The Your HSA group of companies, which include Your HSA Group Inc., Blendable Solutions Inc., and Blendable Inc. (collectively, YourHSA) makes this website (the "Site"), including all information, documents, content, materials, email newsletters, software and services (the "YourHSA information services"), available to you subject to the terms and conditions set forth in this legal agreement ("Terms of Use"). By accessing, browsing and/or using the Site, you acknowledge that you have read, understand and agree to be bound by the Terms of Use and to comply with all applicable laws and regulations, including all applicable export and re-export control laws and regulations.  The Terms of Use also apply when you use a downloadable application or other technology to access any features, functionality, content and/or information that is made available or provided on the Site.  YourHSA reserves the right to change the Terms of Use from time to time at its sole discretion. Your use of the Site will be subject to the most current version of the Terms of Use posted on the Site. You are responsible for periodically visiting these Terms of Use from time to time to review the then-current Terms of Use. If you do not agree to the Terms of Use, do not use the Site.

As used below, the terms “we”, “us” and “our” refer to YourHSA.

Use of Content

All information (the "Content") on or through the Site is available for information purposes only and is not intended to provide specific advice to you. The posting of Content and access to the YourHSA information services do not constitute, either explicitly or implicitly, any provision of services or products by us. Information concerning financial products or services (including software, insurance, self-insurance and financial services) is only available from the relevant company. While YourHSA uses reasonable efforts to ensure Content is accurate and current, your use of the Content or this Site is at your own risk. YourHSA assumes no responsibility for the accuracy of the Content.

You agree not to use any information on the Site or linked to the Site in any claims, proceedings, suits or actions against YourHSA or any of its directors, officers, alliance partners, suppliers or affiliates.

You agree that you will protect the confidentiality and adequately safeguard any personal information you view and obtain from the Site in accordance with privacy legislation applicable to your province/territory of residence.

No Offer

No information provided by the YourHSA information services should be interpreted as an offer or a solicitation for an offer or as advice on investment, legal, tax or other matters. Where such advice is required, a professional should be consulted.

No Duty to Update

YourHSA does not warrant that the Content is up-to-date, accurate or complete.

Access to the Site

YourHSA may alter, suspend, or discontinue this Site or any of the YourHSA information services at any time and for any reason, without prior notice to you. The Site may become unavailable due to maintenance or malfunction of computer equipment or other reasons. If you do not abide by the provisions of the Terms of Use, YourHSA may bar any further access to the YourHSA information services, and/or the Site.  YourHSA shall not be liable to you or any third party for any termination or cancellation of your access to, or use of, the Site. 


All content of the YourHSA information services is protected by copyright with all rights reserved. All rights to the pages, site content and design are owned by the YourHSA. Content available for download may be used for non-commercial use only. YourHSA has to be credited. Apart from that you are prohibited from creating derivative works or using any content for any purpose without the prior written approval of YourHSA.

Trademarks, Service Marks and Logos

YourHSA and its related words and logos, as well as the names of products or services of YourHSA are trade names, trademarks or registered trademarks of YourHSA. Other product and YourHSA names displayed on the Site may be trademarks or registered trademarks of their respective owners. Any unauthorized use of any of these trade names or trademarks is prohibited.

No Warranty

All content of the YourHSA information services, including, but not limited to, graphics, text and hyperlinks or references to other sites, is subject to alteration without prior notice and is provided on an “as is” basis and without warranty of any kind, expressed or implied, including, but not limited to, implied warranties of merchantability, suitability for a particular purpose, non-infringement and freedom of rights of third parties.

We do not warrant the adequacy, accuracy, reliability or completeness of any information provided by the YourHSA information services and expressly disclaim any liability for errors or omissions therein. The user is responsible for the assessment of the information’s adequacy, accuracy, reliability and completeness.

We do not warrant that the functions of the YourHSA information services will be uninterrupted and/or error-free, that defects will be corrected or that the YouHSA information services or the servers that make them available are free from computer viruses or other harmful components.

Confidentiality and Privacy

Despite YourHSA’s commitment to protect the confidential nature of your personal information, we wish to inform you that communication via Internet entails a certain amount of risk. We encourage you to consult our site's Privacy section to read more about our commitment to protecting your personal information. 

YourHSA does not claim ownership of the content, information or materials that you provide to YourHSA, however, by posting, uploading, inputting, providing or submitting ("Posting") such information you are granting YourHSA, its affiliated companies and necessary sublicense's permission to use such information, including, without limitation, the license rights to: copy, distribute within the YourHSA companies, translate and reformat your information.

No compensation will be paid with respect to the use of your information, as provided herein.  YourHSA is under no obligation to post or use any information you may provide and YourHSA may remove any information at any time in its sole discretion.

By posting such information you warrant and represent that you own or otherwise control all of the rights to such information as described in these Terms of Use including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the information.

Upon reasonable request by YourHSA, you will provide information related to any claim that your Posting infringes any third party rights.

By accepting the Terms of Use, you acknowledge that you have read, understand and agree to be bound by the Privacy Policy.

Account Security

If you are required to register to access sections of this Site, you must complete the registration process by providing current, complete and accurate information as prompted by the registration form. By opening an account, you are consenting to receive commercial electronic messages from us from time to time. If at any time you do not wish to receive such messages, simply send an email to

In most cases, when you register you will be required to choose a password and user name. You are entirely responsible for maintaining the confidentiality of your password and account.  YourHSA will rely completely on authorizations and information provided by you or by persons acting on your behalf, and assess all data provided as accurate.  Furthermore, you are entirely responsible for any and all activities that occur under your account or the accounts of those you are responsible for in your organization. You agree to notify YourHSA immediately of any unauthorized use or any other breach of security of your account or the aforementioned accounts.  YourHSA will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. Similarly, you may not use anyone else's account at any time, without permission of the account holder. 

YourHSA may, in its sole discretion and without notice to you, de-activate your username and/or password and terminate access to the Site if YourHSA believes you have violated or acted inconsistently with the letter or spirit of these Terms of Use or you have submitted inaccurate, incomplete, false, misleading or fraudulent information on this Site. 

You agree that YourHSA will not be held liable for any losses or damages you may suffer as a result of a breach of these Terms of Use.

Hyperlinked and Referenced Websites

Certain hyperlinks or referenced websites in the YourHSA information services may take you to third party websites. The content of these websites has not been investigated or analyzed by us, and we do not warrant the adequacy, accuracy, reliability or completeness of any information on hyperlinked or referenced websites and disclaim any liability for any and all of their content. Any hyperlinks to other websites are offered for your convenience only and imply neither that we endorse such websites or products or services that are described there as our own, nor that we approve or deem the content to be correct.

Local Legal Restrictions

By accessing this Site, you and YourHSA agree that all matters relating to your access to, or use of, this Site shall be governed by the statutes and laws of the Province of Ontario and the federal laws of Canada applicable therein. You and YourHSA expressly disclaim all applicable choice of law or conflict of law rules and expressly exclude the United Nations Convention on Contracts for the International Sale of Goods. You and YourHSA also agree and hereby submit to the exclusive personal jurisdiction and venue of the courts in the Waterloo Region, Ontario with respect to such matters.

The YourHSA information services are not intended for any person in any jurisdiction where (by virtue of that person’s nationality, residence or otherwise) the publication or availability of the YourHSA information services is prohibited. Persons to whom such prohibitions apply may not access the YourHSA information services.

Reservation of Rights

We reserve the right to change, modify, add to, or remove sections of these terms of use at any time.

No Additional Rights

You acknowledge and agree that except for the rights expressly granted above, all other right, title and interest in and to the Site and the YourHSA information services, including any and all patent, trademark, copyright, trade secret, intellectual and industrial property rights remain the sole and exclusive property of YourHSA, its affiliates, suppliers and/or its licensors. Except as specifically set out in the Terms of Use, you are not authorized to use YourHSA’s name or any of its trademarks or those of its suppliers and/or its licensors in any manner whatsoever, absent prior written approval from YourHSA.


You acknowledge and agree that you use the Site and the YourHSA information services at your own risk.  YourHSA will make reasonable efforts to ensure that this site is virus free, but does not guarantee that this is the case. Support regarding the YourHSA information services is only provided subject to the terms of a separate agreement between you and YourHSA.


By using this Site, you agree to indemnify, defend and hold harmless YouHSA and its affiliates, partners, third party content providers and licensors and each of their respective directors, officers, employees and agents from and against any and all claims, actions, suits, proceedings, judgments, damages, losses, liabilities, costs and expenses (including, without limitation, reasonable attorneys' fees and related reasonable costs) arising directly or indirectly out of or in connection with (a) your breach of these Terms of Use, (b) any content uploaded, posted or transmitted by you on or through the Site, and/or (c) your activities in connection with the Site.

Social Media

By using any YourHSA social media pages and submitting a comment, photo, video links and/or other materials, you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) agree to be bound and comply with these Terms, the YourHSA Privacy Policy and the general terms of use applicable to the social media page websites.

Social Media Terms of Use

YourHSA social media pages are designed for you and we encourage you to review, leave comments, discuss YourHSA products and services, watch and share our videos and to engage us. Some of the comments and materials posted to our social media pages and the social media page websites may not represent the opinions of YourHSA. You agree that you will not post or submit any information, post, link or material of any kind on YourHSA social media pages which fall into any of the categories described below:

  • Anything defamatory, abusive, infringing, obscene, misleading, unlawful or which otherwise violates the legal rights (including the privacy) of others;
  • Anything that contains any unsolicited advertising, promotional materials, or other forms of solicitation to other users, individuals or entities;
  • Anything that falsifies the origin or source of any information; or
  • Any financial or personal information about yourself or others. For more information, please visit Privacy Policy.
  • Any information, posts, links or material of any kind that we determine to fall into any of the categories described above will be removed.

YourHSA will not be responsible or liable for the entities which own or operate social media page websites in any way, including being liable for any losses, or direct or indirect damages arising from any action or decision made by you or anyone else in reliance on YourHSA social media page websites.


If any provision of the Terms of Use is determined to be unlawful, void or for any reason, or unenforceable, then that provision shall be deemed severable from the remaining provisions. Any failure by YourHSA to enforce or exercise any provision of the Terms of Use or related right shall not constitute a waiver of that right or provision.

If you have any questions regarding this Site or these Terms of Use, please contact us.