Terms of Use

1. Acceptance of these terms

By accessing or using this website, you agree to these Terms of Use. If you do not agree with them, please do not use the website.

These terms apply to the TandemArc website and any pages, materials or functionality made available through it.

2. Website use

You may use this website for lawful, personal and informational purposes. You are responsible for ensuring that your use of the website complies with applicable laws and does not interfere with the website, its security or other users.

3. Educational and informational purpose

TandemArc provides information about corporate wealth planning and the coordination of financial decisions. Website content is intended to help visitors understand general planning concepts and considerations.

Content on this website is not personalized tax, legal, investment, accounting, insurance or other professional advice. It should not be treated as a recommendation to buy, sell, hold or implement any specific investment, insurance product, transaction, structure or strategy.

4. No professional relationship created by website use

Your use of this website, including submitting a contact or consultation request, does not by itself create an advisor-client, fiduciary, solicitor-client, accountant-client or other professional relationship with TandemArc or any person who may be involved in a planning process.

Any professional engagement, scope of work, responsibilities or obligations would need to be established separately and explicitly.

5. Consult qualified professionals before acting

Corporate tax, investments, retirement, insurance, estate planning and legal matters can be complex and highly dependent on individual circumstances. Before making or implementing a financial, tax, legal, accounting, insurance or investment decision, you should obtain advice from appropriately qualified professionals who can consider your specific facts and objectives.

6. Illustrations, projections and assumptions

Any examples, case studies, projections, comparisons, estimates or planning outputs shown on this website are illustrative only unless expressly stated otherwise. They may rely on assumptions about matters such as investment returns, tax rates, inflation, life expectancy, contributions, withdrawals, asset values, corporate tax accounts, legislation and implementation timing.

Actual outcomes can differ materially from illustrated outcomes. Market returns are uncertain, tax and other laws can change, assumptions can prove incorrect, and implementation may differ from the example shown. No projection or illustration is a guarantee of future performance, tax savings, estate value, income or other result.

7. Accuracy and availability

We aim to provide useful and current information, but we do not guarantee that website content is complete, accurate, error-free or current at all times. Information may become outdated as laws, tax rules, market conditions or other circumstances change.

The website may also be modified, suspended or unavailable from time to time without notice.

8. Third-party links and services

This website may link to third-party websites, resources or services for convenience or additional information. TandemArc does not control those third parties and is not responsible for their content, privacy practices, availability, security or accuracy. A link does not necessarily imply endorsement, affiliation or approval.

9. Intellectual property

Unless otherwise indicated, the website design, branding, text, graphics, illustrations and other original content made available by TandemArc are protected by applicable intellectual property laws.

You may view and use website content for your own lawful, non-commercial informational purposes. You may not reproduce, republish, distribute, modify, sell, license or commercially exploit substantial portions of the website without prior permission, except where applicable law permits.

10. Prohibited use

You must not use this website to:

• violate applicable law or the rights of others;
• attempt to gain unauthorized access to the website, its systems or related infrastructure;
• introduce malicious code, interfere with security features or disrupt website operation;
• misrepresent your identity or submit false, misleading or fraudulent information;
• scrape, copy or systematically extract website content for unauthorized commercial use; or
• use TandemArc branding or content in a way that suggests an affiliation or endorsement that does not exist.

11. Limitation of liability

To the maximum extent permitted by applicable law, TandemArc will not be liable for losses, damages, costs or claims arising from or related to your use of, inability to use, or reliance on this website or its content, including reliance on illustrative projections, assumptions, third-party links or general educational information.

Nothing in these terms excludes liability that cannot lawfully be excluded or limited.

12. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold TandemArc harmless from claims, liabilities, damages, losses and reasonable costs arising from your unlawful misuse of the website, your violation of these terms or your infringement of another person's rights.

13. Governing law

These Terms of Use are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict-of-law principles. Subject to applicable law, disputes relating to these terms or the website will be submitted to the courts located in Ontario.

14. Changes to these terms

We may update these Terms of Use from time to time to reflect changes to the website, our practices or applicable requirements. The revised terms will be posted on this page with an updated “Last updated” date. Your continued use of the website after changes are posted means the updated terms will apply to your subsequent use.

15. SMS Terms

If you opt in to receive SMS communications from TandemArc, you agree to receive text messages related to consultation requests, appointment scheduling, reminders and other service-related communications. Message frequency varies. Message and data rates may apply. You can withdraw your consent at any time by replying STOP. Reply HELP where available or contact service@tandemarc.ca for assistance.

16. Contact

Questions about these Terms of Use can be sent to service@tandemarc.ca.