Terms of UseTerms of Use (Last updated: 2025-09-08)Acceptance
By using carterhiles.com (the “Site”), you agree to these Terms.Informational only—no advice
All content/resources are for educational/informational purposes only. They are not financial, legal, or professional advice, and no client/advisor relationship is created.No confidentiality
Do not submit sensitive or confidential information. Submissions via the Site are treated as non-confidential.Intellectual property & limited license
All Site content is owned by the Site operator unless stated otherwise. You may view/download for personal, non-commercial use only. No copying, redistribution, mirroring, scraping, or derivative works without prior written permission unless a resource explicitly allows it.Acceptable use
You will not: (a) use the Site unlawfully; (b) infringe IP, privacy, or publicity rights; (c) scrape or automate high-volume requests; (d) introduce malware or disrupt operation; (e) bypass access controls.Third-party links
Links are provided as a convenience and do not imply endorsement. The operator does not control or guarantee third-party content, availability, or updates and is not responsible for any loss arising from their use.Non-affiliation statement
The Site is an independent informational resource. References to any person or organization are for identification only and do not imply association, partnership, sponsorship, or endorsement.Accessibility
The Site is provided “as is” and may not be fully compatible with all assistive technologies. If you require an alternative format, use the Site’s contact form; reasonable efforts will be made to assist. Nothing here limits rights that cannot be limited by law.Feedback
If you provide ideas or suggestions, you grant a perpetual, worldwide, royalty-free license to use them without obligation.No warranties
The Site and all content are provided “as is,” with no warranties (including accuracy, completeness, fitness for a particular purpose, or availability).Limitation of liability
To the fullest extent permitted by law, the operator disclaims liability for any indirect, incidental, consequential, special, exemplary, or punitive damages. The total aggregate liability for any claim relating to the Site is capped at CAD $10.Dispute resolution—binding arbitration (no court)
Any dispute, claim, or controversy arising out of or relating to the Site or these Terms shall be resolved by final and binding individual arbitration under the Arbitration Act (Alberta). Seat: Calgary, Alberta. Language: English. One arbitrator. Rules: as administered by a recognized arbitral institution. No class, collective, or representative actions. The arbitrator may grant any relief available in court (including injunctive relief). Court proceedings are permitted only to (i) appoint an arbitrator, (ii) enforce or set aside an award, or (iii) seek urgent interim relief in aid of arbitration.Limitation period
Any claim must be filed within one (1) year after it accrues or be permanently barred.Changes
These Terms may be updated by posting a revised version with a new “Last updated” date. Continued use after posting constitutes acceptance. The operator may change or discontinue Site content at any time without updating these Terms.Miscellaneous
Severability; no waiver by inaction; assignment by the operator permitted; you may not assign without consent. These Terms are governed by the laws of Alberta, Canada. Venue for any permitted court proceeding is Alberta.Contact
Use the Site’s contact form for any questions about these Terms.
