TERMS OF USE

Effective Date: May 18, 2026
Last Updated: July 23, 2026

1. Welcome

Welcome to The Insolvency Report (the “Website”), a publication of Yes Healthier Inc. (“Yes Healthier,” “we,” “our,” or “us”). Paul J. Franchi, J.D., MBA, CIRP, LIT serves as the Publisher and Editor-in-Chief, and his professional expertise and editorial oversight guide the Website’s content.

By accessing or using this Website, you agree to be bound by these Terms of Use (the “Terms”). If you do not agree to these Terms, you may not use the Website.

2. Use of the Website

“Use” of or “using” the Website includes browsing, accessing, or using all or any portion of the Website and its content.

The Website is provided for informational and educational purposes only. The information published on this Website is intended as general commentary and reference material and is not intended to address the circumstances of any particular individual or matter.

Nothing on this Website constitutes legal, financial, insolvency, accounting, or other professional advice. Your use of this Website does not create a professional relationship between you and Yes Healthier Inc., Paul J. Franchi, The Insolvency Report, or Bromwich+Smith.

You should seek advice from a qualified professional, including a Licensed Insolvency Trustee where appropriate, before making decisions regarding your specific circumstances.

3. Tools, Calculators, and Interactive Resources

The Website may provide tools, calculators, questionnaires, guides, and other interactive resources (collectively, the “Tools”) designed to provide general educational and informational assistance to users.

The Tools, including but not limited to consumer proposal calculators and other insolvency-related resources, are provided for general informational purposes only. Results generated by any Tool are estimates based on information provided by the user and should not be interpreted as financial advice, legal advice, insolvency advice, a recommendation, an assessment of eligibility, or a prediction of outcome.

Every individual’s financial circumstances are unique. The information generated by the Tools may not account for all factors relevant to your particular situation. You should consult directly with a Licensed Insolvency Trustee or other qualified professional before making decisions regarding your financial circumstances.

Your use of any Tool does not create a Trustee-client relationship, professional relationship, or any other advisory relationship between you and Yes Healthier Inc., Paul J. Franchi, The Insolvency Report, or any affiliated organization.

We do not guarantee the accuracy, completeness, reliability, or suitability of any results generated through the Tools and are not responsible for decisions made based on their use.

4. Professional Status & Editorial Independence

Employment: Paul J. Franchi is an employee of Bromwich+Smith.

Licensed Insolvency Trustee: Paul J. Franchi is a Licensed Insolvency Trustee in the Province of Ontario, licensed by the Office of the Superintendent of Bankruptcy Canada.

Editorial Independence: The opinions, analyses, and commentary published on this Website are those of Paul J. Franchi in his capacity as Publisher and Editor-in-Chief and do not necessarily reflect the views or positions of Bromwich+Smith or any other organization.

No Legal Advice: Paul J. Franchi does not engage in the practice of law through this Website and does not provide legal advice.

Use of this Website, including sending emails, submitting forms, corresponding with, or speaking with Paul J. Franchi, does not create a lawyer-client relationship, a Trustee-debtor relationship, or any other professional relationship.

Information submitted through this Website is not protected by solicitor-client privilege.

5. Intellectual Property

Unless otherwise indicated, all content on the Website, including text, articles, graphics, logos, images, videos, audio, design, and other materials, is owned by Yes Healthier Inc. and is protected by Canadian and international intellectual property laws.

You may view, print, or electronically copy Website content for your personal, non-commercial use only, provided all copyright and proprietary notices remain intact.

You may not:

  • reproduce, republish, sell, license, or commercially exploit Website content;
  • scrape, mine, harvest, or automatically collect Website content or data;
  • modify, reverse engineer, decompile, or create derivative works from Website materials; or
  • frame, mirror, or embed any portion of the Website without prior written permission.

6. User Submissions and Social Media Content

You may have opportunities to submit, post, comment on, or otherwise share content through the Website or our official social media channels, including but not limited to comments, messages, reviews, photographs, videos, and other user-generated content (“Submissions”).

By submitting content, you grant Yes Healthier Inc. a perpetual, worldwide, royalty-free, irrevocable, non-exclusive licence to use, reproduce, publish, display, distribute, adapt, modify, and otherwise use your Submissions in connection with The Insolvency Report, its Website, official social media channels, promotional materials, and related publications, without further notice or compensation unless required by law.

You represent and warrant that:

  • you own or have all necessary rights to your Submissions;
  • your Submissions do not infringe the intellectual property, privacy, publicity, or other rights of any person or entity;
  • your Submissions do not violate any applicable law; and
  • your Submissions do not contain unlawful, defamatory, abusive, fraudulent, misleading, obscene, or otherwise objectionable material.

We reserve the right, but not the obligation, to monitor, edit, refuse, or remove any Submissions at our sole discretion and without notice.

7. Privacy

Your use of the Website is also governed by our Privacy Policy, which describes how personal information is collected, used, and disclosed.

By using the Website, you acknowledge that you have read and understood our Privacy Policy.

The Website may contain links to third-party websites provided solely for your convenience.

We do not endorse, control, or assume responsibility for the content, products, services, or practices of third-party websites. Your use of those websites is entirely at your own risk.

Any dealings with third parties, including merchants, advertisers, or service providers, are solely between you and the applicable third party.

9. Disclaimer of Warranties

The Website and all content are provided on an “as is” and “as available” basis without warranties or representations of any kind, whether express, implied, or statutory.

To the fullest extent permitted by law, Yes Healthier Inc. disclaims all warranties, including warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, and non-infringement.

Your use of the Website and reliance upon its content are entirely at your own risk.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Yes Healthier Inc., together with its directors, officers, employees, contractors, agents, affiliates, and Paul J. Franchi in his capacity as Publisher and Editor-in-Chief, shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to your use of, or inability to use, the Website, Tools, or content.

Where applicable law does not permit the exclusion or limitation of certain liabilities, such limitations shall apply only to the fullest extent permitted by law.

11. Indemnification

You agree to indemnify and hold harmless Yes Healthier Inc., The Insolvency Report, Paul J. Franchi, and their respective directors, officers, employees, contractors, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from:

  • your breach of these Terms;
  • your misuse of the Website or Tools; or
  • your submissions or interactions through the Website or social media channels.

12. Hyperlinking

You may link to the Website’s home page provided that you:

  • do not imply sponsorship, endorsement, or affiliation where none exists;
  • do not frame or mirror the Website;
  • do not reproduce substantial portions of Website content; and
  • do not link from unlawful, misleading, or offensive websites.

We reserve the right to request removal of any link to the Website at any time.

13. Suspension or Termination

We may suspend, restrict, or terminate your access to the Website at any time, with or without notice, if we believe you have violated these Terms or applicable law.

14. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

Any dispute arising from or relating to these Terms or your use of the Website shall be brought exclusively before the courts located in Toronto, Ontario, and you irrevocably consent to the jurisdiction of those courts.

15. Changes to These Terms

We may revise these Terms from time to time.

Any revisions become effective when posted on this Website. Your continued use of the Website after revised Terms are posted constitutes your acceptance of those revisions.

16. Miscellaneous

These Terms, together with our Privacy Policy and any other policies referenced on this Website, constitute the entire agreement between you and Yes Healthier Inc. regarding your use of the Website.

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

No waiver of any provision of these Terms shall be deemed a continuing waiver of that or any other provision.

17. Contact

If you have questions about these Terms of Use or the Website,  please contact us through the Website Contact Page.