Terms and Conditions
Last Updated: August 7, 2025
Effective Date: August 7, 2025
Acceptance of Terms
By accessing and using the services provided by Hephaedigital, you agree to be bound by these Terms and Conditions. These terms govern your use of our website and financial planning services.
If you do not agree with any part of these terms, you must not use our services. Your continued use constitutes acceptance of any updates or modifications to these terms.
Definitions
For the purposes of these terms, the following definitions apply
- Services: Financial planning consultations, advice, and related services provided by Hephaedigital
- Client: Any individual or entity that engages our services
- Agreement: These Terms and Conditions plus any service agreements
- Personal Information: Information that identifies you as defined in our Privacy Policy
Service Description
We provide professional financial planning consultations designed to help clients understand their financial situation and develop strategies aligned with their goals. Our services include personalized analysis, strategic recommendations, and ongoing support.
All advice is provided for informational purposes and should be considered alongside consultation with other qualified professionals. We do not provide legal, tax, or accounting advice unless specifically licensed to do so.
Eligibility Requirements
To use our services, you must meet the following requirements
- Be at least 18 years of age
- Have legal capacity to enter into binding agreements
- Provide accurate and complete information during registration
Your Responsibilities
As a client, you agree to
Account Security
Maintain the confidentiality of your account information and notify us immediately of any unauthorized use
Information Accuracy
Provide complete and accurate financial information necessary for effective planning
Lawful Use
Use our services only for lawful purposes and in accordance with these terms
Prohibited Activities
You may not use our services to
- Engage in any illegal or fraudulent activities
- Provide false or misleading information
- Attempt to gain unauthorized access to our systems
- Use our services for commercial purposes without permission
- Violate any applicable laws or regulations
Intellectual Property
All content, materials, and intellectual property on our website and in our services remain the property of Hephaedigital or our licensors. This includes text, graphics, logos, and proprietary methodologies.
You may not reproduce, distribute, or create derivative works from our content without written permission. Personal use for your own financial planning is permitted.
Unauthorized use of our intellectual property may result in legal action
Privacy Policy
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. Privacy Policy.
Payment Terms
The following payment terms apply to our services
- Subscription fees are charged monthly in advance
- All fees include applicable taxes as required by law
- Payment is due on the subscription anniversary date each month
Disclaimers and Warranties
Service Disclaimer
Our services are provided "as is" without warranties of any kind. We make no guarantees about specific outcomes or results from our financial planning advice.
Past performance does not guarantee future results, and individual results may vary significantly based on personal circumstances and market conditions.
Limitation of Liability
To the fullest extent permitted by Canadian law
Our liability for any claims arising from our services is limited to the amount paid for services in the 12 months prior to the claim
We are not liable for indirect, consequential, or punitive damages regardless of the cause of action
Indemnification
You agree to indemnify Hephaedigital against any claims arising from your use of our services or violation of these terms, except where prohibited by law.
Dispute Resolution
We encourage direct communication to resolve any concerns. If formal dispute resolution is needed, the following process applies
Dispute Resolution Process
Disputes will be resolved through binding arbitration in accordance with the rules of the ADR Institute of Canada
Arbitration will be conducted in the province where services are provided, using English language proceedings
Alternative Resolution
For financial services complaints, you may also contact the Ombudsman for Banking Services and Investments
Visit OBSI Website: Visit OBSI website
Termination
Either party may terminate the service agreement with 30 days written notice. Upon termination, you remain responsible for any outstanding fees and must return any confidential materials.
We reserve the right to terminate services immediately for breach of these terms or for any illegal activity.
Governing Law
Canadian federal law and applicable provincial legislation
Changes to Terms
We may modify these terms at any time by posting updated terms on our website. Significant changes will be communicated via email to active clients.
Continued use of our services after changes constitutes acceptance of the modified terms.
Entire Agreement
These terms, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and Hephaedigital regarding the use of our services.
Contact Information
If you have questions about these terms or our services, please contact us using the information provided elsewhere on this website.
Company Name: Hephaedigital
Address: 789 King Street West, Entertainment District, Toronto, ON M5V 1M5
Email: contact@hephaedigital.com
Phone: +15143167087