Terms and Conditions

Terms and Conditions for Financial Planning Services

Effective Date: June 26, 2025

These terms govern your use of novusbrightacademy.com financial planning consultation services, including investment portfolio optimization, retirement planning, and wealth management guidance.

Service Description

novusbrightacademy.com provides professional financial planning consultations ranging from CAD $200 to CAD $1,000, designed to optimize your investment portfolio, develop retirement planning strategies, and enhance overall wealth management through expert financial analysis.

Consultation Process

Our financial planning process includes comprehensive asset allocation review, investment diversification recommendations, tax planning guidance, and personalized strategies for achieving financial security and long-term financial independence.

Client Responsibilities

Clients must provide accurate financial information for effective portfolio optimization and risk management assessment. You are responsible for implementing recommended budget allocation strategies and monitoring your investment diversification progress.

Payment Terms

Consultation fees are due upon booking and range from CAD $200 for Essential Planning to CAD $1,000 for Premium Wealth Management services. All prices are in Canadian dollars and include applicable taxes.

Service Limitations

Our financial analysis provides general guidance for portfolio performance improvement and wealth building strategies. We do not provide specific investment advice or guarantee particular financial independence outcomes.

Intellectual Property

All financial planning materials, investment diversification frameworks, and systematic money management tools provided during consultation remain the intellectual property of novusbrightacademy.com.

Limitation of Liability

novusbrightacademy.com's liability is limited to the consultation fee paid. We are not responsible for investment losses or market changes affecting your portfolio performance or wealth building timeline.

Confidentiality

We maintain strict confidentiality regarding your financial security information, budget allocation details, and systematic financial planning strategies discussed during consultation.

Modification of Terms

We reserve the right to modify these terms as our financial independence planning services evolve. Changes will be communicated via email and posted on our website.

Governing Law

These terms are governed by Canadian law and any disputes will be resolved through arbitration in accordance with Canadian financial services regulations.

Contact Information

For questions about these terms or our comprehensive financial planning services, contact us at [email protected] or +1 (647) 726-2498.