Terms of Service

1. Acceptance of Terms

Welcome to Math Mandarin Financial. These Terms of Service ("Terms") govern your use of our website located at matemdarin.com and our financial coaching services. By accessing our website or using our services, you agree to be bound by these Terms.

If you disagree with any part of these Terms, then you may not access our website or use our services.

2. Description of Services

Math Mandarin Financial provides financial coaching and advisory services including:

• Personal financial planning and consultation
• Investment strategy development
• Retirement planning guidance
• Debt management advice
• Financial education and resources

Our services are provided for informational and educational purposes and should not be considered as a substitute for professional financial advice tailored to your specific circumstances.

3. Professional Relationship

The information and services provided by Math Mandarin Financial do not constitute a formal advisor-client relationship until a written agreement is executed. Until such time:

• No confidential relationship exists between you and Math Mandarin Financial
• We are under no obligation to keep information you provide confidential
• We may use general insights from conversations for business purposes

4. User Responsibilities

When using our website and services, you agree to:

• Provide accurate and complete information
• Use our services only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Not transmit viruses or malicious code
• Respect intellectual property rights
• Not use our services to harm others

5. Intellectual Property

The content on our website, including text, graphics, logos, images, and software, is the property of Math Mandarin Financial and is protected by Canadian and international copyright laws. You may not:

• Reproduce, distribute, or display our content without permission
• Use our trademarks or service marks without authorization
• Create derivative works based on our content
• Use our content for commercial purposes without consent

6. Disclaimers

6.1 General Disclaimer

The information provided on our website and through our services is for general informational purposes only. It should not be considered as personalized financial advice for your specific situation.

6.2 No Guarantee of Results

We do not guarantee that following our advice will result in improved financial outcomes. Financial decisions involve risk, and past performance does not guarantee future results.

6.3 Website Availability

We strive to maintain website availability but do not guarantee uninterrupted access. We may temporarily suspend access for maintenance or other reasons.

7. Limitation of Liability

To the fullest extent permitted by law, Math Mandarin Financial shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from your use of our website or services
• Any actions taken based on information from our website

Our total liability to you for all claims shall not exceed the amount paid by you for our services in the 12 months prior to the claim.

8. Indemnification

You agree to indemnify and hold harmless Math Mandarin Financial, its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of our website or services
• Your violation of these Terms
• Your violation of any third-party rights
• Any false or misleading information you provide

9. Privacy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of our website and services. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

10. Termination

We may terminate or suspend your access to our website and services immediately, without prior notice, for any reason, including breach of these Terms. Upon termination:

• Your right to use our services ceases immediately
• We may delete your account and data
• Provisions that should survive termination will remain in effect

11. 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. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by:

• Posting updated Terms on our website
• Updating the "Last updated" date
• Sending email notification for material changes

Your continued use of our services after changes become effective constitutes acceptance of the new Terms.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms will otherwise remain in full force and effect.

14. Contact Information

If you have any questions about these Terms, please contact us:

15. Entire Agreement

These Terms constitute the entire agreement between you and Math Mandarin Financial regarding the use of our website and services, superseding any prior agreements or understandings, whether written or oral.