposes only and does not constitute personalized financial advice.

When using Willowbroom, you agree not to:

• Use the site for any illegal purpose or in violation of local, provincial, or international laws.
• Republish, sell, or rent material from the website without our express written consent.
• Attempt to bypass security measures or disrupt the site's infrastructure.
• Use automated systems (bots, crawlers) to scrape data for commercial use.
• Engage in conduct that restricts or inhibits any other user's use or enjoyment of the site.

All content on Willowbroom—including text, graphics, logos, valuation models, and structural diagrams—is the property of Willowbroom and is protected by the Copyright Act of Canada and international intellectual property treaties.

You are granted a limited, non-exclusive, non-transferable license to access and view the content for personal, non-commercial use. Any unauthorized use of our intellectual property may result in legal action in the courts of Montreal.

The information provided on Willowbroom is on an "as is" and "as available" basis. While we strive for accuracy, Willowbroom makes no warranties, expressed or implied, regarding:

• The accuracy, completeness, or timeliness of financial data.
• The future performance of any mentioned dividend stocks or sectors.
• The continuity of service or absence of technical errors.

Investing in the Canadian market involves risk, including the loss of principal. Past performance is not indicative of future results.

Willowbroom reserves the right to modify these Terms at any time. We will notify users of significant changes by updating the "Last Updated" date at the top of this page. Your continued use of the site after such changes constitutes acceptance of the new Terms.

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

Any dispute, controversy, or claim arising out of or relating to these Terms shall be submitted to the exclusive jurisdiction of the courts of the judicial district of Montreal, Quebec. This includes protections under the Civil Code of Quebec and the Consumer Protection Act where applicable.

If you have any questions regarding these Terms of Service, please contact the Willowbroom legal department: