Terms and Conditions

• Company refers to paudimoperai, the provider of financial planning consultation services
• Service refers to our financial planning consultations, analytical reviews, and related professional services
• User refers to any individual who accesses our website or uses our services
• Content refers to all information, materials, and resources available on our website

When using our services, you agree to comply with these usage guidelines and applicable laws.

Permitted Uses

• Access and use our website for legitimate financial planning consultation purposes
• Provide accurate information during consultations and form submissions
• Respect the intellectual property rights of our content and materials

Prohibited Uses

• Provide false, misleading, or fraudulent information during consultations or registration
• Attempt to gain unauthorized access to our systems, accounts, or confidential information
• Use our services for any illegal activities or purposes that violate applicable laws
• Share, distribute, or misuse confidential information obtained through our services

As a user of our services, you have certain responsibilities to ensure a professional and secure environment.

• Maintain the confidentiality of any account credentials or access information
• Provide accurate and complete information necessary for effective financial consultation
• Respect the professional boundaries and expertise of our consultation staff
• Comply with all applicable laws and regulations in your jurisdiction

All content on our website, including text, graphics, logos, and software, is the property of paudimoperai or our licensors and is protected by copyright and other intellectual property laws.

All materials on this website are protected by copyright and other intellectual property rights.

We grant you a limited, non-exclusive license to access and use our website for personal, non-commercial purposes related to our financial planning services.

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

Please review our Privacy Policy for detailed information about how we handle your personal data. Privacy Policy

Our subscription-based services require payment according to the following terms and conditions.

• Subscription fees are billed monthly in advance at $250 CAD per month including applicable taxes
• Payment is due within 30 days of invoice date, with late fees applied to overdue accounts
• Subscription cancellation requires 30 days written notice and may be subject to early termination fees

To the maximum extent permitted by law, our liability for any damages arising from your use of our services is limited to the amount you paid for services in the preceding 12 months.

Our services are provided on an "as is" basis without warranties of any kind, either express or implied.

Our maximum aggregate liability to you under these terms shall not exceed the total fees paid by you in the 12 months preceding the claim.

Either party may terminate the service relationship under certain circumstances outlined below.

Termination by You

You may cancel your subscription at any time with 30 days written notice. Cancellation takes effect at the end of your current billing period.

Termination by Us

We may terminate your access to our services if you violate these terms, provide fraudulent information, or engage in prohibited activities.

We are committed to resolving disputes efficiently and fairly through established procedures.

We encourage direct communication to resolve any concerns before pursuing formal dispute resolution procedures.

This disclaimer shall be governed by and construed in accordance with the laws of Canada, without regard to conflict of law principles.

These terms are governed by the laws of Canada and the province of Ontario, without regard to conflict of law principles.

We reserve the right to modify these terms at any time. Material changes will be communicated through our website or direct notification to active subscribers.

Continued use of our services after changes constitutes acceptance of the modified terms.

These terms, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and paudimoperai regarding your use of our services.

If you have questions about these terms, please contact us using the information provided in our contact section.