Terms of Service

Welcome to Porch Still. Please read these Terms of Service carefully before accessing or using our website and services in Winnipeg, Manitoba.

1. Acceptance of Terms

By accessing or using the website operated by Porch Still (the "Service"), you agree to be bound by these Terms of Service ("Terms") and all applicable laws and regulations in the Province of Manitoba and the federal laws of Canada. 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 ongoing agreement to any modifications made to these Terms.

2. Description of Services

Porch Still provides educational resources, technical guides, and analytical tools focused on understanding credit history and credit score optimization within the Canadian financial ecosystem. Our services include, but are not limited to:

• Technical manuals on credit utilization and account longevity.
• Guides on navigating hard and soft credit inquiries.
• Strategies for diversifying credit mixes in accordance with Manitoba financial standards.
• Educational content regarding derogatory marks and error correction.

Note: Porch Still is not a credit repair company, a debt settlement agency, or a licensed financial advisor. We provide informational tools to help users understand the mechanics of credit scoring.

3. Rules of Use and Prohibited Conduct

You agree to use the Service only for lawful purposes. You are prohibited from:

• Using the Service in any way that violates the Consumer Protection Act of Manitoba or the federal Competition Act.
• Attempting to decompile or reverse engineer any software contained on Porch Still's website.
• Removing any copyright or other proprietary notations from the materials.
• Transferring the materials to another person or "mirroring" the materials on any other server.
• Using the site to conduct fraudulent activities or misrepresent your financial identity.

4. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Porch Still and its licensors. The intellectual property is protected by Canadian and international copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Porch Still.

5. Disclaimer of Warranties

The materials on Porch Still's website are provided on an 'as is' basis. Porch Still 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 or other violation of rights.

Further, Porch Still does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

6. Limitation of Liability

In no event shall Porch Still 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 Porch Still's website, even if Porch Still or a Porch Still authorized representative has been notified orally or in writing of the possibility of such damage.

Because some jurisdictions (including certain consumer protection provisions in Canada) do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

7. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Province of Manitoba and the federal laws of Canada applicable therein. You irrevocably submit to the exclusive jurisdiction of the courts located in Winnipeg, Manitoba, for the resolution of any disputes arising out of or relating to these Terms or your use of the Service.

This agreement is drafted in alignment with the Personal Information Protection and Electronic Documents Act (PIPEDA) and the Business Practices Act of Manitoba.

8. Modifications to Service and Terms

Porch Still reserves the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

9. Links to Third-Party Sites

Our Service may contain links to third-party web sites or services that are not owned or controlled by Porch Still. Porch Still has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that Porch Still shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

10. Contact Information

If you have any questions about these Terms, please contact us using the information below: