Terms & Conditions

1. Introduction

1.1 These terms and conditions, referred to as the “Terms of Use,” govern all access to and using of this website. You accept these Terms of Use by using this website and by accessing it. You are not authorized to access or use this website, and you should stop doing so right once if you disagree with these terms of use.

1.2  If you breach any provision of these Terms of Use then your right to access and use this Website will immediately cease.

1.3 Only residents of Canada who are at least 18 years old are permitted to use this website. Please be aware that this website is constantly updated with new products, price references, and product descriptions. Products could be discontinued at any time and without prior warning.

1.4 We encourage you to review these Terms of Use whenever you use this website since we reserve the right to make changes at any time. The day the revised Terms of Use are published on this website will mark their implementation. You will be deemed to have accepted the updated Terms of Use if you keep using this website.

2. Privacy Policy

2.1 We are concerned about your privacy. To learn how we utilize the information you give us, please visit our privacy policy. Our Privacy Policy’s terms apply to you at all times when using our website.

3. Third party products

3.1 Through this website, you can apply for a variety of products. We do not provide these products; instead, third parties over whom we have no authority do so. Prior to purchasing any thing, it is your responsibility to ensure that you want it. You should review the pertinent product documents before deciding whether or not to buy a product. The fact that a product is included on our website does not mean that we support the provider, the product, the information on the provider’s website, or the provider’s actions.

3.2 All product prices are quoted in Canadian dollars.

3.3 We disclaim all liability for any loss or harm that you or any third party may experience as a result of utilizing any product that you purchase through this website, as well as for any mistakes, acts, or defaults made by third parties in relation to such product.

3.4 Statements about the conditions of the items, including their characteristics and inclusions, are made on this website. To provide you with an overview of the products under comparison, some of these comments have been generalized. But not all things are created equal, so before you buy anything, be sure you understand the specific terms of any product you plan to buy. The website’s product information is restricted to residents of Canada only.

3.5 You can make an offer to purchase a product from a third-party source by providing your personal information through this website. You can choose to accept or reject the offer. Only after the applicable third party provider has accepted your offer will the product deal be finalized. The product will be delivered to you in accordance with the terms and conditions set forth by the third party provider if your offer is approved. If your offer is accepted, written confirmation will be sent to you.

4. Permitted use

4.1 As long as you abide by these Terms of Use, you may only use this website for personal purposes. Using this website for commercial purposes is strictly forbidden.

4.2 You are not permitted to do anything that may affect the security of this Website or any information or material stored within it.

4.3 You agree not to:

(a) access, copy, or extract such information using any automated tool (such as a spider, robot, or aggregation tool)

(b) copy or disclose any content from the Website to any person, except as provided by these Terms of Use;

(c) obtain, process, copy, replicate, distribute, reconfigure, republish, view, evaluate, analyze, modify, or repackage any content from this website

(d) use any method or process to consolidate or combine any content from this website with any other content, data, information, images, or material;

(e) reverse engineer, disassemble, or otherwise attempt to construct or identify this website’s source code, formulas, or processes;

(f) use systematic, repetitive, or any other methodology of obtaining, processing, copying.

4.4 You are not permitted to use this Website in any unlawful or fraudulent manner.

4.5 You agree that if you provide any information on this Website, that information will be true, accurate and complete.

5. No advice

5.1 harmonystudies doesn’t provide investing, financial, or other advice. Nothing on this website should be interpreted as our financial, investing, or other advice regarding any particular product.

5.2 Although harmonystudies is not able to bind any third party provider or guarantee that any third party provider sells you a product, this website is meant to be used for research and comparison reasons. Consequently, nothing on this website constitutes an offer from us or any third-party supplier to do any of the following: (a) sell you any product; or (b) enter into a contract.

6. Intellectual property rights

6.1 The term or mark “harmonystudies,” as it may be rendered, along with all related logos and symbols and any word or mark combinations, are trademarks of harmonystudies or one of its affiliated firms.

6.2 harmonystudies is the owner of all intellectual property rights in any information or content available on this website, or it has been granted us a permission to use it for our own purposes.

6.3 The trademarks on this website may only be used fairly; you may not use them to:

(a) identify or imply endorsement of goods or services to which they do not relate;

(b) in a way that is likely to cause confusion or harm harmonystudies’ reputation; or

(c) as part of your own marks.

