Terms of Service

Last Updated: May 22, 2023

1. **Acceptance of Terms** By accessing and using the SZCGA.ca website ("Site"), you agree to abide by these Terms of Service ("Terms"). The Site is owned and operated by Stefka Zarahrieva Consulting Inc. ("SZCGA," "we," "us," or "our").

2. **Changes to Terms** SZCGA reserves the right to modify these Terms at any time. Your continued use of the Site after such changes constitutes your acceptance of the new Terms.

3. **Privacy Policy** Please review our Privacy Policy, which also governs your use of the Site, to understand our practices.

4. **Accessing the Site** We do not guarantee that our Site, or any content on it, will always be available or be uninterrupted. We may suspend, withdraw, discontinue, or change all or any part of our Site without notice. We will not be liable to you if for any reason our Site is unavailable at any time or for any period.

5. **Intellectual Property Rights** All intellectual property rights in the Site and in the material published on it are owned by, or licensed to, us. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

6. **Limitation of Liability** To the extent permitted by law, we exclude all conditions, warranties, representations, or other terms which may apply to our Site or any content on it, whether express or implied. We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with the use of, or inability to use, our Site; or use of or reliance on any content displayed on our Site.

7. **Governing Law** These Terms shall be governed by and construed in accordance with the laws of Canada, without regard to its conflict of law provisions.

8. **Contact Us** If you have any questions about these Terms, please contact us at legal@szcga.ca](mailto:legal@szcga.ca).