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 (“Changoo,” “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, do not use the Site.

1. Eligibility; Changes to These Terms

1.1 Eligibility. You may use the Site only if you can form a binding contract with Changoo under applicable law.
1.2 Modifications. We may 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 after changes are posted constitutes acceptance.

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 Changoo or its licensors and are protected by Canadian and international copyright, trademark, and other intellectual property laws. © 2025 Changoo & Associates. All rights reserved.
2.2 Limited License. Subject to your compliance with these Terms, Changoo grants you a limited, revocable, non-exclusive, non-transferable license to download and display content from the Site on a single device for personal or internal business use only, provided that (a) you do not modify the materials; and (b) you retain all copyright and proprietary notices.
2.3 Restrictions. Except as expressly permitted in Section 2.2, you may not copy, reproduce, republish, upload, post, transmit, distribute, sell, license, reverse engineer, or create derivative works based on the Site or its content, in whole or in part, without Changoo’s prior written consent. Any unauthorized use automatically terminates the license granted herein.

3. No Services, Endorsement, or Professional Advice

3.1 Informational Only. The Site is provided for general informational purposes and does not constitute professional, financial, legal, tax, investment, or other advice. Your use of the Site or receipt of materials does not create a client, advisory, fiduciary, or other relationship with Changoo.
3.2 No Endorsement. References to third-party information, products, or services do not constitute or imply endorsement. You rely on any Site content at your sole risk.

. Access, Security, and Availability

4.1 Availability. We may modify, suspend, or discontinue the Site (in whole or part) at any time without notice or liability. The Site may be unavailable periodically for maintenance or technical reasons.
4.2 Security & Safeguards. You are solely responsible for implementing appropriate safeguards (including anti-virus, anti-malware, and backup procedures) to protect your devices and data.
4.3 Prohibited Conduct. You agree not to: (a) interfere with or disrupt the Site or servers; (b) attempt to gain unauthorized access to the Site, accounts, or systems; (c) use the Site for unlawful, infringing, or fraudulent purposes; (d) introduce viruses, worms, or other malicious code; (e) use any data-mining, scraping, or automated tools without our prior written consent.

5. Third-Party Links and Services

The Site may contain links to third-party websites or services. These are provided for convenience only. Changoo does not control and is not responsible for third-party content, products, services, or policies. Accessing third-party sites is at your own risk and subject to their terms.

6. Submissions and Feedback

6.1 No Confidentiality. Except as expressly stated in our Privacy Policy, any questions, comments, suggestions, ideas, or materials you submit (“Feedback”) are not confidential.
6.2 License to Changoo. By providing Feedback, you grant Changoo a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, adapt, publish, translate, distribute, and display such Feedback for any lawful purpose, without compensation to you.

7. Privacy

Your use of the Site is also governed by our Privacy Policy (as updated from time to time). By using the Site, you consent to the collection, use, and disclosure of information as described therein.

8. Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, CHANGOO DISCLAIMS ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WITHOUT LIMITING THE FOREGOING, CHANGOO DOES NOT WARRANT THAT: (A) THE SITE OR CONTENT WILL BE ACCURATE, COMPLETE, OR CURRENT; (B) THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE; OR (C) THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THE SITE IS AT YOUR SOLE RISK.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL CHANGOO OR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR REPRESENTATIVES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY) ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN ANY EVENT, CHANGOO’S TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THE SITE SHALL NOT EXCEED ONE CANADIAN DOLLAR (CAD $1.00).

Some jurisdictions do not allow the exclusion of implied warranties or limitation of liability; the above limitations may not apply to you to the extent prohibited by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless Changoo and its affiliates, officers, directors, employees, contractors, and agents (collectively, the “Indemnified Parties”) from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from: (a) your use or misuse of the Site; (b) your breach of these Terms; or (c) your violation of any law or third-party rights. Changoo may assume exclusive defence and control of any matter subject to indemnification; you will cooperate fully at your expense.

11. Governing Law; Venue

This Agreement and any dispute or claim arising out of or relating to it or the Site shall be governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles. You irrevocably consent to the exclusive jurisdiction and venue of the courts located in Toronto, Ontario, for all proceedings.

12. Export, Sanctions & Compliance

You represent that you are not located in, under the control of, or a national or resident of any country or entity subject to Canadian, U.S., U.K., or EU sanctions, and you will not use the Site in violation of applicable export, sanctions, or anti-corruption laws.

13. Termination

We may suspend or terminate your access to the Site at any time, with or without cause or notice, and without liability. Upon termination, Sections that by their nature should survive (including Sections 2–3 and 7–15) shall survive.

14. Miscellaneous

14.1 Severability. If any provision is held invalid or unenforceable, that provision will be severed and the remaining provisions will remain in full force and effect.
14.2 No Waiver. No waiver of any term will be deemed a further or continuing waiver of such term or any other term.
14.3 Assignment. You may not assign or transfer this Agreement without our prior written consent. We may assign or transfer it without restriction.
14.4 Entire Agreement. These Terms constitute the entire agreement between you and Changoo regarding the Site and supersede all prior or contemporaneous communications and proposals, whether oral or written. Any waiver or modification must be in writing and signed by Changoo.

15. Contact

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