Last updated: March 22, 2026

1. Introduction

These Terms of Use govern access to and use of the website operated by Rui Alberto Maia, including all of its content, tools, forms, as well as the products and services that may be presented on it.

By browsing this site, using it, or communicating with us through it, you agree to be bound by these Terms of Use. If you do not accept these terms, please stop using this site.

Certain sections of the site, certain services, or certain offers may also be subject to additional terms. In the event of any inconsistency between those additional terms and these Terms of Use, the additional terms will prevail.

2. Acceptance of Terms

By accessing or using this website, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Use. If you do not agree with any of these terms, you must immediately stop using this website.

3. Electronic Communications

By using this site or communicating with us electronically, you agree that we may communicate with you by email or through the website.

You acknowledge that these electronic communications satisfy any legal requirement that a communication be made in writing, where permitted by law.

4. Intellectual Property

Unless otherwise indicated, all content on this site, including, without limitation, the texts, visuals, logos, graphic elements, documents, images, tools, downloads, and site structure, is the property of Rui Alberto Maia or is used under license.

This content is protected by applicable copyright, trademark, and intellectual property laws.

4.1 Reservation of Rights

No right or license of use is granted to you other than for personal, non-commercial use in compliance with these terms.

Without prior written authorization, it is prohibited to copy, reproduce, modify, republish, upload, post, transmit, distribute, sell, exploit, or use in any way the content of the site, except where permitted by law.

5. Newsletter

You may forward our newsletter to another person if you believe they may be interested in our services or in the content of the site.

However, the content of the newsletter remains protected by applicable intellectual property rights.

6. Links to Third-Party Sites

The site may contain links to websites, platforms, or services operated by third parties. These links are provided solely for convenience.

We exercise no control over these third-party sites and assume no responsibility for their content, availability, accuracy, privacy practices, or terms of use.

The use of any third-party site is at your own risk.

7. Permitted Use of the Site

You agree to use this site only for lawful purposes and in accordance with these Terms of Use.

In particular, you are prohibited from:

using the site in any way that could impair its operation, security, or accessibility;
introducing viruses, malware, or any other harmful code;
using the site’s content or data for unauthorized solicitation or direct marketing purposes;
carrying out any automated data collection, including, without limitation, extraction, harvesting, or scraping, without authorization;
attempting to gain unauthorized access to any part of the site, its servers, or related systems.

8. Submission of Content or Ideas

Unless there is a prior written agreement, please do not send us any idea, concept, invention, project, or confidential or protected content.

If you voluntarily send us content without a prior agreement, you grant us a non-exclusive, worldwide, royalty-free, irrevocable, and transferable license allowing us to use, reproduce, adapt, publish, translate, and distribute that content to the extent necessary for its processing or use.

9. Suspension or Interruption of Access

We reserve the right, at our sole discretion and without prior notice, to modify, suspend, limit, or discontinue, temporarily or permanently, all or any part of the site or its features.

We cannot be held liable for any loss, damage, or consequence resulting from such suspension, interruption, or modification.

10. Disclaimer of Warranties

The site and its content are provided “as is” and “as available,” to the fullest extent permitted by law.

Although we make every effort to keep the information up to date and accurate, we do not guarantee:

the accuracy, completeness, or relevance of the content;
the absence of errors, interruptions, or technical failures;
that the site will meet your specific needs;
that the site or its servers will be free of viruses or other harmful elements.

11. Limitation of Liability

To the fullest extent permitted by law, Rui Alberto Maia shall not be liable for any direct, indirect, incidental, consequential, or special damages resulting from access to the site, its use, the inability to use it, or reliance on its content.

This includes, without limitation, any loss of data, loss of revenue, loss of profits, business interruption, or damage to a device or system.

Where a monetary limitation of liability is permitted by law, Rui Alberto Maia’s total liability in connection with any claim related to the site shall be limited to CAD $1,000.

12. Accuracy of Information Provided

If you submit information through the site, including by means of a form, you agree to provide accurate, complete, and up-to-date information.

You remain responsible for any information submitted.

13. Privacy

Use of this site may involve the collection and processing of certain personal information.

To learn more about how your information is collected, used, protected, and retained, please consult our Privacy Policy as well as our Cookie Policy, where applicable.

14. Accessibility

We strive to make our site as accessible as possible.

If you experience difficulty accessing any part of the site due to a disability or functional limitation, please contact us and describe the issue encountered. We will make reasonable efforts to correct the situation as promptly as possible.

15. Legal Compliance

You may not use this site in any way that violates applicable laws and regulations, including, without limitation, laws relating to privacy protection, electronic commerce, and intellectual property.

16. Assignment

You may not assign, transfer, or subcontract your rights or obligations under these Terms of Use without our prior written consent.

We may assign or transfer our rights and obligations as part of a reorganization, merger, sale, or transfer of business activities.

17. Indemnification

You agree to defend, indemnify, and hold Rui Alberto Maia harmless from and against any claim, loss, liability, damage, cost, or expense arising from:

your use of the site;
your breach of these Terms of Use;
your violation of any applicable law or the rights of a third party.

18. Waiver

The failure to exercise a right or enforce a provision of these Terms of Use shall not constitute a waiver of that right or provision.

19. Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, that provision shall be enforced to the fullest extent permitted by law, and the remaining provisions shall remain in full force and effect.

20. Entire Agreement

These Terms of Use, together with our Privacy Policy and our Cookie Policy, if applicable, constitute the entire agreement between you and Rui Alberto Maia regarding the use of the site.

21. Changes

We reserve the right to modify these Terms of Use at any time.

The most recent version will always be posted on this page, along with the date of the update. By continuing to use the site after the publication of any changes, you accept the revised terms.

22. Governing Law and Jurisdiction

These Terms of Use are governed by the laws applicable in the province of Québec and the federal laws of Canada applicable therein.

Any dispute relating to the site or these Terms of Use shall be submitted to the jurisdiction of the competent judicial district in the province of Québec, unless otherwise required by mandatory law.

23. Contact Information

This website is operated by Rui Alberto Maia.

For any questions regarding these Terms of Use, you may contact us by email at: ruiamaia@servicesfinanciersmaia.com

24. Downloadable Version

A PDF version of these Terms of Use may be provided upon request or made available where applicable.