Terms and Conditions
These Terms and Conditions govern your use of the Veltrio subscription service. By accessing our website and using our services, you agree to be bound by these terms.
Acceptance of Terms
By subscribing to our services or using our website, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services.
Definitions
For the purposes of these Terms and Conditions, the following definitions apply:
- Service: Our monthly financial planning consultation subscription service
- User/Client: Any individual who subscribes to or uses our financial planning services
- Consultation: Our professional financial planning discussions and analytical reviews
- Subscription: Your paid monthly access to our financial planning consultation service
Use of Service
Your access to and use of our financial planning services is subject to the following conditions:
Permitted Uses
- Access and participate in scheduled financial planning consultations
- Receive analytical reviews and general financial guidance
- Use our website to manage your subscription and access resources
Prohibited Uses
- Share your account access with other individuals
- Use our services for any illegal or unauthorized purpose
- Attempt to reverse engineer or copy our proprietary methods
- Harass or abuse our staff or other service users
User Responsibilities
As a user of our financial planning services, you agree to:
- Provide accurate and complete information during consultations
- Maintain the confidentiality of your account information
- Pay all fees associated with your subscription on time
- Notify us promptly of any changes to your contact information
Intellectual Property
All content, materials, and intellectual property on our website and in our services remain the exclusive property of Veltrio. You may not reproduce, distribute, or create derivative works from our proprietary content without written permission.
Privacy
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information in connection with our financial planning services.
Payment Terms
Your subscription to our financial planning service is subject to the following payment terms:
Monthly subscription fees are billed in advance and are non-refundable. All prices include applicable taxes. Payment must be received by the due date to maintain uninterrupted service access.
Termination
Either party may terminate the subscription with 30 days written notice. Upon termination, you will lose access to all consultation services, though you may retain any materials provided during your subscription period. We reserve the right to terminate accounts immediately for violation of these terms.
Service Disclaimers
Our financial planning consultations provide general guidance and analytical reviews. We do not guarantee specific financial outcomes, and all financial decisions remain solely with the client. Past performance does not predict future results, and individual circumstances may significantly affect outcomes.
Limitation of Liability
To the maximum extent permitted by law, Veltrio shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability shall not exceed the amount paid for services in the preceding twelve months.
User Indemnification
Users agree to indemnify and hold harmless Veltrio, its employees, and affiliates from any claims, damages, or expenses arising from their use of our services, violation of these terms, or any financial decisions made based on our consultations.
Dispute Resolution
Any disputes arising from these terms or our services shall be resolved through the following process:
Arbitration
Disputes will be resolved through binding arbitration in accordance with Canadian arbitration rules
The arbitration will be conducted in English in the province where our services are provided
Alternative Resolution
Clients may also access alternative dispute resolution through relevant consumer protection agencies
Online Dispute Resolution: Consumer Protection Agency
Governing Law
These Terms and Conditions are governed by the laws of Canada and the province in which our services are provided. Any legal proceedings must be brought in courts of competent jurisdiction in Canada.
Severability Clause
If any provision of these disclaimers is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable while preserving its original intent.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and Veltrio regarding our financial planning services. These terms supersede all prior agreements and understandings.
Changes to Terms
We reserve the right to modify these Terms and Conditions at any time. Changes will be posted on our website with an updated effective date. Continued use of our services after changes constitutes acceptance of the modified terms.
Contact Us About Cookies
If you have questions about our use of cookies or need assistance managing your preferences, please contact us at [email protected] or call +1 403 289 84 62.
Last Updated: July 16, 2025
These Terms and Conditions are effective as of August 9, 2025