Terms of Service

1. Agreement to Terms

By accessing and using the website and services provided by Irvandis Financial Corp. (hereafter "Company," "we," "us," or "our"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, you must discontinue use of our services immediately.

These Terms of Service apply to all users of our website, services, and any related applications, whether accessed via web browser, mobile application, or other platform.

2. Description of Services

Irvandis Financial Corp. provides strategic real estate investment expertise and advisory services for properties in Alberta and across Canada. Our services may include:

• Real estate investment consulting and analysis
• Property valuation and assessment services
• Market research and investment opportunity identification
• Portfolio management and advisory services
• Financial planning and consultation

The specific services provided will be detailed in individual service agreements and engagement letters.

3. Eligibility and Registration

To use our services, you must be at least 18 years of age and capable of entering into a legally binding agreement. By using our services, you represent and warrant that you meet these eligibility requirements.

If you create an account with us, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.

4. Investment Risk Disclosure

Real estate investment involves significant risks. Past performance is not indicative of future results. The value of investments can fluctuate, and investors may lose some or all of their investment capital.

Before engaging our services, you acknowledge and accept the inherent risks associated with real estate investments, including but not limited to:

• Market volatility and property value fluctuations
• Liquidity risks and potential difficulty in selling properties
• Interest rate and financing risks
• Regulatory and legal changes affecting property values
• Environmental and property-specific risks
• Tenant and rental income risks

We strongly recommend consulting with independent financial, legal, and tax advisors before making investment decisions.

5. Professional Advice Disclaimer

While we strive to provide high-quality advisory services, the information and recommendations provided are based on research and analysis available at the time of delivery. We do not provide legal or tax advice, and you should consult with qualified legal and tax professionals regarding your specific situation.

Our services are provided on an "as-is" basis. We make no warranties, express or implied, regarding the accuracy, completeness, or suitability of any advice or recommendations for your particular circumstances.

6. Intellectual Property Rights

All content on our website, including text, graphics, logos, images, videos, and software, is the property of Irvandis Financial Corp. or our content providers and is protected by international copyright, trademark, and other intellectual property laws.

You may view and print pages from our website for personal, non-commercial use only. You may not reproduce, distribute, modify, or transmit any content without our prior written consent. Any unauthorized use of our intellectual property is prohibited.

7. User Conduct and Obligations

You agree not to use our services in any manner that:

• Violates applicable laws, regulations, or industry standards
• Infringes upon the rights of others
• Constitutes harassment, abuse, or discrimination
• Contains malware, viruses, or harmful code
• Attempts to gain unauthorized access to our systems
• Engages in fraudulent or deceptive practices
• Violates the confidentiality of others

8. Limitation of Liability

To the maximum extent permitted by law, Irvandis Financial Corp. and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of revenue, loss of data, or business interruption, arising out of or in connection with your use of our services.

Our total liability for any claim arising from these Terms of Service or your use of our services shall not exceed the amount paid by you for the services in question during the 12 months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless Irvandis Financial Corp., its affiliates, and their respective officers, directors, employees, and agents from any and all claims, damages, losses, costs, and expenses (including legal fees) arising from:

• Your use of our services
• Your violation of these Terms of Service
• Your violation of any applicable law or regulation
• Your infringement of third-party intellectual property rights

10. Confidentiality

Information you provide to us, including personal and financial details, will be handled in accordance with our Privacy Policy. We maintain reasonable security measures to protect your information from unauthorized access, disclosure, or misuse.

You agree that any recommendations, analyses, or strategic advice provided to you are confidential and proprietary to Irvandis Financial Corp. You may not disclose or share this information with third parties without our written consent.

11. Third-Party Links and Services

Our website may contain links to third-party websites and services that are not operated by Irvandis Financial Corp. We are not responsible for the content, accuracy, or practices of these external sites.

Your use of third-party services is governed by their respective terms of service and privacy policies. We recommend reviewing these policies before engaging with external services.

12. Modification of Services and Terms

Irvandis Financial Corp. reserves the right to modify, suspend, or discontinue any aspect of our services at any time. We also reserve the right to update these Terms of Service at any time. Material changes will be communicated to you via email or through prominent notification on our website.

Your continued use of our services following the posting of updates constitutes your acceptance of the modified terms.

13. Termination of Services

We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and with or without notice. Grounds for termination may include:

• Violation of these Terms of Service
• Nonpayment of fees or obligations
• Fraudulent or illegal activity
• Conduct harmful to our business or reputation

14. Governing Law and Jurisdiction

These Terms of Service are governed by the laws of the Province of Alberta, Canada, without regard to its conflict of law principles. Any legal action or proceeding arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts located in Edmonton, Alberta.

15. Dispute Resolution

Before initiating any legal action, you agree to attempt to resolve disputes through good faith negotiation with Irvandis Financial Corp. If negotiation fails, disputes may be resolved through mediation or arbitration, as specified in your service agreement.

16. Data Protection and Privacy

The processing of personal data in connection with our services is governed by our Privacy Policy and applicable data protection regulations, including Canada's Personal Information Protection and Electronic Documents Act (PIPEDA).

We collect and process personal information only as necessary to provide our services and comply with legal obligations. You have the right to access, correct, and request deletion of your personal data in accordance with applicable laws.

17. Anti-Money Laundering Compliance

Irvandis Financial Corp. is committed to preventing money laundering and terrorist financing in accordance with Canadian anti-money laundering laws. We may require additional information and documentation from clients to verify identity and source of funds.

By engaging our services, you certify that you are not involved in illegal activities and that all funds used for investment purposes are legally obtained.

18. Severability

If any provision of these Terms of Service is found to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid, or if that is not possible, such provision shall be severed. The remaining provisions shall continue in full force and effect.

19. Entire Agreement

These Terms of Service, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and Irvandis Financial Corp. regarding the provision of our services. These terms supersede all prior negotiations, understandings, and agreements, whether written or oral.

20. Contact Information

If you have questions about these Terms of Service or our services, please contact us:

These Terms of Service are provided in English. Any translation is for convenience only, and the English version shall prevail in case of discrepancies.