Terms of Service

Effective Date: April 2, 2025

1. Acceptance of Terms

By accessing or using the Twenty20 Financials website, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use this website.

2. Description of Services

Twenty20 Financials provides financial planning guidance, insurance strategy, and wealth-building consultation for individuals, families, and business owners. Our services are for informational and advisory purposes only.

3. Not a Registered Broker-Dealer

The information on this website does not constitute personalized financial, legal, or tax advice. We are not a registered broker-dealer or investment adviser unless explicitly stated. Always consult a licensed professional before making financial decisions.

4. User Responsibilities

You agree to provide accurate information, use the website lawfully, respect our intellectual property, and not attempt to disrupt or misuse our services.

5. Intellectual Property

All content on this website — including text, graphics, logos, and images — is owned by Twenty20 Financials and protected under applicable copyright law. You may not reproduce or distribute any content without express written permission.

6. Financial Disclaimers

Financial planning involves risk. Past performance does not guarantee future results. Market conditions affect all outcomes. Clients should carefully review all recommendations with a qualified advisor.

7. Limitation of Liability

Twenty20 Financials shall not be liable for any indirect, incidental, or consequential damages arising from your use of this website or reliance on any information provided herein, including investment losses or market fluctuations.

8. Confidentiality

We maintain strict confidentiality standards in accordance with industry best practices. Client information is protected and will not be disclosed without authorization except as required by law.

9. Governing Law

These Terms are governed by the laws of the Province of Ontario, Canada. Any disputes shall be resolved in the courts of Ontario.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of the website after changes constitutes acceptance of the revised Terms.

11. Contact

Twenty20 Financials — alain@thetwenty20financial.com