1. Acceptance of Terms

By accessing and using the services provided by solenivorixa ("we," "our," or "us"), 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 apply to all visitors, users, and others who access or use our retirement planning and pension consultation services. We reserve the right to update and change the Terms of Use from time to time without notice. Any new features that augment or enhance the current service shall be subject to the Terms of Use.

2. Description of Service

solenivorixa provides retirement planning consultation, pension analysis, and financial guidance services to clients across Canada. Our services include but are not limited to:

• Retirement planning strategy development and review
• Pension plan analysis and optimization recommendations
• Financial consultation regarding retirement savings
• Educational resources and planning tools
• Ongoing support and periodic plan reviews

All services are provided for informational and consulting purposes. We do not guarantee specific financial outcomes or investment returns.

3. User Obligations and Conduct

As a user of our services, you agree to provide accurate, current, and complete information during the consultation process. You are responsible for maintaining the confidentiality of any account information and passwords associated with your account.

You agree not to use the service to:

• Transmit any content that is unlawful, harmful, threatening, or harassing
• Impersonate any person or entity or falsely state your affiliation
• Interfere with or disrupt the service or servers connected to the service
• Attempt to gain unauthorized access to any portion of the service

4. Privacy and Data Protection

We take your privacy seriously and are committed to protecting your personal information. All financial information, personal data, and consultation details you provide are handled in accordance with applicable Canadian privacy laws and our internal privacy policies.

We may collect information about your financial situation, retirement goals, and current pension arrangements solely for the purpose of providing you with appropriate consultation services. This information will not be shared with third parties without your explicit consent, except as required by law.

5. Service Limitations and Disclaimers

While we strive to provide accurate and helpful retirement planning guidance, our services are consultative in nature. We do not provide investment advice or manage investment portfolios directly. All recommendations are based on general financial planning principles and your specific situation as presented to us.

Financial planning involves uncertainty and risk. Past performance does not guarantee future results. Economic conditions, market fluctuations, and changes in government policies can affect retirement planning outcomes.

• We make no guarantees about specific financial outcomes
• Our recommendations are based on information you provide
• You are responsible for implementing any suggested strategies
• Regular review and adjustment of plans may be necessary

6. Fees and Payment Terms

Our consultation fees are clearly outlined before any service begins. Payment is typically required prior to scheduled consultation sessions. We accept various payment methods as indicated during the booking process.

Cancellation of scheduled appointments must be made at least 24 hours in advance to avoid charges. Refund policies are applied based on the specific service package and timing of cancellation requests.

7. Intellectual Property Rights

All content provided through our service, including consultation materials, planning templates, educational resources, and analytical tools, remains the intellectual property of solenivorixa. You may use these materials for your personal retirement planning purposes but may not redistribute or commercialize them.

Any customized retirement plans or pension analyses created for you may be retained by you for personal use but remain based on our proprietary methodologies and frameworks.

8. Limitation of Liability

solenivorixa shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our service.

Our total liability to you for any damages arising from or related to these terms or your use of our service shall not exceed the amount you have paid us in the twelve months preceding the incident.

9. Termination

Either party may terminate the service relationship at any time with reasonable notice. We reserve the right to terminate or suspend access to our service immediately if you breach any of these terms.

Upon termination, your right to use the service will cease immediately. However, any retirement plans or documentation you have received remain available for your continued personal use.

10. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of Alberta, Canada, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of our service shall be resolved through the courts of Alberta.

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