Terms of Use

These Terms of Use (the “Terms” or this “Agreement”) govern your access to and use of the website operated by Changoo & Associates (“C&A,” “we,” “us,” or “our”) (the “Site”).

By accessing, browsing, or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and to comply with all applicable laws and regulations. If you do not agree to these Terms, you must not access or use the Site.

1. Eligibility; Modifications

1.1 Eligibility
You may use the Site only if you have the legal capacity to form a binding agreement under applicable law.

1.2 Modifications
We may update or revise these Terms at any time by posting an updated version on the Site. Changes are effective upon posting. Your continued use of the Site following any changes constitutes acceptance of the revised Terms.

2. Intellectual Property; Limited License

2.1 Ownership
The Site and all content, features, and functionality—including text, graphics, logos, images, audio, video, software, and the design, selection, and arrangement thereof—are owned by C&A or its licensors and are protected by Canadian and international intellectual property laws.

2.2 Limited License
Subject to your compliance with these Terms, C&A grants you a limited, revocable, non-exclusive, non-transferable license to access and display content from the Site for personal or internal business use only, provided that you do not modify the content and retain all proprietary notices.

2.3 Restrictions
Except as expressly permitted, you may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any portion of the Site without prior written consent. Unauthorized use terminates this license immediately.

3. Informational Purpose; No Relationship; No Offer

3.1 Informational Use Only
The Site is provided for general informational purposes only and does not constitute professional, financial, legal, tax, or investment advice.

3.2 No Advisory or Fiduciary Relationship
Your use of the Site does not create any client, advisory, fiduciary, or other professional relationship between you and C&A.

3.3 No Offer or Solicitation
Nothing on the Site constitutes or should be construed as an offer, solicitation, recommendation, or endorsement of any securities, financial instruments, transactions, or investment strategies. Any references to structures, frameworks, or market practices are illustrative and informational only.

3.4 No Reliance
You agree that any reliance on the Site or its content is at your sole risk.

4. Access, Security, and Availability

4.1 Availability
We may modify, suspend, or discontinue the Site, in whole or in part, at any time without notice or liability.

4.2 Security Responsibilities
You are responsible for implementing appropriate safeguards to protect your systems, including antivirus protection, secure access, and data backups.

4.3 Prohibited Conduct
You agree not to:

interfere with or disrupt the Site or related systems;
attempt unauthorized access to the Site or its infrastructure;
use the Site for unlawful, fraudulent, or infringing purposes;
introduce malicious code or harmful technologies;
use automated tools (including scraping or data mining) without prior written consent.

5. Third-Party Links

The Site may contain links to third-party websites or services. These links are provided for convenience only. C&A does not control or endorse third-party content and is not responsible for their practices. Accessing such sites is at your own risk.

6. Submissions and Feedback

6.1 General
Unless otherwise agreed in writing, any information or materials you submit to C&A through the Site (“Feedback”) will be treated as non-confidential.

6.2 License
You grant C&A a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, and distribute such Feedback for lawful purposes.

6.3 Carve-Out
This section does not apply to information submitted pursuant to a formal client engagement, which is governed by separate confidentiality obligations.

7. Privacy

Your use of the Site is subject to our Privacy Policy, which describes how we collect, use, and safeguard information. By using the Site, you consent to such practices.

8. Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, C&A DISCLAIMS ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

C&A DOES NOT WARRANT THAT:

THE SITE WILL BE AVAILABLE, UNINTERRUPTED, OR ERROR-FREE;
CONTENT WILL BE ACCURATE, COMPLETE, OR CURRENT;
THE SITE IS FREE OF VIRUSES OR HARMFUL COMPONENTS.

YOUR USE OF THE SITE IS AT YOUR SOLE RISK.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, C&A AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE.

C&A’S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED ONE CANADIAN DOLLAR (CAD $1.00).

10. Indemnification

You agree to indemnify and hold harmless C&A and its affiliates, officers, directors, employees, and agents from any claims, damages, or liabilities arising from:

your use of the Site;
your violation of these Terms;
your violation of applicable law or third-party rights.

This obligation survives termination.11. Governing Law

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

You consent to the exclusive jurisdiction of the courts located in Toronto, Ontario.

12. Compliance with Laws

You agree to comply with all applicable laws, including export control, sanctions, and anti-corruption regulations, in connection with your use of the Site.

13. Termination

We may suspend or terminate your access to the Site at any time, with or without notice. Provisions that by their nature should survive will remain in effect.

14. Miscellaneous

14.1 Severability
If any provision is found invalid, the remaining provisions remain enforceable.

14.2 No Waiver
Failure to enforce any provision does not constitute a waiver.

14.3 Assignment
You may not assign these Terms without consent. C&A may assign them freely.

14.4 Entire Agreement
These Terms constitute the entire agreement regarding use of the Site.

15. Regulatory Positioning

Changoo & Associates operates as an advisory platform. We do not act as brokers, dealers, placement agents, or underwriters, and we do not engage in securities distribution. Any financing or investment activities are conducted by appropriately licensed entities.

16. Contact

Changoo & Associates
Toronto, Ontario, Canada
📧 [email protected]