Effective Date: September 27, 2026
1. Introduction and Acceptance of Terms
These Terms of Service (the “Terms”) govern your access to and use of the website located at bralfinbo.pro and any related consulting services, materials, communications, features, or content provided by Maple Ridge Advisory Inc. (“Maple Ridge Advisory Inc.,” “we,” “us,” or “our”).
By accessing or using our website or services, requesting a consultation, engaging us for consulting work, or otherwise interacting with our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use our website or services.
These Terms apply to all users, including visitors, prospects, clients, and any other persons who access or use our services. If you are using our services on behalf of an organization, you represent and warrant that you have authority to bind that organization to these Terms.
2. Scope of Services
Maple Ridge Advisory Inc. provides consulting services, which may include business advisory, strategic planning, operational guidance, analysis, recommendations, reporting, and related professional services as agreed in a statement of work, proposal, engagement letter, service order, or other written communication (collectively, the “Engagement Terms”).
- We will provide services only as specifically agreed in the applicable Engagement Terms.
- Any timelines, deliverables, milestones, or service descriptions are estimates unless expressly stated otherwise.
- We may engage subcontractors or independent professionals to assist in delivering services, provided we remain responsible for our contractual obligations subject to these Terms.
- We do not provide legal, accounting, tax, investment, or licensed professional services unless expressly agreed in writing and permitted by applicable law.
Nothing on our website or in our communications constitutes a guarantee of business results, financial performance, regulatory approval, or any particular outcome.
3. User Obligations and Responsibilities
You agree to:
- Provide accurate, current, and complete information when requested.
- Cooperate in good faith and promptly provide materials, approvals, decisions, and access reasonably required for the performance of services.
- Ensure that any information, documents, or data you provide do not infringe third-party rights, violate law, or contain malicious code or harmful content.
- Use the website and services only for lawful purposes and in accordance with these Terms.
- Not misuse, reverse engineer, interfere with, or attempt to gain unauthorized access to our website, systems, content, or service materials.
- Maintain the confidentiality of any credentials or access information provided to you and notify us promptly of any unauthorized use.
You are solely responsible for the decisions you make based on our consulting services, and you should obtain independent professional advice where appropriate.
4. Payment Terms and Conditions
Fees, payment schedules, retainer requirements, expenses, and invoicing terms will be set out in the applicable Engagement Terms or invoice.
- Unless otherwise stated, all fees are in Canadian dollars (CAD).
- Invoices are due within the timeframe specified on the invoice or in the Engagement Terms. If no due date is specified, payment is due within fifteen (15) days of the invoice date.
- Late payments may accrue interest at the lesser of 1.5% per month (18% per annum) or the maximum rate permitted by applicable law.
- You are responsible for all applicable taxes, duties, and government charges, except taxes based on our net income.
- Any third-party costs, travel, filing fees, or out-of-pocket expenses must be pre-approved by you unless otherwise agreed in writing.
- We may suspend work or withhold deliverables if any undisputed payment remains overdue, subject to applicable law and any contractual requirements in the Engagement Terms.
5. Cancellation and Refund Policy
Either party may cancel services in accordance with the applicable Engagement Terms or, if none are stated, by providing reasonable written notice.
- Any prepaid fees are generally non-refundable to the extent that work has already been performed, commitments have been made, or costs have been incurred.
- If you cancel a fixed-fee or milestone-based engagement, you remain responsible for fees for services already rendered and approved expenses incurred up to the cancellation effective date.
- Any refund, if applicable, will be determined based on the portion of services not yet performed, less non-recoverable costs and any administrative charges expressly disclosed in the Engagement Terms.
- We may terminate or suspend services immediately if you materially breach these Terms, fail to pay amounts due, provide unlawful instructions, or engage in abusive or fraudulent conduct.
For consultation bookings or scheduled meetings, cancellation notice requirements may apply as stated in the booking confirmation or Engagement Terms.
6. Liability Limitations
To the maximum extent permitted by applicable law, the services and website are provided on an “as is” and “as available” basis, without warranties of any kind, whether express, implied, statutory, or otherwise.
