Terms and Conditions

Agreement to Terms

Welcome to calypharionos.com. These Terms and Conditions govern your use of our financial planning subscription service and website. By accessing or using our services, you agree to be bound by these terms.

If you do not agree with any part of these terms, you may not use our services.

Definitions

For the purposes of these Terms and Conditions:

  • Service: Refers to the financial planning subscription service provided by calypharionos.com including consultations, reviews, and related materials
  • User or You: Refers to the individual accessing or using the service
  • Company or We: Refers to calypharionos.com and its authorized representatives
  • Content: All information, materials, and resources provided through our service including consultations, documents, and website content

Description of Service

Our service provides monthly financial planning consultations and analytical reviews designed to help users better understand their financial situation and develop improved money management approaches.

Services include personalized consultations, general financial analysis, and educational discussions. We do not provide specific investment recommendations or manage financial products.

User Eligibility

To use our services, you must meet the following requirements:

  • • Be at least 18 years of age
  • • Have legal capacity to enter into binding agreements
  • • Provide accurate and complete information during registration

User Responsibilities

As a user of our service, you agree to:

  • ✓ Provide accurate and truthful information about your financial situation
  • ✓ Maintain the confidentiality of your account information
  • ✓ Use the service only for lawful purposes
  • ✓ Respect the intellectual property rights of the company
  • ✓ Notify us promptly of any changes to your contact information

Prohibited Uses

You may not use our service for any of the following purposes:

  • ✗ Any unlawful activity or violation of applicable laws
  • ✗ Transmitting harmful, threatening, or inappropriate content
  • ✗ Attempting to gain unauthorized access to our systems
  • ✗ Interfering with or disrupting the service or servers
  • ✗ Using automated systems to access the service without permission

Intellectual Property Rights

All content, trademarks, and intellectual property on our website and in our services remain the exclusive property of calypharionos.com or our licensors.

Users may not reproduce, distribute, or create derivative works from our content without explicit written permission.

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which forms part of these terms. Privacy Policy

Payment Terms

Subscription services require payment in advance according to your chosen plan:

  • • Monthly subscription fees are $250 CAD plus applicable taxes
  • • Payments are processed automatically on your billing date
  • • Failed payments may result in service suspension after reasonable notice

Termination

Either party may terminate the subscription with 30 days written notice. We may terminate immediately for violation of these terms or non-payment.

Upon termination, access to consultations and materials will cease, though you retain access to previously provided general information.

Service Disclaimers

Our service is provided "as is" without warranties of any kind, either express or implied.

We disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the maximum extent permitted by law, calypharionos.com shall not be liable for any indirect, incidental, special, or consequential damages arising from use of our services.

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

Indemnification

You agree to indemnify and hold calypharionos.com harmless from any claims, damages, or expenses arising from your use of the service or violation of these terms.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Arbitration Process

Disputes that cannot be resolved through direct communication will be settled through binding arbitration in accordance with Canadian arbitration rules.

Arbitration will be conducted by a single arbitrator in the province where our principal office is located.

Online Dispute Resolution

For users in the European Union, we participate in online dispute resolution platforms:

EU ODR Platform: European Commission Online Dispute Resolution

EU consumers may also contact their local consumer protection authorities.

Nothing in these terms prevents either party from seeking injunctive relief in court for intellectual property violations or confidentiality breaches.

Governing Law

These terms are governed by Canadian federal law and the laws of the province where our principal office is located, without regard to conflict of law principles.

Changes to Terms

We may modify these terms at any time by posting updated terms on our website. Changes become effective 30 days after posting.

We will notify active subscribers of significant changes by email or through their account dashboard.

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 our Privacy Policy and Cookie Policy, constitute the complete agreement between you and calypharionos.com regarding use of our services.

Contact Information

Questions about these terms should be directed to contact@calypharionos.com or +1-796-020-312.

calypharionos

1247 Bay Street, Toronto, ON M5R 2A9

Email: contact@calypharionos.com

Phone: +1-796-020-312

These Terms and Conditions are effective as of August 30, 2025

Version 1.2 - Last updated August 30, 2025