Terms and Conditions

1. Acceptance of Terms

By accessing and using the qarovinelustam Financial Services website and services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services.

2. Description of Services

qarovinelustam Financial Services provides professional financial audit, compliance review, and business consulting services to clients across Canada. Our services include but are not limited to:

• Financial statement auditing and review
• Regulatory compliance assessment
• Internal controls evaluation
• Business process consulting
• Risk assessment and management

3. Service Agreement

3.1 Engagement Process

All professional services begin with a formal engagement process including scope definition, timeline establishment, and fee agreement. Specific terms for each engagement will be outlined in a separate service agreement.

3.2 Client Responsibilities

Clients are responsible for:

• Providing accurate and complete information
• Timely delivery of requested documents
• Maintaining confidentiality of sensitive information
• Payment of fees according to agreed terms

4. Professional Standards

qarovinelustam Financial Services operates in accordance with:

• Canadian Generally Accepted Auditing Standards (GAAS)
• International Standards on Auditing (ISA)
• CPA Canada professional guidelines
• Applicable provincial and federal regulations

5. Fees and Payment

5.1 Service Fees

Service fees are established based on the scope of work, complexity, and timeline. All fees will be clearly communicated before engagement commencement.

5.2 Payment Terms

• Payment is typically required within 30 days of invoice date
• Late payment may result in service suspension
• Additional charges may apply for expedited services
• All fees are subject to applicable taxes

6. Confidentiality

We maintain strict confidentiality regarding all client information and business affairs. This confidentiality obligation extends to:

• Financial data and business records
• Strategic plans and proprietary information
• Internal processes and procedures
• Any information marked as confidential

7. Limitation of Liability

Our liability is limited to the extent permitted by law. In no event shall qarovinelustam Financial Services be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits or business opportunities
• Damages resulting from client decisions based on our recommendations
• Third-party claims or actions

Our total liability shall not exceed the total fees paid for the specific engagement giving rise to the claim.

8. Professional Independence

qarovinelustam Financial Services maintains professional independence in accordance with CPA Canada guidelines. We will disclose any potential conflicts of interest and take appropriate measures to ensure objectivity in our professional services.

9. Website Use

9.1 Permitted Use

This website is intended for informational purposes and legitimate business inquiries. You may not use this website for any unlawful purpose or in any way that could damage our reputation or services.

9.2 Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of qarovinelustam Financial Services and is protected by copyright and other intellectual property laws.

10. Disclaimers

Website information is provided "as is" without warranties of any kind. We do not guarantee:

• Accuracy or completeness of website content
• Uninterrupted website availability
• Freedom from viruses or other harmful components
• Suitability for any particular purpose

11. Termination

Either party may terminate a service engagement with appropriate notice as specified in the service agreement. Upon termination:

• All outstanding fees become immediately due
• Confidentiality obligations remain in effect
• Work product ownership follows agreement terms
• Client records will be returned as appropriate

12. Governing Law

These Terms and Conditions are governed by the laws of Ontario, Canada. Any disputes will be resolved through the courts of Ontario or through alternative dispute resolution as mutually agreed.

13. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be posted on this website with an updated revision date. Continued use of our services constitutes acceptance of any changes.

14. Contact Information

If you have questions about these Terms and Conditions, please contact us: