TERMS OF SERVICE
Business Legal Name: Harjas Mann Website: https://systems.harjasmann.com/widget/bookings/jas-mann
Services and Scope
Harjas Mann provides financial education and financial services through personalized consultations. Services include conducting Financial Needs Analyzes, educating on budgeting, debt, protection, and retirement strategies, and offering access to licensed financial products through approved providers under World Financial Group (WFG). Clients may also be offered opportunities to join the WFG business model as licensed agents.
By using our services, you agree to these Terms of Service. Services are available to adults (18+) residing in Canada.
Service Process and Delivery Initial Contact
Via website, phone, social media, or referrals.
Consultation: A free introductory call or meeting is scheduled.
FNA: Financial Needs Analysis is conducted.
Education & Strategy: Customized recommendations and financial education are provided.
Product Recommendation: Where applicable, licensed product options are discussed.
Application & Submission: Application support is offered and submitted securely.
Ongoing Support: Includes periodic reviews and education.
Payment Terms
No payment is collected directly via the website. If product applications are submitted, clients will engage directly with WFG and its licensed providers. No staged billing, refunds, or warranties apply via this website.
Client Obligations
Clients must: Provide truthful and accurate information, be responsible for their decisions and be 18 years of age or older.
No Unlawful or Prohibited Use
Clients may not use our website or services for any illegal activities, hate speech, fraudulent activity, harassment, or other prohibited conduct outlined in our community standards.
Intellectual Property
All educational content, materials, and methodologies provided are the intellectual property of Harjas Mann. Clients may use them only for personal, internal purposes. Reproduction or distribution without permission is prohibited.
Results Not Guaranteed
No outcome or result (financial, health, or otherwise) is guaranteed. Examples or testimonials are illustrative only.
Professional Disclaimer
Information shared through our services is for educational purposes only and does not constitute personalized legal, tax, or investment advice. All recommendations are made in compliance with licensing standards and with the client’s informed consent.
Limitation of Liability
Harjas Mann is not liable for any indirect or consequential damages resulting from the use of this website or services. Maximum liability is limited to any fees paid directly to Harjas Mann (if any) for services.
Warranty
Disclaimer Services are provided “as is” with no warranties or representations regarding performance or outcomes. We disclaim all implied warranties to the extent permitted by law.
Termination
We may terminate service access at our discretion, particularly for violations of these terms. Clients may cease use at any time. No refunds apply unless stated otherwise in a separate agreement.
Text Messaging Consent
By opting into SMS messaging (e.g., reminders or promotional messages), you agree to receive texts from us. Reply STOP to unsubscribe or HELP for more info. Message and data rates may apply.
Governing Law
These Terms are governed by the laws of British Columbia, Canada. All disputes will be subject to the courts of British Columbia.
Changes and Contact
These Terms may change from time to time. Any material changes will be posted on this page. Contact [email protected] with any questions.