Terms of Service

1. Agreement to Terms

By accessing or using Life Money Financial Advisory services, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access our services.

2. Services Description

Life Money provides financial planning and advisory services including:

• Divorce financial planning
• Inheritance and estate planning
• Business sale planning
• Severance and job transition planning
• General financial consultation

3. Professional Disclaimer

4. Client Responsibilities

As our client, you agree to:

• Provide accurate and complete information
• Promptly notify us of any changes to your financial situation
• Review and understand all recommendations before implementation
• Maintain confidentiality of any proprietary information shared

5. Fees and Payment

Our fee structure will be clearly communicated before engagement. Fees may include:

• Initial consultation fees (if applicable)
• Project-based fees for specific services
• Ongoing advisory fees
• Additional services as agreed upon

6. Limitation of Liability

To the maximum extent permitted by law, Life Money shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our services, even if we have been advised of the possibility of such damages.

7. Confidentiality

We maintain strict confidentiality of all client information. Information will only be disclosed with your consent or as required by law. Our confidentiality obligations survive termination of our relationship.

8. Intellectual Property

All content, materials, and intellectual property on our website and in our services remain the property of Life Money. You may not reproduce, distribute, or create derivative works without our written permission.

9. Termination

Either party may terminate the advisory relationship with written notice. Upon termination, all outstanding fees become immediately due. We will provide reasonable assistance in transitioning your affairs.

10. Governing Law

These Terms of Service are governed by the laws of Ontario, Canada. Any disputes shall be resolved in the courts of Ontario.

11. Contact Information

12. Amendments

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Your continued use of our services constitutes acceptance of revised terms.