Terms of service.

These Terms of Service (“Terms”) govern your access to and use of the website located at https://beyondaccountingtax.com (the “Site”) and all related services provided by Shona Bell Financial Services (“Company,” “we,” “our,” or “us”).

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use our Site or Services.

1. Use of Our Services

You agree to use our Services only for lawful purposes and in accordance with these Terms. You must not:

  • Violate any applicable laws or regulations

  • Infringe on the rights of others

  • Attempt to gain unauthorized access to our systems

  • Use our Site to transmit harmful code or malicious software

We reserve the right to restrict or terminate your access at our sole discretion if you violate these Terms.

2. Eligibility

To use our Services, you must be at least 18 years old or the age of majority in your jurisdiction. By using the Site, you represent and warrant that you meet this eligibility requirement.

3. Financial Services Disclaimer

The information provided on this Site is for general informational purposes only and does not constitute professional financial, tax, or legal advice. You should consult a qualified advisor before making any financial decisions.

Shona Bell Financial Services makes no guarantees regarding financial outcomes based on our services, advice, or content.

4. Intellectual Property

All content, trademarks, logos, service marks, and other intellectual property displayed on the Site are owned by or licensed to Shona Bell Financial Services. You may not reproduce, distribute, modify, or create derivative works without our prior written permission.

5. User Submissions

If you voluntarily submit feedback, suggestions, or other communications (“Submissions”), you grant us a non-exclusive, royalty-free, perpetual, and irrevocable right to use, reproduce, modify, and distribute such content for any lawful purpose.

You are solely responsible for any content you provide and represent that your submissions do not violate any third-party rights.

6. Third-Party Links

Our Site may contain links to third-party websites or services that we do not own or control. We are not responsible for the content, privacy policies, or practices of any third-party sites and encourage you to read their terms before engaging with them.

7. Disclaimers and Limitation of Liability

No Warranties

Our Services are provided “as is” and “as available,” without warranties of any kind, express or implied. We do not guarantee the accuracy, completeness, or reliability of any content or service.

Limitation of Liability

To the maximum extent permitted by law, Shona Bell Financial Services will not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of the Site or Services.

8. Indemnification

You agree to defend, indemnify, and hold harmless Shona Bell Financial Services and its affiliates, employees, agents, and contractors from any claims, damages, liabilities, costs, or expenses arising from:

  • Your violation of these Terms

  • Your misuse of the Services

  • Your violation of any applicable law or third-party rights

9. Termination

We reserve the right to suspend or terminate your access to the Site or Services at any time, for any reason, without notice. You may also stop using our Services at any time.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, without regard to its conflict of law provisions.

Any disputes arising out of or in connection with these Terms shall be resolved in the provincial or federal courts located in Ontario.

11. Changes to These Terms

We may update these Terms at any time. When we do, we will revise the “Effective Date” at the top of the page. Material changes will be communicated via email or on our Site.

By continuing to use our Services after changes become effective, you agree to be bound by the revised Terms.

12. Contact Us

If you have any questions or concerns about these Terms, please contact us:

Shona Bell Financial Services
Email: info@beyondaccountingtax.com