Terms of Service
Effective Date: 26 May 2025
Legal Business Name: MJ RIBEIRO CONSULTING CORP ("MJRibeiro," “we,” “us,” or “our")
Business Address: 403‑45761 Webb Avenue, Chilliwack, BC V2R 4E4, Canada
Privacy Officer & Primary Contact: Joao Izaltino de Freitas Ribeiro — financialsolutions@mjribeiro.com — (236) 862‑4235
Website: https://www.mjribeiro.com
Governing Law: Province of British Columbia, Canada
Professional Licence: Life‑Insurance Licence No. LIC‑2023‑0045718‑R01
Affiliation Notice: We act as independent contractors of World Financial Group Insurance Agency of Canada Inc. ("WFGIA"). All monetary transactions for insurance or investment products are processed exclusively through WFGIA or the issuing financial institution, not through this website.
1. Acceptance of Terms
By accessing our website or engaging our financial‑planning and consulting services (collectively, the "Services"), you confirm that you are at least 18 years of age and agree to be bound by these Terms of Service (the "Terms"). If you do not agree, do not use the Site or Services.
2. Services & Scope
MJRibeiro provides fee‑based financial needs analysis, insurance guidance, investment‑strategy education, debt‑ and tax‑efficiency consulting, estate‑planning suggestions, and ongoing financial coaching (collectively, "Financial Strategy Services"). We do not accept client funds or sell financial products directly through this Site; implementation is conducted via licensed carriers and WFGIA’s payment platforms. An engagement is formed when you (i) request a consultation and (ii) execute our written engagement or onboarding documents.
3. Engagement Process
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Consultation — Complimentary online or in‑person meeting to learn your goals and current finances.
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Needs Analysis — Collection and analysis of information you provide; creation of a personalized Financial Blueprint.
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Implementation — When you approve recommendations, we guide you through WFGIA’s secure onboarding and carrier applications.
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Ongoing Support — Periodic reviews, education, and strategic adjustments as your life evolves.
4. Client Obligations
You agree to:
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Provide timely, accurate, and complete information;
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Obtain any third‑party permissions required for us to review your financial data.
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Inform us promptly of material changes to your circumstances.
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Use deliverables only for your personal or internal business purposes.
5. Fees & Payment Terms
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Compensation Model — We are compensated by WFGIA and/or product carriers once your application is placed. We do not collect premiums, deposits, or fees directly from clients through this Site.
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No Direct Billing — Any advisory or session fees disclosed in our proposal are payable to WFGIA via its approved payment channels.
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No Refunds or Returns — All payments are governed by WFGIA’s policies and the terms of the issuing carrier. Questions about premium refunds or cooling‑off periods should be directed to WFG or the carrier.
6. Scheduling & Cancellations
Consultations are scheduled at mutually convenient times. Please provide at least 24 hours’ notice to reschedule. Missed or late‑cancelled appointments may limit future booking availability.
7. No Guarantee of Results & Financial Disclaimer
Financial markets and personal circumstances are uncertain. Past performance is not a guarantee of future results. We do not warrant any specific return, tax outcome, or earnings level. All financial decisions remain your responsibility.
8. Professional Advice Disclaimer
Information on this Site is for educational purposes and does not constitute personalized investment, legal, or tax advice. Always consult qualified professionals before acting. Our advisers operate under British Columbia insurance licence LIC‑2023‑0045718‑R01 and are covered by WFGIA’s professional Errors & Omissions (E&O) insurance.
9. Intellectual Property
All content, frameworks, and documents we create remain our intellectual property. Upon completion of Services, you receive a non‑exclusive, non‑transferable licence to use the deliverables for your own planning purposes.
10. Acceptable Use
You must not use the Site or Services for unlawful, harassing, defamatory, or infringing activities, nor introduce malicious code. We may terminate access for prohibited conduct.
11. SMS/Text Messaging & Electronic Communications
By ticking the appropriate consent boxes on our forms, you agree to receive:
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Service/Transactional texts (appointment reminders, document requests); and/or
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Marketing texts (educational events, offers).
Message frequency varies; reply STOP or OUT to opt out, HELP for help. Message & data rates may apply. We comply with CASL, TCPA, and A2P 10DLC requirements; opt‑in records are retained for audit.
12. Limitation of Liability
To the fullest extent permitted by law, our total liability for any claim arising from these Terms or the Services shall not exceed CAD $1,000 or the amount of commissions we earned from your transaction, whichever is less. We are not liable for indirect, consequential, or incidental damages, or for carrier/platform outages beyond our control.
13. Indemnification
You agree to indemnify and hold harmless MJRibeiro, its directors, advisers, and WFGIA affiliates against any third‑party claims arising from your breach of these Terms or misuse of the Services.
14. Termination
Either party may terminate an ongoing engagement upon written notice. Sections intended to survive (Intellectual Property, Disclaimers, Limitation of Liability, Governing Law) remain enforceable after termination.
15. Governing Law & Dispute Resolution
These Terms are governed by the laws of British Columbia and applicable federal laws of Canada. Any dispute shall be brought exclusively in the courts of the Province of British Columbia (Chilliwack Registry) unless the parties agree to binding arbitration.
16. Changes to Terms
We may modify these Terms at any time. The updated version will be posted with a new Effective Date. Continued use of the Site or Services signifies acceptance of the revised Terms.
17. Contact
For questions about these Terms, email financialsolutions@mjribeiro.com, call (236) 862‑4235, or write to us at the address above.