Terms and Conditions

1. Agreement to Terms

By accessing and using our website, you agree to be bound by these Terms and Conditions, our Privacy Policy, and any other documentation referenced herein. If you do not agree to these terms, please do not use our website or services.

2. Description of Services

Financial Audit provides financial assessment services designed to help individuals and businesses understand their financial situation. Our services include, but are not limited to, personal financial assessments, business financial assessments, financial planning support, and detailed financial reporting.

Our services are informational in nature and are intended to provide insight and understanding of your financial situation. We do not provide specific investment advice or guarantee financial outcomes.

3. User Eligibility

You must be at least 18 years of age to use our services. By using our website and services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement.

4. User Accounts

Some features of our services may require you to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

You are responsible for safeguarding your account credentials and for any activity that occurs under your account. You must notify us immediately of any unauthorized use of your account.

5. Intellectual Property

All content, features, and functionality on our website, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are owned by Financial Audit or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without our prior written consent.

6. User Content

Any information, data, or materials that you submit to us in connection with our services ("User Content") remains your property. However, by providing User Content to us, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, adapt, publish, translate, and distribute your User Content in connection with providing our services to you.

You represent and warrant that your User Content does not violate the rights of any third party, including intellectual property rights and rights of privacy and publicity.

7. Prohibited Uses

You may use our website only for lawful purposes and in accordance with these Terms and Conditions. You agree not to use our website:

• In any way that violates any applicable federal, provincial, or local laws or regulations
• To transmit or procure the sending of any advertising or promotional material without our prior written consent
• To impersonate or attempt to impersonate our company, an employee, or any other person
• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website
• To attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the website

8. Payment Terms

Fees for our services are as described on our website. Payment must be made prior to the provision of services. We accept payment through the methods specified on our website.

All fees are non-refundable except as expressly provided in these Terms and Conditions or as required by applicable law.

9. Disclaimer of Warranties

Our services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee that our services will meet your requirements, be error-free, or uninterrupted, or that any defects will be corrected.

10. Limitation of Liability

In no event will Financial Audit, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, including direct, indirect, special, incidental, or consequential damages, arising out of or in connection with your use of our website or services.

11. Indemnification

You agree to defend, indemnify, and hold harmless Financial Audit, its affiliates, and their respective officers, directors, employees, contractors, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms and Conditions or your use of our website or services.

12. Governing Law

These Terms and Conditions and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without giving effect to any choice or conflict of law provision.

13. Changes to Terms and Conditions

We may revise these Terms and Conditions from time to time. The most current version will be posted on our website with the effective date. Your continued use of our website or services after the posting of revised Terms and Conditions means that you accept and agree to the changes.

14. Contact Information

If you have any questions about these Terms and Conditions, please contact us at:

Email: [email protected]
Phone: +1 (416) 735-0299
Address: 150 Bay Street, Toronto, ON M5J 2N8, Canada