6.4 No intellectual property rights of harmonystudies or our licensors related to this website (including any content or material displayed on this website) may be used, copied, published, or distributed by you without our prior written consent, unless otherwise specified in these Terms of Use.

7. Exclusions of liability

7.1 We provide you with this website, its material, and its services strictly “as is,” with no implicit or expressed warranties as to its suitability for any purpose, its dependability, timeliness, correctness, completeness, security, or error-free nature.

7.2 While we make every effort to ensure that the information on this website is accurate, you access it at your own risk and take any action based on information you find there. We do not assume any liability for any losses you may incur as a consequence.

7.3 We provide no guarantees that the website is free of viruses or other elements that could damage any type of technology.

7.4 While we strive to offer continuous access to our website, we make no guarantees on its continuous availability. We keep the right to revoke, limit, or stop your use of our website whenever we see fit.

7.5 Whether arising from contract, negligence, tort, or otherwise, we shall not be liable for any loss of use, profits, or data, or for any indirect, special, or consequential damages or losses with regard to:

(a) your use, reliance upon, or inability to use this Website or content;

(b) the deletion of any of your data or information stored on this Website, with or without notice or cause; (c) any loss of your content or communications resulting from delays, non-deliveries, missed deliveries, service interruptions, or a failure, suspension, or withdrawal of all or part of this Website at any time;

(d) the removal from this Website of any content or communications sent or posted by you on or via this

(e) any event beyond our reasonable control; and

(f) any loss or damage that we did not directly cause or that we did not reasonably anticipate when we signed our contract with you.

7.6 Nothing in these Terms of Use is meant to limit or exclude our responsibility for fraud, death, personal injury, or any other liability that we are not legally permitted to limit or exclude.

8. Indemnity


You accept full responsibility for compensating us, our directors, employees, agents, and contractors for any damages or losses resulting from your use of this website or from your violation of these terms of use.

9. Contact us

9.1 This website contains a lot of links. These could direct you to other websites. These links are meant to give you quick access to additional information that you might require before making a purchase. Under no circumstances do we guarantee the veracity of any material found on other websites. We disclaim all responsibility for any harm, loss, expense, or cost you sustain from visiting or attempting to visit a third-party website.

10. General

10.1 Should any portion of these Terms of Use be found to be legally invalid or unenforceable, the remaining terms will remain unchanged and the invalid or unenforceable portion will be replaced with a valid and enforceable provision that most closely reflects the original meaning.

10.2 If either of us fails to enforce the rights provided under these Terms of Use, you or we shall not be barred from taking any further action.

10.3 These Terms of Use replace all previous agreements (including any previous terms of use of this Website) and constitute the entire agreement between you and us pertaining to your access to and use of this Website.

Acceptance of Terms

By accessing and using the Service, you accept and agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Service.

Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms. We encourage you to review the Terms periodically for updates.

Use of Service

The Service is provided to you for your personal and non-commercial use only. You agree not to use the Service for any purpose that is unlawful or prohibited by these Terms.

Intellectual Property

The Service, including but not limited to text, graphics, images, software, and other material contained on the Service, is the property of Covermyrisks or its licensors and is protected by copyright and intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, transmit, or otherwise exploit any content on the Service without the express written permission of covermyrisks.com

User Conduct

You agree not to use the Service to:

  • Upload, post, email, or otherwise transmit any images that are illegal, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically, or otherwise objectionable.
  • Harm minors in any way.
  • Impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity.
  • Upload, post, email, or otherwise transmit any content that you do not have a right to transmit under any law or under contractual or fiduciary relationships.
  • Upload, post, email, or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation.
  • Upload, post, email, or otherwise transmit any material that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment.

Disclaimer of Warranties

The Service is provided on an “AS IS” and “AS AVAILABLE” basis. covermyrisks.com makes no representations or warranties of any kind, express or implied, as to the operation of the Service or the information, content, materials, or products included on the Service. You expressly agree that your use of the Service is at your sole risk.

Limitation of Liability

Covermyrisks.com shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages resulting from your use of the Service or for any other claim related in any way to your use of the Service.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Covermyrisks.com operates, without giving effect to any principles of conflicts of law.