Terms & Conditions
Service Agreement Terms
Get to know the terms governing your use of phanthorien's financial planning consultation services. These Terms & Conditions establish the framework for our professional relationship and service delivery.
By using our website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these terms.
Important Definitions
These definitions clarify key terms used throughout our service agreement to ensure mutual understanding.
- Services: Financial planning consultations, analytical reviews, and guidance provided by phanthorien
- Client: Any individual or entity engaging phanthorien for financial consultation services
- Consultation: Professional meetings and communications regarding financial planning matters
- Website: The phanthorien.com website and all associated digital platforms
Acceptable Use of Services
Our services are designed to provide professional financial consultation and guidance. Your use of these services must comply with applicable laws and professional standards.
Permitted Uses
- Engaging in good faith consultations about personal financial planning
- Providing accurate information necessary for meaningful consultation
- Using our website to access information and request services
Prohibited Uses
- Misrepresenting your identity, financial situation, or intentions
- Using services for illegal activities or fraudulent purposes
- Attempting to disrupt or compromise our website or systems
- Sharing confidential consultation information without authorization
Your Responsibilities
Effective financial consultation requires active participation and honest communication from clients.
Provide accurate and complete information about your financial situation
Maintain confidentiality of consultation discussions and recommendations
Make informed decisions based on your personal circumstances and risk tolerance
Seek additional professional advice when recommended or required
Intellectual Property Rights
All content on our website and materials provided during consultations remain the intellectual property of phanthorien. This includes methodologies, frameworks, written materials, and proprietary analysis tools.
Content Ownership
You may not reproduce, distribute, or create derivative works from our proprietary materials without written permission.
Privacy and Confidentiality
We maintain strict confidentiality regarding all client information and consultation details. Our privacy practices are governed by our Privacy Policy and applicable Canadian privacy laws.
For detailed information about data handling, please review our Privacy Policy.
Limitation of Liability
Our liability is limited to the maximum extent permitted by Canadian law. Financial planning involves inherent uncertainties and risks.
Service Limitations
We provide consultation and guidance services only. We cannot guarantee specific financial outcomes or results. All financial decisions remain your responsibility and should consider your unique circumstances.
Indemnification Agreement
You agree to indemnify and hold harmless phanthorien from any claims, damages, or expenses arising from your use of our services, violation of these terms, or decisions made based on our consultations.
Dispute Resolution Process
We're committed to resolving any disagreements fairly and efficiently through the following process.
Arbitration Agreement
Disputes that cannot be resolved through direct communication will be settled through binding arbitration in accordance with Canadian arbitration rules.
- Arbitration proceedings will be conducted in Toronto, Ontario
- Arbitrators must have relevant financial services experience
- Arbitration decisions are final and binding on both parties
Alternative Dispute Resolution
For eligible disputes, you may access online dispute resolution platforms provided by relevant authorities.
Service Termination
Either party may terminate our service relationship under the following circumstances.
Client Termination
You may discontinue our services at any time with reasonable notice. Fees for services already provided remain due.
Service Provider Termination
We reserve the right to terminate services for violation of these terms, non-payment, or other reasonable business reasons.
Applicable Law
All aspects of our service relationship are subject to Canadian federal and provincial laws
Severability Clause
If any provision of these terms is deemed invalid or unenforceable, the remaining provisions continue in full force and effect.
Complete Agreement
These Terms & Conditions, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and phanthorien regarding our services.
Terms Modifications
We may update these terms periodically to reflect changes in our services or applicable laws. Updated terms become effective immediately upon posting.
We will notify users of significant changes through our website or direct communication.
Terms & Conditions Inquiries
For questions about these Terms & Conditions or to discuss specific service arrangements, please contact us using the information below.
Effective Date: August 31, 2025
Last Updated: August 27, 2025