Terms of Service

1. Introduction and Scope

Welcome to FinCore ("Company", "we", "our", "us"). These Terms of Service ("Terms", "Terms of Service") govern your use of our website, products, and services (collectively, "Services") operated by FinCore.

By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Services.

These Terms apply to all visitors, users, and others who access or use our Services, including clients who engage our bookkeeping and financial services.

2. Service Agreement Terms

Our Services include, but are not limited to, bookkeeping, payroll processing, accounts payable and receivable management, tax filing preparation, and other financial services as agreed upon in a separate Service Agreement.

Upon engagement of our Services, we will provide you with a detailed Service Agreement outlining the specific services to be performed, timelines, deliverables, and other relevant terms.

We reserve the right to refuse service to anyone for any reason at any time.

Any modifications to the scope of services must be agreed upon in writing by both parties.

3. User Responsibilities and Obligations

As a client of FinCore, you agree to:

• Provide accurate, complete, and timely information necessary for the performance of our Services.
• Review all reports, statements, and other deliverables provided by us within a reasonable time frame.
• Maintain the confidentiality of any login credentials provided for accessing our systems or platforms.
• Comply with all applicable laws and regulations related to your business operations.
• Notify us promptly of any errors, discrepancies, or concerns regarding our Services.
• Maintain appropriate backup copies of your financial records and data.

You acknowledge that the accuracy and completeness of our Services depend on the information you provide to us.

You are solely responsible for making all business and financial decisions for your business. Our Services are advisory in nature, and we do not make business decisions on your behalf.

4. Payment Terms and Conditions

Payment for our Services shall be made in accordance with the pricing plan selected and as detailed in your Service Agreement.

Our standard payment terms include:

• Monthly subscription fees are billed in advance on the first day of each month.
• One-time services are billed upon completion unless otherwise specified.
• Payment is due within 15 days of invoice date unless otherwise specified.
• Accepted payment methods include credit card, electronic funds transfer, and other methods as specified in your Service Agreement.
• Late payments may incur a late fee of 1.5% per month or the maximum rate permitted by law, whichever is less.

Non-payment may result in suspension or termination of Services. You will remain liable for all outstanding amounts due.

5. Liability Limitations

To the maximum extent permitted by applicable law, FinCore and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your use or inability to use our Services;
• Any unauthorized access to or use of our servers and/or any personal information stored therein;
• Any interruption or cessation of transmission to or from our Services;
• Any bugs, viruses, trojan horses, or the like that may be transmitted to or through our Services;
• Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through our Services.

In no event shall our total liability to you for all claims exceed the amount paid by you to us for the Services during the twelve (12) months preceding the event giving rise to the liability.

The limitations of liability set forth above are fundamental elements of the basis of the bargain between FinCore and you.

6. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of FinCore and its licensors. The Service is protected by copyright, trademark, and other laws of both Canada and foreign countries.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of FinCore.

You retain all rights to your data and information provided to us in connection with our Services. You grant us a limited license to use your data solely for the purpose of providing the Services to you.

Any templates, reports, or other materials created by us and provided to you as part of our Services remain our intellectual property, and you are granted a non-exclusive, non-transferable license to use such materials solely in connection with our Services.

7. Privacy Policy References

Your privacy is important to us. Our Privacy Policy, which is incorporated into these Terms by reference, explains how we collect, use, and disclose information about you.

By using our Services, you consent to our collection, use, and disclosure of information as described in our Privacy Policy.

Our Privacy Policy can be found at Privacy Policy.

8. Dispute Resolution Procedures

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof (collectively, "Disputes"), the parties shall first attempt to resolve the Dispute informally by negotiation.

If the Dispute cannot be resolved through informal negotiation, either party may initiate mediation by providing written notice to the other party. The mediation shall be conducted in Vancouver, British Columbia, Canada, unless otherwise agreed by the parties.

If the Dispute is not resolved through mediation, the parties agree to submit the Dispute to binding arbitration in accordance with the rules of the British Columbia International Commercial Arbitration Centre.

The arbitration shall be conducted by a single arbitrator selected by mutual agreement of the parties or, if the parties cannot agree, by the British Columbia International Commercial Arbitration Centre.

Any award rendered by the arbitrator shall be final and binding on the parties and may be entered as a judgment in any court of competent jurisdiction.

9. Termination Conditions

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

You may terminate your engagement with us by providing written notice in accordance with the terms of your Service Agreement, typically requiring 30 days' advance notice.

Upon termination:

• All rights and licenses granted to you under these Terms will immediately cease.
• You will remain liable for all amounts due up to and including the date of termination.
• We will provide you with a copy of your financial records and data in a standard format.
• We may retain copies of your data as required by law or in accordance with our data retention policies.

Provisions of these Terms that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

10. Amendments and Updates

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Services.

Contact Us

If you have any questions about these Terms of Service, please contact us:

• Email: legal@fincore.ca
• Phone: (604) 239-3350
• Address: 450 SW Marine Dr, Vancouver, BC, Canada