Terms and Conditions of Service

These terms govern your use of dorquinalivo consultation services and website. By accessing our services, you agree to these terms, conditions, and limitations. Please read carefully before proceeding.

These terms were last updated on September 20, 2025.

Acceptance of Terms

By requesting consultations, accessing our website, or engaging with dorquinalivo services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. If you do not agree with any provision, you must discontinue use of our services immediately and refrain from scheduling consultations.

Definitions

For purposes of these terms, the following definitions apply throughout this document.

• Services refers to financial planning consultations, analytical reviews, strategic discussions, follow-up support, and related professional guidance provided by dorquinalivo to clients.
• Client refers to any individual or entity that requests, schedules, or participates in consultations with dorquinalivo professionals or accesses our website and resources.
• Website refers to the dorquinalivo online platform located at dorquinalivo.com, including all pages, content, features, and functionality accessible through this dorquinalivo.
• Personal Information refers to data that identifies or can be used to identify individual clients, as described in our Privacy Policy.

Service Usage Terms

dorquinalivo provides financial planning consultations designed to offer guidance, analytical perspectives, and strategic discussions. Services do not constitute legal advice, tax advice, or guarantees of specific outcomes. Clients remain responsible for decisions made regarding their finances and should consult appropriate licensed professionals for specialized advice.

Eligibility

Services are available to Canadian residents who have reached the age of majority in their province or territory. By using our services, you represent that you meet eligibility requirements and have authority to enter into these terms.

Minors may not use services without parental consent and supervision.

Client Responsibilities

Clients engaging with dorquinalivo services agree to fulfill the following responsibilities and obligations.

• Provide accurate, complete, and truthful information during consultations and in all communications with dorquinalivo professionals.
• Maintain confidentiality of any access credentials, scheduling links, or private consultation materials provided by dorquinalivo.
• Use services for lawful purposes only and refrain from any conduct that violates applicable laws or regulations.
• Respect intellectual property rights of dorquinalivo and refrain from unauthorized reproduction or distribution of consultation materials.

Prohibited Uses

Clients may not use dorquinalivo services for the following purposes.

• Engaging in fraudulent activity, misrepresenting identity or circumstances, or providing false information during consultations or website interactions.
• Attempting to access unauthorized areas of our website, systems, or networks, or interfering with security features or functionality.
• Using services to violate any applicable federal, provincial, or local laws, regulations, or third-party rights.
• Reproducing, distributing, or commercializing consultation content, materials, or proprietary information without explicit written permission from dorquinalivo.
• Harassing, threatening, or engaging in abusive conduct toward dorquinalivo professionals, employees, or other clients during consultations or communications.

Intellectual Property Rights

All content, materials, trademarks, and intellectual property on the dorquinalivo website and provided during consultations remain the exclusive property of dorquinalivo. This includes text, graphics, logos, methodologies, and consultation frameworks. Clients receive limited, non-exclusive, non-transferable rights to access materials solely for personal consultation purposes.

Client-Provided Content

Information, documents, or materials you provide during consultations remain your property. By sharing information with dorquinalivo, you grant us limited rights to use such content solely for providing consultations and related services.

Privacy and Data Protection

dorquinalivo collects, uses, and protects personal information in accordance with our Privacy Policy and applicable Canadian privacy legislation. By using our services, you consent to data practices described in our Privacy Policy, which is incorporated into these terms by reference. Privacy Policy

Service Disclaimers

dorquinalivo consultations are provided for informational and guidance purposes with important limitations clients must understand.

Limitation of Liability

To the maximum extent permitted by law, dorquinalivo and its professionals shall not be liable for any indirect, incidental, consequential, or punitive damages arising from consultation participation, website use, or implementation of discussed strategies. Our total liability shall not exceed fees paid for services.

Indemnification

You agree to indemnify and hold harmless dorquinalivo, its professionals, employees, and affiliates from claims, losses, liabilities, damages, or expenses arising from your use of services, violation of these terms, or infringement of third-party rights.

Dispute Resolution

Disputes arising from these terms or service usage shall be resolved through the following procedures.

Governing Law

These terms are governed by the laws of Canada and the province in which services are provided, without regard to conflict of law provisions. Courts in the applicable province have exclusive jurisdiction over disputes not subject to arbitration.

Termination

Either party may terminate the consultation relationship at any time. dorquinalivo reserves the right to refuse service, cancel consultations, or restrict website access for violations of these terms or other legitimate business reasons. Termination does not affect obligations incurred prior to termination.

Modifications

dorquinalivo reserves the right to modify these terms at any time. Changes become effective upon posting to the website. Continued use of services after modifications constitutes acceptance of updated terms. We encourage periodic review of terms.

Severability

If any provision of these terms is found invalid or unenforceable, remaining provisions continue in full force and effect. Invalid provisions will be modified to minimum extent necessary to make them enforceable while preserving intent.

Entire Agreement

These terms, together with our Privacy Policy, Cookie Policy, and Disclaimer, constitute the entire agreement between you and dorquinalivo regarding service usage, superseding all prior agreements or understandings.

Terms and Conditions Contact

Questions regarding these terms should be directed to dorquinalivo using the contact information provided below.