Terms and Conditions
These terms govern your use of our financial planning subscription service. Please read them carefully before using our services.
September 11, 2025
These terms are effective as of September 11, 2025
Acceptance of Terms
By accessing our website or using our services, you agree to be bound by these terms and conditions and our privacy policy.
If you do not agree with any part of these terms, please do not use our services
Eligibility Requirements
To use our services, you must meet the following requirements:
- Be at least 18 years of age
- Be a resident of Canada
- Provide accurate and complete information
Service Description and Acceptable Use
Our subscription service provides financial planning consultations and analytical reviews. You agree to use our services responsibly.
Permitted Uses
You may use our services for legitimate financial planning purposes in accordance with these terms
Prohibited Activities
- Providing false or misleading information
- Using services for illegal purposes
- Attempting to disrupt or interfere with our services
- Sharing account credentials with unauthorized parties
User Responsibilities
As a user of our services, you are responsible for:
- Maintaining the confidentiality of your account information
- Providing accurate and current information
- Using services in compliance with applicable laws
- Making your own financial decisions based on our guidance
Subscription Terms and Payment
Our services are provided on a monthly subscription basis at $250 CAD per month. Payment is due in advance and subscriptions automatically renew unless cancelled.
Cancellation requires 30 days written notice. All fees are non-refundable except as required by law
Limitation of Liability
Our liability is limited to the maximum extent permitted by Canadian law. We provide guidance and consultation services but make no guarantees about financial outcomes.
Past performance does not guarantee future results and individual outcomes may vary
Disclaimers and Risk Warnings
Our services involve financial planning guidance which carries inherent risks. You acknowledge that financial decisions are your responsibility.
We are not licensed financial advisors and our services do not constitute professional investment advice
Dispute Resolution
We are committed to resolving disputes fairly and efficiently:
Arbitration Process
Disputes may be resolved through binding arbitration in accordance with Canadian arbitration rules
Arbitration decisions are final and binding on both parties
Alternative Dispute Resolution
We also support mediation and other alternative dispute resolution methods
Learn about dispute resolution options
We encourage informal resolution before formal proceedings
We prefer to resolve disputes through direct communication whenever possible
Intellectual Property
All content on our website and in our services is protected by copyright and other intellectual property laws.
You may not reproduce, distribute, or create derivative works without our written permission
Governing Law
These terms are governed by Canadian federal and provincial laws. Any legal proceedings must be brought in Canadian courts.
Changes to Terms
We may update these terms periodically. Continued use of our services after changes constitutes acceptance of the new terms.
By using our services, you acknowledge that you have read, understood, and agree to these terms