Terms & Conditions

Effective Date: September 23, 2026

Welcome to ConsultBM Advisory Inc. (“ConsultBM,” “we,” “our,” or “us”).

These Terms & Conditions (“Terms”) govern your access to and use of the ConsultBM website, including consultbmadvisory.ca, and your use of our services, resources, and educational content.

By accessing this website or engaging ConsultBM for services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the website or our services.

1. About ConsultBM

ConsultBM provides clear, practical financial guidance for individuals, families, and small businesses.

Our services may include:

• Bookkeeping
• Tax filing
• Financial advisory
• Financial consultations
• Financial education
• Related financial and business support services

Our services are provided based on the scope agreed with each client.

Tax filing services exclude Quebec.

2. Use of This Website

You may use this website for lawful purposes and in accordance with these Terms.

You agree not to:

• Use the website for unlawful, fraudulent, or unauthorized purposes
• Attempt to gain unauthorized access to the website, systems, or information
• Interfere with the security, operation, or availability of the website
• Copy, reproduce, distribute, or commercially exploit website content without permission
• Submit false, misleading, or fraudulent information
• Use automated methods to access or collect information from the website in a manner that could harm or interfere with its operation

ConsultBM reserves the right to restrict or terminate access to the website where we reasonably believe these Terms have been violated.

3. Information on This Website

The information provided on this website is intended to be useful, practical, and educational.

However, website content, articles, guides, examples, calculators, social media content, and other educational materials are provided for general informational and educational purposes only.

Information on this website may not reflect your individual financial, tax, legal, business, or personal circumstances.

You should not rely solely on website content when making financial, tax, investment, business, or other significant decisions.

Where your circumstances require individualized advice, you should obtain appropriate professional advice.

4. Financial Education and Money Talks

ConsultBM may provide free financial education and resources through our Money Talks platform, website content, social channels, guides, and other educational materials.

These resources are intended to improve financial understanding and awareness.

Unless expressly stated otherwise, financial education content:

• Is general in nature
• Is not individualized financial advice
• Does not create a client-advisor relationship
• Does not constitute a recommendation to buy, sell, hold, or invest in any particular financial product or security
• Should be considered alongside your individual circumstances and objectives

ConsultBM does not guarantee that educational information will produce any particular financial result.

5. Professional Services

When you engage ConsultBM for a professional service, the specific scope, deliverables, responsibilities, fees, timelines, and other applicable terms may be established through a separate proposal, engagement letter, service agreement, invoice, or other written communication.

Where a separate written agreement exists, its terms will govern the specific engagement to the extent of any inconsistency with these general Terms.

No professional engagement is created solely because you visit this website, read our content, follow our social media accounts, or submit a general enquiry.

6. Bookkeeping Services

Where ConsultBM provides bookkeeping services, the client is responsible for providing accurate, complete, and timely financial information and supporting documentation.

ConsultBM relies on information provided by the client and cannot be responsible for errors, omissions, delays, or consequences resulting from inaccurate, incomplete, misleading, or late information supplied by the client or third parties.

The specific responsibilities of ConsultBM and the client may be defined in the applicable engagement agreement.

7. Tax Filing Services

ConsultBM may provide personal and/or corporate tax filing services within the scope agreed with the client.

Clients are responsible for providing complete, accurate, and timely information and documentation required for the preparation or filing of their tax returns.

ConsultBM does not guarantee a particular tax refund, tax outcome, assessment, reassessment, or decision by a tax authority.

Tax authorities retain the authority to review, assess, reassess, accept, reject, or otherwise determine tax matters.

Tax filing services offered by ConsultBM exclude Quebec.

Where a tax matter falls outside the agreed scope of service or requires specialized legal, tax, accounting, or other professional advice, ConsultBM may recommend that the client seek additional professional assistance.

8. Financial Advisory Services

Financial advisory services are provided based on the information, objectives, circumstances, and scope discussed with the client.

Clients are responsible for providing information that is accurate and complete.

Financial circumstances can change, and information or recommendations that may be appropriate at one point in time may not remain appropriate later.

Unless expressly agreed otherwise, ConsultBM does not guarantee investment performance, financial returns, business results, tax outcomes, or any other particular financial result.

Nothing on this website should be interpreted as a promise or guarantee of financial success.

9. Consultations and Enquiries

Submitting a contact form, consultation request, quote request, or other enquiry does not automatically create a client relationship.

ConsultBM may review an enquiry before agreeing to provide services.

A consultation or initial conversation may be used to understand your needs, discuss potential services, and determine whether ConsultBM is able to assist.

Any ongoing professional relationship will be subject to the applicable engagement terms.

10. Client Responsibilities

Clients are expected to:

• Provide accurate and complete information
• Provide requested documents within agreed timelines
• Notify ConsultBM of relevant changes in their circumstances
• Review documents and information provided to them
• Ask questions where information is unclear
• Meet agreed payment obligations
• Cooperate reasonably with requests necessary to provide the agreed services

ConsultBM may be unable to complete or properly provide a service where required information or documentation is not supplied.

11. Fees and Payments

Fees for professional services will be communicated to the client before or during the engagement, as applicable.

Depending on the service, fees may be provided through a quotation, proposal, engagement agreement, invoice, or other written communication.

