Terms of Use

1. Acceptance of Terms

By accessing and using the helvaronique finance platform at helvaronique.world, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and helvaronique, operating from our headquarters at 5847 Boulevard Chauveau O, Québec, QC G2E 4C3, Canada.

If you do not agree with any part of these terms, you must discontinue use of our platform immediately. Your continued use of our services after any modifications to these terms constitutes acceptance of such changes.

2. Description of Services

helvaronique provides financial education and awareness services through our digital platform. Our services include educational content, financial literacy resources, learning programs, and informational materials designed to enhance your understanding of financial concepts and practices.

Service Features

• Educational financial content and resources
• Interactive learning programs and modules
• Financial awareness tools and calculators
• Access to expert insights and market analysis
• Community forums and discussion platforms
• Personalized learning recommendations

3. User Eligibility and Registration

You must be at least 18 years of age to use our services. By registering for an account, you represent and warrant that you are of legal age and have the capacity to enter into this agreement. Users under 18 may only access our services under the supervision of a parent or legal guardian who accepts full responsibility for their use.

4. User Obligations and Conduct

As a user of our platform, you agree to use our services responsibly and in accordance with all applicable laws and regulations. You understand that our platform is designed for educational purposes and that any financial decisions you make are your sole responsibility.

Prohibited Activities

• Sharing false, misleading, or fraudulent information
• Attempting to gain unauthorized access to our systems
• Using our platform for illegal activities or purposes
• Harassing, threatening, or abusing other users
• Distributing spam, malware, or other harmful content
• Violating intellectual property rights of others
• Attempting to reverse engineer or copy our platform

5. Intellectual Property Rights

All content, materials, and resources available on our platform, including but not limited to text, graphics, logos, images, audio clips, video content, and software, are the exclusive property of helvaronique or our licensors and are protected by Canadian and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use our platform for personal, educational purposes only. This license does not permit you to reproduce, distribute, modify, or create derivative works from our content without explicit written permission.

6. Privacy and Data Protection

We take your privacy seriously and are committed to protecting your personal information in accordance with Canadian privacy laws and regulations. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which forms an integral part of these Terms of Use.

By using our services, you consent to the collection and use of your information as described in our Privacy Policy. We implement appropriate security measures to protect your data, but you acknowledge that no method of transmission over the internet is 100% secure.

7. Financial Disclaimers

You acknowledge that past performance does not guarantee future results, and that all investments carry inherent risks including the potential loss of principal. We strongly recommend consulting with qualified financial professionals before making any investment decisions.

Risk Acknowledgment

• Financial markets are volatile and unpredictable
• Educational content does not constitute financial advice
• Individual results may vary significantly
• You assume full responsibility for your financial decisions

8. Limitation of Liability

To the maximum extent permitted by applicable law, helvaronique and its officers, directors, employees, and agents 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 our platform.

Our total liability to you for any claims arising from or related to these terms or your use of our services shall not exceed the amount you have paid us in the twelve months preceding the claim, or 0 CAD, whichever is greater.

9. Indemnification

You agree to defend, indemnify, and hold harmless helvaronique and its affiliates, officers, directors, employees, and agents from and against any claims, damages, costs, and expenses, including reasonable attorneys' fees, arising from or related to your use of our platform, your violation of these terms, or your violation of any rights of another party.

10. Termination

We reserve the right to terminate or suspend your access to our platform at any time, with or without cause, and with or without notice. You may also terminate your account at any time by contacting us or following the account closure procedures provided on our platform.

Upon termination, your right to use our services will cease immediately, and we may delete your account and all associated data. Provisions of these terms that by their nature should survive termination will remain in effect after termination.

11. Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any disputes arising from these terms or your use of our platform shall be subject to the exclusive jurisdiction of the courts of Quebec, Canada.

12. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on our platform. We will make reasonable efforts to notify users of material changes through email or prominent notices on our website. Your continued use of our services after such modifications constitutes acceptance of the updated terms.