Terms and Conditions of Service

Please review these terms before using our subscription planning service. They outline your rights and responsibilities.

September 3, 2025

Acceptance of terms

By accessing or using our website and services, you agree to be bound by these terms and all applicable policies. Continued use indicates acceptance of any updates.

Definitions

Key terms used in these conditions are explained below.

• ‘Service’ refers to our ongoing subscription-based financial planning guidance.
• ‘User’ means any person accessing or using our site or planning service.
• ‘Subscription’ is the monthly agreement for ongoing planning and support.
• ‘Advisor’ is any team member providing guidance or support.

Service use

Our service is intended for Canadian residents seeking regular planning support. All use must comply with these terms and local laws.

Eligibility

You must be at least 18 years old and legally capable to enter into a contract to use our service.

Service is limited to Canadian residents.

User responsibilities

Users are expected to act in accordance with these terms and all applicable laws.

• Keep your account credentials confidential and secure at all times.
• Provide accurate and up-to-date information during registration and use.
• Use the service only for lawful, personal, or business planning purposes.
• Notify us immediately of any unauthorized account access or issues.

Prohibited uses

Do not misuse the service. Specifically, users may not:

• Attempt to gain unauthorized access to the website or systems.
• Use the service for fraudulent, illegal, or misleading activities.
• Reverse engineer, copy, or resell any part of the service.
• Transmit malicious code or disrupt site functionality.
• Misrepresent your identity or relationship with the service.

Intellectual property rights

All content, branding, and materials on this website are the exclusive property of igavenorius.com or its licensors. Unauthorized use, copying, or distribution is strictly prohibited.

User content

You are responsible for any content you submit or upload to our site. We may remove any content that violates these terms.

Privacy and data protection

Your use of our service is subject to our Privacy Policy, which explains how we collect, use, and protect your data. Privacy policy

Disclaimer of warranties

Our service is provided as is, without warranties of any kind. Results may vary.

Limitation of liability

We are not liable for indirect or consequential damages arising from your use of the service, as permitted by law.

Indemnification

You agree to indemnify us against claims related to your use of the service or breach of these terms.

Dispute resolution

Disputes will be resolved through negotiation or, if necessary, arbitration in Ontario.

Applicable law and jurisdiction

Canadian and Ontario laws govern these terms and any disputes.

Termination

We may suspend or terminate service for violations of these terms or laws. You may cancel your subscription with notice.

Modifications

We reserve the right to update these terms. Continued use after changes indicates acceptance.

Severability

If any term is invalid, remaining provisions remain effective.

Entire agreement

These terms and referenced policies form the entire agreement between you and igavenorius.com.

Contact for terms or issues

If you have questions about these terms, please contact our team.