Terms & Conditions
Last updated: January 15, 2026
1. Acceptance of Terms
By accessing and using the ClanValor website (clanvalor.com), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our website or services. These terms constitute a legally binding agreement between you and ClanValor.
2. Description of Services
ClanValor provides informational content, consulting services, and programs related to financial literacy, social support, and regional development in Canada. The information provided on our website is for general informational purposes only and does not constitute financial, legal, or professional advice. Users should seek qualified professional guidance for their specific circumstances.
3. User Responsibilities
When using our website, you agree to: provide accurate and truthful information when submitting forms or communicating with us; use the website only for lawful purposes and in compliance with all applicable Canadian federal and provincial laws; not attempt to gain unauthorized access to any part of the website, its servers, or any connected systems; not use the website in any manner that could damage, disable, or impair the website's functionality; and not transmit any malicious code, viruses, or harmful material.
4. Intellectual Property
All content on the ClanValor website, including but not limited to text, graphics, logos, images, design elements, and software, is the property of ClanValor or its content suppliers and is protected by Canadian and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without prior written consent from ClanValor.
5. Disclaimer of Warranties
The ClanValor website and its content are provided on an "as is" and "as available" basis. We make no warranties or representations, express or implied, regarding the accuracy, completeness, reliability, or suitability of the information and materials found on this website. Your use of any information or materials on this website is entirely at your own risk, and we shall not be liable for any resulting loss or damage.
6. Limitation of Liability
To the fullest extent permitted by Canadian law, ClanValor, its directors, employees, partners, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the website or services. Our total liability for any claim arising from these terms shall not exceed the amount paid by you, if any, for accessing our services during the twelve months preceding the claim.
7. External Links
Our website may contain links to third-party websites or services that are not owned or controlled by ClanValor. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. Inclusion of any link does not imply endorsement by ClanValor.
8. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.
9. Modifications to Terms
ClanValor reserves the right to modify or replace these Terms and Conditions at any time. Material changes will be indicated by updating the "Last updated" date at the top of this page. Your continued use of the website following any changes constitutes acceptance of the revised terms. We recommend reviewing these terms periodically.
10. Severability
If any provision of these Terms and Conditions is found to be unenforceable or invalid under applicable Canadian law, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
11. Contact Information
For questions or concerns regarding these Terms and Conditions, please contact us at: ClanValor, 150 Elgin Street, Suite 400, Ottawa, ON K2P 1L4, Canada. Email: info@clanvalor.com. Phone: +1 (613) 555-0192.