1. Acceptance of these terms
These Terms of Service govern your access to and use of the Espanioli Financial website (the "Website", "website", "site"). By using the Website, you agree to these terms and to our Privacy Policy. If you do not agree, do not use the Website.
2. Informational use only
The Website is provided for general informational purposes. Nothing on it is investment, legal, tax, accounting, or other professional advice; a recommendation; an offer to sell; or a solicitation to buy any security, product, or service. Any decision to invest should be made only after obtaining independent advice and reviewing the applicable offering, account, or other governing documents. Certain users may access account information through this website. Account information is unaudited and may be based on estimates. Do not make any decisions based on such infomation as it is subject to change without notice.
Investing involves risk, including possible loss of principal. Past performance is not indicative of future results. Information on the Website may not be complete, current, or suitable for your circumstances.
3. Eligibility and restricted use
You are responsible for ensuring that your use of the Website complies with the laws that apply to you. The Website is not directed to any person or entity in a jurisdiction where its availability or use would be unlawful or would require registration that Espanioli Financial has not obtained.
4. Acceptable use
You must not misuse the Website. In particular, but not limited to, you must not:
- violate any applicable law or another person's rights;
- interfere with the Website's operation, security, availability, or other users;
- attempt to obtain unauthorized access to the Website, accounts, or information;
- use automated means to access, copy, scrape, or extract Website content without our prior written permission; or
- introduce malicious code, impersonate another person, or provide false or misleading information.
5. Intellectual property
The Website and its content, including its text, design, graphics, trademarks, and other materials, are owned by Espanioli Financial or its licensors and are protected by applicable law. We grant you a limited, revocable, non-transferable licence to view the Website for your personal, non-commercial use. No other right is granted without our prior written permission.
6. Custody and third-party trademarks
All third-party product names, logos, brands, and trademarks displayed on the Website, including CIBC Wealth Management, are the property of their respective owners. Reference to or display of these trademarks does not imply any sponsorship, endorsement, joint venture, or official partnership. CIBC Wealth Management acts solely as an independent custodian for funds under a separate account arrangement, and does not endorse, sponsor, manage, or guarantee the operations or investment strategies of Espanioli Financial Inc.
7. Third-party links
The Website may link to third-party websites for convenience. We do not control, endorse, or assume responsibility for their content, availability, security, or privacy practices. Review the third party's terms and privacy notice before using its site.
8. Availability and changes
We may change, suspend, or discontinue any part of the Website at any time. We do not promise that the Website will be uninterrupted, error-free, secure, or available at all times. We may update these terms by posting a revised version here. Your continued use after the effective date means you accept the revised terms.
9. Disclaimers
To the extent permitted by law, the Website is provided “as is” and “as available,” without any representation, warranty, or condition, express or implied. We do not warrant the accuracy, completeness, reliability, timeliness, merchantability, fitness for a particular purpose, non-infringement, or security of the Website or its content. Espanioli Financial Inc. is incorporated in Calgary, Alberta and is not a registered investment dealer, portfolio manager, or financial advisor under applicable securities legislation.
10. Limitation of liability
To the extent permitted by law, Espanioli Financial and its directors, officers, employees, contractors, affiliates, and licensors will not be liable for any loss or damage arising from or related to your use of, inability to use, or reliance on the Website or its content. This includes indirect, incidental, special, consequential, exemplary, or punitive damages, and loss of profits, data, business, or goodwill.
11. Privacy
Our Privacy Policy explains how we collect, use, disclose, retain, and protect personal information. It forms part of these terms.
12. Contact us
Questions about these terms can be sent to info@espanioli.com.
13. General
If a provision of these terms is unenforceable, the remaining provisions will continue to apply. A failure to enforce a provision is not a waiver of it. These terms do not create any partnership, agency, employment, or joint venture relationship between you and Espanioli Financial.