Terms of use.

Last updated: March 13, 2026

1. Acceptance of Terms

By accessing and using the Maple Syrup Money website (maplesyrupmoney.com), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use our website.

2. About Our Content

Maple Syrup Money is a brand of Zyromegha Solutions Inc. that provides educational content about Canadian personal finance, home buying, and real estate investing. All content on this website — including articles, guides, ebooks, tools, and calculators — is for educational and informational purposes only.

Our content is not financial, investment, legal, tax, mortgage, or real estate advice. We are not licensed financial advisors, mortgage brokers, real estate agents, or legal professionals. Always consult qualified professionals before making financial decisions.

3. Use of Tools and Calculators

Our website provides free and paid calculator tools for personal finance and real estate analysis. These tools produce mathematical estimates based on the inputs you provide and are subject to the following limitations:

• Results do not reflect actual lender qualification criteria or program eligibility.
• Outputs may not account for current market conditions or your individual circumstances.
• Tax rules, interest rates, CMHC terms, and government programs are subject to change without notice.
• Calculator results should be verified with official government and lender sources.

4. Digital Products

We sell digital products including ebooks, guides, and checklists. Purchases are processed through Gumroad. By purchasing a digital product, you agree to:

• Use the product for personal, non-commercial purposes only.
• Not redistribute, resell, or share purchased products.
• Not modify the content for redistribution.

Free products (such as Maple Syrup Money) are provided in exchange for your email address and are subject to the same usage restrictions.

5. Newsletter and Communications

By subscribing to our newsletter, you agree to receive periodic emails from Maple Syrup Money. You can unsubscribe at any time using the link at the bottom of any email. We will not spam you or share your email with third parties for marketing purposes.

6. Intellectual Property

All content on this website — including text, graphics, logos, images, calculator code, and ebook content — is the property of Zyromegha Solutions Inc. and is protected by Canadian copyright law. You may not reproduce, distribute, or create derivative works from our content without written permission.

7. User Conduct

When using our website, you agree not to:

• Use the website for any unlawful purpose.
• Attempt to gain unauthorized access to our systems or data.
• Interfere with the proper functioning of the website.
• Scrape, crawl, or otherwise extract data from the website beyond normal use.
• Submit false information through our forms.

8. Third-Party Links

Our website may contain links to third-party websites (such as Gumroad, Hashnode, and social media platforms). We are not responsible for the content, privacy practices, or terms of these external sites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

9. Limitation of Liability

To the fullest extent permitted by Canadian law, Zyromegha Solutions Inc. shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Your use of or inability to use our website, tools, or products.
• Any decisions made based on the content provided on this website.
• Any errors or inaccuracies in calculator outputs or educational content.
• Any unauthorized access to or alteration of your data.

10. Disclaimer of Warranties

This website and its content are provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not guarantee the accuracy, completeness, or timeliness of any information on this website.

11. Charitable Donations

Maple Syrup Money donates a portion of its revenue to Cancer Research Canada and the IWK Children's Hospital Foundation. Donation amounts and timing are at our discretion. We publish quarterly donation summaries on our blog.

12. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the Province of Nova Scotia and the federal laws of Canada applicable therein. Any disputes shall be resolved in the courts of Nova Scotia.

13. Changes to These Terms

We reserve the right to update these Terms of Use at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the website after changes are posted constitutes your acceptance of the updated terms.

14. Contact Us

If you have questions about these Terms of Use, please contact us:

• Email: contactus@maplesyrupmoney.com
• Website: Contact Page

15. Full Disclaimer

The content on this website — including articles, guides, ebooks, tools, and calculators — is provided for educational and informational purposes only. It does not constitute, and must not be relied upon as, financial, investment, legal, tax, mortgage, or real estate advice.

Zyromegha Solutions Inc. is not a licensed financial advisor, mortgage broker, real estate agent, or legal professional.

Calculator outputs are mathematical estimates based on the inputs provided and may not reflect actual lender qualification criteria, program eligibility, current market conditions, or individual circumstances.

Regulations, tax rules, interest rates, CMHC program terms, government program details, and stress test thresholds are subject to change without notice — always verify current figures with official government and lender sources. Past performance is not indicative of future results.

Always seek independent advice from a qualified, licensed professional (such as a financial advisor, mortgage broker, real estate lawyer, or tax specialist) before making any financial or real estate investment decision.

By using this website, you acknowledge that Zyromegha Solutions Inc. bears no liability for decisions made based on the content presented here.