Terms of Service

Last Updated: June 20, 2025

These Terms of Service ("Terms") govern your use of the Triun Nonas website and services. By accessing or using our website or services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our services.

1. About Triun Nonas

Triun Nonas is a Canadian pension advisory service provider specializing in retirement planning, Canada Pension Plan (CPP) optimization, Old Age Security (OAS) planning, and comprehensive retirement strategies. We are located at:

2. Services Provided

Our services include, but are not limited to:

• Pension planning and optimization consulting
• Canada Pension Plan (CPP) strategy development
• Old Age Security (OAS) and Guaranteed Income Supplement (GIS) planning
• RRSP and RRIF strategy consulting
• Employer pension plan analysis
• Retirement income planning
• Educational workshops and seminars
• Online resources and newsletter content

3. Professional Standards and Limitations

Not Financial or Legal Advice

While our team includes qualified pension specialists, the information provided on our website and in our consultations is for educational purposes and should not be considered:

• Legal advice
• Tax advice (consult a qualified tax professional)
• Investment advice (consult a licensed investment advisor)
• A guarantee of specific outcomes or results

Professional Consultation Recommended

We strongly recommend that you consult with appropriate professionals (lawyers, accountants, licensed financial advisors) before making significant financial decisions based on our recommendations.

4. Website Use

Permitted Use

You may use our website to:

• Access information about pension planning
• Request consultations and services
• Subscribe to our newsletter
• Download educational resources (where permitted)
• Contact us for legitimate business purposes

Prohibited Use

You may not:

• Use our website for any unlawful purposes
• Attempt to gain unauthorized access to our systems
• Transmit viruses, malware, or harmful code
• Harvest email addresses or personal information
• Reproduce, distribute, or commercially exploit our content without permission
• Impersonate Triun Nonas or our employees
• Use automated systems to access our website excessively

5. Intellectual Property

Our Content

All content on this website, including text, graphics, logos, images, and software, is the property of Triun Nonas or its licensors and is protected by Canadian and international copyright laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes, subject to these Terms.

User-Generated Content

By submitting content to our website (comments, reviews, feedback), you grant us a perpetual, non-exclusive, royalty-free license to use, modify, and display such content.

6. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

7. Service Agreements and Fees

Consultation Agreements

Specific services will be governed by separate service agreements that outline:

• Scope of services to be provided
• Fees and payment terms
• Timeline and deliverables
• Confidentiality obligations
• Termination conditions

Payment Terms

Unless otherwise specified in a service agreement:

• Consultation fees are due upon completion of services
• We accept payment by check, electronic transfer, or credit card
• Late payment may result in interest charges
• Disputed charges must be raised within 30 days

8. Disclaimers and Limitations of Liability

Website Availability

We strive to maintain website availability but do not guarantee uninterrupted access. We may suspend services for maintenance, updates, or technical issues.

Information Accuracy

While we make reasonable efforts to ensure information accuracy, pension rules and regulations change frequently. We do not guarantee that all information is current, complete, or error-free.

Limitation of Liability

To the maximum extent permitted by law, Triun Nonas shall not be liable for:

• Indirect, incidental, consequential, or punitive damages
• Loss of profits, revenue, or business opportunities
• Data loss or corruption
• Third-party actions or decisions based on our recommendations
• Technical issues, website downtime, or system failures

Maximum Liability

Our total liability for any claim shall not exceed the amount paid by you for the specific service that gave rise to the claim.

9. Third-Party Links and Services

Our website may contain links to third-party websites or references to third-party services. We do not endorse, control, or assume responsibility for:

• Third-party content, products, or services
• Third-party privacy practices or terms of service
• Any interactions you have with third-party providers

10. Confidentiality

We maintain strict confidentiality regarding client information and will not disclose your personal or financial information except:

• With your explicit consent
• As required by law or legal process
• To our service providers under confidentiality agreements
• To protect our rights or prevent fraud

11. Termination

Termination by You

You may terminate your use of our services at any time by:

• Discontinuing use of our website
• Unsubscribing from our newsletter
• Providing written notice for ongoing service agreements

Termination by Us

We may terminate or suspend your access to our services if you:

• Violate these Terms
• Engage in fraudulent or harmful activities
• Fail to pay fees when due
• Provide false or misleading information

12. Governing Law and Jurisdiction

These Terms are governed by the laws of British Columbia and Canada. Any disputes will be resolved in the courts of British Columbia, Canada.

13. Changes to Terms

We may update these Terms periodically. Changes will be effective when posted on our website with an updated "Last Updated" date. Continued use of our services after changes constitutes acceptance of the new Terms.

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

15. Force Majeure

We shall not be liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including natural disasters, government actions, labor disputes, or technical failures.

16. Contact Information

For questions about these Terms or our services, please contact us:

17. Entire Agreement

These Terms, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and Triun Nonas regarding your use of our services.