Terms of using this website

1. Accepting these terms

By using this website you agree to these terms. If you do not agree, please do not use the site.

These terms cover the website only. Paid work is governed by a separate signed engagement agreement between you and SV FINANCIAL CONSULTING CORPORATION.

2. The content here is general information

Everything on this website, including service pages, guides, checklists, calculators, quizzes, and fee ranges, is published for general information. It is not advice for your situation. Read the Disclaimer for the full statement.

Fee figures shown anywhere on this site are illustrative starting points. A quote is issued in writing after we understand your facts.

3. Using the site does not make you a client

Browsing the site, submitting a form, booking a consultation, downloading a resource, or exchanging messages with us does not create a professional relationship, a duty of care, or an engagement.

We become your service provider only when both sides sign a written engagement agreement that names the scope, the deliverables, and the fee. Until that happens, do not act or refrain from acting on anything you read here, and do not send us confidential or sensitive documents.

4. Engagement terms

Paid work is governed by a written engagement agreement between you and SV FINANCIAL CONSULTING CORPORATION. These website terms do not govern paid work, and nothing on this website forms part of an engagement unless the engagement agreement says so.

4.1 How an engagement starts

An engagement starts when both sides sign a written engagement agreement. Before that, a consultation is a conversation. Booking time, describing your situation, receiving an indicative fee, or receiving a scope outline does not start an engagement and does not oblige either side to proceed.

The agreement names the scope of work, the deliverables, the filings covered, the tax years covered, what each side is responsible for, the fee, and the payment terms. If a point matters to you, it belongs in the agreement rather than in an email.

4.2 What we are responsible for

We are responsible for performing the scope in the agreement with reasonable professional care and skill, for telling you who is reviewing and signing your work before the engagement begins, and for raising a scope question with you before doing work that falls outside what was agreed.

4.3 What you are responsible for

You are responsible for giving us complete and accurate information, for giving it to us in time for us to do the work, and for telling us about anything that changes your facts during the engagement, including a change of residence, days present in either country, a new source of income, a new account or entity, or a filing history you have not yet disclosed.

We prepare work from the facts you give us. We do not independently verify or confirm the information you provide, and we are not responsible for a consequence that follows from information that was incomplete, late, or inaccurate.

4.4 Scope changes

If work outside the agreed scope becomes necessary, we tell you before we do it, we tell you what it changes about the fee, and we do it only once you agree in writing. Nothing outside the agreed scope is performed first and billed afterwards.

4.5 Documents and secure channels

Do not send tax identifiers, banking credentials, or complete tax documents through a website form, chat widget, or messaging app. Once an engagement is signed, we give you a secure channel for those. How we handle what you send is set out in the Privacy Policy.

4.6 Filing deadlines

Deadlines are set by the relevant tax authority, not by us. We tell you what the deadline for your filing is and what we need from you to meet it. Meeting it depends on receiving your information in time. We do not control, and do not promise, how a tax authority will treat any filing, any late filing, or any request made to it.

4.7 Ending an engagement

Either side may end an engagement in writing. Fees for work already performed remain payable. On request we return your own documents and provide a copy of the work completed to that point, subject to any amount outstanding and to our record-keeping obligations.

4.8 Which document wins

Where the signed engagement agreement and this website differ on anything to do with paid work, the engagement agreement governs.

5. Fee schedule and published fee figures

5.1 Figures on this website are illustrative

Any fee figure published anywhere on this website, including on service pages, fee cards, guides, and the fees page, is an illustrative starting point in the currency marked beside it. It is not a quote, not an offer, not a fee schedule you can rely on, and not a representation that your work will cost that amount.

Figures are shown so you can tell roughly where a service sits before you speak to anyone, which is more than most firms publish. They are not shown as a price you have been given.

5.2 The fee schedule is in progress

SV Financial's fee schedule is being finalised. Until it is finalised and approved, every published figure carries a visible sample note, and any fee row that has not yet been approved renders as a marked placeholder rather than a number. A placeholder is not a hidden price. It means the anchor for that service has not been set, and we would rather show you that than show you a figure we may revise.

Published figures may change without notice, including before a fee schedule is finalised. A figure you saw on a previous visit does not bind us and does not entitle you to that fee.

