Terms of Use

Last updated: April 30, 2026

Welcome to Built to Thrive©.

These Terms of Use govern your access to and use of the Built to Thrive website, guides, tools, templates, workbooks, downloads, videos, email content, and related resources.

By using this website, downloading a resource, creating an account, subscribing to emails, or purchasing a product, you agree to these Terms of Use.

If you do not agree with these terms, do not use this website or purchase, download, or access our materials.

1. Who We Are

Built to Thrive© provides educational guides, tools, templates, workbooks, videos, and resources for Canadian small business owners.

Our website is:

Home

Built to Thrive is designed to help business owners understand common responsibilities, organize information, build better habits, and prepare more effectively for conversations with qualified professionals.

2. Educational Use Only

All Built to Thrive content is provided for general educational and informational purposes only. Our materials may discuss topics such as:

business structure
recordkeeping
GST/HST awareness
expense tracking
financial routines
year-end preparation
owner payments
operations and systems
planning
strategy and transition

Built to Thrive does not provide legal, tax, accounting, bookkeeping, payroll, investment, financial, or professional advice. You should consult a qualified professional before making decisions that affect your business, taxes, filings, legal structure, payroll, investments, financing, compliance, or financial reporting.

For more detail, review our Educational Disclaimer.

3. No Professional Relationship

Your use of this website or our materials does not create a professional-client relationship. No accountant-client, lawyer-client, advisor-client, bookkeeper-client, fiduciary, or professional advisory relationship is created when you:

visit the website
read a guide
download a tool
purchase a workbook
watch a video
submit a form
subscribe to emails
contact us
use any Built to Thrive resource

4. User Responsibility

You are responsible for your own business decisions, records, filings, professional advice, and use of Built to Thrive materials.
You agree that you will not rely on Built to Thrive as a substitute for advice from a qualified professional.
You are responsible for confirming how any guide, tool, template, workbook, checklist, worksheet, explanation, or example applies to your own business and circumstances.

5. Digital Products and Downloads

Built to Thrive may offer digital products, including:

Excel workbooks
spreadsheets
templates
checklists
guides
worksheets
PDFs
videos
toolkits
digital resources
course or membership materials

Digital products are delivered electronically, usually through a download link, account access, order confirmation page, or confirmation email. You are responsible for ensuring that you provide the correct email address at checkout or signup.

If you have trouble accessing a download, visit the Support page or contact us.

6. Product Compatibility

Some Built to Thrive tools are designed for specific software, such as Microsoft Excel. Before purchasing or using a product, review the product description for file type, intended software, and compatibility notes.

Some formulas, dropdowns, tables, formatting, or workbook features may not work the same way in:

Google Sheets
Apple Numbers
older versions of Excel
mobile spreadsheet apps
browser-only spreadsheet viewers

We do not guarantee that every file will work with every device, operating system, software version, or third-party application.

7. Refunds

Refunds are governed by our Refund Policy. Because most Built to Thrive products are digital and are delivered electronically, downloaded or accessed digital products are generally non-refundable.

Refunds may be considered in limited situations, such as duplicate charges, technical access problems caused by our systems, defective files that cannot be replaced, or clear order-processing errors.

Review the Refund Policy before purchasing.

8. Accounts and Login Access

If account access is enabled, you are responsible for maintaining the confidentiality of your account login details. You agree not to:

share your login credentials
allow unauthorized users to access your account
attempt to access another user’s account
interfere with website security
use the website in a way that could damage, disable, or impair the website

We may suspend or terminate account access if we believe an account is being misused, shared improperly, used for unauthorized access, or used in violation of these Terms.

9. Permitted Use of Materials

Unless otherwise stated, Built to Thrive materials are provided for your own personal, educational, or internal business use. You may use purchased or downloaded resources to support your own business learning, organization, recordkeeping, planning, and preparation.

You may not:

resell Built to Thrive materials
redistribute them publicly
upload them to another website
share paid files with others
copy or reproduce them for commercial distribution
remove copyright notices
claim the materials as your own
use them to create competing products
sell services based directly on reproducing our tools or templates without permission

If you want to use Built to Thrive materials for teaching, consulting, client work, licensing, group training, or organizational use, contact us for permission.

