Terms and Conditions & Liability Waiver

Effective Date: 8/20/2025

1. Acceptance of Terms

By accessing or using the services provided by Garrett Horvath ("Service Provider," "we," "us," or "our"), you ("User," "you," or "your") agree to be bound by these Terms and Conditions and the Liability Waiver contained herein. If you do not agree to all terms, you must not use our services.

2. Description of Services

We provide a financial disclosure document collection platform that facilitates the gathering, organization, and submission of financial documentation for legal proceedings. Our services are provided on an "as is" and "as available" basis.

3. User Responsibilities

You acknowledge and agree that:

  • You are solely responsible for the accuracy, completeness, and legality of all information and documents you provide
  • You will use the services only for lawful purposes and in compliance with all applicable laws
  • You are responsible for maintaining the confidentiality of your account credentials
  • You will not use the services to transmit any unlawful, harmful, or offensive content
  • You understand that we are not providing legal advice or acting as your legal representative

4. COMPLETE LIABILITY WAIVER AND RELEASE

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU HEREBY:

  1. RELEASE AND FOREVER DISCHARGE Garrett Horvath, and all associates, agents, employees, officers, directors, representatives, affiliates, successors, and assigns (collectively, the "Released Parties") from ANY AND ALL LIABILITY, claims, demands, actions, causes of action, suits, damages, losses, costs, and expenses of any kind or nature whatsoever, whether known or unknown, suspected or unsuspected, arising out of or in any way connected with your use of our services;
  2. WAIVE ANY AND ALL CLAIMS against the Released Parties under any federal, provincial, territorial, or local statute, law, ordinance, regulation, or common law, including but not limited to claims under:
    • The Competition Act
    • The Consumer Protection Act
    • Any privacy legislation including PIPA and PIPEDA
    • Any contract law
    • Any tort law including negligence
    • Any other statutory or common law theory
  3. INDEMNIFY AND HOLD HARMLESS the Released Parties from any claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising from:
    • Your use or misuse of the services
    • Your violation of these Terms
    • Your violation of any rights of another party
    • Any inaccurate or incomplete information you provide
    • Any consequences of decisions made based on the services

5. DISCLAIMER OF WARRANTIES

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • WARRANTIES OF MERCHANTABILITY
  • FITNESS FOR A PARTICULAR PURPOSE
  • NON-INFRINGEMENT
  • ACCURACY, RELIABILITY, OR COMPLETENESS
  • SECURITY OR ERROR-FREE OPERATION
  • RESULTS OBTAINED FROM USE OF THE SERVICES

6. LIMITATION OF LIABILITY

IN NO EVENT SHALL GARRETT HORVATH OR ANY RELEASED PARTY BE LIABLE FOR:

  • ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES
  • LOSS OF PROFITS, REVENUE, DATA, OR USE
  • BUSINESS INTERRUPTION
  • COST OF SUBSTITUTE SERVICES
  • ANY DAMAGES EXCEEDING $100 CAD

This limitation applies regardless of the theory of liability, whether in contract, tort, negligence, strict liability, or otherwise, and even if advised of the possibility of such damages.

7. No Legal Advice

Our services are not a substitute for professional legal advice. We are not a law firm, do not provide legal services, and no attorney-client relationship is formed through use of our services. You should consult with qualified legal counsel for advice regarding your specific situation.

8. Intellectual Property

All content, features, and functionality of our services are owned by us and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

9. Termination

We reserve the right to terminate or suspend your access to our services at any time, without notice, for any reason, including violation of these Terms. Upon termination, all provisions that by their nature should survive shall continue in effect.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict of law principles. You irrevocably submit to the exclusive jurisdiction of the courts of Alberta.

11. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid provision that comes closest to the intent of the original.

12. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the use of our services and supersede all prior agreements and understandings.

13. Waiver

No waiver of any term or condition shall be deemed a further or continuing waiver of such term or any other term, and any failure to assert a right or provision shall not constitute a waiver of such right or provision.

14. Acknowledgment

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND THE LIABILITY WAIVER. YOU FURTHER ACKNOWLEDGE THAT YOU ARE WAIVING SUBSTANTIAL LEGAL RIGHTS AND THAT YOU DO SO FREELY AND VOLUNTARILY.

15. Contact Information

For questions about these Terms and Conditions, please contact:

Garrett Horvath

c/o Kahane Law Office

See contact information at Kahane Law website