5.3 Currency

Every published figure states its currency, either USD or CAD, next to the figure. A figure without a currency is a display error, not an offer. Currency conversion, bank charges, and payment processing fees are yours unless the engagement agreement says otherwise. Taxes are additional where they apply.

5.4 How a fee actually becomes your fee

Your fee is set the same way every time.

1. We scope the work with you, based on your facts and your filing history.
2. We put a fixed fee for that scope in writing, in the engagement agreement.
3. You agree it before any work begins.
4. It does not change unless the scope changes, and the scope changes only by written agreement under section 4.4.

Only step 2 produces a price you can rely on. Nothing before it, including a figure on this website, an indicative range given on a consultation, or a number mentioned in an email, is a quote.

5.5 What can change a fee

A fee is scoped from the facts we are given. It can change where those facts turn out to be different, for example where additional tax years, filings, entities, accounts, or foreign-reporting obligations come to light, where records are incomplete or need reconstruction, or where you ask for work that was not in the agreed scope. In every case the change is raised with you and agreed in writing before the work is done.

5.6 Consultations

What a consultation costs, if anything, is stated on the booking page before you book. It is never charged without being stated first.

5.7 Relationship to the rest of these terms

This section governs published fee figures. Payment terms for a specific engagement are in that engagement agreement. Section 2 of these terms and the Disclaimer also apply to every figure published on this website.

6. Acceptable use

You may read, print, and share our pages for your own non commercial use. You may not:

• Copy, republish, or resell our content as your own.
• Scrape, crawl, or harvest the site outside normal search engine indexing.
• Attempt to gain unauthorised access to any account, server, or system connected to the site.
• Upload malware, run automated attacks, or interfere with the site's availability.
• Use our forms, chat, or phone lines to send spam, harassment, or unlawful material.
• Impersonate SV FINANCIAL CONSULTING CORPORATION or any of its people.
• Use the site or its content to train a commercial machine learning model without our written permission.

We may suspend or block access if we reasonably believe any of this is happening.

7. Intellectual property

The site's text, layout, graphics, logos, brand marks, downloadable documents, and code are owned by SV FINANCIAL CONSULTING CORPORATION or licensed to it, and are protected by Canadian and international copyright and trademark law.

The SV Financial name and logo may not be used without written permission. Third party names and marks that appear on the site belong to their owners and are used for identification only.

If you believe content on this site infringes your rights, email marketing@svfinancial.ca with details and we will investigate.

8. Anything you send us

If you send us feedback, suggestions, or ideas through the website, you give us permission to use them without obligation or payment to you. Do not send us anything you consider confidential through a public form or chat widget.

9. Links to other sites

We sometimes link to government sources, tools, and third party sites. We do not control them and we are not responsible for their content, accuracy, or privacy practices. A link is not an endorsement.

10. Availability

We work to keep the site available and current, but we do not promise uninterrupted access. Pages, tools, fees, and service descriptions can change without notice. Scheduled maintenance, outages, and third party failures happen.

11. Limitation of liability

The website and its content are provided on an as is and as available basis, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non infringement.

To the fullest extent permitted by law, SV FINANCIAL CONSULTING CORPORATION, its directors, officers, employees, and contractors are not liable for any indirect, incidental, special, consequential, or punitive loss, or for any lost profits, lost savings, lost data, tax penalty, interest charge, or business interruption arising out of your use of, or inability to use, this website or anything published on it.

Nothing in these terms limits liability that cannot be limited by law.

Liability arising from paid work is addressed in the signed engagement agreement for that work, not here.

12. Indemnity

You agree to indemnify SV FINANCIAL CONSULTING CORPORATION against claims, losses, and reasonable legal costs arising from your misuse of the site or your breach of these terms.

13. Privacy and cookies

Your use of the site is also covered by our Privacy Policy and Cookie Policy, which form part of these terms.

14. Governing law

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there. You agree to the exclusive jurisdiction of the courts of Ontario for any dispute arising from the website or these terms.

15. Changes to these terms

We may update these terms. The version date sits at the top of the page. Continuing to use the site after an update means you accept the revised terms.

16. Contact

Questions about these terms: marketing@svfinancial.ca

SV FINANCIAL CONSULTING CORPORATION, Mississauga, Ontario, Canada.