Terms and Conditions

Acceptance of Terms

By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy and Cookie Policy. If you do not agree to these terms, please do not use our services.

Description of Services

Xehanortwavey provides financial literacy education, information about debt management strategies, and guidance on navigating government benefits programs. Our services are educational in nature and do not constitute professional financial, legal, or tax advice.

Eligibility

Our services are available to individuals who are at least 18 years of age and legally capable of entering into binding agreements. By using our services, you represent and warrant that you meet these eligibility requirements.

User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information when requested
• Use our services only for lawful purposes
• Not attempt to gain unauthorized access to our systems or data
• Not interfere with or disrupt the operation of our website
• Not reproduce, duplicate, copy, or exploit any portion of our website without express written permission

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Xehanortwavey or its licensors and is protected by Canadian and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from our content without prior written consent.

Disclaimers

Our services are provided 'as is' and 'as available' without any warranties of any kind, either express or implied. We do not warrant that:

• Our services will be uninterrupted, timely, secure, or error-free
• The results obtained from using our services will be accurate or reliable
• Any errors in our website will be corrected

Financial decisions involve risk. We are not responsible for any financial losses or damages resulting from decisions made based on information obtained through our services.

Limitation of Liability

To the fullest extent permitted by applicable law, Xehanortwavey and its directors, employees, partners, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses resulting from your use of or inability to use our services.

Indemnification

You agree to indemnify, defend, and hold harmless Xehanortwavey and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of our services or violation of these Terms and Conditions.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Province of British Columbia, Canada, without regard to its conflict of law provisions. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of British Columbia.

Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the modified terms.

Termination

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

Contact Information

For questions about these Terms and Conditions, please contact us at:

Email: info@xehanortwavey.com

Address: 1200 West Georgia Street, Suite 800, Vancouver, BC V6E 4A2, Canada