Terms & Conditions

1. Definitions

In these Terms:

• "Company," "we," "us," or "our" refers to Waynera
• "Services" refers to investment advisory services, consultations, and related offerings
• "Website" refers to waynera.com and all associated pages
• "User," "you," or "your" refers to the individual or entity using our services
• "Content" refers to all information, text, graphics, and materials on our website

2. Acceptance of Terms

By accessing our website or using our services, you acknowledge that:

• You have read, understood, and agree to be bound by these Terms
• You are at least 18 years of age and have the legal capacity to enter into agreements
• You will comply with all applicable laws and regulations
• All information you provide is accurate and complete

3. Description of Services

Waynera provides investment advisory services including:

• Investment consultations and planning
• Portfolio assessment and analysis
• Financial education and guidance
• Market research and insights
• Risk management advice

Our services are advisory in nature and do not include portfolio management, trade execution, or custody of securities.

4. Investment Disclaimers

4.1 No Guarantee of Returns

Important: All investments carry risk, and there is no guarantee of investment returns or protection against losses. Past performance does not predict future results.

4.2 Educational Purpose

Information provided through our website and services is for educational and informational purposes only and should not be considered personalized investment advice for any specific individual.

4.3 Professional Advice

Nothing on our website or in our services constitutes:

• Legal, tax, or accounting advice
• A recommendation to buy or sell specific securities
• A guarantee of investment performance
• Professional advice tailored to your specific situation without formal consultation

5. Regulatory Compliance

Waynera operates in compliance with Canadian securities regulations and:

• Maintains all required licenses and registrations
• Adheres to fiduciary standards where applicable
• Follows industry best practices for client protection
• Complies with anti-money laundering regulations

6. Client Responsibilities

As a client or website user, you agree to:

• Provide accurate and complete information
• Update us promptly of any changes to your circumstances
• Make independent investment decisions based on your own research and judgment
• Understand the risks associated with any investments you make
• Seek independent professional advice when appropriate

7. Fees and Payment

7.1 Fee Structure

Our fees are disclosed prior to providing services and may include:

• Consultation fees
• Planning fees
• Ongoing advisory fees
• Project-based fees

7.2 Payment Terms

Payment terms will be specified in your service agreement. Generally:

• Fees are due as specified in your agreement
• Initial consultations may be complimentary
• Ongoing services require advance payment
• Refunds are subject to our refund policy

8. Intellectual Property

All content on our website, including text, graphics, logos, and software, is protected by intellectual property laws and belongs to Waynera or its licensors.

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or logos without authorization
• Reverse engineer or attempt to extract source code
• Create derivative works based on our content

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our services, you consent to:

• Collection of personal and financial information necessary to provide services
• Use of information as described in our Privacy Policy
• Storage and processing of information in Canada
• Disclosure when required by law or regulation

10. Limitation of Liability

10.1 Service Limitations

We are not liable for:

• Investment losses or poor investment performance
• Decisions made based on general information provided
• Technical issues with our website or systems
• Third-party service failures
• Market volatility or economic conditions

10.2 Maximum Liability

In no event shall our total liability exceed the amount of fees paid by you to us in the 12 months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless Waynera, its employees, and affiliates from any claims, damages, or expenses arising from:

• Your violation of these Terms
• Your use of our services
• Your investment decisions
• Any false or misleading information you provide

12. Website Use and Restrictions

12.1 Permitted Use

You may use our website for lawful purposes related to learning about our services and investment education.

12.2 Prohibited Activities

You may not:

• Use our website for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Transmit viruses or malicious code
• Interfere with the website's operation
• Harvest or collect user information
• Impersonate others or provide false information

13. Third-Party Links and Services

Our website may contain links to third-party websites or services. We are not responsible for:

• The content or privacy practices of third-party sites
• Any damages resulting from third-party services
• The accuracy of information on external websites
• Third-party service availability or functionality

14. Service Modifications and Termination

14.1 Service Changes

We reserve the right to:

• Modify or discontinue services with reasonable notice
• Update our website content and functionality
• Change fee structures with advance notice
• Suspend services for maintenance or technical reasons

14.2 Termination

Either party may terminate the service relationship:

• With written notice as specified in service agreements
• Immediately for material breach of terms
• Upon mutual agreement

15. Dispute Resolution

15.1 Governing Law

These Terms are governed by the laws of Ontario, Canada, without regard to conflict of law principles.

15.2 Dispute Process

In the event of a dispute, the parties agree to:

1. First attempt to resolve the matter through direct negotiation
2. Consider mediation if negotiation fails
3. Submit to binding arbitration if other methods fail
4. Pursue litigation only as a last resort

15.3 Jurisdiction

Any legal proceedings shall be conducted in the courts of Ontario, Canada.

16. Google Ads Compliance

These Terms comply with Google Ads policies:

• We do not make misleading claims about investment returns
• All disclaimers and risk warnings are clearly presented
• We comply with financial services advertising guidelines
• User data is collected and used in accordance with privacy policies

17. Changes to Terms

We may update these Terms from time to time. When we make changes:

• We will post the updated Terms on our website
• We will update the "Last updated" date
• For material changes, we may provide additional notice
• Continued use of our services constitutes acceptance of updated Terms

18. Severability

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

19. Entire Agreement

These Terms, along with our Privacy Policy and any service agreements, constitute the entire agreement between you and Waynera regarding your use of our services.

20. Contact Information

If you have questions about these Terms, please contact us: