Terms of Service

Effective Date: March 1, 2026

Acceptance of Terms

By accessing or using any application or service provided by Hana Code Corp ("we," "our," or "us"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

Description of Services

Hana Code Corp designs, builds, and operates mobile and web applications. Our current offerings include:

Slackwater

A retirement planning application designed specifically for Canadians. Slackwater models retirement timelines and optimizes withdrawal strategies across RRSP, TFSA, and non-registered accounts, incorporating CPP, OAS, and Canadian tax rules.

We may add, modify, or discontinue services at any time. We will provide reasonable notice of significant changes where possible.

User Responsibilities

When using our services, you agree to:

  • Provide accurate and complete information when using our applications
  • Use our services only for lawful purposes and in accordance with these terms
  • Not attempt to reverse engineer, decompile, or disassemble our applications
  • Not use our services to infringe on the rights of others
  • Keep your account credentials secure if you create an account

Financial Planning Disclaimer

Slackwater and any other financial tools we provide are for informational and educational purposes only. They do not constitute financial, tax, investment, or legal advice.

Retirement projections, withdrawal strategies, and tax estimates are based on the information you provide and general assumptions about future conditions. Actual results will vary. Tax laws, CPP/OAS rules, and account regulations may change.

You should consult with a qualified financial advisor, tax professional, or other appropriate professional before making financial decisions based on information from our applications.

Intellectual Property

All content, features, functionality, design, code, and intellectual property associated with our applications and services are owned by Hana Code Corp and are protected by Canadian and international copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our services without our written permission.

Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or completely secure.

Financial projections and calculations are estimates based on the data you provide and are not guarantees of future results.

Limitation of Liability

To the maximum extent permitted by applicable law, Hana Code Corp shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our services.

In no event shall our total liability exceed the amount you have paid us in the twelve months preceding the claim.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Alberta, Canada.

Changes to These Terms

We may revise these Terms of Service from time to time. When we make changes, we will update the "Effective Date" at the top of this page. Your continued use of our services after changes are posted constitutes your acceptance of the revised terms.

Contact Us

If you have questions about these Terms of Service, please contact us:

Hana Code Corp
Calgary, Alberta, Canada
hana@cousins.ai