Terms of Use
Last updated: November 10, 2026
Agreement to these terms
These Terms of Use govern your access to and use of the Marsh Hawk Digital website, products, downloads, documentation, and related services.
By accessing or using the website or purchasing or using a Marsh Hawk Digital product, you agree to these Terms. If you do not agree with them, do not use the applicable website, product, or service.
About Marsh Hawk Digital
Marsh Hawk Digital is an independent Canadian digital-products company based in Ontario.
Our products are designed to help people organize information, manage workflows, document decisions, and work through complicated personal or administrative tasks.
Our products do not provide professional advice
Marsh Hawk Digital products may help organize information relating to legal, financial, tax, estate, personal, household, or administrative matters. They are organizational tools and informational resources only.
They do not provide legal, accounting, tax, financial, medical, or other professional advice and are not a substitute for advice from a qualified professional.
You remain responsible for decisions you make and for obtaining professional advice where appropriate.
Product information and availability
We try to describe our products, features, compatibility, and requirements accurately. Products and features may change as they are improved, updated, or replaced.
We may modify, suspend, discontinue, or replace products or website features where reasonably necessary. Where a change materially affects a purchased product, we will handle the situation in accordance with applicable law and any commitments made at the time of purchase.
Purchases and payment
Purchases may be processed by a third-party payment or commerce provider acting as the seller, reseller, payment processor, or merchant of record, depending on the service used.
For purchases processed through Fungies, Fungies.io acts as the Merchant of Record for those transactions. Marsh Hawk Digital remains responsible for creating, licensing, maintaining, and supporting its products.
Prices, currencies, taxes, payment methods, and transaction terms may therefore also be subject to the applicable provider’s terms and policies.
Any additional purchase-specific terms presented during checkout form part of the agreement for that transaction.
Digital delivery
Marsh Hawk Digital products may be delivered electronically through downloads, account access, licence information, email, or other digital methods.
You are responsible for providing accurate contact information and for maintaining access to the email account or other method used to receive the product.
Licence and permitted use
Unless different terms are provided with a specific product, purchasing a Marsh Hawk Digital product gives you a limited, non-exclusive, non-transferable licence to use that product for your own personal or internal business purposes.
You may make reasonable backup copies where needed for your own use.
You may not resell, redistribute, sublicense, publish, share, reproduce for commercial distribution, or otherwise make a Marsh Hawk Digital product available to others except where the product licence expressly permits it.
Intellectual property
The Marsh Hawk Digital name, website content, product designs, documentation, graphics, software, spreadsheets, forms, templates, written material, and other original content are protected by applicable intellectual-property laws.
Except for the limited rights granted under an applicable product licence, no ownership rights are transferred to you.
Your information and content
Some Marsh Hawk Digital products may allow you to enter, store, organize, or process your own information.
You retain responsibility for the information you enter into a product, including its accuracy, legality, security, and appropriate backup.
Where a product stores information locally on your own device or in services you control, Marsh Hawk Digital may not have access to that information and may not be able to recover it if it is lost.
Backups
You are responsible for maintaining appropriate backups of important files and information.
Although Marsh Hawk Digital products are designed with care, no digital system can guarantee against accidental deletion, file corruption, hardware failure, software incompatibility, user error, or other forms of data loss.
Updates and compatibility
Products may be updated from time to time to correct problems, improve usability, add features, maintain compatibility, or respond to changes in third-party software or services.
We cannot guarantee that every product will remain compatible indefinitely with every operating system, application, browser, device, third-party service, or future software version.
Third-party services
Some products or website features may work with third-party platforms, software, payment providers, cloud services, or other external services.
Those services are operated independently and may have their own terms, privacy policies, fees, availability, and technical requirements.
Marsh Hawk Digital is not responsible for changes, interruptions, or failures in third-party services that are outside our reasonable control.
Refunds and cancellations
Refunds, cancellations, and transaction adjustments may be handled by the payment or commerce provider used for a purchase and may be subject to the terms presented during checkout.
Any Marsh Hawk Digital refund policy applicable to a particular product will be clearly identified at or before purchase.
Nothing in these Terms limits any refund, cancellation, or other consumer right that cannot lawfully be excluded.
Acceptable use
You may not use the Marsh Hawk Digital website or products to:
- Violate applicable law
- Infringe the rights of another person or organization
- Attempt to gain unauthorized access to systems, accounts, or data
- Introduce malicious software or interfere with website or service operation
- Circumvent licensing, access, or security controls
- Misrepresent a Marsh Hawk Digital product as your own
- Redistribute or commercially exploit protected Marsh Hawk Digital content without permission
Disclaimer of warranties
We aim to provide reliable, useful, and carefully designed products. However, except for warranties or rights that cannot lawfully be excluded, the website, products, and services are provided without guarantees that they will be error-free, uninterrupted, suitable for every situation, or compatible with every system or requirement.
You are responsible for determining whether a product is appropriate for your particular needs.
Limitation of liability
To the fullest extent permitted by applicable law, Marsh Hawk Digital will not be liable for indirect, incidental, special, consequential, or similar losses arising from the use of, or inability to use, the website or our products.
Nothing in these Terms excludes or limits liability or consumer rights where doing so would be prohibited by applicable law.
Changes to these Terms
We may update these Terms from time to time to reflect changes to our products, services, business practices, legal requirements, or website.
The “Last updated” date at the top of this page will identify the current version.
Where a change materially affects an existing product or service relationship, we will take reasonable steps to provide additional notice where appropriate.
Governing law
These Terms are governed by the laws of Ontario and the applicable federal laws of Canada, subject to any mandatory rights you may have under the laws that apply where you live.
Contact
Questions about these terms? Please contact us through our Contact page.