Terms and Conditions

Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provisions of this agreement.

These terms constitute a legally binding agreement between you and velomirathosq

Definitions

For the purposes of these terms, the following definitions apply

• Service: Refers to the financial planning consultation services provided by velomirathosq
• User: Any individual who accesses or uses our website and services
• Content: All text, graphics, images, and other materials available on this website
• Account: Your registered account for accessing our services and communications

Use of Service

Your use of our website and services is subject to the following conditions and restrictions

Eligibility

You must be at least 18 years of age and legally capable of entering into binding contracts to use our services

18+ only

Account Registration

To access certain features, you may need to create an account and provide accurate information

• Provide accurate, current, and complete information during registration
• Maintain the security and confidentiality of your account credentials
• Take responsibility for all activities that occur under your account

User Responsibilities

As a user of our website and services, you agree to

• Comply with all applicable laws and regulations
• Respect intellectual property rights and not infringe on copyrights or trademarks
• Refrain from any harmful, illegal, or disruptive activities
• Not attempt unauthorized access to our systems or other user accounts

Prohibited Uses

You may not use our website or services for any of the following purposes

• Any unlawful purpose or to solicit others to perform illegal acts
• To harm or attempt to harm minors in any way
• To send spam, junk mail, or unsolicited promotional communications
• To transmit viruses, malware, or other harmful computer code
• To impersonate or attempt to impersonate other individuals or entities

Intellectual Property

All content, trademarks, and intellectual property on this website are owned by velomirathosq or our licensors and are protected by applicable laws.

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

By submitting content to our website, you grant us a license to use, modify, and display that content in connection with our services

Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information Privacy Policy

Disclaimers

Our website and services are provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability or fitness for a particular purpose

This website and all information provided are offered on an "as is" basis without warranties of any kind.

Limitation of Liability

To the fullest extent permitted by law, velomirathosq shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services

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

Our total liability shall not exceed the amount paid by you for our services in the 12 months preceding the claim

User Indemnification

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

Dispute Resolution

We are committed to resolving disputes fairly and efficiently through various available mechanisms

Termination

We reserve the right to terminate or suspend your access to our services at any time for violation of these terms or other reasonable cause

Upon termination, your right to use our services will cease immediately, but applicable disclaimers and limitations of liability will survive

Governing Law

These terms are governed by the laws of Canada and applicable provincial legislation

These terms are governed by Canadian law and any disputes will be resolved in Canadian courts of competent jurisdiction

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website

We will make reasonable efforts to notify users of material changes to these terms

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will remain in full force and effect

Entire Agreement

These terms constitute the entire agreement between you and velomirathosq regarding the use of our website and services, superseding any prior agreements or understandings

Contact Information

If you have questions about these Terms and Conditions, please contact us using the information provided below