Terms & Conditions

Welcome to assetframework. These Terms and Conditions ("Terms") govern your access to and use of our website assetframework.life and the services we provide. By accessing or using our website, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing and using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must not use our website or services.

2. Description of Services

assetframework provides money management and budgeting educational services, consulting, and coaching. Our services are designed to help individuals better understand and manage their personal finances. We provide information, guidance, and strategies but do not provide financial advice, investment recommendations, or guarantee specific financial outcomes.

3. Eligibility

You must be at least 18 years of age to use our services. By using our website and services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

4. User Obligations

When using our website and services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of any account credentials
• Use the services only for lawful purposes
• Not engage in any activity that interferes with or disrupts the services
• Not attempt to gain unauthorized access to any portion of the website
• Not use the services to transmit any harmful or malicious code

5. Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is the property of assetframework or its content suppliers and is protected by Canadian and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

6. Service Limitations

You acknowledge and agree that:

• Our services are educational and informational in nature
• We do not provide professional financial, investment, legal, or tax advice
• Results from using our services may vary based on individual circumstances
• We do not guarantee any specific financial outcomes or results
• You should consult with qualified professionals for specific financial advice

7. Payment and Fees

Certain services may require payment of fees. All fees are quoted in Canadian Dollars (CAD) unless otherwise stated. Payment terms will be clearly communicated before you purchase any services. All sales are final unless otherwise stated in a separate agreement.

8. Limitation of Liability

To the fullest extent permitted by law, assetframework and its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our website or services, even if we have been advised of the possibility of such damages.

In no event shall our total liability to you for all damages exceed the amount you paid to us in the twelve (12) months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless assetframework and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or related to your violation of these Terms or your use of our services.

10. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or secure, or that any defects will be corrected.

11. Third-Party Links

Our website may contain links to third-party websites that are not owned or controlled by assetframework. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. You access third-party websites at your own risk.

12. Termination

We reserve the right to suspend or terminate your access to our website and services at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason in our sole discretion.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of the website after such changes constitutes your acceptance of the new Terms.

14. 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 regard to conflict of law principles. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts located in Toronto, Ontario.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid or unenforceable provision shall be replaced with a valid provision that most closely matches the intent of the original provision.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on this website, constitute the entire agreement between you and assetframework regarding your use of our website and services.