Terms & Conditions
Last updated: January 2026
1. Acceptance of Terms
By accessing and using the hfksaf.com website and services provided by Hfksaf Financial Consulting Inc. (hereinafter "Hfksaf"), you agree to comply with these Terms and Conditions. If you do not agree with any of these terms, please do not use our website or services.
2. Description of Services
Hfksaf provides financial consulting services, investment education, and guidance on social support programs available in Canada. Our services include, but are not limited to: personalized advice on investment strategies, educational programs on financial management, guidance on government benefits and social programs, and personal financial situation analysis.
3. Informational Nature of Content
Content published on hfksaf.com is exclusively informational and educational in nature. It does not constitute personalized financial, tax, or legal advice. Investment decisions should be made after consulting with certified professionals who understand your particular situation. Past returns do not guarantee future results, and all investments carry inherent risks.
4. User Registration and Data
Some services may require you to provide personal information through contact forms. By submitting this information, you warrant that it is truthful, complete, and up to date. You are responsible for the accuracy of the data provided. We reserve the right to refuse or cancel services if we detect false or fraudulent information.
5. Intellectual Property
All website content, including texts, graphics, logos, images, data compilations, and software, is the property of Hfksaf Financial Consulting Inc. or its content providers and is protected by Canadian and international intellectual property laws. Reproduction, distribution, or modification of content without prior written authorization is prohibited.
6. Limitation of Liability
Hfksaf shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use our website or services. In no event shall our total liability exceed the amount paid by the user for services in the past twelve months. This limitation applies to the fullest extent permitted by Ontario law.
7. Third-Party Links
Our website may contain links to third-party websites that are not operated or controlled by Hfksaf. We are not responsible for the content, privacy policies, or practices of third-party websites. We recommend reviewing the terms and policies of any website you visit through links from our site.
8. Applicable Law and Jurisdiction
These Terms and Conditions are governed by the laws of the Province of Ontario and applicable federal laws of Canada. Any dispute related to these terms shall be subject to the exclusive jurisdiction of the courts of the City of Toronto, Ontario, Canada.
9. Modifications
We reserve the right to modify these Terms and Conditions at any time. Changes will take effect immediately upon publication on the website. Continued use of the site after publication of modifications will constitute your acceptance of the new terms.
10. Contact
For inquiries related to these Terms and Conditions, you may reach us at: Hfksaf Financial Consulting Inc., 150 King Street West, Suite 2400, Toronto, ON M5H 1J9, Canada. Email: info@hfksaf.com. Phone: +1 (416) 555-0147.