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”).

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:

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.

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.

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:

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.

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.

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:

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.

9/27/2026 Home