Terms and conditions for subscribers

These terms outline your rights and responsibilities as a subscriber to our financial planning service. By using our site or subscribing, you agree to comply with these conditions.

September 30, 2025

Acceptance of terms

By accessing or subscribing, you accept these terms. Please read carefully and contact us with questions before proceeding. Continued use signals your agreement.

Definitions

Here’s what some key terms mean in this document:

‘Service’ means our ongoing subscription for financial planning.

‘Subscriber’ or ‘you’ refers to any individual using or purchasing our service.

‘We’, ‘us’, or ‘our’ means the zarapyriafivoex team providing the service.

‘Site’ refers to our website at zarapyriafivoex.com.

Service usage guidelines

You agree to use our subscription for personal planning purposes only and not for resale or unauthorized advice.

Eligibility

You must be a Canadian resident and at least 18 years old to subscribe. Services are not offered to minors or non-residents.

Proof of residency may be required.

Your responsibilities

Subscribers must provide accurate information and update us if details change.

Keep your subscription and contact details current.
Respect privacy and confidentiality agreements.
Use the service only for personal guidance.
Promptly notify us of any unauthorized access or security issues.

Prohibited uses

Certain actions are not allowed on our site or service.

Using our site for unlawful activities or to solicit illegal acts.
Uploading false, misleading, or confidential information without consent.
Attempting to breach our security or interfere with operations.
Copying, duplicating, or selling any content or features.
Transferring your subscription to another person without permission.

Intellectual property rights

All content on our site is owned by us or licensed. You may not reproduce or distribute it without consent.

User-submitted content

You’re responsible for anything you submit or share on our site.

Your rights over your content

You keep your rights but grant us limited permission to use your submissions to provide services.

Privacy policy and practices

We protect your data as described in our privacy policy. Please review it regularly for updates and details on your rights.

View privacy policy

Disclaimer and important notices

Our services are advisory only. Specific results are not promised, and outcomes may differ for each person.

Important notice

Nothing on this site guarantees a particular financial outcome. Results may vary and depend on your situation.

Limitations of liability

We are not liable for losses resulting from your use of our service or site. Use is at your own risk.

Indemnification

You agree to hold us harmless from claims arising from your use of our site or service.

Dispute resolution process

Disputes will be handled under Canadian law. Please contact us before taking legal steps.

Arbitration

Some disputes may be arbitrated, subject to applicable Canadian law and agreement by both parties.

Contact us to discuss arbitration options if needed.

Online dispute resolution

You may use Canadian online dispute resolution services for eligible issues.

Learn more about dispute resolution

Severability

If part of these terms is unenforceable, the remainder still applies.

Entire agreement

These terms form the entire agreement between you and us. No other representations apply.

Applicable law and jurisdiction

Canadian laws apply to your use of our service and site.

Termination

We reserve the right to suspend or end subscriptions for violations. You may cancel anytime without penalty.

Modifications

Terms may change periodically. Check for updates before each renewal.

Contact us for questions

If you have questions about these terms, please contact us.

Email address: content@zarapyriafivoex.com

Phone: +1 (816) 312-2800

Mailing address: 2001 Boulevard Robert-Bourassa, Montreal, QC H3A 2A6 Canada

Effective date: September 30, 2025

Version: 2.3