Terms & Conditions
Last updated: January 15, 2026
These Terms and Conditions govern your use of the website hirauiotj.com and the services provided by Hirauiotj Inc. By accessing or using our website and services, you agree to be bound by these terms. If you do not agree, please discontinue use immediately.
1. Definitions
In these Terms: 'Company', 'we', 'us', or 'our' refers to Hirauiotj Inc., a corporation registered under the Canada Business Corporations Act with registration number ON-2019-7841256 and its principal office at 200 Bay Street, Suite 1100, Toronto, ON M5J 2J1, Canada. 'User', 'you', or 'your' refers to the individual accessing or using our website and services. 'Services' means the financial literacy consulting, investment guidance, and social support services offered through our website and in-person consultations. 'Website' refers to hirauiotj.com and all its subpages.
2. Eligibility
Our services are available to individuals who are at least 18 years of age and legal residents of Canada. By using our website, you represent and warrant that you meet these eligibility requirements. We reserve the right to verify your identity and residency status before providing certain services. Users accessing our website from jurisdictions outside Canada are responsible for compliance with their local laws.
3. Services and Disclaimer
The information provided on our website and through our consulting services is for general educational and informational purposes only. It does not constitute personalized financial advice, investment recommendations, or an offer to buy or sell any securities. While we strive to ensure the accuracy and timeliness of the content, we make no warranties or representations regarding its completeness or suitability for your specific financial situation. You should consult a qualified, licensed financial advisor before making any investment decisions.
4. User Responsibilities
You agree to use our website and services lawfully and in accordance with these Terms. You shall not: use the website for any unlawful purpose; attempt to gain unauthorized access to our systems or data; transmit malicious software or code; impersonate any person or entity; reproduce, distribute, or commercially exploit our content without written permission; or interfere with the proper functioning of the website. You are responsible for maintaining the confidentiality of any account credentials and for all activities under your account.
5. Intellectual Property
All content on this website, including text, graphics, logos, images, software, and the overall design and layout, is the property of Hirauiotj Inc. or its licensors and is protected by Canadian and international copyright, trademark, and intellectual property laws. You may view and print portions of the website for personal, non-commercial use only. Any other use, including reproduction, modification, distribution, or republication, requires our prior written consent.
6. Limitation of Liability
To the fullest extent permitted by applicable law, Hirauiotj Inc. and its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our website or services. This includes, without limitation, damages for loss of profits, data, goodwill, or other intangible losses. Our total aggregate liability for any claims arising under these Terms shall not exceed the amount paid by you to us in the twelve (12) months preceding the claim. Nothing in these Terms excludes or limits liability that cannot be lawfully excluded under Canadian law.
7. Indemnification
You agree to indemnify, defend, and hold harmless Hirauiotj Inc. and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from or related to your use of our website or services, your violation of these Terms, or your infringement of any third-party rights.
8. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising from these Terms or your use of our website shall be subject to the exclusive jurisdiction of the courts of the Province of Ontario, situated in Toronto. Before initiating formal legal proceedings, the parties agree to attempt to resolve disputes through good-faith negotiation for a period of not less than thirty (30) days.
9. Modifications
We reserve the right to amend these Terms at any time. Changes will be effective upon posting the updated Terms on our website with a new revision date. Your continued use of our website following any modifications constitutes your acceptance of the revised Terms. We recommend reviewing these Terms periodically. For significant changes, we will endeavour to provide advance notice through a prominent website notice or email notification.
10. Contact
For questions regarding these Terms and Conditions, please contact: Hirauiotj Inc., Legal Department, 200 Bay Street, Suite 1100, Toronto, ON M5J 2J1, Canada. Email: legal@hirauiotj.com. Phone: +1 (416) 555-0192. Business Number (BN): 789012345RC0001.