Important Disclaimers and Notices
Please read these disclaimers carefully before using our services or relying on any information provided through our platform.
Past performance does not guarantee future results.
All financial decisions involve risk, and individual circumstances may affect outcomes.
Last Updated: August 15, 2025
General Information Disclaimer
The information provided on this website is for general informational purposes only and should not be considered as personalized financial advice. Every individual's financial situation is unique, and what works for one person may not be suitable for another.
Nothing on this website constitutes professional financial, legal, or tax advice. Always consult with qualified professionals before making any financial decisions or implementing any strategies discussed on this platform.
Information Accuracy and Completeness
While we strive to provide accurate and up-to-date information, we make no representations or warranties about the completeness, accuracy, or reliability of any information on this website.
- Information may become outdated due to changing market conditions or regulatory updates
- Third-party data sources may contain errors or inaccuracies beyond our control
- Market conditions and financial regulations change frequently and may affect the relevance of provided information
Limitation of Liability
By using our services, you acknowledge and agree to the following limitations on our liability.
No Liability for Decisions
We are not liable for any financial decisions made based on information provided through our services. All decisions remain your sole responsibility, and you should conduct your own research and due diligence.
Indirect and Consequential Damages
Under no circumstances shall we be liable for any indirect, incidental, special, or consequential damages arising from your use of our services, including but not limited to lost profits or financial losses.
Maximum Liability Limit
Our total liability to you for any claims arising from our services shall not exceed the total amount you have paid to us in the twelve months preceding the claim.
Financial Services Disclaimer
Our financial planning services are provided for informational and consultation purposes only. The following important considerations apply to all our services.
- We do not provide investment management services or directly handle client funds
- All recommendations are general in nature and may not be suitable for your specific circumstances
- Market conditions can change rapidly, affecting the relevance of any planning strategies discussed
- Tax implications vary by individual situation and are subject to changing legislation
Individual results may vary based on personal circumstances, market conditions, and implementation of recommendations.
External Links and Third-Party Resources
Our website may contain links to external websites and third-party resources for your convenience and additional information.
The inclusion of any link does not imply endorsement of the external site or its content. We are not responsible for the content, accuracy, or practices of linked websites.
Client Testimonials and Success Stories
Any testimonials or success stories shared on our website represent individual experiences and outcomes.
These examples should not be considered typical or guaranteed results, as individual circumstances vary significantly and outcomes depend on numerous factors beyond our control.
Jurisdiction and Governing Law
These disclaimers and your use of our services are governed by Canadian law and regulations.
Applicable Laws
This disclaimer and all related matters are governed by the laws of Canada and the province in which our services are provided.
Provincial Variations
Some provisions may vary based on provincial regulations and local financial services requirements where applicable.
Dispute Resolution
Any disputes arising from these disclaimers or our services shall be resolved through appropriate Canadian legal channels and jurisdiction.
Indemnification
You agree to indemnify and hold harmless cerenalyvos Financial Planning, its employees, and partners from any claims, damages, or expenses arising from your use of our services or violation of these terms.
Severability
If any provision of this disclaimer is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect.
Changes to This Disclaimer
We reserve the right to update this disclaimer at any time. Changes will be posted on this page with an updated revision date.
Contact Information
If you have questions about this disclaimer or our services, please contact us using the information below.