Terms and Conditions of Service

Welcome to eklororina. These terms and conditions govern your use of our website and consultation services. By accessing our website or engaging with our services, you agree to be bound by these terms. Please read them carefully before proceeding.

These terms were last updated on October 11, 2025

Acceptance of Terms

By accessing eklororina's website, requesting information, scheduling consultations, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions, along with our Privacy Policy and any other policies referenced herein. If you do not agree with any part of these terms, you must discontinue use of our website and services immediately. Your continued use following any modifications to these terms constitutes acceptance of those changes.

Definitions

For purposes of these terms and conditions, the following definitions apply throughout this document:

• Services refers to all consultation services, website content, resources, tools, communications, and any other offerings provided by eklororina, whether delivered in person, remotely, or through digital platforms.
• User, you, or your refers to any individual or entity that accesses our website, requests information, engages our consultation services, or otherwise interacts with eklororina in any capacity.
• We, us, our, or eklororina refers to the business entity operating under the name eklororina, including all team members, consultants, contractors, and authorized representatives acting on our behalf.
• Content includes all information, text, images, designs, consultation materials, guides, and other intellectual property available through our services or website.

Use of Services

Our consultation services are designed to provide financial planning guidance based on information you share with us. You agree to use our services only for lawful purposes and in accordance with these terms. You are responsible for ensuring that information you provide is accurate and complete to the best of your knowledge.

Eligibility

Our services are intended for individuals who have reached the age of majority in their province of residence and have legal capacity to enter into binding agreements. By using our services, you represent and warrant that you meet these eligibility requirements.

We reserve the right to refuse service to anyone for any reason consistent with applicable Canadian law.

Your Responsibilities

As a user of eklororina's services and website, you agree to the following responsibilities:

• Provide accurate, current, and complete information during consultations and when using our website, updating us promptly if your circumstances change significantly.
• Maintain the confidentiality of any account credentials or access information provided to you and notify us immediately of any unauthorized access or security breaches.
• Use our services and website in a manner that does not violate any applicable laws, regulations, or the rights of others.
• Understand that consultation guidance is based on information you provide and your own decisions ultimately determine your financial outcomes, not our recommendations alone.

Prohibited Uses

You agree not to use our services or website for any of the following prohibited purposes:

• Attempting to gain unauthorized access to our systems, other user accounts, or computer networks connected to our services through hacking or any other means.
• Transmitting viruses, malware, or any other malicious code that could damage, interfere with, or compromise our services or other users' experience.
• Using our services to harass, abuse, threaten, or otherwise violate the legal rights of others, including privacy and publicity rights.
• Copying, reproducing, distributing, or creating derivative works from our proprietary content without explicit written permission.
• Impersonating any person or entity, or falsely stating or misrepresenting your affiliation with any person or organization.

Intellectual Property Rights

All content available through eklororina's website and services, including but not limited to text, graphics, logos, images, consultation materials, software, and compilations, is the property of eklororina or its content suppliers and is protected by Canadian and international copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use our services for their intended purpose only. This license does not include any right to reproduce, distribute, modify, or create derivative works from our content without explicit written permission.

Content You Provide

When you share information, provide feedback, submit testimonials, or communicate with us through any channel, you grant eklororina a perpetual, royalty-free license to use, reproduce, and publish that content for purposes related to providing and improving our services, subject always to our privacy commitments.

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 the Privacy Policy. We implement reasonable security measures to protect your information, though no method of transmission or storage is completely secure. Please review our Privacy Policy for comprehensive details about our data handling practices. View Privacy Policy

Disclaimers and Limitation of Liability

Please read this section carefully as it limits our liability and contains important information about the nature of our services:

Limitation of Liability Terms

To the maximum extent permitted by applicable Canadian law, eklororina and its team members shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our services, even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless eklororina, its team members, consultants, and affiliates from any claims, damages, losses, liabilities, and expenses, including reasonable legal fees, arising from your use of our services, your violation of these terms, or your violation of any rights of another party.

Dispute Resolution Procedures

In the event of any dispute arising from these terms or our services, the following procedures apply:

Governing Law and Jurisdiction

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Termination

We reserve the right to terminate or suspend your access to our services at any time, with or without cause, with or without notice, for any reason including breach of these terms. Upon termination, your right to use our services ceases immediately, though provisions regarding intellectual property, disclaimers, and limitations of liability survive termination.

Modifications

eklororina reserves the right to modify these terms at any time without prior individual notice. Changes become effective immediately upon posting to our website. Your continued use of our services after modifications constitutes acceptance of the updated terms. We recommend reviewing these terms periodically to stay informed of any changes.

Severability

If any provision of these terms is found to be invalid, illegal, or unenforceable under applicable Canadian law, that provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, severed from these terms. The remaining provisions shall continue in full force and effect.

Entire Agreement Clause

These terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and eklororina regarding use of our services and supersede all prior agreements, understandings, or communications, whether written or oral.

Questions About These Terms

If you have questions about these terms and conditions, require clarification on any provisions, or need to discuss any aspect of our service agreement, please contact us: