Welcome to BeWiserNow.com (“Website”). These Terms of Use (“Terms”) govern your access to and use of our Website. By using our Website, you agree to these Terms. If you disagree, please do not use our Website.

1. Acceptance of Terms
By accessing or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are using the Website on behalf of a company or other entity, you represent that you are authorized to accept these Terms on its behalf.
2. Use of the Website
- You agree to use the Website for lawful purposes only.
- You shall not use the Website to post, upload, or distribute any content that is unlawful, harmful, defamatory, or violates any third-party rights.
- You must not engage in activities that could harm or disrupt the Website’s functionality or security.
3. Intellectual Property
All content on this Website, including text, images, logos, and other materials, is the property of BeWiserNow.com or its licensors and is protected by copyright and other intellectual property laws. Unauthorized use, reproduction, or distribution of this content is prohibited.
4. User-Generated Content
If you submit or post any content to the Website:
- You grant BeWiserNow.com a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display your content in connection with the Website.
- You represent that you own the rights to the content or have the necessary permissions to post it.
5. Third-Party Links
The Website may contain links to third-party websites. These links are provided for your convenience only. BeWiserNow.com is not responsible for third-party websites’ content, accuracy, or practices.
6. Disclaimer of Warranties
The Website is provided “as is” and “as available.” BeWiserNow.com makes no warranties or representations regarding the Website’s accuracy, reliability, or availability. Your use of the Website is at your own risk.
7. Limitation of Liability
To the fullest extent permitted by law, BeWiserNow.com shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use or inability to use the Website.
8. Indemnification
You agree to indemnify and hold BeWiserNow.com, its affiliates, and its staff harmless from any claims, damages, or expenses arising from your violation of these Terms.
9. Changes to Terms
We may update these Terms from time to time. Any changes will be effective upon posting on the Website. Continued use of the Website after changes constitute your acceptance of the updated Terms.
10. Termination
We reserve the right to suspend or terminate your access to the Website at our sole discretion, without notice, for any reason, including violation of these Terms.
11. Governing Law
These Terms are governed by and construed by the laws of [Your Jurisdiction]. Any disputes arising under these Terms shall be resolved exclusively in the courts of Canada.