These Terms and Conditions govern your access to and use of invermacbiz.com and its content. By accessing or using this website, you agree to these terms. If you do not agree, please do not use the website.

“Invermac,” “we,” “us” and “our” refer to Invermac Financial Services.

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1. General Information Only

The content on this website is provided for general educational and informational purposes. It is not intended to constitute tax, accounting, bookkeeping, financial, investment, insurance, mortgage, legal or other professional advice.

Information appropriate for one person or business may not be appropriate for another. You should obtain advice based on your specific circumstances before making a financial, tax, legal or business decision.

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2. No Professional Relationship

Visiting this website, submitting a form, sending a message or downloading information does not create a client, adviser, accountant, representative or other professional relationship with Invermac.

A professional relationship begins only after Invermac accepts the engagement and any required engagement letter, consent, authorization, identification, payment or onboarding requirements have been completed.

Where an engagement letter or service agreement conflicts with these website terms, the engagement letter or service agreement will govern the professional services covered by it.

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3. No Guarantee of Results

Invermac does not guarantee:

• A particular refund, tax saving or financial result

• Acceptance of a return, claim, deduction or position by the Canada Revenue Agency

• Approval for a mortgage, loan, insurance product or financial service

• The availability or outcome of a government benefit, credit or program

• The accuracy of estimates based on incomplete or inaccurate information

• Any particular response time unless agreed to in writing

Results depend on individual circumstances, the completeness and accuracy of information provided, applicable law and decisions made by government agencies or third parties.

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4. Accuracy and Currency of Information

We make reasonable efforts to provide useful and accurate information. However, tax rules, benefit programs, filing requirements, interest rates, financial products and government policies can change.

Invermac does not represent that every page is complete, current or suitable for every situation. Website content should not replace current advice concerning your circumstances.

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5. Your Responsibilities

When using this website or communicating with Invermac, you agree to:

• Provide accurate and lawful information

• Avoid impersonating another person

• Avoid submitting information without proper authority

• Use approved secure methods for sensitive documents

• Avoid introducing malicious software or attempting unauthorized access

• Avoid interfering with the operation or security of the website

• Avoid copying or exploiting website content in violation of these terms

You remain responsible for reviewing documents, meeting filing and payment deadlines, retaining supporting records and informing Invermac promptly of relevant changes.

Submitting information close to a deadline does not guarantee that Invermac can complete the requested work before that deadline.

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6. Electronic Communications

Messages sent through this website or ordinary email may not be fully secure. Do not transmit Social Insurance Numbers, banking information, tax slips, passwords or similarly sensitive information through a general contact form or ordinary email unless Invermac has approved that method.

You consent to receiving electronic communications necessary to respond to your inquiry or administer an active service relationship.

Promotional electronic messages will be sent only where Invermac has the consent or other legal authority required. You may unsubscribe from promotional messages using the method provided.

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7. Appointments and Cancellations

Appointment availability is not guaranteed until confirmed by Invermac.

If cancellation, rescheduling, deposit or missed-appointment rules apply, they will be disclosed during the booking process or in the applicable service agreement.

Invermac may decline, cancel or reschedule an appointment when reasonably necessary.

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8. Third-Party Services and Referrals

The website may refer or link users to independent accountants, financial planners, mortgage professionals, insurance representatives, lawyers, technology providers or other third parties.

Unless expressly stated otherwise, those providers are independent from Invermac. A referral is not a guarantee, endorsement or warranty of that provider’s services, qualifications, advice, pricing or results.

You are responsible for evaluating a third-party provider and entering into any separate agreement directly with that provider. Invermac is not responsible for the acts, omissions, availability, advice or services of an independent third party.

Any compensation or referral arrangement that must be disclosed will be addressed as required by applicable law or professional obligations.

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9. External Links

Links to government resources and other external websites are provided for convenience. Invermac does not control and is not responsible for external content, availability, security, accuracy or privacy practices.

A link does not necessarily indicate endorsement or affiliation.

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10. Intellectual Property

Unless otherwise indicated, the website’s text, graphics, branding, layout, downloadable materials and other original content belong to Invermac or are used with permission.

You may view or print reasonable portions for personal, non-commercial use. You may not reproduce, republish, modify, distribute, sell, license or commercially exploit website content without prior written permission.

Government materials and third-party content remain subject to the rights and terms of their respective owners.

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11. Website Availability and Security

Invermac does not guarantee that the website will always be available, uninterrupted, secure or free of errors, viruses or harmful components.

We may modify, suspend or discontinue any part of the website without notice. You are responsible for maintaining appropriate device, password, backup and cybersecurity protections.

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12. Limitation of Liability

To the extent permitted by law, Invermac will not be liable for indirect, incidental, special, consequential or punitive loss arising from:

• Access to or inability to access the website

• Reliance on general website information

• Website errors, interruptions or security incidents

• External websites or third-party services

• Information submitted through an insecure or unauthorized method

Nothing in these terms excludes liability that cannot lawfully be excluded or limited. Any liability relating to professional services will also be governed by the applicable engagement letter or service agreement.

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13. Indemnification

To the extent permitted by law, you agree to indemnify Invermac against claims, losses and reasonable expenses resulting from your unlawful use of the website, violation of these terms, infringement of another person’s rights or submission of information you were not authorized to provide.

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14. Privacy

Our collection, use and disclosure of personal information through the website are described in the Invermac Privacy Policy. The Privacy Policy forms part of these Terms and Conditions.

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15. Governing Law

These terms are governed by the laws of Ontario and the applicable federal laws of Canada.

Subject to any mandatory legal rights or jurisdictional requirements, disputes relating to the website will be brought before the courts located in Ontario.

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16. Severability

If any provision of these terms is found invalid or unenforceable, the remaining provisions will continue in effect. The affected provision will be interpreted or modified only to the extent necessary to make it lawful and enforceable.

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17. No Waiver

A failure by Invermac to enforce a provision of these terms does not waive its right to enforce that provision later.

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18. Changes to These Terms

Invermac may revise these Terms and Conditions from time to time. Updated terms will be posted on the website with a revised “Last updated” date.

Your continued use of the website after revised terms are posted constitutes acceptance of the updated terms.

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19. Contact Information

Questions concerning these Terms and Conditions may be directed to:

Invermac Financial Services
15 Skyridge Rd
Telephone: 416-283-3711
Email: invermac.admin@gmail.com