Terms and Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your use of the website located at cognelunarium.com ("Website") and the financial consulting services ("Services") offered by FinConsult ("we", "us", or "our"). By accessing our Website or using our Services, you agree to be bound by these Terms.

2. Acceptance of Terms

By accessing this Website, you are agreeing to be bound by these Terms, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these Terms, you are prohibited from using or accessing this Website.

3. Services Description

FinConsult provides financial education and consulting services. Our Services are purely educational and informational in nature. We do not provide specific investment advice, make recommendations to buy or sell specific securities, or promise any financial results.

4. Eligibility

You must be at least 18 years old to use our Services. By agreeing to these Terms, you represent and warrant that you are at least 18 years of age.

5. User Account

If you create an account on our Website, you are responsible for maintaining the security of your account and for all activities that occur under the account. You must immediately notify us of any unauthorized uses of your account or any other breaches of security.

6. Fees and Payment

Fees for our Services are listed on our Website. All fees are in Canadian dollars and are non-refundable unless otherwise specified. We reserve the right to change our fees at any time with notice posted on our Website.

7. Intellectual Property

The content, organization, graphics, design, compilation, and other matters related to the Website are protected under applicable copyrights, trademarks, and other proprietary rights. Copying, redistribution, use, or publication by you of any such matters or any part of the Website is strictly prohibited without our express prior written permission.

8. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall FinConsult, its affiliates, officers, directors, employees, or agents be liable for any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, that result from the use of, or inability to use, the Services.

9. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis without any warranties of any kind, including that the Services will operate error-free or that the Services, their servers, or content are free of computer viruses or similar contamination or destructive features.

10. Indemnification

You agree to indemnify, defend, and hold harmless FinConsult, its officers, directors, employees, agents, and third parties from and against all losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from any violation of these Terms or any activity related to your account.

11. Termination

We reserve the right to terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach these Terms.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will always post the most current version of these Terms on our Website. By continuing to use our Services after any changes have been made, you agree to be bound by the revised Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without giving effect to any principles of conflicts of law.

14. Contact Information

If you have any questions about these Terms, please contact us at:

FinConsult
251 King Street East
Toronto, ON M5A 1J9
Canada
Email: [email protected]
Phone: +1 (416) 739-4062