10. Intellectual Property

All content on this website and in Built to Thrive resources is owned by Built to Thrive or its licensors unless otherwise stated. This includes:

text
guides
templates
spreadsheets
workbooks
worksheets
checklists
videos
graphics
diagrams
frameworks
page layouts
product descriptions
branding
logos
downloadable files

The Built to Thrive name, framework, materials, and related content may not be copied, modified, distributed, sold, or used commercially without written permission.

11. User Submissions

If you submit information through forms, comments, emails, surveys, assessments, or other website features, you are responsible for the accuracy and legality of what you submit. You agree not to submit content that is:

unlawful
misleading
abusive
defamatory
spam
malicious
infringing
confidential information you do not have permission to share
harmful to the website or other users

We may remove or ignore submissions that violate these Terms or appear inappropriate, harmful, or irrelevant.

12. Email Communications

If you subscribe to our email list, download a resource, create an account, or make a purchase, we may send you emails related to your subscription, downloads, purchases, account, or Built to Thrive resources. Marketing or educational emails will include a way to unsubscribe.

You may still receive transactional or administrative emails related to orders, downloads, account access, security, or required notices.

13. Third-Party Links and Embedded Content

The website may include links to third-party websites, platforms, videos, tools, resources, payment processors, form tools, or embedded content.
These may include services such as YouTube, payment processors, email platforms, analytics tools, or other external resources.
We do not control third-party websites or platforms and are not responsible for their content, privacy practices, security, accuracy, availability, or terms.
Your use of third-party websites or services is governed by their own terms and policies.

14. Website Availability

We aim to keep the website and resources available, but we do not guarantee uninterrupted access. The website or specific resources may be unavailable because of:

maintenance
hosting issues
software updates
plugin conflicts
third-party service interruptions
security issues
technical errors
events outside our control

We may change, suspend, remove, or discontinue any part of the website or any resource at any time.

15. Changes to Products and Content

Built to Thrive materials may be updated, revised, replaced, or discontinued over time. We may update product descriptions, guides, tools, workbooks, pricing, page content, links, videos, and resources without notice.

Unless a product page states otherwise, purchasing a product does not guarantee lifetime updates, ongoing support, customization, or future versions.

16. No Guarantee of Results

Built to Thrive does not guarantee any specific outcome. Using our materials does not guarantee:

reduced taxes
CRA acceptance of deductions
correct tax filings
legal compliance
lower accounting fees
improved profitability
better cash flow
business growth
financing approval
successful incorporation
successful year-end preparation
audit protection
any particular business result

Your results depend on your circumstances, records, decisions, execution, professional advice, and external factors.

17. Limitation of Liability

To the maximum extent permitted by law, Built to Thrive and its owners, contributors, contractors, affiliates, and service providers will not be liable for any loss, damage, cost, claim, or expense arising from your use of the website or materials. This includes, without limitation:

business losses
tax reassessments
penalties or interest
legal issues
accounting errors
filing mistakes
lost profits
lost revenue
lost data
software incompatibility
reliance on educational materials
decisions made based on guides, tools, templates, videos, or examples
inability to access the website or downloads
third-party platform errors

You use the website and materials at your own risk.

18. Indemnity

You agree to indemnify and hold harmless Built to Thrive and its owners, contributors, contractors, affiliates, and service providers from claims, losses, damages, liabilities, costs, and expenses arising from:

your use of the website or materials
your violation of these Terms
your misuse of downloads, templates, tools, or workbooks
your infringement of intellectual property rights
your submissions to the website
your business decisions or filings
your breach of applicable law

19. Privacy

Your use of the website is also governed by our Privacy Policy. The Privacy Policy explains how we collect, use, store, and protect personal information.

By using the website, you agree to the collection and use of information as described in the Privacy Policy.

20. Accessibility

We aim to make our website and resources as accessible and usable as reasonably possible. Some downloadable files, spreadsheets, embedded content, or third-party tools may not be fully accessible to all users or all assistive technologies.

For more detail, review our Accessibility Statement.

21. Governing Law

These Terms of Use are governed by the laws of the Province of Ontario and the applicable laws of Canada.

Any disputes related to these Terms, the website, or Built to Thrive materials will be handled in the courts located in Ontario, unless applicable law requires otherwise.

22. Changes to These Terms

We may update these Terms of Use from time to time.
When we update this page, we will revise the “Last updated” date at the top.
Your continued use of the website after changes are posted means you accept the updated Terms.

23. Contact

For questions about these Terms of Use, contact: