Terms and Conditions

These Terms and Conditions govern your use of the phorenquavil website and financial planning services. By accessing our website or using our services, you agree to be bound by these terms.

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

August 25, 2025

Definitions

For the purposes of these Terms and Conditions

• Service: Refers to the financial planning consultation and advisory services provided by phorenquavil through subscription plans
• User/Client: Refers to any individual who accesses our website or subscribes to our financial planning services
• Company/We/Us: Refers to phorenquavil, the financial planning service provider operating this website
• Content: Refers to all information, text, images, and materials available on our website and through our services

Service Usage Guidelines

When using our services, you agree to the following guidelines

• Provide accurate and complete information during consultations and service interactions
• Use our services only for their intended purpose of financial planning consultation
• Respect the confidentiality of proprietary planning methodologies and materials
• Comply with all applicable laws and regulations when using our services

User Responsibilities

As a user of our services, you are responsible for

• Maintaining the confidentiality of your account information and login credentials
• Providing accurate financial information necessary for effective planning services
• Notifying us of any changes in your financial circumstances that may affect our recommendations
• Using our services in compliance with these terms and applicable laws

Prohibited Activities

You may not use our services for the following activities

• Attempting to gain unauthorized access to our systems or other users' accounts
• Using our services for any unlawful or fraudulent purposes
• Sharing your account access with unauthorized third parties
• Attempting to reverse engineer or copy our proprietary planning tools and methodologies
• Using our services to compete with or harm our business interests

Intellectual Property

All content, trademarks, service marks, and intellectual property on our website and in our services remain the exclusive property of phorenquavil and are protected by applicable copyright and trademark laws.

We grant you a limited, non-exclusive license to use our services for their intended purpose, subject to these terms and conditions.

Privacy and Data Protection

Your privacy is important to us, and we are committed to protecting your personal information in accordance with applicable Canadian privacy laws.

Please review our Privacy Policy for detailed information about how we collect, use, and protect your personal data.

Payment Terms and Conditions

The following terms apply to payments for our subscription services

• Subscription fees are charged monthly in advance and are non-refundable except as required by law
• All prices are quoted in Canadian dollars and include applicable taxes unless otherwise specified
• We reserve the right to modify subscription pricing with 30 days advance notice to existing subscribers
• Failed payments may result in service suspension until account balances are resolved

Disclaimers and Warranties

Our services are provided for informational and consultation purposes only and do not constitute specific financial advice for investment decisions.

Limitation of Liability

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

Our total liability for any claims shall not exceed the amount paid by you for services in the twelve months preceding the claim.

User Indemnification

You agree to indemnify and hold phorenquavil harmless from any claims arising from your use of our services or violation of these terms.

Dispute Resolution

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

Service Termination

Either party may terminate the service relationship at any time with appropriate notice as specified in your subscription agreement.

Upon termination, your access to services will cease, but these terms shall remain in effect for any ongoing obligations or disputes.

Terms Modifications

We reserve the right to modify these terms at any time, with material changes communicated to users through email or website notifications.

Continued use of our services after term modifications constitutes acceptance of the updated terms.

Severability and Waiver

If any provision of these disclaimers is found unenforceable, the remaining provisions shall continue in full force and effect.

If any provision of these terms is deemed unenforceable, the remaining provisions shall continue in full force and effect.

Complete Agreement

These terms, together with our Privacy Policy and service agreements, constitute the entire agreement between you and phorenquavil regarding your use of our services.