Terms of Service

1. Agreement to Terms

By accessing or using the Rettetranq website (rettetranq.com) or engaging our services, you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the website or use our services.

2. Description of Services

Rettetranq provides financial planning and advisory services, including but not limited to:

• Canadian pension planning and optimization
• Retirement income strategies
• RRSP and TFSA guidance
• Investment management services
• Financial planning consultations
• Educational content and resources

3. Eligibility and Registration

3.1 Age Requirement

You must be at least 18 years of age to use our services or enter into agreements with Rettetranq.

3.2 Capacity

You represent that you have the legal capacity to enter into these Terms and any service agreements.

3.3 Accurate Information

You agree to provide accurate, current, and complete information when registering for our services and to update such information to maintain its accuracy.

4. Financial Advisory Relationship

4.1 Fiduciary Duty

Rettetranq acts as a fiduciary and is committed to acting in your best interests when providing personalized financial advice.

4.2 Suitability

Our recommendations are based on information you provide about your financial situation, goals, risk tolerance, and investment timeline. You are responsible for providing complete and accurate information.

4.3 No Guarantee of Results

While we strive to provide excellent advice, we cannot guarantee specific investment returns or outcomes. All investments involve risk, including potential loss of principal.

5. Fees and Payment Terms

5.1 Fee Structure

Our fees are disclosed in our service agreements and may include:

• Asset-based management fees
• Hourly consultation fees
• Fixed-fee planning services
• Commission-based product sales (where applicable)

5.2 Payment Terms

Fees are typically charged quarterly in advance for ongoing services. One-time planning fees are due upon completion of services unless otherwise agreed.

5.3 Refund Policy

Refunds may be available for unused portions of prepaid services at our discretion, minus any work completed and administrative costs.

6. Client Responsibilities

As a client, you agree to:

• Provide accurate and complete financial information
• Promptly notify us of material changes in your circumstances
• Review and understand all recommendations before implementation
• Make your own investment decisions based on our advice
• Pay fees and expenses as agreed
• Maintain confidentiality of proprietary information

7. Website Use and Content

7.1 Permitted Use

You may use our website for lawful purposes only. You agree not to:

• Violate any applicable laws or regulations
• Transmit any harmful or malicious code
• Attempt to gain unauthorized access to our systems
• Use automated systems to access the website
• Reproduce content without permission

7.2 Intellectual Property

All content on our website, including text, graphics, logos, and software, is owned by Rettetranq or our licensors and protected by copyright and other intellectual property laws.

7.3 Educational Content

Information on our website and blog is for educational purposes only and should not be considered personalized financial advice. Always consult with a qualified advisor before making financial decisions.

8. Privacy and Confidentiality

We are committed to protecting your privacy and maintaining the confidentiality of your personal and financial information. Please review our Privacy Policy for detailed information about how we collect, use, and protect your data.

9. Regulatory Compliance

9.1 Licensing

Rettetranq and its advisors are licensed and regulated by appropriate Canadian financial regulatory bodies, including:

• Investment Industry Regulatory Organization of Canada (IIROC)
• Provincial securities regulators
• Financial Planning Standards Council (FPSC)

9.2 Compliance Monitoring

Our services are subject to regulatory oversight, and we maintain comprehensive compliance procedures to ensure adherence to all applicable laws and regulations.

10. Disclaimers and Limitations

10.1 Market Risk

All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. Market conditions can change rapidly and unpredictably.

10.2 Third-Party Information

We may provide information from third-party sources that we believe to be reliable, but we do not guarantee its accuracy or completeness.

10.3 System Availability

While we strive to maintain website availability, we do not guarantee uninterrupted access and are not liable for temporary outages or technical issues.

11. Limitation of Liability

To the maximum extent permitted by law, Rettetranq's liability is limited to the fees paid for our services. We are not liable for:

• Investment losses or market volatility
• Indirect, consequential, or punitive damages
• Technical issues or system downtime
• Third-party actions or omissions
• Force majeure events

12. Indemnification

You agree to indemnify and hold Rettetranq harmless from any claims, damages, or expenses arising from:

• Your violation of these Terms
• Your misuse of our services or website
• Inaccurate information you provide
• Your violation of applicable laws

13. Termination

13.1 Termination by Client

You may terminate our services at any time with written notice. Termination does not relieve you of payment obligations for services already rendered.

13.2 Termination by Rettetranq

We may terminate our relationship if:

• You violate these Terms
• You fail to pay fees when due
• We determine the relationship is no longer suitable
• Required by regulatory authorities

13.3 Effect of Termination

Upon termination, we will provide a final account statement and transfer your assets as directed, subject to any applicable restrictions or fees.

14. Dispute Resolution

14.1 Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

14.2 Dispute Process

Any disputes should first be addressed through our internal complaint resolution process. If unresolved, disputes may be referred to:

• Ombudsman for Banking Services and Investments (OBSI)
• Relevant provincial securities regulator
• Appropriate court jurisdiction

15. Changes to Terms

We may modify these Terms at any time. Material changes will be communicated through:

• Direct notification to clients
• Prominent website notice
• Email communication

Continued use of our services after changes constitute acceptance of the modified Terms.

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

17. Contact Information

For questions about these Terms or our services, please contact: