Terms and Conditions
Terms of Service
These Terms and Conditions govern your use of ivorandelqus's financial planning subscription service
By using our service, you agree to be bound by these terms and all applicable laws and regulations
Definitions
The following terms have specific meanings within this agreement
- Service: The financial planning subscription service provided by ivorandelqus, including consultations, planning documents, and ongoing support
- User/Client: Any individual who subscribes to or uses our financial planning services
- Company: ivorandelqus Financial Planning Services, a Canadian financial services company
- Content: All information, advice, documents, and materials provided through our service
Service Usage Terms
Your use of our financial planning service is subject to the following conditions
Acceptable Use
- Use the service only for legitimate financial planning purposes
- Provide accurate and complete information during consultations
- Respect the intellectual property rights of our content and materials
Prohibited Activities
The following activities are strictly prohibited
- Sharing your account access with unauthorized parties
- Using our service for illegal or fraudulent purposes
- Attempting to reverse engineer or copy our methodologies
- Misrepresenting information provided during consultations
- Using our content for commercial purposes without permission
User Responsibilities
As a subscriber, you are responsible for
- Maintaining the confidentiality of your account information
- Providing accurate financial information for planning purposes
- Making your own financial decisions based on our guidance
- Notifying us of any changes to your contact information
Intellectual Property Rights
All content, methodologies, and materials provided through our service remain the exclusive property of ivorandelqus
You may not reproduce, distribute, or create derivative works from our proprietary content without written permission
Payment Terms and Billing
Our subscription service operates on a monthly billing cycle with the following terms
- Payment Methods: We accept major credit cards and electronic bank transfers for monthly subscription payments
- Billing Cycle: Subscriptions are billed monthly in advance on the same date each month
- Refund Policy: Refunds are not available for completed consultation sessions, but unused portions of prepaid subscriptions may be eligible for prorated refunds
Limitation of Liability
Our liability is limited as follows under Canadian law
IN NO EVENT SHALL ivorandelqus BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
Dispute Resolution
Any disputes arising from these terms will be resolved through the following process
Arbitration Process
Disputes will be resolved through binding arbitration conducted in accordance with Canadian arbitration rules
The arbitration will be conducted by a single arbitrator agreed upon by both parties
European Union Online Dispute Resolution
EU residents may access the European Commission's Online Dispute Resolution platform
ODR Platform: European Commission ODR Platform
Nothing in these terms affects your statutory consumer rights under EU law
Account Termination
Either party may terminate the subscription service with 30 days written notice
Upon termination, access to our service will cease and any outstanding balances become due immediately
Privacy and Data Protection
Your privacy is important to us and is governed by our separate Privacy Policy Privacy Policy
Governing Law
These terms are governed by Canadian federal and provincial laws applicable in the jurisdiction where our business operates
Changes to Terms
We may update these terms periodically to reflect changes in our service or legal requirements
Material changes will be communicated to active subscribers via email at least 30 days in advance
Severability
If any provision of these terms is found unenforceable, the remaining provisions will continue in full effect
Entire Agreement
These terms constitute the complete agreement between you and ivorandelqus regarding use of our service
Contact Information
Questions about these terms should be directed to our legal department using the contact information provided
Email Address: contact@ivorandelqus.com
Phone Number: +1 (417) 285-924
Business Address: 125 Queen Street West, Toronto, ON
Effective Date: August 21, 2025
Last Updated: August 21, 2025