Last updated: October 1, 2026
Welcome to the website of Treasury and Balance Sheet Manage (“TBSM”, “we”, “our”, or “us”). By accessing or using this website (“the Site”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree with these Terms, please do not use this Site.
1. Website Content and Intellectual Property
The content of the pages of this Site is for your general information and use only. It is subject to change without notice.
All content on this Site, including but not limited to text, graphics, logos, photographs, drawings, diagrams, design elements, layout, and appearance, is owned by or licensed to TBSM and is protected by applicable intellectual property and other laws.
You may view, download, and print content from this Site for personal or business reference purposes only. You may not reproduce, distribute, modify, republish, transmit, display, create derivative works from, or commercially exploit any content from this Site without our prior written consent, except as permitted by applicable law.
All rights not expressly granted under these Terms are reserved.
2. Information Purposes Only
The content and information provided on this Site are for general informational purposes only and are not intended to constitute financial, investment, accounting, tax, legal, regulatory, treasury, risk-management, or other professional advice.
Information relating to treasury management, liquidity, cash management, balance-sheet management, financial risk, technology, software capabilities, methodologies, market practices, or other topics is provided for general informational purposes and should not be relied upon as a substitute for advice tailored to your particular circumstances.
Examples, descriptions, case studies, illustrations, analyses, methodologies, and information regarding our services or software are provided for general informational purposes only. They may not reflect the circumstances, requirements, or results applicable to every organization.
You should obtain appropriate professional advice before making financial, investment, treasury, accounting, tax, legal, technology, or business decisions.
Nothing on this Site creates an advisor-client, consultant-client, fiduciary, contractual, or other professional relationship between you and TBSM.
Specific services, software functionality, recommendations, deliverables, and obligations are subject to the applicable written agreement between TBSM and the relevant customer.
3. No Offer or Contract
Information on this Site does not constitute a binding offer, solicitation, commitment, or agreement to provide any particular services or software.
Descriptions of our consulting services, treasury and balance-sheet management solutions, software, capabilities, methodologies, or other offerings are for informational purposes only.
Any consulting engagement, software license or subscription, implementation, support service, or other business transaction between TBSM and a customer will be governed by separate written agreements.
In the event of any conflict between these Terms and a separate written agreement governing services provided to a customer, the applicable written agreement will control with respect to those services.
4. Disclaimer of Warranties
This Site and its content are provided on an “as is” and “as available” basis.
While we make reasonable efforts to ensure that information on the Site is accurate and current, we make no warranties, representations, or guarantees, express or implied, regarding the completeness, accuracy, reliability, suitability, availability, or timeliness of the Site or its content.
Information concerning financial markets, treasury practices, regulatory matters, technology, or other matters may change over time. We do not undertake an obligation to update information on the Site.
Your use of the Site and reliance on any information contained on it is at your own risk.
5. Website Availability
We make reasonable efforts to maintain the availability and functionality of the Site but do not guarantee uninterrupted, error-free, or secure access.
We reserve the right to modify, suspend, restrict, or discontinue any part of the Site at any time, with or without notice.
6. Third-Party Links
This Site may contain links to third-party websites for your convenience.
TBSM does not endorse and is not responsible for the content, accuracy, security, availability, or privacy practices of any third-party website. Accessing third-party websites or services is at your own risk and may be subject to the terms and privacy policies of those third parties.
7. Limitation of Liability
To the fullest extent permitted by applicable law, TBSM and its directors, officers, employees, affiliates, contractors, and service providers will not be liable for any direct, indirect, incidental, consequential, special, exemplary, or other damages arising out of or relating to:
- Your use of or inability to use the Site;
- Your reliance on information contained on the Site;
- Errors, omissions, or inaccuracies in Site content;
- Website interruptions, technical failures, delays, or unavailability;
- Viruses, malware, or other harmful components;
- Unauthorized access to or use of information transmitted through the Site; or
- Any other matter relating to your access to or use of the Site.
Nothing in these Terms excludes or limits liability to the extent that such liability cannot be excluded or limited under applicable law.
8. Prohibited Uses
You may use our site only for lawful purposes. You agree not to:
- Use the Site in any manner that violates applicable laws or regulations;
- Attempt to gain unauthorized access to the Site, its servers, or related systems;
- Interfere with the operation or security of the Site;
- Transmit or distribute unsolicited or unauthorized advertising or promotional material;
- Upload, transmit, or distribute viruses, malware, Trojan horses, worms, or other harmful software;
- Use automated systems or methods to access, scrape, copy, or collect Site content without our prior written permission, except as permitted by applicable law;
- Attempt to reverse engineer, decompile, or otherwise interfere with any software or technology made available through the Site; or
- Engage in any activity that may damage, disable, overburden, or impair the Site or interfere with another person’s use of the Site.
9. User Submissions
If you submit information through a contact form, inquiry form, employment application, or other communication method provided on the Site, you agree that the information you provide is accurate and lawful and that you have the right to provide it.
You should not submit confidential financial information, account credentials, passwords, payment information, securities information, or other sensitive information through a general website contact form unless specifically requested or authorized by TBSM through an appropriate secure process.
We reserve the right to disregard or remove any submission that is false, misleading, unlawful, harmful, or otherwise inappropriate.
Information submitted through the Site will be handled in accordance with our Privacy Policy.
10. No Confidentiality Through Website Submissions
Unless TBSM has expressly agreed otherwise in writing, information submitted through the Site, including through contact or inquiry forms, should not be considered confidential or subject to a confidentiality obligation.
If you need to provide confidential or commercially sensitive information in connection with a potential engagement, please contact us regarding an appropriate secure method of communication.
11. Software and Services
Certain services, software, applications, tools, or other technology offered by TBSM may be subject to additional terms, licenses, subscription agreements, service agreements, or other contractual terms.
Your use of any such software or services is governed by the applicable agreement provided to you.
Nothing on this Site grants you a license or other right to use TBSM’ proprietary software, methodologies, models, tools, data, or other intellectual property except as expressly permitted under a separate written agreement.
12. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision will be interpreted or modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.
13. Privacy
Your use of the website is also subject to our Privacy Policy, which describes how we collect, use, and protect personal information.
14. Changes to These Terms
We may update these Terms from time to time.
Your continued use of the website after changes are posted constitutes acceptance of the revised Terms.
15. Governing Law
These Terms are governed by the laws of Alberta, Canada.
16. Contact Us
If you have questions regarding these Terms, please contact: info@tbsm.com