These Terms of Use and End-User License Agreement (the “Terms”) govern your use of the website bayatfinancial.ca and of any online tools or services made available by Bayat Financial Services Inc. (“Bayat Financial”, “we”, “us”, “our”) through it (together, the “Services”). By accessing or using the Services, you agree to these Terms. If you do not agree, please do not use the Services.1. The ServicesThe Services provide information about our insurance, investment, and accounting & tax services and related online tools for our clients and prospective clients. Content on the Services is general information only. It is not insurance, investment, tax, or legal advice for your particular situation, and it does not create an advisor–client relationship. Advice and services are provided only under a separate engagement with Bayat Financial.2. LicenseSubject to these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Services for their intended purpose. This license does not transfer any ownership or intellectual-property rights to you.3. Acceptable useYou agree not to:use the Services for any unlawful purpose or in violation of any applicable law or regulation;attempt to gain unauthorized access to the Services, our systems, or any connected system;copy, scrape, reproduce, or redistribute the content of the Services except as permitted by law or with our prior written consent;upload or transmit anything harmful, misleading, or infringing through the Services.4. Intellectual propertyThe content, design, name, and logo of the Services are the property of Bayat Financial or its licensors and are protected by applicable intellectual-property laws. Except for the limited license in section 2, no rights are granted to you.5. Third-party servicesThe Services may connect with, or link to, third-party platforms (for example, accounting or insurance platforms). Your use of those platforms is governed by their own terms and privacy policies, and we are not responsible for them.6. No warrantiesThe Services are provided “as is” and “as available”. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, completeness, fitness for a particular purpose, and uninterrupted or error-free operation.7. Limitation of liabilityTo the maximum extent permitted by law, Bayat Financial will not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of the Services. Nothing in these Terms limits liability that cannot be limited under applicable law.8. PrivacyYour use of the Services is also governed by our Privacy Policy: https://bayatfinancial.ca/privacy-policy/9. Changes and terminationWe may update these Terms, or change, suspend, or discontinue any part of the Services, at any time. Updated Terms take effect when posted on this page. We may suspend or terminate your access if you breach these Terms.10. Governing lawThese Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario.11. ContactBayat Financial Services Inc., Unit 263, Suite 200, 30 Via Renzo Drive, Richmond Hill, ON L4S 0B8, CanadaEmail: Info@BayatFinancial.ca — Phone: +1 (416) 722-4522Last updated: October 26, 2026