Terms of Service

Acceptance of Terms

By accessing and using Andows website and Bill-Pay Calendar tools, you agree to be bound by these Terms of Service.

Description of Service

Andows provides free bill organization tools, calendars, and templates designed to help Canadians track and manage their bill payments. Our tools are for organizational purposes only.

Use of Organization Tools

You may:

• Download and use our templates for personal organization
• Share tools with family and household members
• Modify templates to fit your bill-paying needs
• Print or use templates digitally

You may not:

• Sell or commercialize our templates
• Remove our attribution from templates
• Use our tools for illegal purposes
• Claim our templates as your own work

Educational Content Disclaimer

All content on this website is for educational and organizational purposes only and does not constitute financial advice. We do not provide payment processing or financial services.

Accuracy of Tools

While we strive for accuracy, we make no warranties about the completeness or reliability of our bill tracking templates. Users are responsible for verifying their own bill information and due dates.

Payment Responsibility

You remain solely responsible for making your bill payments on time. Our tools are organizational aids only and do not replace your obligation to pay bills or manage your finances.

Limitation of Liability

Andows is not liable for missed payments, late fees, or any financial consequences resulting from the use of our organizational tools or website.

Modifications

We reserve the right to modify these terms at any time. Continued use of our website constitutes acceptance of updated terms.

Contact Information

For questions about these terms, contact us through our website contact form.