Terms of Use

1. Agreement to Terms

By accessing and using Onlinemaltrivo's financial services platform at onlinemaltrivo.com, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

These terms constitute a legally binding agreement between you and Onlinemaltrivo Financial Services, located at 8754 Boul Langelier, Saint-Léonard, QC H1P 3C6, Canada. Your continued use of our services indicates your acceptance of these terms and any modifications thereof.

2. Use License and Restrictions

Permission is granted to temporarily access and use Onlinemaltrivo's services for personal or business cost management purposes. This is the grant of a license, not a transfer of title, and under this license you may not:

• modify or copy the materials without express written consent
• use the materials for any commercial purpose outside of your authorized subscription
• attempt to reverse engineer any software contained on our platform
• remove any copyright or other proprietary notations from the materials
• transfer the materials to another person or "mirror" the materials on any other server
• use automated systems to extract data without authorization

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Onlinemaltrivo at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. User Account Responsibilities

When you create an account with Onlinemaltrivo, you must provide information that is accurate, complete, and current at all times. You are responsible for safeguarding the password and for all activities that occur under your account.

Account Security

You agree to immediately notify Onlinemaltrivo of any unauthorized use of your account or any other breach of security. Onlinemaltrivo cannot and will not be liable for any loss or damage arising from your failure to comply with this security obligation.

Prohibited Activities

• Sharing account credentials with unauthorized users
• Using the service to store or transmit malicious code
• Attempting to gain unauthorized access to other users' accounts
• Interfering with or disrupting the service or servers
• Using the service for any illegal or unauthorized purpose
• Impersonating another person or entity

We reserve the right to suspend or terminate accounts that engage in prohibited activities or violate these terms. Users are fully responsible for all content and activity associated with their accounts.

4. Privacy and Data Protection

Onlinemaltrivo is committed to protecting your privacy and personal information. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which forms an integral part of these Terms of Use.

Data Collection and Use

We collect information necessary to provide cost management services, including financial data, usage patterns, and account information. This information is used solely for service provision, account management, and improving our platform.

By using our services, you consent to the collection and use of your information in accordance with our Privacy Policy. We do not sell, trade, or otherwise transfer your personal information to outside parties without your consent, except as described in our Privacy Policy.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

5. Service Availability and Modifications

Onlinemaltrivo strives to maintain high service availability but cannot guarantee uninterrupted access. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time, with or without notice.

Maintenance and Updates

Periodic maintenance may require temporary service interruptions. We will make reasonable efforts to provide advance notice of scheduled maintenance whenever possible. Emergency maintenance may occur without prior notice to address security or technical issues.

Service updates and feature modifications are made at Onlinemaltrivo's discretion to improve functionality and user experience. Users will be notified of significant changes that materially affect service operation.

Third-Party Integrations

Our platform may integrate with third-party services to enhance functionality. Onlinemaltrivo is not responsible for the availability, accuracy, or reliability of third-party services. Users should review the terms and privacy policies of integrated services.

6. Financial Data and Accuracy

Onlinemaltrivo provides cost management tools and financial analysis features for informational purposes. While we strive for accuracy, we do not guarantee the completeness or accuracy of financial data, calculations, or reports generated by our platform.

User Responsibility

Users are responsible for verifying the accuracy of all financial information and calculations before making business decisions. Onlinemaltrivo recommends regular reconciliation of data with primary financial sources and consultation with qualified accountants or financial advisors.

Any financial decisions made based on information from our platform are solely the responsibility of the user. Onlinemaltrivo does not provide investment advice, tax advice, or other professional financial services.

7. Limitation of Liability

In no event shall Onlinemaltrivo or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use Onlinemaltrivo's services, even if Onlinemaltrivo or its authorized representative has been notified orally or in writing of the possibility of such damage.

Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you. Our total liability to you for all damages, losses, and causes of action shall not exceed the amount paid by you for the service.

Indemnification

You agree to indemnify and hold Onlinemaltrivo, its officers, directors, employees, and agents harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the service, your violation of these terms, or your violation of any rights of another.

8. Termination

Either party may terminate this agreement at any time. Onlinemaltrivo may terminate your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms of Use.

Upon termination, your right to use the service will cease immediately. If you wish to terminate your account, you may simply discontinue using the service or contact us at info@onlinemaltrivo.com.

Effect of Termination

Upon termination, all provisions of these Terms of Use which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

9. Governing Law and Disputes

These Terms of Use and any separate agreements whereby we provide you services shall be governed by and construed in accordance with the laws of the Province of Quebec, Canada.

Any disputes arising from these terms or your use of Onlinemaltrivo's services shall be resolved through the courts of Quebec, Canada. Both parties consent to the jurisdiction of such courts and waive any objections to venue.

Dispute Resolution

Before pursuing formal legal action, parties agree to attempt resolution through good faith negotiation. If negotiation fails, disputes may be resolved through binding arbitration in accordance with the rules of the Canadian Arbitration Association.

10. Changes to Terms

Onlinemaltrivo reserves the right to revise these Terms of Use at any time without notice. By using this service, you are agreeing to be bound by the then current version of these Terms of Use.

Material changes to these terms will be communicated to users through email notification or prominent notices on our platform. Continued use of the service after such modifications constitutes acceptance of the updated terms.

Users are encouraged to review these terms periodically to stay informed of any updates. The most current version will always be available on our website with the revision date clearly indicated.