Terms of Service

Welcome to SnapProjections. Snap Projections Inc. (“SnapProjections”, “we”, “us” and terms of similar meaning) provides this website and the services provided by or through this website to you subject to these terms and conditions of use (these “Terms”).

In these terms we call this website, any successor websites (together, the “Website”) and the software we provide the “Application”. We refer to the services provided by the Application as the “Services”.

Please read these Terms carefully before using the Services. By accessing or using the Services you agree to be legally bound by these Terms and all terms, policies and guidelines incorporated by reference in these Terms. If you do not agree with these Terms in their entirety, you may not use the Services.

You must be a human to use the Services. Accounts registered by “bots” or other automated methods are not permitted.

The Services are not intended to be used by children. You must be at least of the age of majority to use the Services.

The Services are for professionals only and are not intended to be used by consumers for individual or personal use. You must be a licensed financial advisor, insurance advisor, portfolio manager, financial planner, and/or an accountant to use the Services.

In these Terms, our customers and the persons to whom they give “Staff” access to their SnapProjections account are called “Subscribers”, and our customers’ customers who use the Services (for example, to view their financial projections) are called “Customers”. In these Terms users of the Services, whether they are Subscribers, Customers, people who post comments on the SnapProjections blog, or casual browsers of the Website, are called “Users”.

SnapProjections reserves the right to change or modify any of the terms and conditions contained in these Terms, or any policy or guideline applicable to the Services, at any time and in its sole discretion. If we do so, we will notify you at the email address you provide in your registration information, in the event of a material change, or we will post a notice in the Application visible to you the next time you access the Application. If you do not agree with the changes, you can cancel your account with us without further obligation, except for the amount due for the balance of the billing period in which you cancel your account (for example, if your billing period is monthly, we will prorate the balance of your account to the nearest month-end after cancellation). Unless otherwise specified, any changes or modifications will be effective immediately upon posting of the revisions on the Website, and your continued use of the Services after such time will constitute your acceptance of such changes or modifications. You should from time to time review the Terms and any policies and documents incorporated in them to understand the terms and conditions that apply to your use of the Services. The Terms will always show the ‘last updated’ date at the bottom. If you do not agree to any amended Terms, you must stop using the Services. If you have any questions about the Terms, please email us at support(at)snapprojections.com.

The Services are for your own use only. You may not resell, lease or provide them in any other way to anyone else, except as expressly permitted through the Application.

1. Privacy Policy.

Please refer to SnapProjections’ privacy policy, available at (the “Privacy Policy”) for information on how SnapProjections collects, uses and discloses personally identifiable information from its Users. By using the Services you agree to our use, collection and disclosure of personally identifiable information in accordance with the Privacy Policy.

2. Registration Data and Account Security.

If you register for an account on the Services, you agree to (a) provide accurate, current and complete information as may be prompted by any registration forms on the Services (“Registration Data”); (b) maintain the security of your password; (c) maintain the confidentiality of your password (a password may not be shared with any other individual); (d) maintain and promptly update the Registration Data, and any other information you provide to SnapProjections, and to keep it accurate, current and complete; and (e) accept all risks of unauthorized access to the Registration Data and any other information you provide to SnapProjections. You are responsible for all activity on your SnapProjections account, and for all charges incurred by your SnapProjections account.

3. Fees, Charges and Taxes.

Fees and any other charges for the use of the Application are described on the Website. They may change from time to time. If we change them, we will give you at least 30 days’ notice. If they do change, your continued use of the Application, as the case may be, after the change indicates your agreement with the new fees and charges after the effective date of the change. Any change to fees and other charges will not be applicable to the billing period in which the change occurs.

You are responsible for all taxes applicable to the fees and charges in any applicable jurisdiction.

4. Ownership, Copyright and Trademarks.

In these Terms the content available through the Services, including all information, data, logos, marks, designs, graphics, pictures, sound files, other files, and their selection and arrangement, is called “Content”. Content provided by Users, whether they are Subscribers, Customers or other Users, is called “User Content”. For example, data about the Customers and about their financial situation that a Subscriber provides to the Services is User Content of that Subscriber, data about its financial information that a Customer provides to the Services is User Content of that Customer, and Content that a User enters as a comment on the SnapProjections blog is User Content of the User.

