Olivier St-Hilaire's Terms of Use

Terms of Use

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By accessing or using this website and any related online services (collectively, the “Site”), you agree to be bound by these Terms of Use (“Terms”).

If you do not agree to these Terms, please discontinue use of the Site.

1. Scope of Services

These Terms govern your use of my website, educational content, resources, and any online tools provided through the Site.

Any financial services or professional advisory work I may provide offline is subject to separate agreements and regulatory requirements, and is not governed by these Terms.

2. Ownership & Intellectual Property

All text, videos, graphics, logos, and other materials displayed on this Site are the property of Olivier St-Hilaire or my content partners.

You may not copy, reproduce, modify, distribute, or publish any content from this Site without my prior written permission.

All trademarks and logos appearing on the Site belong to their respective owners.

3. Third-Party Tools & Links

The Site may contain links or integrations with third-party platforms such as Google, Meta (Facebook/Instagram), YouTube, or other service providers.

I am not responsible for the content, policies, security, or practices of these third parties.
You access third-party sites and tools at your own discretion and risk.

4. Acceptable Use

By using this Site, you agree not to:

  • use the Site for any unlawful, fraudulent, harmful, or abusive purpose

  • disrupt, interfere with, or attempt to compromise the functionality or security of the Site

  • upload, post, or transmit any unauthorized or harmful material, including malware, spam, or automated scripts

I reserve the right to restrict or terminate access to the Site if misuse is detected.

5. Privacy

Your use of the Site is also governed by my Privacy Policy, which explains how personal information is collected, used, and protected.

6. No Financial Advice

All content on the Site is for educational and informational purposes only.
Nothing on this Site constitutes financial, investment, tax, or legal advice.

While I am a financial professional, the Site does not provide advisory services.
Any decisions you make based on the Site’s content are made at your own risk.

The Site and all materials are provided “as is” and “as available.”
I make no representations or warranties regarding the accuracy, reliability, or completeness of any content.

7. Limitation of Liability

To the fullest extent permitted by law, I shall not be liable for any indirect, incidental, consequential, or special damages arising from:

  • your use or inability to use the Site

  • reliance on information provided on the Site

  • interactions with third-party tools or links

Your use of the Site is entirely at your own risk.

8. Indemnification

You agree to indemnify and hold harmless Olivier St-Hilaire from any claims, losses, liabilities, or damages arising from:

  • your misuse of the Site

  • your violation of these Terms

  • your breach of any applicable laws

9. Governing Law

These Terms are governed by the laws of the Province of Quebec and the laws of Canada applicable therein.
Any dispute will fall under the exclusive jurisdiction of the courts located in Montreal, Quebec.

10. Modifications to the Terms

I may update these Terms from time to time.
Updates will be posted on this page with an updated “Last Updated” date.

By continuing to use the Site after changes are posted, you accept and agree to the revised Terms.

11. Contact

For any questions or concerns regarding these Terms of Use:

Olivier St-Hilaire

1040, rue du Lux, Bureau 710
Brossard, QC, J4Y0E3

Copyrights 2025 | Olivier St-Hilaire