STABILITY- LIBERTY - FINANCIAL SECURITY

Terms and Conditions

1. Acceptance of Terms

Welcome to dcservicesfinancier.ca (the "Site"), operated by DC Financial Servicess ("we", "our", "us"). By accessing and using this Site, you agree to be bound by these terms and conditions (the "Terms"). If you do not accept these Terms, please do not use this Site.

We reserve the right to modify these Terms at any time. Modifications take effect immediately upon posting on the Site. Your continued use of the Site after any modification constitutes your acceptance of the new Terms.

2. Description of Services

DC Financial Services is a financial services platform that offers advice and information on financial services matters. Our Site allows users to:

  • Create a personal account

  • Submit information requests

  • Access resources and information about our services

  • Communicate with our advisors

3. Account Creation and Responsibilities

3.1 Account Creation

To access certain features of the Site, you must create an account by providing accurate, complete, and up-to-date information. You are responsible for maintaining the confidentiality of your login credentials.

3.2 User Responsibilities

You agree to:

  • Provide truthful and accurate information

  • Maintain the security of your account and password

  • Notify us immediately of any unauthorized use of your account

  • Be responsible for all activities conducted under your account

3.3 Age Restrictions

You must be at least 18 years old to use this Site and create an account.

4. Acceptable Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

  • Violate any applicable law or regulation

  • Transmit illegal, offensive, defamatory, threatening, or obscene content

  • Use the Site to harass, abuse, or harm others

  • Attempt to gain unauthorized access to our computer system

  • Interfere with the proper functioning of the Site

  • Collect information about other users without their consent

  • Use robots, scripts, or other automated means to access the Site

  • Transmit viruses, malware, or any harmful code

  • Impersonate another person or entity

  • Use the Site for commercial purposes without our written authorization

5. Intellectual Property

5.1 Property Rights

All content on the Site, including but not limited to text, graphics, logos, images, icons, software, designs, and their compilation, is the exclusive property of DC Services Financiers or its licensors and is protected by Canadian and international copyright and intellectual property laws.

5.2 Limited Use License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site for personal and non-commercial purposes. This license does not give you any ownership rights to the Site content.

5.3 Restrictions

You may not:

  • Reproduce, distribute, modify, or create derivative works from the Site content

  • Use the content for commercial purposes without our prior written authorization

  • Remove or modify copyright notices or other proprietary notices

6. User-Generated Content

If you submit content to the Site (comments, messages, documents), you:

  • Warrant that you have all necessary rights to that content

  • Grant DC Financial Services a worldwide, royalty-free, perpetual, and non-exclusive license to use, reproduce, and display this content in connection with our services

  • Agree that we may moderate, refuse, or remove any inappropriate content

7. Financial Services and Disclaimers

7.1 Nature of Information

The information provided on this Site is for informational purposes only and does not constitute personalized financial, legal, or tax advice. It should not be considered as a recommendation to buy or sell financial products.

7.2 Professional Consultation

You should consult a qualified financial advisor before making any financial decisions. Past performance does not guarantee future results.

7.3 Limitation of Financial Liability

DC Financial Services will not be held responsible for financial losses resulting from decisions made based on information provided on this Site.

8. Links to Third-Party Sites

Our Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over these sites and are not responsible for their content, privacy policies, or practices. The inclusion of a link does not constitute an endorsement of the linked site.

9. Site Availability

We strive to keep the Site accessible at all times, but we do not guarantee that the Site will always be available, uninterrupted, or error-free. We reserve the right to:

  • Suspend, withdraw, or modify all or part of the Site at any time

  • Perform scheduled or unscheduled maintenance

  • Limit access to certain parts of the Site

10. Limitation of Liability

10.1 Disclaimer of Warranties

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SITE WILL MEET YOUR NEEDS, BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

10.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DC FINANCIAL SERVICES ITS OFFICERS, EMPLOYEES, AND PARTNERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES RESULTING FROM:

  • Your use or inability to use the Site

  • Any unauthorized access to your personal data

  • Any interruption or cessation of the Site

  • Any errors or omissions in the content

  • Any loss of data or profits

11. Indemnification

You agree to indemnify, defend, and hold harmless DC Financial Services, its officers, employees, partners, and agents from and against any claim, loss, liability, damage, cost, and expense (including reasonable attorney fees) arising from:

  • Your breach of these Terms

  • Your violation of any third-party rights

  • Your use of the Site

  • Any content you submit

12. Termination

12.1 Termination by User

You may stop using the Site and delete your account at any time by contacting us at [email protected].

12.2 Termination by DC Financial Services

We reserve the right to suspend or terminate your access to the Site, with or without notice, if we reasonably believe that you have violated these Terms or for any other reason at our sole discretion.

12.3 Effects of Termination

Upon termination, your right to use the Site ceases immediately. Provisions that by their nature should survive termination (including intellectual property, limitation of liability, and indemnification clauses) will continue to apply.

13. Personal Data Protection

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the Site, you also consent to the practices described in our Privacy Policy.

14. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Province of Quebec and applicable federal laws of Canada. Any dispute arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of the Province of Quebec.

15. Severability

If any provision of these Terms is deemed invalid, illegal, or unenforceable by a competent court, that provision shall be modified and interpreted to best accomplish the objectives of the original provision to the extent permitted by law, and the other provisions shall remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and DC Services Financiers regarding the use of the Site and supersede all prior or contemporaneous agreements, written or oral.

17. Waiver

Our failure to exercise or enforce any right or provision of these Terms does not constitute a waiver of such right or provision.

18. Assignment

You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.

19. Language

These Terms are written in English. In case of translation into another language, the English version shall prevail in case of discrepancy.

20. Contact Us

For any questions regarding these Terms and Conditions, please contact us:

DC Financial Services
Email: [email protected]
Website: dcservicesfinancier.ca

By using this Site, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions.

Frequently Asked Questions

Is the first consultation free?

Yes, and not just the first one. All of our consultations are free. We do not charge anything for providing you with an objective opinion or for developing a strategy tailored to your situation. Our priority is to guide you with clarity and transparency, without any pressure.

Do I need to have a high income to work with you?

Not at all. We believe that everyone deserves a good financial plan, regardless of income or current situation. Our approach is personalized and tailored to your goals.

Do you work with multiple insurance companies?

Yes. As a a team of independent brokers and advisors, we have access to multiple financial institutions and insurance companies. This allows us to offer you the most beneficial solutions for your situation.

How does the process work?

It all starts with an exploratory meeting. Then, we analyze your complete financial situation, and we build a customized strategic plan. We support you every step of the way

Do your services also cater to self-employed workers and entrepreneurs?

Absolutely. We understand the unique challenges faced by self-employed individuals: variable income, lack of social protection, long-term planning... We have tailored solutions to help you secure your future.

Do you need help with estate planning or saving for education?

Yes. We can integrate these elements into your overall strategy to ensure an effective transfer of your wealth or to build an education fund for your children.