Terms of Service

1. Acceptance of Terms

By accessing or using the Tour Dreamscape website (tour-dreamscape.com) or our financial planning services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or services.

These Terms constitute a legally binding agreement between you and Tour Dreamscape Inc., a corporation incorporated under the laws of Ontario, Canada.

2. Description of Services

Tour Dreamscape provides financial planning and advisory services including:

• Personal financial planning and budgeting advice
• Investment guidance and portfolio recommendations
• Retirement and savings planning
• Tax planning strategies
• Debt management consultation
• Educational content and resources

Our services are provided subject to applicable Canadian securities regulations and professional standards.

3. Eligibility and Registration

Age Requirements

You must be at least 18 years of age to use our services. By using our website or services, you represent that you meet this age requirement.

Account Information

When creating an account or engaging our services, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as necessary
• Keep your account credentials secure and confidential
• Notify us immediately of any unauthorized access

4. Professional Standards and Licensing

Tour Dreamscape and its advisors are licensed and regulated by appropriate Canadian regulatory bodies, including:

• Ontario Securities Commission (OSC)
• Financial Planning Standards Council (FPSC)
• Canadian Securities Administrators (CSA)

Fiduciary Duty

When providing financial planning services, we act in your best interests and adhere to the highest standards of professional conduct. However, you acknowledge that:

• Investment recommendations involve risk and potential for loss
• Past performance does not guarantee future results
• We cannot guarantee specific investment outcomes
• You are responsible for final investment decisions

5. User Responsibilities

When using our website and services, you agree to:

Prohibited Activities

You agree not to:

• Provide false or misleading information
• Use our services for illegal activities
• Attempt to harm or disrupt our website or services
• Share confidential information with unauthorized parties
• Use our content without proper authorization

6. Fees and Payment

Service Fees

Our fees are disclosed in advance and may include:

• Consultation Fees: Hourly or flat fee for financial planning sessions
• Asset Management Fees: Percentage of assets under management
• Project Fees: Fixed fees for specific financial planning projects
• Retainer Fees: Ongoing advisory relationship fees

Payment Terms

• Fees are due according to the payment schedule in your service agreement
• Late payments may incur additional charges
• All fees are in Canadian dollars unless otherwise specified
• Applicable taxes will be added to all fees

Refund Policy

Refunds are provided according to the specific terms in your service agreement. Generally:

• Initial consultation fees are non-refundable
• Ongoing service fees may be prorated for early termination
• Asset management fees are calculated monthly
• Refund requests must be made in writing

7. Privacy and Confidentiality

We are committed to protecting your privacy and maintaining the confidentiality of your financial information. Our privacy practices are detailed in our Privacy Policy.

Confidentiality Obligations

We maintain strict confidentiality regarding:

• Your financial information and planning details
• Investment strategies and recommendations
• Personal circumstances and goals
• Communications between us

Permitted Disclosures

We may disclose information only when:

• Required by law or regulatory authorities
• You provide written consent
• Necessary to provide contracted services
• Required for legal proceedings

8. Intellectual Property

Our Content

All content on our website, including text, graphics, logos, and software, is owned by Tour Dreamscape or our licensors and is protected by Canadian and international copyright laws.

Limited License

We grant you a limited, non-exclusive license to:

• Access and use our website for personal purposes
• Download materials for your own financial planning
• Print content for personal reference

Restrictions

You may not:

• Reproduce our content for commercial purposes
• Modify or create derivative works
• Remove copyright or proprietary notices
• Use our trademarks without permission

9. Disclaimers and Limitations

No Warranties

Our website and services are provided "as is" without warranties of any kind. We disclaim all warranties, including:

• Merchantability and fitness for a particular purpose
• Accuracy or completeness of information
• Uninterrupted or error-free service
• Security of data transmission

Limitation of Liability

To the maximum extent permitted by law, Tour Dreamscape shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits or business opportunities
• Investment losses not caused by our negligence
• Technical failures or service interruptions

Our total liability shall not exceed the fees paid by you in the 12 months preceding the claim.

10. Third-Party Services

Our website may contain links to third-party services or integrate with external platforms. We are not responsible for:

• The content or practices of third-party websites
• Privacy policies of external services
• Security of third-party platforms
• Accuracy of external information

Your use of third-party services is subject to their own terms and conditions.

11. Termination

Termination by You

You may terminate our services at any time by providing written notice. Upon termination:

• Outstanding fees remain due and payable
• We will transfer your records as requested
• Confidentiality obligations continue
• You lose access to our platforms and resources

Termination by Us

We may terminate services in cases of:

• Non-payment of fees
• Violation of these Terms
• Illegal or unethical conduct
• Professional conflicts of interest

12. Governing Law and Disputes

Applicable Law

These Terms are governed by the laws of Ontario, Canada, and applicable federal Canadian laws. Any disputes will be resolved in the courts of Ontario.

Dispute Resolution

Before pursuing legal action, we encourage you to:

1. Contact us directly to discuss the issue
2. Participate in good faith negotiations
3. Consider mediation through a neutral third party
4. Utilize industry complaint resolution services

Regulatory Complaints

If you have concerns about our professional conduct, you may file a complaint with:

13. Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes:

• We will post the updated Terms on our website
• The "Last Updated" date will be revised
• We will notify you of material changes
• Continued use constitutes acceptance of new Terms

If you disagree with changes, you may terminate our services before the effective date.

14. Miscellaneous

Severability

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

Entire Agreement

These Terms, together with your service agreement and our Privacy Policy, constitute the entire agreement between us.

Assignment

You may not assign your rights under these Terms without our written consent. We may assign our rights with appropriate notice.

Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.

15. Contact Information

If you have questions about these Terms, please contact us: