Terms and Conditions of Service
These Terms and Conditions govern your use of our financial planning services and website.
Effective Date: September 12, 2025
Acceptance of Terms
By accessing our website or using our services, you agree to be bound by these Terms and Conditions.
These terms constitute a legally binding agreement between you and cerenalyvos Financial Planning Services.
Description of Services
cerenalyvos Financial Planning provides subscription-based financial planning consultation services designed to help clients make informed financial decisions.
- Personalized financial consultation sessions and strategic planning discussions
- Analysis and review of financial situations with written recommendations
- Ongoing support and periodic check-ins as part of subscription packages
User Responsibilities
As a user of our services, you agree to the following responsibilities and obligations.
- Provide accurate and complete information during consultations
- Maintain the confidentiality of any access credentials provided
- Use our services only for lawful purposes and in accordance with these terms
- Notify us promptly of any changes in your financial situation that may affect our recommendations
- Make your own independent decisions regarding any recommendations provided
Prohibited Uses
You may not use our services for any of the following prohibited purposes.
- Any unlawful purpose or to solicit others to perform unlawful acts
- Attempting to gain unauthorized access to our systems or other users' accounts
- Interfering with or disrupting our services or servers
- Sharing confidential information obtained through our services with unauthorized parties
Intellectual Property Rights
All content on our website and in our services, including text, graphics, logos, and software, is the property of cerenalyvos Financial Planning and is protected by copyright and other intellectual property laws.
All materials are protected under Canadian and international copyright laws. Unauthorized use is prohibited.
Payment Terms and Billing
The following terms apply to all payments and billing for our subscription services.
Subscription Fees
Monthly subscription fees of $250 CAD are charged in advance and are non-refundable except as required by applicable consumer protection laws.
Billing Cycle
Subscriptions are billed monthly on the anniversary date of your initial subscription. All fees are inclusive of applicable taxes.
Refund Policy
Refunds are not generally provided for subscription services, except where required by consumer protection legislation or in cases of service failure on our part.
Termination of Services
Either party may terminate the service relationship under the following circumstances.
- You may cancel your subscription at any time with 30 days written notice
- We may terminate services for breach of these terms after providing reasonable notice
- Either party may terminate immediately in cases of material breach or illegal activity
Limitation of Liability
Our liability to you is limited to the maximum extent permitted by law. We are not liable for any indirect, incidental, or consequential damages arising from your use of our services.
Services are provided "as is" without warranties of any kind, either express or implied, including fitness for a particular purpose.
Dispute Resolution
We prefer to resolve disputes amicably, but formal mechanisms are available if needed.
Arbitration Process
Disputes that cannot be resolved through direct negotiation may be subject to binding arbitration under the rules of the applicable Canadian arbitration authority.
European Union Online Dispute Resolution
EU residents may access the European Commission's Online Dispute Resolution platform for consumer disputes.
Applicable Laws
This disclaimer and all related matters are governed by the laws of Canada and the province in which our services are provided.
Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy, which governs how we collect, use, and protect your personal information. Privacy Policy
Modifications to Terms
We may update these Terms and Conditions periodically. Material changes will be communicated through email or website notification with at least 30 days notice.
Entire Agreement
These Terms and Conditions, along with our Privacy Policy and any other referenced documents, constitute the entire agreement between you and cerenalyvos Financial Planning Services.
Contact Us About Cookies
For questions about these Terms and Conditions, contact us at contact@cerenalyvos.com or +1-927-477-088.