Terms of Service

By accessing the website Orvinzalo (hereinafter referred to as "the Site"), you agree to be bound by these Terms of Service, all applicable laws and regulations in the province of British Columbia and the federal laws of Canada. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

This agreement constitutes the entire and only agreement between Orvinzalo and you, and supersedes all prior or contemporaneous agreements, representations, warranties, and understandings with respect to the Site, the content, and the services provided by or through the Site.

Orvinzalo provides educational resources, step-by-step guides, and analytical tools focused on "How to start investing in Canada with small capital." Our content covers topics such as TFSA/RRSP structures, REITs, and micro-investment entry points.

We do not guarantee any specific financial outcome or profit. Users are encouraged to conduct their own due diligence and consult with a certified financial advisor before making any investment decisions.

When using Orvinzalo, you agree not to:

• Republish, sell, rent, or sub-license material from the Site without written consent.
• Use the Site in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the Site.
• Engage in any data mining, data harvesting, data extracting, or any other similar activity.
• Use the Site to transmit or send unsolicited commercial communications (spam).
• Attempt to bypass any measures we may use to prevent or restrict access to the Site.

Violation of these prohibitions may result in immediate termination of your access to our services and potential legal action under the Criminal Code of Canada and the Personal Information Protection and Electronic Documents Act (PIPEDA) where applicable.

Unless otherwise stated, Orvinzalo and/or its licensors own the intellectual property rights for all material on the Site. All intellectual property rights are reserved. You may access this from Orvinzalo for your own personal use subjected to restrictions set in these terms and conditions.

The trademarks, logos, and service marks displayed on the Site are the property of Orvinzalo. You are not permitted to use these Marks without the prior written consent of Orvinzalo or such third party which may own the Marks.

In no event shall Orvinzalo, nor any of its officers, directors, and employees, be held liable for anything arising out of or in any way connected with your use of this Site whether such liability is under contract. Orvinzalo, including its officers, directors, and employees shall not be held liable for any indirect, consequential, or special liability arising out of or in any way related to your use of this Site.

This limitation applies to, but is not limited to, loss of data, loss of profit, or business interruption arising out of the use or inability to use the materials on Orvinzalo's website, even if Orvinzalo or an authorized representative has been notified orally or in writing of the possibility of such damage.

These terms and conditions are governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein. You irrevocably submit to the exclusive jurisdiction of the courts in Vancouver, British Columbia for the resolution of any disputes.

We operate the Site from our offices in Vancouver. We make no representation that the materials on the Site are appropriate or available for use in other locations, and access to them from territories where their contents are illegal is prohibited.

Orvinzalo has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Orvinzalo. Use of any such linked website is at the user's own risk.

We recommend you review the privacy policies and terms of service of any third-party websites you visit through links on our Site, including:

• Vancouver Investment Directory
• TFSA and RRSP Integration
• Asset Allocation Guide
• Micro-Investment Entry