Unless otherwise agreed, clients are responsible for paying fees by the applicable due date.

Additional work outside the agreed scope may result in additional fees, subject to communication with the client.

Specific payment, cancellation, refund, or deposit terms may be set out in the applicable engagement agreement or invoice.

12. Cancellations and Changes to Services

Where applicable, ConsultBM may establish cancellation, rescheduling, refund, or service-change terms for a particular engagement.

Clients should provide reasonable notice when cancelling or rescheduling a consultation or service.

ConsultBM reserves the right to discontinue or decline a service where:

• Required information is not provided
• The requested work falls outside our scope
• Continuing the engagement would create a legal, ethical, professional, or operational concern
• The client provides materially inaccurate or misleading information
• The client fails to meet agreed payment or other material obligations

Any outstanding amounts for services already provided may remain payable.

13. No Guarantee of Results

ConsultBM provides professional guidance and services based on the information available and the scope agreed with the client.

We do not guarantee:

• A specific financial outcome
• A particular tax refund or tax assessment
• Investment returns
• Business growth
• Increased revenue
• Approval by a government agency, lender, financial institution, or other third party
• Any other specific result

Outcomes may depend on factors outside ConsultBM’s control, including client decisions, market conditions, government policies, tax rules, economic conditions, and actions of third parties.

14. Third-Party Services and Information

ConsultBM may reference or link to third-party websites, tools, financial institutions, government resources, software, social media platforms, or other services.

Their own terms and privacy policies govern third-party services.

ConsultBM does not control and is not responsible for the availability, accuracy, security, content, policies, or practices of third-party services.

A link or reference does not necessarily constitute an endorsement, recommendation, or guarantee by ConsultBM.

15. Intellectual Property

Unless otherwise stated, the content and materials on this website are owned by or licensed to ConsultBM Advisory Inc.

This may include:

• Website text
• Branding
• Logos
• Graphics
• Design elements
• Educational materials
• Articles
• Guides
• Videos
• Downloadable resources
• Other original content

You may view and use website content for your personal or internal business purposes.

You may not reproduce, republish, modify, distribute, sell, or commercially exploit ConsultBM content without prior written permission, except where permitted by applicable law.

16. User-Submitted Information

Where you voluntarily submit information, comments, questions, documents, or other material through our website or services, you represent that you have the right to provide that information.

You remain responsible for the accuracy and legality of information you submit.

Personal information submitted to ConsultBM is handled in accordance with our Privacy Policy.

17. Privacy

Your use of the website and provision of personal information is also governed by our Privacy Policy.

Our Privacy Policy explains how we collect, use, disclose, retain, and protect personal information.

You can review it here:

Privacy Policy: https://consultbmadvisory.ca/privacy-policy

18. Website Availability and Security

We aim to keep the website available, secure, and functioning properly.

However, we do not guarantee that the website will:

• Always be available
• Be uninterrupted
• Be error-free
• Be free from viruses or other harmful components
• Always contain current or complete information

Website availability may be affected by maintenance, technical problems, hosting issues, network failures, security incidents, or circumstances outside our control.

19. Limitation of Liability

To the extent permitted by applicable law, ConsultBM Advisory Inc. and its directors, officers, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, or similar losses arising from your use of the website or reliance on general website content.

Nothing in these Terms is intended to exclude or limit liability where doing so would be prohibited by applicable law.

Where you engage ConsultBM for professional services, any additional limitations or responsibilities may be set out in the applicable engagement agreement.

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20. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless ConsultBM Advisory Inc., its directors, officers, employees, contractors, and representatives from claims, losses, liabilities, costs, or expenses arising from:

• Your unlawful use of the website
• Your violation of these Terms
• Information you knowingly provide that is false or misleading
• Your infringement of another person’s rights
• Your misuse of ConsultBM’s content or services

This provision does not apply to the extent that the relevant loss results from ConsultBM’s own unlawful conduct or liability that cannot legally be excluded.

21. Governing Law

These Terms are governed by the laws applicable to ConsultBM Advisory Inc. and its operations in Canada, together with applicable federal Canadian law.

Any dispute arising from these Terms or your use of the website will be subject to the jurisdiction permitted by applicable law.

Where a specific professional engagement agreement contains a governing-law or dispute-resolution provision, that provision may apply to that engagement.

22. Changes to These Terms

ConsultBM may update these Terms from time to time to reflect changes to our services, website, business practices, or legal requirements.

Updated Terms will be posted on this page with a revised effective date.

Your continued use of the website after updated Terms are posted constitutes acceptance of the revised Terms, to the extent permitted by applicable law.

23. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be limited or removed to the extent necessary, and the remaining provisions will continue to apply.

24. Entire Agreement

These Terms, together with our Privacy Policy and any applicable engagement agreement, proposal, invoice, or other written agreement between you and ConsultBM, form the applicable agreement governing your use of our website and services.

If a conflict exists between these general Terms and a specific written engagement agreement, the terms of the specific engagement agreement will generally govern the applicable professional service.

25. Contact Us

If you have questions about these Terms & Conditions or our services, please get in touch with us:

ConsultBM Advisory Inc.
Canada-wide virtual services
Phone: +1 (437) 366-4624
Email: info@consultbmadvisory.ca

Tax filing services exclude Quebec.

Last Updated: September 23, 2026