Terms and Conditions of Service

These terms and conditions govern your use of the taverniqelom website and consultation services. By accessing or using our services, you agree to be bound by these terms.

September 8, 2025

Acceptance of Terms

By accessing this website and using our consultation services, you accept and agree to be bound by these terms and conditions. If you do not agree with any part of these terms, you should not use our website or services. Your continued use constitutes acceptance of these terms.

Definitions

The following terms have specific meanings throughout this agreement for clarity

• Services refers to the financial planning consultation services provided by taverniqelom including initial consultations, analytical reviews, and related guidance offered through our website or in person.
• User, you, or your refers to any individual or entity that accesses our website or uses our consultation services in any capacity.
• We, us, or our refers to taverniqelom and its team members, employees, contractors, and authorized representatives.
• Content refers to all text, images, data, and other materials available on our website.

Use of Services

Our consultation services are provided for informational and analytical purposes. You agree to use our services only for lawful purposes and in accordance with these terms. We reserve the right to refuse service to anyone for any reason at any time.

Eligibility

You must be at least eighteen years of age and legally capable of entering into binding contracts to use our services. By using our services, you represent and warrant that you meet these eligibility requirements.

Services are provided to Canadian residents under Canadian law

User Responsibilities

When using our website and services, you agree to the following responsibilities

• Provide accurate and complete information when scheduling consultations or communicating with our team
• Maintain the confidentiality of any account credentials and notify us of unauthorized access
• Respect intellectual property rights and refrain from copying or distributing our content without permission
• Use our services in good faith and refrain from any activity that could harm our systems or reputation

Prohibited Uses

You agree not to use our website or services for any unlawful or prohibited purposes

• Attempting to gain unauthorized access to our systems, networks, or user accounts through any means
• Transmitting viruses, malware, or other harmful code that could damage our systems or those of other users
• Using our services to harass, abuse, or harm another person or to violate any applicable laws
• Impersonating any person or entity or falsely representing your affiliation with any person or entity
• Collecting or harvesting information about other users without their consent or for unauthorized purposes

Intellectual Property Rights

All content on our website including text, graphics, logos, and software is the property of taverniqelom or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

User-Provided Content

If you submit information, feedback, or other content to us through our website or during consultations, you retain ownership of that content. However, you grant us a license to use such content for the purpose of providing services.

Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. We encourage you to review the Privacy Policy to understand our practices regarding your data and your rights under applicable privacy laws. View Privacy Policy

Disclaimer of Warranties

Our services are provided on an as-is and as-available basis without warranties of any kind

Limitation of Liability

To the maximum extent permitted by law, taverniqelom shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability shall not exceed the amount paid for services, if any.

Indemnification

You agree to indemnify and hold harmless taverniqelom, its team members, and affiliates from any claims, damages, losses, or expenses including legal fees arising from your use of our services or violation of these terms.

Dispute Resolution

In the event of any dispute arising from these terms or our services, the following provisions apply

Applicable Law

These terms and conditions are governed by and construed in accordance with the laws of Canada and the province of Ontario. You agree to submit to the exclusive jurisdiction of Canadian courts for resolution of any disputes.

Termination

We reserve the right to terminate or suspend your access to our services at any time without notice for conduct that we believe violates these terms or is harmful to other users, our business, or third parties.

Modifications

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services following any changes constitutes your acceptance of the new terms.

Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. Invalid provisions will be interpreted to achieve their intended purpose to the greatest extent possible.

Entire Agreement

These terms and conditions, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and taverniqelom regarding the use of our services.

Contact Information

If you have questions about these terms and conditions, please contact us