Terms of Use

1. Acceptance and Scope of Agreement

These Terms of Use ("Terms") govern your access to and use of the Solintos Forandro website located at solintosforandro.vip ("Website"), our financial advisory services, investment planning resources, and all related content, features, and functionality. Solintos Forandro, a Canadian financial services company headquartered at 2086 Avenue Chartier, Dorval, QC H9P 1H2, Canada ("Company," "we," "us," or "our"), provides these services subject to your compliance with these Terms.

Your continued use of our Website and services constitutes ongoing acceptance of these Terms, including any modifications we may make from time to time. If you disagree with any portion of these Terms, you must discontinue use of our services immediately.

Modifications to Terms

We reserve the right to modify, update, or replace these Terms at any time without prior notice. Changes will be effective immediately upon posting on our Website. We will update the "Last Updated" date at the top of this document to reflect any changes. Your continued use of our services after any such changes constitutes acceptance of the new Terms.

2. Description of Services

Solintos Forandro provides comprehensive financial advisory services focused on investment goal planning and wealth management strategies. Our services include but are not limited to:

• Investment planning and portfolio analysis
• Retirement planning and wealth preservation strategies
• Educational resources and financial literacy content
• Market research and investment opportunity assessments
• Risk assessment and management consultation
• Tax-efficient investment planning within Canadian regulations

All financial advice and recommendations are provided based on individual circumstances and market conditions as they exist at the time of consultation. Past performance does not guarantee future results, and all investments carry inherent risks.

Service Limitations

Our services are intended for educational and advisory purposes. We do not provide legal advice, tax preparation services, or insurance products. For comprehensive financial planning, you may need to consult with additional professionals including tax advisors, estate planning attorneys, or insurance specialists.

3. User Responsibilities and Obligations

As a user of our services, you agree to the following responsibilities and obligations:

• Accurate Information: You must provide accurate, current, and complete information when requested. Any false or misleading information may result in termination of services.
• Account Security: You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account.
• Compliance with Laws: You must comply with all applicable local, provincial, and federal laws and regulations when using our services.
• Professional Use: Our services are intended for legitimate financial planning purposes only.

Prohibited Activities

You agree not to engage in any of the following prohibited activities:

1. Using our services for any unlawful purpose or in violation of these Terms
2. Attempting to gain unauthorized access to our systems, networks, or user accounts
3. Interfering with or disrupting our services or servers
4. Transmitting viruses, malware, or other harmful code
5. Impersonating other individuals or entities
6. Collecting or harvesting personal information from other users
7. Using automated systems to access our services without permission

4. Financial Disclaimers and Risk Warnings

Our financial advice and recommendations are based on information available at the time of consultation and our professional judgment. Market conditions, economic factors, and regulatory changes can significantly impact investment performance. You should carefully consider your financial situation, investment objectives, and risk tolerance before making any investment decisions.

No Guarantees

We do not guarantee specific investment returns, performance outcomes, or financial results. All projections, forecasts, and estimates are forward-looking statements that involve risks and uncertainties. Actual results may differ materially from any projections or estimates provided.

Regulatory Compliance

Solintos Forandro operates in compliance with Canadian financial services regulations. Our advisors hold appropriate licenses and certifications as required by provincial and federal authorities. However, regulatory requirements may change, and we reserve the right to modify our services to maintain compliance.

5. Intellectual Property Rights

The Website and its content, including but not limited to text, graphics, images, logos, audio clips, video clips, data compilations, and software, are the property of Solintos Forandro or its content suppliers and are protected by Canadian and international copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Website and services for personal, non-commercial purposes in accordance with these Terms. This license does not include any right to:

• Reproduce, distribute, or publicly display our content
• Create derivative works based on our materials
• Use our trademarks, service marks, or trade names
• Reverse engineer or attempt to extract source code from our software

6. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our data practices as described in our Privacy Policy.

Data Security

We implement appropriate technical and organizational security measures to protect your personal and financial information. However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Solintos Forandro, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of our services.

Our total liability to you for all claims arising out of or relating to these Terms or your use of our services shall not exceed the amount you paid to us for services during the twelve-month period preceding the claim.

Professional Standards

While we maintain professional standards and strive to provide accurate information and sound financial advice, we cannot be held liable for investment losses or financial decisions made based on our recommendations. All investment decisions remain your responsibility.

8. Indemnification

You agree to indemnify, defend, and hold harmless Solintos Forandro, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

1. Your use of our services
2. Your violation of these Terms
3. Your violation of any applicable laws or regulations
4. Your violation of any third-party rights

9. Termination

Either party may terminate this agreement at any time with or without cause. Upon termination, your right to use our services will cease immediately. We reserve the right to suspend or terminate your access to our services if you violate these Terms or engage in conduct that we determine to be inappropriate or harmful to our business or other users.

Effect of Termination

Upon termination of your access to our services, any outstanding obligations or liabilities incurred prior to termination shall survive. Sections relating to intellectual property, limitation of liability, indemnification, and governing law shall survive termination of this agreement.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the courts of Quebec, Canada.

11. Dispute Resolution

Before pursuing formal legal action, we encourage you to contact us directly to resolve any disputes. We are committed to working with our clients to address concerns promptly and fairly. If informal resolution is not possible, disputes may be resolved through binding arbitration in accordance with the rules of the ADR Institute of Canada.

12. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. These Terms, together with our Privacy Policy and any other legal notices published on our Website, constitute the entire agreement between you and Solintos Forandro regarding your use of our services.