To the fullest extent permitted by law, Maple Ridge Advisory Inc. disclaims all implied warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and completeness.
To the maximum extent permitted by applicable law:
- We are not liable for indirect, incidental, special, consequential, punitive, or exemplary damages.
- We are not liable for loss of profits, revenue, business opportunity, goodwill, data, or anticipated savings.
- Our total aggregate liability arising out of or relating to the services, website, or these Terms will not exceed the amount paid by you to Maple Ridge Advisory Inc. for the specific services giving rise to the claim in the six (6) months preceding the event first giving rise to liability, or CAD $1,000, whichever is greater, except where such limitation is prohibited by law.
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud, willful misconduct, or any other liability that cannot lawfully be limited in Canada.
7. Intellectual Property Rights
All content, materials, frameworks, methodologies, templates, reports, proposals, documents, graphics, logos, website text, software, and other intellectual property made available by Maple Ridge Advisory Inc. remain our property or the property of our licensors, unless expressly transferred in writing.
- Subject to full payment of applicable fees, you are granted a limited, non-exclusive, non-transferable, revocable license to use deliverables solely for your internal business purposes, unless otherwise stated in the Engagement Terms.
- You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit our intellectual property except as expressly permitted in writing.
- You retain ownership of materials and data you provide to us, subject to granting us the rights necessary to perform the services.
- Unless otherwise agreed in writing, we may use general knowledge, skills, and non-confidential know-how developed in the course of providing services, provided we do not disclose your confidential information.
8. Data Protection and Privacy
We collect, use, disclose, and protect personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA), and applicable provincial privacy laws where relevant.
By using our website or services, you acknowledge that we may collect personal and business information necessary to provide services, manage client relationships, administer billing, comply with legal obligations, and improve our operations.
- We will use reasonable administrative, technical, and physical safeguards to protect personal information.
- We may share information with service providers, advisors, subcontractors, or authorities where necessary for service delivery, legal compliance, or enforcement of our rights.
- You are responsible for ensuring that any personal information you provide to us has been collected and shared lawfully, including any required notices or consents.
- Our handling of personal information may also be described in a separate privacy policy, which, if posted, is incorporated by reference to the extent not inconsistent with these Terms.
If you have privacy-related questions, you may contact us using the details in Section 12.
9. Force Majeure
We will not be liable for any failure or delay in performance to the extent caused by events beyond our reasonable control, including acts of God, fire, flood, storm, epidemic or pandemic, war, terrorism, civil unrest, labor disputes, internet or telecommunications failures, power outages, government actions, or the failure of suppliers or third parties.
Where a force majeure event occurs, the affected party will use commercially reasonable efforts to mitigate the impact and resume performance as soon as practicable.
10. Changes to Terms
We may update or revise these Terms from time to time. Any changes will be effective upon posting the updated Terms on our website or upon notice to you, if required by law or by the applicable Engagement Terms.
Your continued use of the website or services after the effective date of updated Terms constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the website and services and, where applicable, terminate the engagement in accordance with the Engagement Terms.
11. Applicable Law and Jurisdiction
These Terms and any dispute, claim, or controversy arising out of or relating to them, the website, or the services will be governed by and interpreted in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of laws principles.
You agree that the courts located in Toronto, Ontario will have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the services, unless applicable law requires otherwise.
12. Contact Information
If you have questions about these Terms or our services, please contact:
- Maple Ridge Advisory Inc.
- 100 King Street West, Suite 5600, Toronto, ON M5X 1C9
- Email: [email protected]
- Phone: +1 416 555 0198
- Company registration / CIN: 1234567890
- Website: bralfinbo.pro
13. Severability Clause
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision will be severed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
If a provision is held unenforceable but could be enforced if modified, the provision will be deemed modified to the minimum extent necessary to make it enforceable while preserving the parties’ intent to the greatest extent permitted by law.
Entire Agreement: These Terms, together with any applicable Engagement Terms and any posted policies referenced herein, constitute the entire agreement between you and Maple Ridge Advisory Inc. regarding the subject matter hereof and supersede prior or contemporaneous understandings, communications, and representations, whether oral or written, to the extent permitted by law.