Terms of Service

By using the website provided by Small Room Note, you agree to comply with and be bound by the following terms and conditions. These terms apply to all visitors, users, and others who access or use the Service. In Edmonton, Alberta, and throughout Canada, your continued use of the site signifies your electronic signature and consent to these terms under the Electronic Transactions Act.

If you disagree with any part of the terms, then you may not access the service or use our financial tracking methodologies.

Small Room Note provides educational content, templates, and methodologies related to the "Cash Envelope Method" for personal financial management. Our services include:

• Budgeting tutorials and manual tracking guides.
• Downloadable PDF templates for expense classification.
• Regional economic commentary relevant to the Edmonton market.
• Methodological frameworks for physical cash management.

Note: We do not provide software-as-a-service (SaaS) or automated banking integrations. Our method is strictly focused on manual, physical accounting techniques.

Users are granted a limited, non-exclusive license to use our materials for personal, non-commercial use. You expressly agree NOT to:

• Reproduce, duplicate, or sell any content from Small Room Note without prior written consent.
• Use our "Cash Envelope Method" templates for any illegal money laundering activities or tax evasion.
• Attempt to reverse-engineer any proprietary budgeting calculators or logic presented on the site.
• Use the service to transmit any malicious code or "bots".

The Service and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of Small Room Note and its licensors. Our intellectual property is protected by Canadian and international copyright, trademark, and other laws. The specific visual design of our physical envelope templates and the "Small Room Note" brand are protected assets.

Small Room Note is not a financial institution, bank, or investment advisor. The information provided on this site is for educational and informational purposes only. It should not be considered as professional financial advice.

WE ARE NOT RESPONSIBLE FOR ANY FINANCIAL LOSSES RESULTING FROM THE USE OF OUR METHODOLOGIES.

Before making any significant financial decisions, you should consult with a certified financial planner or qualified accountant in the province of Alberta or your local jurisdiction.

In no event shall Small Room Note, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Service.
• Any conduct or content of any third party on the Service.
• Any content obtained from the Service.
• Unauthorized access, use or alteration of your transmissions or content.

These Terms shall be governed and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. Any legal action or proceeding related to your access to, or use of, the Site shall be instituted in a provincial or federal court in Edmonton, Alberta.

If you have any questions about these Terms, please contact the Small Room Note legal compliance team: