Terms and Conditions

Last Updated: June 23, 2025

1. Introduction

Welcome to Financial Audit Services. These Terms and Conditions govern your use of our website and services. By accessing our website or using our services, you agree to be bound by these Terms and Conditions in full.

If you do not agree with these Terms and Conditions, you must not use our website or services.

2. Definitions

In these Terms and Conditions:

  • "We", "us", "our" refers to Financial Audit Services.
  • "Website" refers to sapiovithera.com and all its subdomains.
  • "Services" refers to the financial audit services we provide.
  • "You", "your" refers to the user or viewer of our website or recipient of our services.

3. Use of Website

You may use our website for lawful purposes only. You must not use our website:

  • In any way that breaches any applicable local, national, or international law or regulation.
  • In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
  • To transmit, or procure the sending of, any unsolicited or unauthorized advertising or promotional material.
  • To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware, or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

4. Services

Our financial audit services are provided for informational and analytical purposes only. We aim to provide accurate and useful information, but we cannot guarantee that our services will meet your specific requirements.

We do not guarantee any specific outcomes or results from using our services. Financial decisions made based on our services are at your own risk and discretion.

5. No Financial Advice

The information provided through our services is not intended to be financial advice. It is provided for general information and educational purposes only.

We do not provide any warranty regarding the accuracy, completeness, reliability, or suitability of the information and services for any particular purpose.

You should consult with a qualified financial professional before making any financial decisions or taking any actions based on the information provided by our services.

6. Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is our property or the property of our content suppliers and is protected by Canadian and international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without our prior written consent.

7. Limitation of Liability

To the fullest extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and services.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • Use of, or inability to use, our website or services.
  • Use of or reliance on any content displayed on our website.
  • Any financial decisions made based on our services.

We will not be liable for any indirect or consequential loss or damage, loss of profit, loss of business, business interruption, or loss of business opportunity.

8. Indemnification

You agree to indemnify, defend, and hold us harmless from any claims, liabilities, damages, losses, and expenses, including without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of our website and services.

9. Changes to Terms and Conditions

We may revise these Terms and Conditions at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you.

10. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of Canada and the province of Ontario. Any disputes relating to these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.

11. Contact Us

If you have any questions about these Terms and Conditions, please contact us: