Terms of Service

FINMA Inc. Web Properties – finma.ca and affiliated sub-domains
Effective Date: 2 November 2025

1) Acceptance of the Terms

By accessing or using any page, tool, document, calculator, portal, virtual data room, or downloadable file on finma.ca or its sub-domains (the “Site”), you confirm that you have read, understood, and agree to be bound by these Terms of Service (“Terms”) and by our Privacy Policy and any other policies referenced on the Site. If you do not agree, discontinue use immediately.

2) Nature of Services; Non-Affiliation with Swiss “FINMA”

FINMA Inc. (“FINMA”, “we”, “us”, “our”) is a Canada-based boutique offering financial advisory & consulting (incl. corporate finance / M&A), managerial accounting, and property-management services to Canadian SMBs. Services are delivered from our Laval, Québec office and across Canada, as described on the Site. FINMA+2FINMA+2

Not the Swiss regulator. FINMA Inc. has no affiliation with the Swiss Financial Market Supervisory Authority (also commonly called “FINMA”). References to “FINMA” on this Site mean FINMA Inc., Canada. finma.ch

3) No Advice, Offer, or Solicitation

Site content is general and educational. It does not constitute personalized financial, legal, accounting, or tax advice, nor an offer to buy or sell securities or to enter any transaction. Any securities-related activity, if applicable, occurs only through duly registered firms/individuals under applicable laws and only with eligible clients, and would be governed by separate written agreements. You must obtain advice from qualified professionals who know your circumstances.

4) Eligibility & Permitted Use

The Site targets Canadian residents who have reached the age of majority and can form legally binding contracts. You will use the Site lawfully, provide accurate information when requested (e.g., onboarding or document submissions), and refrain from any automated, unauthorized, or malicious access.

5) Engagements; Third-Party Professionals

A client relationship arises only when we both sign an engagement/mandate letter defining scope, fees, responsibilities, and any confidentiality undertakings. Where required or efficient, we may coordinate with independent licensed professionals (e.g., legal counsel, CPA firms, registered dealers/EMDs). Availability varies by jurisdiction and is subject to regulatory requirements.

6) Tools, Portals, Data Rooms & Estimators

Projection tools (e.g., deal readiness checkers, IRR/valuation calculators) and any dashboards/portals are illustrative. Outputs depend on inputs/assumptions that may differ from actual conditions and should not be relied upon for decisions without professional advice. We may modify, suspend, or discontinue tools or portals without notice.

7) Privacy, Law 25, PIPEDA & Cookies

We collect, use, disclose, and retain personal information per Québec’s Law 25 and Canada’s PIPEDA, as described in our Privacy Policy. We use essential cookies for core functionality; non-essential cookies (e.g., analytics/marketing) are off by default and used only after your opt-in via the Cookie Settings panel. You may withdraw consent at any time; some features may be affected.

8) Security & Electronic Communications

We employ commercially reasonable administrative, technical, and physical safeguards (e.g., TLS in transit; access controls). The Internet is not fully secure; we cannot guarantee confidentiality of information sent by email or web forms. By using the Site, you consent to electronic communications and accept associated risks.

9) KYC, AML/ATF & Fraud Prevention

To comply with Canadian AML/ATF rules and prudent practices in corporate-finance engagements, we may request identity or corporate-beneficial-ownership information, conduct sanctions screening, and perform ongoing monitoring where pertinent. We may restrict or decline services to comply with law or risk policies. (We do not accept client deposits or hold client funds/securities.)

10) Third-Party Links & Content

Links to third-party websites, tools, data rooms, insurers, fund companies, or regulators are provided for convenience only. We do not control or endorse third-party content and are not responsible for its accuracy, security, or availability. Your use of third-party resources is at your own risk.

11) Intellectual Property

All Site content (text, graphics, trademarks, service marks, logos, software, and media) is owned by FINMA or its licensors. We grant you a limited, non-exclusive, non-transferable licence to display the content on your personal device for non-commercial viewing. Any reproduction, republication, or redistribution requires our prior written consent except as permitted by law.

12) Disclaimer of Warranties

The Site and all content/tools are provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, or uninterrupted availability. Where law does not allow exclusions, mandatory warranties apply only to the minimum extent required.

13) Limitation of Liability

To the fullest extent permitted by law, FINMA and its affiliates, officers, employees, agents, and licensors will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages (including lost profits, loss of data, or business interruption) arising from or in connection with the Site or its content—even if advised of the possibility. Where exclusions are not permitted, our aggregate liability is limited to CAD 100.

14) Indemnity

You agree to indemnify and hold harmless FINMA, its directors, officers, employees, and representatives from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of your breach of these Terms, misuse of the Site, or violation of any law or third-party right.

15) Modifications to the Terms & Site

We may update these Terms at any time. Material changes will be posted here with a revised Effective Date. Your continued use after changes constitutes acceptance. We may modify, suspend, or discontinue any portion of the Site without notice or liability.

16) Governing Law & Jurisdiction

These Terms are governed by the laws of the Province of Québec and the federal laws of Canada applicable therein, without regard to conflict-of-laws rules. Any dispute shall be submitted to the exclusive jurisdiction of the courts of Québec sitting in the Judicial District of Laval.

17) Language

If these Terms are available in English and French and any inconsistency arises, the version specified as prevailing in the header or the most recently updated version will govern.

18) Severability & Entire Agreement

If any provision is held invalid or unenforceable, the remaining provisions remain in full force. These Terms, together with policies/notices published on the Site, constitute the entire agreement between you and FINMA regarding Site use and supersede prior agreements regarding the Site.

19) Contact & Notices

FINMA Inc.
3030 Curé-Labelle, Suite 300
Laval, Québec H7P 0H9
Tel: +1.877.FINMA.CA ( +1-877-346-6222 ) • +1-438-228-1139
Email: info@finma.ca. FINMA+1

Tools & Estimators — Disclaimer (FINMA Inc.)

The calculators, models, deal-readiness checkers, and valuation/IRR estimators on this Site are for illustrative purposes only. Results are based on user inputs and assumptions that may not reflect market conditions, discount rates, or your specific facts. They do not constitute advice, an offer, or a recommendation, and do not guarantee outcomes. Do not rely on these tools to make decisions without consulting qualified professional advisors. FINMA assumes no liability for actions taken based on tool outputs.