Terms of Service
Terms and conditions for using LazyPlan
Last updated: February 18, 2026
Not Professional Financial Advice
LazyPlan is an AI-powered tool that provides general financial information and calculations. Our service does NOT constitute professional financial, investment, tax, or legal advice. Always consult with licensed financial advisors, accountants, or tax professionals before making financial decisions.
Canadian Jurisdiction
These terms are governed by the laws of British Columbia, Canada. Our calculations are based on Canadian federal and provincial tax rules and regulations.
Acceptance of Terms
By accessing and using LazyPlan ("we," "our," or "us"), you accept and agree to be bound by the terms and provision of this agreement. These Terms of Service ("Terms") constitute a legally binding agreement between you and LazyPlan regarding your use of our AI-powered financial planning service.
If you do not agree to these Terms, please do not use our service. We reserve the right to modify these Terms at any time, and your continued use of the service constitutes acceptance of any changes.
Service Description
LazyPlan provides an AI-powered financial planning tool designed specifically for Canadian users. Our service includes:
Core Features
- Tax calculation and optimization
- RRSP, TFSA, and FHSA analysis
- Retirement planning projections
- Document upload and processing
- AI chat financial assistant
- PDF report generation
Advanced Features
- CPP and OAS optimization
- Spouse joint planning
- What-if scenarios
- OAS clawback analysis
- Investment allocation recommendations
- Priority customer support
Account Responsibilities
Account Creation
- You must provide accurate and complete information when creating an account
- You are responsible for maintaining the confidentiality of your password
- You must be at least 18 years old to use our service
- One account per person or entity
Data Accuracy
- You are responsible for ensuring all financial data you provide is accurate
- Incorrect data may result in inaccurate financial projections
- You should regularly review and update your information
- LazyPlan is not responsible for decisions based on inaccurate user data
Acceptable Use
You MAY:
- Use our service for personal financial planning
- Upload your own financial documents
- Share generated reports with your advisors
- Export your data for personal records
- Provide feedback and suggestions
You MAY NOT:
- Upload others' financial documents without consent
- Attempt to reverse engineer our AI models
- Use the service for illegal activities
- Circumvent security measures or usage limits
- Redistribute or resell our service
- Upload malicious files or content
Payment and Subscriptions
Pricing Plans
- Free tier with limited features and calculations
- Paid subscriptions for full access to advanced features
- All pricing is displayed in Canadian dollars (CAD)
- Annual subscriptions offer discounts compared to monthly billing
Payment Processing
- All payments are processed securely through Stripe
- Automatic renewal unless cancelled before the next billing cycle
- Subscription fees are non-refundable except as required by law
- Price changes will be communicated 30 days in advance
Cancellation
- You may cancel your subscription at any time
- Cancellation takes effect at the end of your current billing period
- You retain access to paid features until cancellation becomes effective
- No refunds for partial periods unless required by applicable law
Intellectual Property
LazyPlan Ownership
The service, including all content, features, functionality, software, and technology, is owned by LazyPlan and protected by intellectual property laws. You may not copy, modify, distribute, or reverse engineer any part of our service.
Your Data
You retain ownership of all financial data and documents you upload. You grant us a limited license to process this data to provide our service. We will not use your personal financial data for any purpose other than providing you with our service.
Generated Reports
Financial reports generated by our service are for your personal use. You may share them with your financial advisors or use them for your own financial planning, but you may not redistribute them commercially.
Disclaimers and Limitations
No Professional Advice
LazyPlan is a technology tool that provides general financial information and calculations. It is NOT a substitute for professional financial advice. We strongly recommend consulting with licensed financial advisors, tax professionals, or accountants before making any financial decisions.
Accuracy Disclaimer
While we strive for accuracy, our calculations and projections are based on the information you provide and current tax rules. Tax laws and regulations change frequently. We cannot guarantee the accuracy of all calculations or their applicability to your specific situation.
Service Availability
We aim to provide continuous service availability but cannot guarantee 100% uptime. We may temporarily suspend the service for maintenance, updates, or due to circumstances beyond our control.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, LAZYPLAN SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THE SERVICE.
Our total liability to you for any claims related to the service shall not exceed the amount you paid for the service in the 12 months preceding the claim.
We are not liable for any financial losses resulting from your use of our recommendations, calculations, or any decisions made based on our service.
Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you.
Termination
Your Right to Terminate
You may terminate your account at any time by cancelling your subscription and deleting your account through your account settings or by contacting our support team.
Our Right to Terminate
We may suspend or terminate your account immediately if you:
- Violate these Terms of Service
- Engage in fraudulent or illegal activity
- Compromise the security or integrity of our service
- Fail to pay required fees
Effect of Termination
Upon termination, your right to use the service will cease immediately. You may request a copy of your data within 30 days of termination, after which it may be permanently deleted.
Governing Law and Jurisdiction
Canadian Law
These Terms are governed by and construed in accordance with the laws of British Columbia, Canada, and the federal laws of Canada applicable therein, without regard to conflict of law principles.
Jurisdiction
You agree to the exclusive jurisdiction of the courts of British Columbia, Canada, for the resolution of any disputes arising from these Terms or your use of the service.
Dispute Resolution
Before pursuing formal legal action, we encourage you to contact us directly to resolve any disputes. We are committed to working with you to find a fair and reasonable solution.
Changes to Terms
We reserve the right to modify these Terms of Service at any time. We will notify you of significant changes by email or through prominent notices in our service.
Changes will become effective 30 days after notification, except for changes required by law, which may become effective immediately. Your continued use of the service after changes become effective constitutes acceptance of the revised Terms.
Contact Information
If you have any questions about these Terms of Service, please contact us: