Terms and Conditions of Service

Agreement for Financial Planning Services

These terms and conditions govern your use of calenquorivath financial planning services and website. By accessing our services, you agree to be bound by these terms and all applicable laws and regulations.

Please read these terms carefully before using our services, as they contain important information about your rights and obligations.

Important Definitions

For the purpose of these terms, the following definitions apply:

• • Service: Financial planning consultation and analysis services provided by calenquorivath on a subscription basis
• • Client: Any individual or entity who subscribes to and uses our financial planning services
• • Subscription: Monthly recurring payment arrangement for ongoing access to our financial planning services
• • Platform: Our website, communication tools, and any related technology used to deliver services

Service Usage Guidelines

Your use of our financial planning services is subject to the following conditions:

Eligibility Requirements

You must be at least 18 years old and legally capable of entering into contracts. Our services are available to residents of Canada only.

calenquorivath financial planning services logo: calenquorivath financial planning services logo

Account Management Responsibilities

• • Maintain accurate and current contact and financial information
• • Protect your account credentials and notify us immediately of any unauthorized access
• • Use services in good faith for legitimate financial planning purposes only

Acceptable Use Policy

You agree not to use our services for any of the following prohibited purposes:

• • Any illegal, fraudulent, or unauthorized activities
• • Attempting to gain unauthorized access to our systems or other user accounts
• • Transmitting viruses, malware, or other harmful computer code
• • Harassing, threatening, or abusing our staff or other clients
• • Using services to compete with or replicate our business model

Intellectual Property Rights

All content, materials, and intellectual property on our platform remain the exclusive property of calenquorivath. This includes but is not limited to text, graphics, logos, software, and methodologies.

We grant you a limited, non-exclusive license to use our services for personal financial planning purposes only.

Client Information and Content

You retain ownership of personal and financial information you provide to us during consultations.

By sharing information with us, you grant us permission to use it solely for providing financial planning services.

You are responsible for ensuring all information provided is accurate, complete, and legally obtained.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your personal information. The Privacy Policy is incorporated into these terms by reference. Privacy Policy

Service Disclaimers

Our financial planning services are provided "as is" without warranties of any kind, express or implied. We do not guarantee specific financial outcomes or results.

We disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement to the fullest extent permitted by law.

Limitation of Liability

To the maximum extent permitted by Canadian law, calenquorivath shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

Our total liability to you for any claims related to our services shall not exceed the amount you paid for services in the 12 months preceding the claim.

User Indemnification

You agree to indemnify and hold harmless calenquorivath from any claims, damages, or expenses arising from your use of services or violation of these terms.

Service Termination

Either party may terminate the service relationship at any time with 30 days written notice. We reserve the right to terminate immediately for violation of these terms.

Upon termination, your access to services will cease, but these terms will continue to apply to any outstanding obligations or disputes.

Dispute Resolution Process

We are committed to resolving disputes fairly and efficiently through the following mechanisms:

Governing Law and Jurisdiction

These terms are governed by the laws of Canada and the province where our services are primarily delivered. Any legal proceedings shall be conducted in the appropriate provincial or federal courts.

Severability of Terms

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. Invalid provisions shall be modified to the minimum extent necessary to make them enforceable.

Complete Agreement

These terms, together with our Privacy Policy and any other referenced policies, constitute the complete agreement between you and calenquorivath regarding our services. No other agreements, representations, or warranties apply unless specifically agreed to in writing.

Modifications to Terms

We reserve the right to modify these terms at any time to reflect changes in our services, applicable laws, or business practices.

We will notify you of material changes by email or prominent website notice at least 30 days before they take effect. Continued use of services after changes indicates acceptance.

Contact Information for Legal Matters

For questions about these terms and conditions, please contact us using the information provided in our main contact section.