Terms of Use

Last Updated Date: 27-Aug-2025

Welcome to DollaReady (“App”), provided by Somethings Cooking (“we,” “our,” or “us”). These Terms of Use (“Terms”) govern your access to and use of our website, applications, calculators, tools, and services (collectively, the “Service”). By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Eligibility

  • The Service is intended for adults (18+ or the age of majority in your jurisdiction).
  • By using the Service, you represent that you meet these requirements.

2. Nature of the Service (No Financial Advice)

  • The Service provides educational tools, calculators, “What If” simulators, checklists, and general financial planning resources only.
  • Calculators, projections, readiness scores, and checklists are for informational and educational purposes only.
  • The Service does not provide personalized financial, investment, tax, legal, or accounting advice.
  • You should consult a qualified professional before making financial decisions.
  • Your use of the Service is at your own risk.

3. Accounts & Information You Provide

  • To use certain features, you must create an account and provide accurate, current, and complete information.
  • You agree to keep your login credentials secure and are responsible for all activity under your account.
  • You agree not to misrepresent your identity or use the Service for unlawful purposes.

4. Data and Privacy

  • We collect limited personal information, such as your email address, first and last name, and your avatar picture from Gmail.
  • Data is stored in Canada. By using the Service, you consent to such storage.
  • For details on how we collect, use, and protect your data, please see our Privacy Policy.

5. Use of the Service

  • You may use the Service for personal, non-commercial purposes only.
  • You agree not to:
    • Copy, modify, reverse-engineer, or distribute our software.
    • Use the Service in a way that could damage, disable, or impair it.
    • Attempt to gain unauthorized access to our systems or data.

6. Subscription Plans

  • We may offer multiple versions of the Service.
  • Prices, features, and terms of paid plans will be disclosed at the time of subscription.
  • Payments are processed through third-party providers. Refunds are subject to our Refund Policy (if applicable).

7. Assumptions and Limitations

  • The Service includes calculators, projections, readiness scores, checklists, and “What If” tools (e.g., net worth projections, savings rate, debt repayment scenarios).
  • These features are based on default and customizable assumptions, such as inflation, tax rates, investment growth, income growth, and life expectancy.
  • Checklists presented (e.g., paying off high-interest debt, increasing savings rate, disaster-proofing with insurance or emergency funds) are based on general financial planning concepts and your self-reported data.
  • These are estimates only and do not guarantee actual financial outcomes.
  • Actual results will differ due to changes in markets, personal circumstances, and other factors outside our control.

8. Intellectual Property

  • All content, software, designs, and trademarks on the Service belong to us.
  • You may not use them without prior written permission, except for personal use of the Service.

9. Third-Party Links and Content

  • The Service may include links to third-party sites (e.g., educational blogs, external resources).
  • We are not responsible for their content, accuracy, or practices.

10. Termination

  • We may suspend or terminate your access to the Service if you violate these Terms or use the Service unlawfully.
  • You may stop using the Service at any time.

11. Disclaimer of Warranties

  • The Service (including calculators, projections, and tools) is provided “as is” and “as available” without warranties of any kind, express or implied.
  • We do not warrant that the Service will be uninterrupted, error-free, or secure.

12. Limitation of Liability

  • To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Service, including reliance on calculators or projections.
  • Our total liability will not exceed the amount you paid (if any) to use the Service in the 12 months prior to the claim.
  • In no event will we or our employees be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the services, even if we have been advised of the possibility of such damages.

13. Governing Law

  • These Terms are governed by the laws of Canada, without regard to conflict-of-law rules.
  • If you access the Service from outside Canada, you are responsible for compliance with local laws.

14. Changes to Terms

  • We may update these Terms from time to time. Updates will be posted with a new “Last Updated” date.
  • Your continued use of the Service after changes means you accept the updated Terms.

15. Contact Us

  • If you have questions about these Terms, please contact us at:
Somethings Cooking
Toronto, Ontario, Canada

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