Terms & Conditions

Please read these Terms and Conditions carefully before using nexaflow.live (the "Site"), operated by NexaFlow Learning Ltd ("NexaFlow", "Company", "we", "us", or "our"). By accessing or using our Site, you agree to be bound by these terms. If you do not agree, please discontinue use immediately.

1. Nature of the Service

NexaFlow is a financial education platform. We publish articles, guides, calculators, and informational tools intended to help individuals learn about personal finance concepts. We are not a financial institution, investment dealer, financial planner, tax advisor, insurance broker, or mortgage agent.

Nothing on this Site constitutes financial advice, investment recommendations, tax guidance, insurance advice, or legal counsel. All content is general and educational in nature and must not be treated as advice specific to your individual circumstances.

2. No Professional Relationship

Your use of this Site does not create any professional or advisory relationship between you and NexaFlow. The Company does not owe you a duty of care with respect to any financial decision you make after reading content on this Site. You are solely responsible for decisions you make regarding your finances, investments, and related matters.

3. Accuracy of Information

We make reasonable efforts to ensure the accuracy of information published on this Site. However, financial regulations, tax rules, and market conditions change frequently. We do not warrant that content is current, complete, or error-free. You should verify any information relevant to your situation with a qualified professional before acting on it.

4. Permitted Use

You may access and use this Site for personal, non-commercial educational purposes. You may not:

• Copy, reproduce, or republish content without prior written consent
• Use automated tools to scrape, index, or harvest content
• Attempt to interfere with or disrupt Site functionality or security
• Use the Site for any unlawful purpose
• Misrepresent content from this Site as professional financial advice

5. Intellectual Property

All content on this Site — including text, graphics, design, code, and educational tools — is the intellectual property of NexaFlow Learning Ltd or its content contributors, protected by Canadian copyright law and applicable international conventions. Unauthorized use or reproduction is prohibited.

6. Third-Party Links

Our Site may contain links to external websites for reference purposes. We do not endorse, control, or take responsibility for the content, privacy practices, or accuracy of information on linked sites. Accessing external sites is at your own risk.

7. Calculators and Interactive Tools

The calculators and interactive tools provided on this Site are for illustrative and educational purposes only. They use general assumptions that may not reflect your actual circumstances. Results produced by our tools are not projections, forecasts, or guarantees of future outcomes. Do not rely on calculator outputs for financial planning without consulting a qualified professional.

8. Limitation of Liability

To the maximum extent permitted by law, NexaFlow Learning Ltd, its directors, employees, and contractors shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or reliance on this Site or its content, including but not limited to financial losses, investment losses, or missed opportunities.

9. Indemnification

You agree to indemnify and hold harmless NexaFlow Learning Ltd and its representatives from any claims, damages, or expenses (including legal fees) arising from your violation of these Terms or your misuse of the Site.

10. Governing Law

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein. Any disputes shall be subject to the exclusive jurisdiction of the courts of British Columbia.

11. Modifications

NexaFlow reserves the right to modify these Terms at any time. Changes take effect upon posting to this page. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

12. Contact

For questions regarding these Terms, please contact:

• NexaFlow Learning Ltd
• 1090 W Georgia St, Suite 600, Vancouver, BC V6E 3V7, Canada
• Email: [email protected]
• Phone: +1 604 872 3150