Terms and Conditions

Service Terms and Conditions

These Terms and Conditions govern your use of olmirenqathu's financial planning subscription service and website. By accessing our website or subscribing to our services, you agree to be bound by these terms.

Please read these terms carefully before using our services. Your use of our website and services constitutes acceptance of these terms.

These terms form a legally binding agreement between you and olmirenqathu Financial Planning Services.

Key Definitions

For the purposes of these Terms and Conditions, the following definitions apply:

• Service: Our monthly subscription financial planning service including consultations, analytical reviews, and planning guidance
• Subscriber: Any individual who has signed up for and maintains an active subscription to our financial planning service
• Website: The olmirenqathu.com website and all related pages, content, and functionality provided by our company
• Personal Information: Any information that identifies you personally, including financial information shared during consultations

Acceptable Use of Our Service

Your subscription grants you access to our financial planning services subject to the following conditions:

Permitted Uses

• Access consultation services for personal financial planning purposes
• Receive analytical reviews and planning recommendations
• Participate in scheduled consultation sessions as agreed

Prohibited Uses

• Sharing subscription access with unauthorized third parties
• Using our service for any illegal or unauthorized purpose
• Attempting to gain unauthorized access to our systems or other user accounts
• Providing false or misleading information during consultations

Your Responsibilities as a Subscriber

As a subscriber to our financial planning service, you agree to:

• Provide accurate and complete information necessary for effective financial planning
• Maintain the confidentiality of your account credentials
• Pay all subscription fees on time according to your chosen billing cycle
• Notify us promptly of any changes in your financial circumstances that may affect our recommendations

Intellectual Property Rights

All content, materials, and intellectual property related to our service remain the exclusive property of olmirenqathu Financial Planning Services.

Your subscription grants you a limited, non-exclusive license to use our service for personal financial planning purposes only.

You may not reproduce, distribute, or create derivative works from our proprietary content without written permission.

Privacy and Data Protection

We are committed to protecting your privacy and handling your personal information responsibly.

We collect and process personal information necessary to provide our financial planning services effectively.

For detailed information about our data practices, please review our Privacy Policy, which is incorporated into these terms by reference.

Subscription and Payment Terms

Our financial planning service operates on a monthly subscription basis with the following terms:

• Monthly subscription fee of $250 CAD, billed automatically on your billing date
• All fees are non-refundable once services have been accessed during a billing period
• You may cancel your subscription at any time, with cancellation taking effect at the end of your current billing cycle

Service Disclaimers

Our financial planning service is provided "as is" without warranties of any kind, express or implied.

We make no guarantees about specific financial outcomes or results from using our service.

Our liability is limited to the amount of subscription fees paid in the month when any claim arises.

User Indemnification

You agree to indemnify and hold harmless olmirenqathu and its employees from any claims arising from your use of our service.

This includes reasonable attorney fees and costs associated with defending against claims related to your use of our service.

Termination of Service

Either party may terminate the subscription service under the following conditions:

You may cancel your subscription at any time through your account settings or by contacting our support team

We may terminate your subscription for violation of these terms or non-payment of fees

Upon termination, your access to consultation services will end, but these terms will continue to apply to prior use of our service

Resolving Disputes

We are committed to resolving any disputes fairly and efficiently through the following process:

Small claims court proceedings and claims for intellectual property infringement are excluded from mandatory arbitration.

Applicable Law

These terms are governed by the laws of Canada and the Province of Ontario, without regard to conflict of law principles.

Canadian courts will have jurisdiction over any disputes not subject to arbitration.

Changes to These Terms

We reserve the right to modify these terms at any time to reflect changes in our service or legal requirements.

We will provide notice of material changes by email or through our website at least 30 days before they take effect.

Your continued use of our service after changes take effect constitutes acceptance of the modified terms.

Severability of Terms

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

Unenforceable provisions will be modified to the minimum extent necessary to make them enforceable while preserving the original intent.

Complete Agreement

These terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and olmirenqathu regarding our service.

These terms supersede all prior agreements, communications, and understandings related to your use of our service.

Contact Information for Terms

For questions about these Terms and Conditions, please contact us at: