Terms and Conditions Overview
Read these terms carefully, as they set out the rights and responsibilities for use of our consultation services. Continued site use implies acceptance of all conditions herein.
Last updated October 22, 2025
Acceptance of Terms
By using this site or communicating with us, you acknowledge full acceptance of these terms. Please review regularly as updates are binding upon publication. Service is provided in alignment with Canadian law and all industry standards.
Definitions
Some terms have specific meanings to ensure clarity within this agreement. Review these carefully.
“Service” means personalized value-based budgeting consultations provided by our team on a non-advisory basis.
“User” means any individual accessing or communicating through this website or related consultation service.
“Content” refers to all written, visual, and interactive materials contained or provided on this site.
“Agreement” means these Terms and Conditions governing your use of the service and site.
Use of Service
The website and consultations are available to adults in Canada for informational use and personal financial planning discussions. We offer analytical reviews and do not promise outcomes.
Eligibility
To use our services, you must be at least 18 years of age and act on your own behalf. Misrepresentation of age or capacity can result in termination of access.
IDs or verification may be requested for security.
User Responsibilities
By accessing our site, you agree to interact honestly, provide accurate details, and use the service responsibly.
Prohibited Actions
Any misuse of the website or consultation service is strictly forbidden.
Intellectual Property Rights
All site content is protected under copyright and intellectual property law. Content may not be reproduced or repurposed without written permission. User content submitted remains the property of the user, with non-exclusive use granted to us for service provision.
User Content
You are responsible for messages uploaded or sent, ensuring they comply with site policies and do not infringe others’ rights.
Your Content Rights
You may request correction or removal of content you have submitted, alongside accessing privacy rights outlined elsewhere.
Privacy Policy
All information submitted is handled according to our privacy policy. Please read this separate document carefully to understand data handling practices.
Read Privacy PolicyDisclaimer Statement
Services and written content are for informational purposes only and do not constitute advice. Results may vary according to user circumstances.
Risks and Limitations
No outcome or financial improvement is promised. Decisions made following consultations remain the client’s responsibility.
Limitation of Liability
Our team is not liable for any damages or losses arising from reliance on site information, service interaction, or consultation outcomes.
Indemnification
Users agree to hold us harmless for any claims arising from misuse, breach, or unauthorized activities while using the site or services.
Resolving Disputes
Any concerns or disputes should first be addressed directly with our team.
Arbitration
Disputes unresolved after discussion may proceed to binding arbitration located within Canada.
Engagement in arbitration does not limit statutory rights available under Canadian law.
Online Dispute Resolution
Consumers may pursue disputes through available Canadian online resolution mechanisms. Details will be provided upon request.
See online dispute noticeSeverability
If any part of this agreement is deemed unenforceable, remaining terms remain in effect.
Entire Agreement Notice
These terms represent the complete agreement between you and us regarding the use of this site and service.
Governing Law Clause
All terms are interpreted in accordance with the laws of Canada and relevant jurisdictions.
Termination
We reserve the right to suspend site or service access for breach of terms or misuse. User data handling follows our privacy policy.
Amendments
We may modify these terms at any time. Continued site use after posted changes implies ongoing agreement.
Contact for Terms Questions
If you have questions on these terms or your rights, contact us using the details below.
Email: content@trylvenaro.sbs
Phone: +1 (380) 278-7658
Address: 442 Saint-Gabriel Street, Suite 100, Montreal, QC H2Y 2Z9 Canada
Effective Date: October 22, 2025
Version: 2.3