Terms and Conditions

Acceptance of Terms

By accessing and using this website and our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions

These terms constitute a legally binding agreement between you and dalivorastheqo Financial Planning

Definitions and Interpretations

For the purposes of these terms, the following definitions apply

• Service: Financial planning consultations, advice, and related professional services provided by dalivorastheqo Financial Planning
• User: Any individual who accesses or uses our website or services
• Content: All text, images, data, information, and materials available through our website
• Account: Your registered user account for accessing personalized services

Permitted Use of Services

You may use our services for lawful purposes related to financial planning and education

User Responsibilities

As a user of our services, you agree to

• Provide accurate and complete information during consultations
• Maintain the confidentiality of your account credentials
• Use services in compliance with applicable laws and regulations
• Respect intellectual property rights and confidential information

Prohibited Activities

The following activities are strictly prohibited

Intellectual Property Rights

All content, materials, and intellectual property on this website are owned by dalivorastheqo Financial Planning or licensed from third parties. Unauthorized use is prohibited.

All rights reserved. No part of this website may be reproduced without express written permission

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy

Please review our Privacy Policy for detailed information about our data practices

Payment Terms and Conditions

The following terms apply to all payments for our services

• Monthly subscription fees are due in advance on the same date each month
• All fees include applicable taxes unless otherwise specified
• Payment methods include credit card, bank transfer, and other approved methods

Disclaimers and Warranties

Our services are provided with the following important disclaimers

Limitation of Liability

To the maximum extent permitted by law, our liability is limited to the amount paid for services in the preceding 12 months

We are not liable for indirect, incidental, consequential, or punitive damages

Indemnification

You agree to indemnify us against claims arising from your use of services or violation of these terms

Dispute Resolution

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

Termination of Services

Either party may terminate services with 30 days written notice. We may terminate immediately for breach of terms.

Upon termination, access to services will cease and account data may be deleted according to our retention policies

Governing Law and Jurisdiction

These terms are governed by Canadian federal law and the laws of Nova Scotia. Courts in Halifax have exclusive jurisdiction over disputes.

Modifications to Terms

We reserve the right to modify these terms at any time. Material changes will be communicated to users through appropriate channels.

Continued use after changes constitutes acceptance of modified terms

Severability

If any provision of these terms is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect

Entire Agreement

These terms constitute the complete agreement between parties and supersede all prior agreements or understandings

Contact Information

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