Terms of Service

1. Acceptance of Terms

By accessing and using this website or engaging our services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service may be updated from time to time without notice. Your continued use of our website and services constitutes acceptance of any changes.

2. Description of Services

Car Tricks Financial provides comprehensive financial planning services to Canadian residents, including but not limited to:

• Retirement planning and strategy development
• Investment management and portfolio construction
• Tax optimization planning
• Insurance needs analysis and planning
• Estate planning coordination
• Financial education and coaching

Professional Standards

Our services are provided by qualified financial professionals who adhere to industry standards and regulatory requirements. We are committed to acting in our clients' best interests and maintaining the highest standards of professional conduct.

3. Client Responsibilities

Information Accuracy

You agree to:

• Provide accurate, complete, and current information about your financial situation
• Promptly notify us of any material changes to your circumstances
• Update your contact information as needed
• Review all documents and recommendations carefully

Decision Making

You acknowledge that:

• All investment and financial decisions are ultimately your own
• You are responsible for understanding the risks associated with any recommendations
• Past performance does not guarantee future results
• You should seek independent advice when necessary

4. Fees and Payment

Service Fees

Our fee structure will be clearly disclosed to you before any services are provided. Fees may include:

• Hourly consultation fees
• Project-based planning fees
• Asset-based management fees
• Commission-based compensation for certain products

Payment Terms

• Fees are due as outlined in your service agreement
• Payment may be required in advance for certain services
• Late payment may result in service suspension
• Disputed fees should be raised promptly

5. Confidentiality

Our Commitment

We are committed to maintaining the confidentiality of your personal and financial information. We will not disclose your information without your consent, except as required by law or regulatory authorities.

Your Responsibilities

You are responsible for:

• Safeguarding login credentials and account access
• Notifying us immediately of any security breaches
• Ensuring secure communication when sharing sensitive information

6. Disclaimers and Limitations

Investment Risks

You acknowledge that:

• All investments involve risk, including the potential loss of principal
• Market conditions can change rapidly and unpredictably
• Past performance is not indicative of future results
• Economic and political factors can affect investment outcomes

No Guarantees

We do not guarantee:

• Specific investment returns or outcomes
• That financial goals will be achieved
• Protection against market losses
• The performance of recommended strategies

Limitation of Liability

To the maximum extent permitted by law, Car Tricks Financial's liability is limited to the fees paid for our services. We are not liable for indirect, consequential, or punitive damages.

7. Website Use

Permitted Use

You may use our website for:

• Learning about our services
• Reading educational content
• Contacting us for information
• Accessing client portal (if applicable)

Prohibited Activities

You may not:

• Use the website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with website operation or security
• Copy, reproduce, or distribute content without permission
• Use automated systems to access the website

8. Intellectual Property

Our Content

All content on this website, including text, graphics, logos, and images, is the property of Car Tricks Financial and is protected by copyright and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive license to access and use our website for personal, non-commercial purposes. This license does not include the right to:

• Modify or create derivative works
• Distribute or republish content
• Use content for commercial purposes
• Remove copyright or proprietary notices

9. Third-Party Links and Services

Our website may contain links to third-party websites or references to third-party services. We do not endorse or assume responsibility for:

• The content or practices of external websites
• The performance of third-party service providers
• The accuracy of external information
• Privacy practices of other organizations

10. Termination

Termination by You

You may terminate our services at any time by providing written notice. You remain responsible for:

• Fees for services already provided
• Outstanding obligations under existing agreements
• Proper transfer of accounts and assets

Termination by Us

We may terminate services with appropriate notice if:

• You breach these terms of service
• You fail to pay fees when due
• We are unable to provide suitable services
• Required by law or regulation

11. Dispute Resolution

Initial Resolution

If you have a complaint or dispute, please contact us directly. We are committed to resolving issues promptly and fairly.

Regulatory Complaints

If you are not satisfied with our response, you may file a complaint with relevant regulatory authorities, including:

• Investment Industry Regulatory Organization of Canada (IIROC)
• Provincial securities commissions
• Financial Consumer Agency of Canada (FCAC)

Governing Law

These terms are governed by the laws of Ontario, Canada. Any disputes will be subject to the jurisdiction of Ontario courts.

12. Professional Associations and Compliance

Car Tricks Financial operates in compliance with:

• Provincial securities legislation
• Financial Planning Standards Council (FPSC) requirements
• Insurance regulatory requirements
• Privacy legislation (PIPEDA)
• Anti-money laundering regulations

13. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective when posted on our website. Material changes will be communicated to clients through:

• Email notification
• Written notice with account statements
• Discussion during regular client meetings

14. Contact Information

If you have questions about these Terms of Service, please contact us:

We will respond to your inquiry promptly and work to address any concerns you may have.