1. Acceptance of Terms

These Terms & Conditions ("Terms") govern your access to and use of the website located at lccpfinancialinc.com (the "Site"), operated by LCCP Financial Inc. ("LCCP Financial," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

2. About LCCP Financial

LCCP Financial Inc. is a financial services and education company serving professionals and business owners, newcomers to Canada, and growing families. Certain financial products and services may be offered through appropriately licensed or registered representatives and third-party financial institutions.

Nothing on this Site constitutes an offer to sell or a solicitation to buy any security, insurance product, or other financial product where such offer or solicitation would be unlawful.

3. No Financial, Legal, or Tax Advice

Content on this Site, including articles, calculators, checklists, guides, illustrations, and other materials, is provided for general educational and informational purposes only and does not constitute individualized financial, investment, insurance, legal, accounting, or tax advice.

4. Use of the Site

You agree to use the Site only for lawful purposes. You agree not to:

• Use the Site in any way that violates applicable federal, provincial, or local law or regulation
• Attempt to gain unauthorized access to any portion of the Site or its related systems
• Interfere with or disrupt the security or performance of the Site
• Reproduce, duplicate, copy, or resell any part of the Site without our express written permission
• Use automated means, including bots or scrapers, to access or collect data from the Site

5. Lead Magnets, Downloads & Communications

When you submit your information to receive a checklist, guide, newsletter, or other resource, you consent to receive related electronic communications from LCCP Financial in accordance with Canada's Anti-Spam Legislation (CASL) and applicable privacy law. You may withdraw consent and unsubscribe at any time using the link provided in any email, or by contacting us directly.

6. Intellectual Property

All content on the Site, including text, graphics, logos, checklists, and design elements, is the property of LCCP Financial Inc. or its licensors and is protected by Canadian and international copyright and trademark laws. No content may be reproduced, distributed, or used commercially without our prior written consent.

7. Third-Party Links

The Site may contain links to third-party websites or services that are not owned or controlled by LCCP Financial. We are not responsible for the content, privacy policies, or practices of any third-party sites. Accessing these links is at your own risk.

8. Disclaimer of Warranties

The Site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. LCCP Financial does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the fullest extent permitted by applicable law, LCCP Financial Inc. and its directors, officers, employees, representatives, and service providers will not be liable for any indirect, incidental, special, consequential, or similar damages arising from your use of, or reliance on, the Site or its content.

10. Privacy

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and safeguard your personal information in accordance with Alberta's Personal Information Protection Act (PIPA) and applicable federal privacy legislation.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict of law principles.

12. Changes to These Terms

We may update these Terms from time to time to reflect changes in our practices or applicable regulations. The "Last updated" date at the top of this page will reflect the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.