Terms of Service

1. Acceptance of Terms

By accessing and using the Journey Financial website (travell-journeyy.com) and our financial planning services, you accept and agree to be bound by the terms and conditions of this agreement. If you do not agree to abide by these terms, please do not use our services or access our website.

2. About Journey Financial

Journey Financial is a Canadian financial planning firm providing retirement planning, pension optimization, and related financial advisory services. We are licensed and regulated by appropriate Canadian financial regulatory authorities.

Our registered address is:
1250 René-Lévesque Blvd West, Suite 2200
Montreal, QC H3B 4W8

3. Services Provided

Journey Financial provides the following services:

• Canada Pension Plan (CPP) optimization strategies
• Old Age Security (OAS) planning and guidance
• RRSP and TFSA investment strategies
• Estate planning consultation
• Risk management and insurance planning
• Tax planning strategies
• General retirement planning advice

All services are provided in accordance with Canadian financial regulations and industry best practices.

4. Client Responsibilities

As a client of Journey Financial, you agree to:

• Provide accurate and complete financial information
• Promptly notify us of any changes to your financial situation
• Review all recommendations and documentation carefully
• Ask questions if you do not understand any aspect of our advice
• Make independent decisions regarding financial transactions
• Pay fees and charges as agreed upon
• Maintain confidentiality of sensitive information shared during consultations

5. Financial Advice and Disclaimers

Important disclaimers regarding our financial advice:

• All financial advice is based on information you provide and current market conditions
• Past performance does not guarantee future results
• Investment values can fluctuate and you may lose principal
• We cannot guarantee specific outcomes or returns
• You are responsible for making final decisions regarding your financial affairs
• We recommend consulting with tax professionals and legal advisors for specific situations
• Our advice is general in nature and may not be suitable for all individuals

6. Fees and Payment Terms

Our fee structure will be clearly disclosed before any services are provided. Fees may include:

• Initial consultation fees
• Ongoing advisory fees
• Asset management fees
• Plan preparation fees

Payment terms will be specified in your service agreement. Late payment may result in suspension of services and additional charges.

7. Confidentiality and Privacy

We are committed to protecting your privacy and maintaining the confidentiality of your personal and financial information. All client information is handled in accordance with our Privacy Policy and applicable Canadian privacy legislation.

We will not disclose your information to third parties without your consent, except as required by law or regulation.

8. Website Use and Intellectual Property

The content on our website, including text, graphics, logos, and software, is owned by Journey Financial and protected by Canadian and international copyright laws. You may:

• View and download content for personal, non-commercial use
• Print pages for your personal reference

You may not:

• Reproduce, distribute, or modify content without permission
• Use our content for commercial purposes
• Remove copyright notices or other proprietary markings

9. Limitation of Liability

To the maximum extent permitted by law, Journey Financial's liability for any damages arising from our services or website use is limited to the fees paid for the specific service that gave rise to the claim.

We are not liable for:

• Indirect, incidental, or consequential damages
• Loss of profits or business opportunities
• Market losses beyond our control
• Technical issues with our website or third-party services
• Decisions made based on information from sources other than Journey Financial

10. Termination

Either party may terminate the advisory relationship at any time with written notice. Upon termination:

• All outstanding fees become immediately due
• We will provide you with copies of your records
• Confidentiality obligations continue indefinitely
• You may request transfer of your accounts to another advisor

11. Complaints and Dispute Resolution

If you have a complaint about our services, please contact us immediately. We are committed to resolving issues promptly and fairly. If we cannot resolve your complaint internally, you may escalate it to the appropriate regulatory body or ombudsman service.

12. Governing Law

These terms are governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein. Any disputes will be resolved in the courts of Quebec.

13. Changes to Terms

We may update these terms from time to time. Material changes will be communicated to existing clients, and the updated terms will be posted on our website. Continued use of our services constitutes acceptance of the revised terms.

14. Contact Information

For questions about these terms or our services, please contact us: