Terms and Conditions

Last updated: March 10^th 2026

These Terms and Conditions (“Terms”) govern your access to and use of the website located at https://finspirecpa.com/ (the “Website”).

The Website is operated by Finspire Consulting Inc. and may also reference or be used in connection with
Finspire, Chartered Professional Accountant (collectively, “Finspire,” “we,” “us,” “our”), as applicable.

By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, do not use the Website.

1. Website Purpose and No Professional Relationship

The Website provides general information about our services and may include resources such as articles, checklists, templates, downloads, and other materials (“Materials”).

No client relationship is created by your use of the Website, downloading Materials, subscribing, submitting an inquiry, emailing us, or booking a call. A client relationship begins only when we confirm acceptance of an engagement in writing, typically through a signed engagement letter or service agreement.

Website content and Materials are for general information only and are not intended to constitute accounting, tax, legal, investment, or other professional advice.

2. No Online Payments Through the Website

The Website does not process payments for services. Any fees, invoicing, payment terms, and refund terms (if any) are governed solely by a separate signed engagement letter or service agreement.

3. Eligibility

You represent that you are at least the age of majority in your jurisdiction and have the legal capacity to agree to these Terms.

4. Permitted Use

You agree to use the Website only for lawful purposes and not to:

• interfere with the Website’s operation, availability, or security;
• attempt to gain unauthorized access to the Website or its systems;
• introduce malicious code, spam, or harmful content;
• scrape, harvest, or copy Website content for commercial use without permission.

5. Intellectual Property and License to Use Materials

All Website content—including text, graphics, branding, and Materials—is owned by Finspire or its licensors and protected by applicable intellectual property laws.

Limited license: We grant you a limited, non-exclusive, non-transferable, revocable license to download and use Materials for your personal use or internal business use only.

You may not:

• resell, redistribute, publish, publicly share, or commercialize the Materials;
• remove copyright or proprietary notices;
• modify and present Materials as your own work;
• use Materials to create competing templates, tools, or services.

If you wish to use Materials for redistribution, training, client delivery, or commercial purposes, contact us for written permission.

6. Downloads and Template Disclaimer

Templates, checklists, calculators, and other tools are provided for general guidance only. They do not replace professional advice tailored to your circumstances.

You are responsible for:

• verifying assumptions, inputs, and outputs;
• confirming that filings, deadlines, tax rates, payroll rules, and compliance requirements are current and correct for your jurisdiction;
• using Materials appropriately for your business.

7. Accuracy and Updates

We aim to keep information current, but we do not guarantee that Website content or Materials are complete, accurate, or up to date. Laws, tax rules, and administrative practices can change without notice.

We may update, revise, or remove content or Materials at any time.

8. Communications and Submissions

If you submit information via the Website (forms, booking requests, or email):

• you represent the information is accurate and you have the right to provide it; and
• you agree not to submit highly sensitive information (e.g., SIN, banking credentials, full tax returns, medical data) through general web forms or email unless we provide a secure method.

Website submissions and email may not be fully secure. Confidentiality protections and secure exchange processes generally apply after an engagement is confirmed and appropriate safeguards are in place.

9. Third-Party Links and Services

The Website may include links to third-party websites or services (e.g., scheduling tools, file-sharing tools, analytics). We do not control third parties and are not responsible for their content, availability, or privacy practices.

Your use of third-party services is at your own risk and subject to their terms and policies.

10. Disclaimers

To the fullest extent permitted by law:

• The Website and Materials are provided “as is” and “as available.”
• We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
• We do not warrant that the Website will be uninterrupted, secure, or error-free.

11. Limitation of Liability

To the fullest extent permitted by law, Finspire will not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages arising out of or related to:

• your use of, or inability to use, the Website;
• reliance on Website content or Materials;
• errors, omissions, or inaccuracies; or
• third-party links or services.

If liability is found despite the above, Finspire’s total aggregate liability will be limited to CAD $100 (or the minimum amount permitted by law), unless otherwise required by applicable law.

12. Indemnity

You agree to indemnify and hold harmless Finspire from claims, damages, losses, and expenses (including reasonable legal fees) arising from your misuse of the Website, violation of these Terms, or infringement of any rights of another.

13. Termination

We may suspend or terminate access to the Website at any time without notice if we believe you have violated these Terms or used the Website in a way that may harm Finspire or others.

14. Governing Law and Jurisdiction

These Terms are governed by the laws of Alberta and the federal laws of Canada applicable in Alberta, without regard to conflict of law principles.

You agree that disputes will be resolved exclusively in the courts located in Calgary, Alberta, unless applicable law requires otherwise.

15. Severability

If any provision of these Terms is found unenforceable, the remainder will continue in full force and effect.

16. Contact