Terms of Service

Before using the PRAC Financial Services website, we request you to carefully read the Terms of Service mentioned below. By accessing or using this website and our services, you agree to comply with and be legally bound by these terms. By engaging PRAC Financial Services, you confirm that you have read, understood, and accepted these Terms of Service.

PRAC Financial Services reserves the right to modify or update these terms at any time without prior notice. Any changes shall be effective immediately upon being published on the website. Users are encouraged to review these terms periodically. If you do not agree with these terms, you must not use the website or services.

Nature of Services

PRAC Financial Services provides professional bookkeeping, accounting, tax, insurance, investment, and business advisory services. All services are provided based on the information supplied by clients. PRAC Financial Services does not guarantee specific financial, tax, or investment outcomes.

Nothing on this website constitutes legal, tax, or financial advice unless expressly agreed upon in writing through a formal engagement.

General Terms

The content on this website is provided for general information purposes only and is subject to change without notice. While we strive to ensure accuracy, PRAC Financial Services makes no representations or warranties regarding the completeness, accuracy, or reliability of website content.

Disclaimer and Warranties

PRAC Financial Services and its affiliates make no warranties or guarantees, express or implied, regarding the accuracy, timeliness, performance, or suitability of information provided on this website or through our services.

To the fullest extent permitted by law, PRAC Financial Services disclaims all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the maximum extent permitted by law, PRAC Financial Services shall not be liable for any direct, indirect, incidental, consequential, or special damages, including but not limited to loss of profits, data, business opportunities, or financial losses, arising from the use of or inability to use the website or services.

Clients are solely responsible for decisions made based on information or advice provided.

Client Responsibilities

Clients agree to provide accurate, complete, and timely information required for service delivery. PRAC Financial Services is not responsible for errors, penalties, or losses arising from inaccurate, incomplete, or delayed information provided by clients.

Intellectual Property

All content, materials, logos, and trademarks displayed on this website are the intellectual property of PRAC Financial Services and may not be copied, reproduced, distributed, or used without prior written consent.

No Resale or Unauthorized Use

Users agree not to resell, distribute, or commercially exploit any part of the services or website content without prior written authorization from PRAC Financial Services.

Third-Party Links

This website may contain links to third-party websites. PRAC Financial Services is not responsible for the content, accuracy, or privacy practices of such external websites.

Termination

PRAC Financial Services reserves the right to suspend or terminate access to services or the website, without notice, if a user:

Violates these Terms of Service
Provides false or misleading information
Engages in unlawful or unethical activities

Termination does not relieve clients of payment obligations for services already rendered.

Payment, Cancellation, and Refunds

Fees for services are communicated in advance. Payments made for services are non-refundable unless otherwise agreed in writing. Refunds, if applicable, are issued at the sole discretion of PRAC Financial Services.

Privacy

Use of this website and services is also governed by our Privacy Policy, which forms an integral part of these Terms of Service.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Canada, without regard to conflict of law principles.

Grievance & Contact Information

For any questions or concerns regarding these Terms of Service, please contact:

PRAC Financial Services
Email: info@pracfinancialservices.com