Terms of Service

We provide business strategy, tax advisory and financial consulting designed to help clients understand options, organize priorities and make informed decisions. The exact scope, deliverables and timeline for customized work are confirmed in writing before the engagement begins.

• You must be 18+ and able to enter a binding agreement.
• Services are primarily intended for residents of Ontario, Canada.
• We may decline engagements that are outside our scope or capacity.

• Current prices are shown on the site or communicated in writing.
• Payments for sessions and advisory engagements are due as indicated at checkout, in the proposal or on the invoice.
• Any third-party professional fees are separate unless expressly included in writing.

• Rescheduling requires at least 24 hours’ notice.
• No-shows or late cancellations may be charged or forfeited from packages.
• Refunds, if any, are at our discretion and will consider work already performed.

• Typical response time is within 2–3 business days, excluding holidays.
• Email is preferred for record-keeping. WhatsApp or phone may be used as agreed.
• Information you provide must be accurate and complete to receive reliable guidance.

We respect your privacy and handle information in accordance with our Privacy Policy. You are responsible for safeguarding documents you submit and notifying us of any changes that affect your file.

We may use AI tools (e.g., drafting checklists, summarizing notes) to improve efficiency and quality. Outputs are reviewed by a human before use. Do not share confidential details you are not comfortable transmitting electronically.

Consulting and educational materials do not constitute legal, accounting, investment, securities, lending or mortgage-brokerage advice. Tax guidance is limited to the agreed engagement scope. You should consult the appropriate licensed or regulated professional when a decision requires services outside that scope.

• Website consulting does not include mortgage application processing, product placement, investment management or legal representation.
• Work performed by an accountant, lawyer, investment professional or other independent provider is governed by that provider's own engagement and terms.

• Provide accurate, timely information and documents.
• Make your own decisions; actions remain your responsibility.
• Obtain independent professional advice when a decision falls outside the agreed consulting scope.

All content, templates, and materials we provide are for your personal use and may not be reproduced or distributed without written permission.

• We do not guarantee specific results (e.g., approvals, rates, tax outcomes).
• To the fullest extent permitted by law, our total liability for any claim related to the services is limited to the fees you paid for the affected service.

Client stories reflect individual experiences and are not a promise of outcomes. Your results depend on your circumstances and actions.

We may update these Terms periodically. Changes take effect when posted on this page, with the “Last updated” date adjusted above.

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

Questions? Contact us at info@fannysamaniego.com or use the contact form.