Terms and Conditions
Legal Agreement
These Terms and Conditions constitute a legally binding agreement between you and Tangent Wealth. By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these terms.
Last updated: November 2025
User Obligations
Legal Compliance
You agree to comply with all applicable laws and regulations when using our website and services. This includes, but is not limited to, laws governing financial services, data protection, intellectual property, and electronic communications.
Prohibited Activities
You agree not to engage in any of the following prohibited activities:
- • Violating or attempting to violate the security of our website
- • Using our services for any unlawful purpose or to further illegal activities
- • Transmitting false, misleading, or fraudulent information
- • Harassing, threatening, or defaming other users or third parties
- • Infringing upon intellectual property rights of Tangent Wealth or others
- • Attempting to reverse engineer, decompile, or disassemble any website software
- • Using automated systems or software to extract data without authorization
Conduct Requirements
You agree to conduct yourself in a professional and respectful manner when interacting with our website, services, and representatives. Any abusive, harassing, or threatening behavior may result in immediate termination of access.
User Responsibilities
Information Accuracy
You are responsible for ensuring that all information you provide to us is accurate, complete, and up to date. You agree to promptly update any information that changes to maintain its accuracy.
Indemnification
You agree to indemnify, defend, and hold harmless Tangent Wealth, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your access to or use of our services, your violation of these Terms and Conditions, or your violation of any rights of another party.
Privacy Compliance
When providing us with personal information about third parties (such as family members for inheritance planning), you represent that you have obtained all necessary consents and permissions to share such information with us.
Third-Party Interactions
Your interactions with third-party service providers, advertisers, or other users found on or through our website are solely between you and such third parties. You agree that Tangent Wealth is not responsible or liable for any loss or damage incurred as a result of such interactions.
Disclaimers and Limitations of Liability
Disclaimer of Warranties
Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that our website will be uninterrupted, error-free, or free from viruses or other harmful components. We make no representations about the accuracy, completeness, or reliability of any content or information provided through our services.
Limitation of Liability
To the maximum extent permitted by law, Tangent Wealth shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
- • Your access to or use of or inability to access or use our services
- • Any conduct or content of any third party on our website
- • Unauthorized access, use, or alteration of your transmissions or content
- • Any errors, mistakes, or inaccuracies in content
- • Personal injury or property damage resulting from your use of our services
Consequential Damages
In no event shall our total liability to you for all damages, losses, and causes of action exceed the amount paid by you to Tangent Wealth, if any, for accessing or using our services during the twelve months preceding the claim.
Force Majeure
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, natural disasters, pandemics, governmental actions, or interruptions in telecommunications or internet services.
Legal Information and Dispute Resolution
Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of Ontario, Canada, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located in Toronto, Ontario for the resolution of any disputes.
Dispute Resolution
In the event of any dispute, controversy, or claim arising out of or relating to these Terms and Conditions, the parties agree to first attempt to resolve the matter through good faith negotiations. If the dispute cannot be resolved through negotiation within thirty days, either party may pursue formal legal proceedings.
Severability
If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy and any other legal notices published on this website, constitute the entire agreement between you and Tangent Wealth concerning your use of our website and services.
Modifications
We reserve the right to modify these Terms and Conditions at any time. We will notify users of any material changes by posting the updated terms on this page with a new effective date. Your continued use of our services following such modifications constitutes your acceptance of the updated terms.
Age Restrictions
Our services are intended for individuals who are at least 18 years of age. By using our website and services, you represent and warrant that you are of legal age to form a binding contract with Tangent Wealth. We do not knowingly provide services to minors.
Contact Information
If you have questions or concerns about these Terms and Conditions, please contact us:
Visit our Contact page or use the contact information provided in the footer of this website.