User Content is that User’s property. SnapProjections’ only right to that User Content is the limited licenses to it granted in these Terms. Those licenses are described in Section 5 and Section 16 of these Terms.

Other than the User Content, the Services, all Content and all software available on the Services or used to create and operate the Services is the property of SnapProjections or its licensors, and is protected by Canadian and international copyright laws, and all rights to the Services, such Content and such software are expressly reserved. All trademarks, registered trademarks, product names and company names or logos mentioned in the Services are the property of their respective owners. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by SnapProjections.

Your User Content is your responsibility. We have no responsibility or liability for it, or for any loss or damage your User Content may cause to you or other people. Although we have no obligation to do so, we have the absolute discretion to remove, screen or edit without notice any User Content posted or stored on the Services, and we may do this at any time and for any reason. You are solely responsible for maintaining copies of and replacing any User Content you post or store on the Services. If you authorize third parties to access your User Content through the Services, you agree that we are permitted to provide to them the User Content, and also agree that we have no responsibility or liability for their use of such User Content.

5. Your Limited License of Your User Content to SnapProjections.

We do not claim any ownership interest in your User Content, but we do need the right to use your User Content to the extent necessary to operate the Website and provide the Services, now and in the future. For example, if you leave comments on the SnapProjections blog, we need your license to display that User Content on the Services, and we need the right to sublicense that User Content to our other Users so that they can view that User Content. If you are a Subscriber and enter financial information in relation to a Customer and update your account to generate financial projections data for your Customers, we need your license to that User Content to use it in the operation of the Services, and we need the right to sublicense that User Content to your Customers for that purpose.

Therefore, by posting or distributing User Content to or through the Services, you (a) grant SnapProjections and its affiliates and subsidiaries a non-exclusive, royalty-free, transferable right to use, display, perform, reproduce, distribute, publish, modify, adapt, translate, and create derivative works from such User Content, in the manner in and for the purposes for which the Services from time to time use such User Content; (b) represent and warrant that (i) you own and control all of the rights to the User Content that you post or otherwise distribute, or you otherwise have the lawful right to post and distribute that User Content, to or through the Services; and (ii) the use and posting or other transmission of such User Content does not violate these Terms and will not violate any rights of or cause injury to any person or entity.

If your User Content is intended for the use of other Users (for example, if you develop financial projections for Customers or authorize third parties to access your User Content), you also grant us and our affiliates and subsidiaries a non-exclusive, royalty-free, transferable right to sublicense such User Content to such Users for their use in connection with their use of the Services, as described in Section 5 of these Terms.

These licenses from you are non-exclusive because you have the right to use your User Content elsewhere. They are royalty-free because we are not required to pay you for the use of your User Content on the Services. And they are transferable because we need the right to transfer these licenses to any successor operator of the Services. Our rights to “modify, adapt, translate, and create derivative works from” are necessary because the normal operation of the Services does this to your User Content when it processes it for use in the Services.

6. Our Limited License of Content to You.

SnapProjections grants you a limited, revocable, non-exclusive, non-sublicensable license to access the Services and to view, copy and print the portions of the Content available to you through the Services. Such license is subject to these Terms, and specifically conditioned upon the following: (i) you may only view, copy and print such portions of the Content for your own use; (ii) you may not modify or otherwise make derivative works of the Content, or reproduce, distribute or display the Content except as expressly permitted in these Terms; (iii) you may not remove or modify any copyright, trademark, or other proprietary notices that have been placed in the Content; (iv) you may not use any data mining, robots or similar data gathering or extraction methods; (v) you may not access the Services if you are a direct competitor to SnapProjections, except with our prior written consent. In addition, you may not access the Services for purposes of monitoring their availability, performance or functionality, or for any other benchmarking or competitive purposes; and (vi) you may not use the Services or the Content other than for their intended purpose.

Except as expressly permitted above, any use of any portion of the Content without the prior written permission of its owner is strictly prohibited and will terminate the license granted in this Section, this Agreement and your account with us. Any such unauthorized use may also violate applicable laws, including without limitation copyright and trademark laws. Unless explicitly stated herein, nothing in these Terms may be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise. The license in this Section is revocable by SnapProjections at any time.

You represent and warrant that your use of the Services and the Content will be consistent with this license and will not infringe or violate the rights of any other party or breach any contract or legal duty to any other parties, or violate any applicable law.

To request permission for uses of Content not included in this license, you may contact SnapProjections at the address set out at the bottom of these Terms.

7. Use of the Services.

The Services may include blog, bulletin boards, review services or other forums in which you or third parties may post reviews or other content, messages, materials or other items on the Services (“Interactive Areas”). If SnapProjections provides such Interactive Areas, you are solely responsible for your use of such Interactive Areas and use them at your own risk. User Content submitted to any public area of the Services will be considered non-confidential. You agree not to post, upload to, transmit, distribute, store, create or otherwise publish through the Services any of the following:

  • Any message, data, information, text, music, sound, photos, graphics, code or other material that is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory, fraudulent or otherwise objectionable;
  • Content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, national or international law;
  • Content that may infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party;
  • Content that impersonates any person or entity or otherwise misrepresents your affiliation with a person or entity;
  • Unsolicited promotions, political campaigning, advertising or solicitations;
  • Private information of any third party, including, without limitation, addresses, phone numbers, email addresses and credit card numbers, unless that third party has expressly consented to such use;
  • Viruses, corrupted data or other harmful, disruptive or destructive files;
  • Content that is unrelated to the topic of the Interactive Area(s) in which such Content is posted; or
  • Content that, in the sole judgment of SnapProjections, is objectionable or which restricts or inhibits any other person from using or enjoying the Interactive Areas or the Services, or which may expose SnapProjections or its affiliates or its Users to any harm or liability of any type.

Snap Projections will not tolerate behaviour that resembles spam: you may not use the Interactive Areas or the Services to send commercial or other messages to any third-party if those messages are not solicited, authorized or welcomed by the third-party, and in your use of the Services you must comply with all applicable laws, including laws that apply in any jurisdiction to spam and marketing practices, and with any applicable marketing association guidelines on ethical marketing practices.

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

8. Providing a Reliable and Secure Service.

We take reliability and security of the Services seriously. We put a great deal of effort into ensuring that our service operates at high availability, and that it is a secure environment for your data. We use what we believe to be industry standard cloud services, security technologies and security practices that we believe provide you with a secure and safe environment. For example:

Data Security. We encrypt data at rest and in transit for all of our customers. As part of our commitment to security, we align ourselves with the requirements, controls and practices of Service Organization Controls 2 (SOC 2) standard.

Infrastructure Security. We use Amazon Web Services to host our application. We deploy our application on AWS managed services but we do not directly manage servers or EC2 instances in production. We use the security products embedded within the AWS ecosystem, including KMS, GuardDuty, and Inspector.

Application Security. We regularly scan our source code for vulnerabilities and follow secure development practices to keep our source code and application secure.

However, no system is perfectly secure or reliable, including the Internet, and the reliability of hosting services, Internet intermediaries, your Internet service provider, and other service providers cannot be assured. When you use SnapProjections, you accept these risks, and the responsibility for choosing to use a technology that does not provide perfect security or reliability.

9. No Responsibility for Third-Party Services, Websites or Content.

As a service to our users, the Website may contain links to third party Web sites (“Third-Party Websites”) or third-party content (“Third-Party Content”) and may provide third-party services (“Third-Party Services”), including payment processors and other intermediaries that you may use in connection with your use of the Services. You use Third-Party Websites, Third-Party Content (together, the “Third Party Materials”) or Third-Party Services at your own risk.

SnapProjections makes no claim or representation regarding Third-Party Materials and Third-Party Services, and provides them or links to them only as a convenience. Inclusion in the Services of Third-Party Materials does not imply SnapProjections’ endorsement, adoption or sponsorship of, or affiliation with, such Third-Party Materials. SnapProjections accepts no responsibility for reviewing changes or updates to, or the quality, content, policies, nature or reliability of Third-Party Materials, or Web sites linking to the Services. When you leave the Services, our terms and policies no longer govern, and when you use Third-Party Services their terms and policies apply. You should review applicable terms and policies, including privacy and data gathering practices, of any Third-Party Materials and Third-Party Services, and should make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any third party.

10. Advertisements and Promotions.

SnapProjections may run advertisements and promotions from third parties on the Services. Your business dealings or correspondence with, or participation in promotions of, advertisers other than SnapProjections, and any terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party. SnapProjections is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of third-party advertisers on the Services.

11. Warranty Disclaimer.

The Website, the Content and the Services are provided to you on an “as is” basis without warranties from SnapProjections of any kind, either express or implied. SnapProjections expressly disclaims all other warranties, express or implied, including without limitation implied warranties of financial accuracy, fitness for a particular purpose, title and non-infringement. SnapProjections does not represent or warrant that Website, the Content or the Services are accurate, complete, reliable, current or error-free.

While SnapProjections attempts to make your access to and use of the Services safe, SnapProjections does not represent or warrant that the Website, the Content or the Services are free of viruses or other harmful components.

12. Limitation of Liability and Indemnity.

You waive and shall not assert any claims or allegations of any nature whatsoever against SnapProjections, its affiliates or subsidiaries, their sponsors, contractors, advertisers, vendors or other partners, any of their successors or assigns, or any of their respective officers, directors, agents or employees (collectively, the “Released Parties”) arising out of or in any way relating to your use of the Website, the Content or the Services, including, without limitation, any claims or allegations relating to infringement of proprietary rights, or allegations that any Released Party has or should indemnify, defend or hold harmless you or any third party from any claim or allegation arising from your use or other exploitation of the Website, the Content or the Services. You use the Website, the Content and the Services at your own risk.

Without limitation of the foregoing, neither SnapProjections nor any other Released Party shall be liable for any direct, special, indirect or consequential damages, or any other damages of any kind, including but not limited to loss of use, loss of profits or loss of data, whether in an action in contract, tort (including but not limited to negligence) or otherwise, arising out of or in any way connected with the use of or inability to use the Website, the Content or the Services, including without limitation any damages caused by or resulting from your reliance on the Website, the Content or the Services or other information obtained from SnapProjections or any other Released Party or accessible via the Website, the Content or the Services, or that result from mistakes, errors, omissions, interruptions, deletion of files, records or email, defects, viruses, delays in operation or transmission or any failure of performance, whether or not resulting from acts of god, communications failure, theft, destruction or unauthorized access to SnapProjections or any other Released Party’s records, programs or services.

In no event shall the aggregate liability of SnapProjections, whether in contract, warranty, tort (including negligence, whether active, passive or imputed), product liability, strict liability or other theory, arising out of or relating to the use of the Website, the Content or the Services exceed any compensation paid by you for access to or use of the Website, the Content or the Services, as the case may be, during the three months prior to the date of any claim.

You shall defend, indemnify and hold harmless SnapProjections and the other Released Parties from any loss, damages, liabilities, costs, expenses, claims and proceedings arising out of your use of the Website, the Content and the Services, and if you are a Subscriber, from your Customers’ use of the Services and from the use of the Website, the Content and the Services by any person to whom you give access to your account (including Staff), including any claims made by any person that any of your, and if you are a Subscriber, your Customers’, User Content infringes the rights, including the intellectual property rights, of any third party.

13. Communications.

Notices that we give you (other than notice of amendment of these Terms, which is discussed in the introduction of these Terms) may be provided in any number of ways, depending on the circumstances. For example, we may email you or telephone you at the contact information you provide in your Registration Data. Or we may post a notice to Subscribers and Customers in the dashboard area of your account on the Website, or post the notice elsewhere on the Website. When we post notices on the Website, we post them in the area of the Website suitable to the notice. It is your responsibility to periodically review the Website for notices.

Subject to the Privacy Policy, if you send to SnapProjections or post on the Website in any public area any information, ideas, inventions, concepts, techniques or know-how (“User Submissions”), for any purpose, including the developing, manufacturing and/or marketing or products or services incorporating such information, you acknowledge that SnapProjections can use the User Submissions without acknowledgement or compensation to you, and you waive any claim of ownership or compensation or other rights you may have in relation to the User Submissions. We actively review User Submissions for new ideas. If you wish to preserve any interest you might have in your User Submissions, you should not post them to the Website or send them to us.

14. Applicable Law.

The Services are controlled by SnapProjections and operated by it from its offices in Mississauga, Ontario. You and SnapProjections both benefit from establishing a predictable legal environment in regard to the Services. Therefore, you and SnapProjections explicitly agree that all disputes, claims or other matters arising from or relating to your use of the Website, the Content or the Services will be governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

Except where prohibited by applicable law, any claim, dispute or controversy (whether in contract or tort, pursuant to statute or regulation, or otherwise, and whether preexisting, present or future) involving SnapProjections and arising out of or relating to (a) these Terms; (b) the Website, the Content or the Services; (c) oral or written statements, advertisements or promotions relating to these Terms or to the Website, the Content or the Services; or (d) the relationships that result from these Terms or the Website, the Content or the Services (collectively, a “Claim”), will be referred to and determined by a sole arbitrator (to the exclusion of the courts). Except where prohibited by applicable law, you waive any right you may have to commence or participate in any class action against SnapProjections related to any Claim and, where applicable, you also agree to opt out of any class proceedings against SnapProjections. If you have a Claim, you should give written notice to arbitrate at the address specified below. If we have a Claim, we will give you notice to arbitrate at your address provided in your Registration Data. Arbitration will be conducted by one arbitrator pursuant to the commercial arbitration laws and rules in effect on the date of the notice in the Province of Ontario.

To the extent arbitration as described in the immediately preceding paragraph is prohibited by applicable law, you agree that all Claims will be heard and resolved in a court of competent subject matter jurisdiction located in Mississauga, Ontario. You consent to the personal jurisdiction of such courts over you, stipulate to the fairness and convenience of proceeding in such courts, and covenant not to assert any objection to proceeding in such courts.

If you choose to access the Services from locations other than Ontario, you will be responsible for compliance with all local laws of such other jurisdiction and you agree to indemnify SnapProjections and the other Released Parties for your failure to comply with any such laws.

15. Termination and Modification of License and Website Offering.

Notwithstanding any provision of these Terms, SnapProjections reserves the exclusive right, without notice and in its sole discretion, without any notice or liability to you (at law or otherwise), to (a) terminate your license to use the Services, or any portion thereof and the rights of any third party to which you have granted access to your User Content; (b) block or prevent your future access to and use of all or any portion of the Services or Content and the rights of any third party to which you have granted access to your User Content; (c) change, suspend or discontinue any aspect of the Services or Content; and (d) impose limits on the Services or Content.

16. Termination of Agreement.

If your trial or free account is inactive for at least three months, we may deactivate your account. Deactivated accounts are not deleted. They are placed in storage and can be restored. We will notify you by email if we decide to deactivate your account. If you know in advance that your account will be inactive at some time and don’t want us to deactivate it, let us know in advance at support(at)snapprojections.com. If after your account has been deactivated it stays inactive and we don’t hear from you, we may terminate it at any time and without notice.

You and SnapProjections may terminate your use of the Services including your agreement to these Terms at any time. If you terminate your use of the Services you must pay the fees applicable for the balance of the then current billing period (if your billing period is monthly, we will prorate your account to the nearest month-end after termination). When your SnapProjections account is terminated, your User Content will, shortly thereafter, not appear on the Services, except for User Content submitted to public areas of the Website such as the blog, which may remain on the Website after termination. We may also retain an archival copy of your User Content after termination, and you hereby grant us a non-exclusive, perpetual, irrevocable license to maintain such archival copy for our internal business purposes.

If these Terms expire or terminate for any reason, Sections 4, 8, 9, 11, 12, 14, 16 and 17, and any representation or warranty you make in these Terms, shall survive indefinitely.


17. Miscellaneous.

If any provision of these Terms shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions. SnapProjections may assign any or all of its rights hereunder to any party without your consent. You are not permitted to assign any of your rights or obligations hereunder without the prior written consent of SnapProjections, and any such attempted assignment will be void and unenforceable. These Terms constitute the entire agreement between you and SnapProjections regarding your use of the Website, the Content and the Services, and supersede all prior or contemporaneous communications whether electronic, oral or written between you and SnapProjections regarding your use of them. The parties confirm that it is their wish that these Terms, as well as any other documents relating to this Terms, including notices, have been and shall be drawn up in the English language only. Les parties reconnaissent avoir convenue que la présente convention ainsi que tous documents, avis et procédures judiciaires qui pourront être exécutés, donnés ou intentées à la suite des présentes ou ayant un rapport, direct ou indirect, avec la présente convention soient rédigée en anglais.


If you have any questions regarding these Terms or your use of the Services, please contact us at:

Snap Projections, 100-4310 Sherwoodtowne Blvd., Mississauga, ON, L4Z 4C4, Phone: 1-888-758-7977, Email: support(at)snapprojections.com.

Last Updated: April 4, 2023