Last updated: February 28, 2026
Welcome to Budget & Baby Steps (the “Site”). By accessing this Site, you agree to be bound by these terms. If you do not agree with any part of these terms, please do not use the Site.
1. Financial Disclaimer
The content on Budget & Baby Steps is provided for informational and educational purposes only.
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Not Professional Advice: We are not certified financial planners, accountants, or tax professionals. The information shared on this Site does not constitute professional financial advice.
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Use at Your Own Risk: Any financial decisions made based on information read on this Site are your sole responsibility. We strongly recommend consulting with a qualified professional before making significant financial decisions.
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Accuracy: While we strive to provide accurate information, interest rates, tax laws, and financial data change rapidly. We do not guarantee the accuracy or completeness of the content.
2. Affiliate Disclosure & Advertising
In accordance with Ad Standards Canada and the FTC:
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Affiliate Links: This Site contains affiliate links (notably through the Amazon Associates program). If you click on these links and make a purchase, we may receive a small commission at no additional cost to you.
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Transparency: As an Amazon Associate, we earn from qualifying purchases. We only recommend products or services that we believe add value to our readers.
3. Intellectual Property
All content on this Site (text, logos, graphics, images) is the property of Budget & Baby Steps unless otherwise stated.
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You may share snippets or links to our articles, provided you clearly credit the Site and include a link back to the original source.
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Full or partial reproduction without prior written permission is strictly prohibited.
4. Acceptable Use
By using this Site, you agree:
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Not to post offensive, hateful, or illegal comments.
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Not to attempt to compromise the security of the Site.
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Not to use the Site to distribute spam or unsolicited promotional content.
5. Limitation of Liability
To the fullest extent permitted by the laws of the Province of Quebec and Canada, Budget & Baby Steps shall not be held liable for any direct, indirect, or consequential damages resulting from the use or inability to use the Site, or from any errors or omissions in the content.
6. Third-Party Links
Our Site contains links to external websites. We have no control over the content or privacy policies of these third-party sites and disclaim any responsibility for them.
7. Governing Law
These terms are governed by the laws of the Province of Quebec and the federal laws of Canada. Any dispute related to the use of this Site shall be subject to the exclusive jurisdiction of the courts in the judicial district where the Site’s headquarters is located.
8. Contact
If you have any questions regarding these terms, please contact us at: [email protected].