1. Introduction

Welcome to Financial Audit. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our website or services.

2. Definitions

In these Terms:

• "We," "our," or "us" refers to Financial Audit.
• "You" or "your" refers to the user or client of our website and services.
• "Services" refers to the financial audit assistance and educational services we provide.
• "Website" refers to our website located at cogniquivellum.com and all associated pages.

3. Services

Our services provide educational guidance and assistance related to financial matters. We do not provide direct financial advice, investment recommendations, or guaranteed outcomes. Our role is to help you better understand your financial situation and provide educational support.

We reserve the right to modify, suspend, or discontinue any part of our services at any time without notice.

4. User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of any account information
• Use our services only for lawful purposes
• Not engage in any activity that could harm our website or interfere with our services
• Not attempt to gain unauthorized access to any part of our website or systems
• Not use our services for any fraudulent or deceptive purposes

5. Payment and Fees

The fees for our services are as listed on our website. We reserve the right to change our fees at any time, but changes will not affect services already purchased.

All payments are due at the time of service request unless otherwise specified. Refunds may be issued at our discretion and in accordance with applicable laws.

6. Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, software, and audio and video clips, is the property of Financial Audit or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

7. Limitation of Liability

To the fullest extent permitted by law, Financial Audit shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use our services
• Any unauthorized access to or use of our servers and/or any personal information stored therein
• Any interruption or cessation of transmission to or from our website
• Any bugs, viruses, or other harmful elements that may be transmitted through our service

8. Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We do not guarantee that our website will be uninterrupted, secure, or error-free.

We do not make any warranties regarding the accuracy, reliability, or effectiveness of our services in meeting your needs or expectations.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Ontario, Canada, without regard to its conflict of law provisions.

Any dispute arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts in Toronto, Ontario.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our services after any such changes constitutes your acceptance of the new Terms.

11. Contact Information

If you have any questions about these Terms, please contact us at:

Financial Audit
450 King Street W, Suite 200
Toronto, ON M5V 1L7, Canada
Email: [email protected]
Phone: +1 (416) 552-0172