Terms of Use & Privacy Policy

Last updated: May 13, 2025 — Effective upon registration.

1. Acceptance of Terms

By creating an account on RSSUS.com, you unconditionally accept these Terms of Use and our Privacy Policy. If you do not accept these terms, please do not use our services.

2. Service Description

RSSUS.com is a Canadian tracking and accounting platform designed to help users document and track their implementation of the Smith Manoeuvre (converting mortgage debt into tax-deductible investment debt). The service includes:

• Adjusted Cost Base (ACB) tracking for investments
• HELOC deductible interest calculations
• Preparatory tax report generation
• Calculation and simulation tools

3. Disclaimer — No Financial or Tax Advice

RSSUS.com is a tracking and documentation tool. As such:

• RSSUS.com is not a registered financial advisor, investment advisor, accountant (CPA), or tax advisor.
• All information, calculations, simulations, and reports provided by RSSUS.com are for informational and educational purposes only.
• Nothing on RSSUS.com constitutes personalized financial, tax, legal, or accounting advice.
• You must consult a qualified professional (CPA, financial advisor, lawyer) before making any financial or tax decision.
• The Smith Manoeuvre involves real financial risk. Past performance does not guarantee future results.

4. Limitation of Liability

To the fullest extent permitted by applicable law:

• RSSUS.com disclaims all liability for financial losses, tax errors, CRA penalties, or any other damages resulting from use of the platform.
• RSSUS.com is not responsible for data entry errors made by the user, or for decisions made based on the data or reports generated.
• The user is solely responsible for the accuracy of the data entered into the platform and for its compliance with Canada Revenue Agency (CRA) requirements.
• RSSUS.com does not guarantee that generated reports will satisfy CRA or provincial tax authority requirements.
• RSSUS.com's total liability to any user, regardless of cause, is limited to the amount paid by that user in the preceding 12 months.

5. User Obligations

By using RSSUS.com, you agree to:

• Provide accurate and complete information during registration and use of the service.
• Maintain the confidentiality of your login credentials.
• Not use the platform for any unlawful purpose or in violation of Canadian law.
• Have all tax data reviewed by a qualified professional before submitting to the CRA.

6. Subscriptions and Payments

• Paid subscriptions are billed according to the chosen period (monthly or annually).
• Payments are processed securely through Stripe.
• Subscription fees are non-refundable, except as required by applicable provincial law.
• RSSUS.com reserves the right to modify pricing with 30 days' notice.

7. Termination

You may cancel your account at any time from your dashboard. RSSUS.com reserves the right to suspend or terminate accounts for violations of these terms.

8. Changes to Terms

RSSUS.com may update these terms at any time. Users will be notified of material changes by email or through the platform. Continued use of the service after notification constitutes acceptance of the new terms.

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Privacy Policy

Compliant with Quebec Law 25 and PIPEDA (Canada).

9. Data Collected

We collect the following information:

• Registration data: full name, email address, username, mailing address, phone number (optional).
• Financial data: HELOC transactions, investments, portfolio values, tax data entered by the user.
• Technical data: IP address, browser type, pages visited, login timestamps.

10. Use of Data

Your data is used to:

• Provide and improve RSSUS.com services.
• Generate your personalized preparatory tax reports.
• Send account-related notifications (approval, billing).
• Comply with our legal obligations.

We never sell your personal data to third parties.

11. Data Sharing

Your data may be shared with:

• Stripe: payment processing (billing data only).
• Hosting provider: secure data storage in Canada.

12. Security

We use HTTPS encryption, hashed passwords (bcrypt), and restricted access to protect your data. However, no system is foolproof and we cannot guarantee absolute security.

13. Your Rights

Under Law 25 and PIPEDA, you have the right to access, correct, or request deletion of your data. To exercise these rights, contact us at info@rssus.com.

14. Cookies

RSSUS.com uses session cookies to maintain your login, and analytics cookies (Google Analytics) to measure site traffic. You may disable cookies in your browser, which may affect service functionality.

15. Contact

For questions about these terms or our privacy policy:
RSSUS.com
Email: info@rssus.com