Terms of Use

1. Introduction

Welcome to Finance JF. These terms of use (the “Terms”) govern your use of our website financejf.com, our client portals and all of the accounting services we provide.

By using our services, you accept these Terms in their entirety. If you do not agree with one or more of these provisions, we ask that you not use our services.

2. Definitions

• Finance JF / We / Our: refers to the business Finance JF.
• Client / You / Your: any natural or legal person who has subscribed to our services.
• Services: all accounting, tax and payroll services offered.
• Client portal: our secure online platform that allows clients to manage documents, communications and filings.
• Agreement: the contract entered into between you and Finance JF, including these Terms.

3. Description of services

Finance JF provides professional accounting services, exclusively online, primarily intended for clients residing in Quebec, but available to anyone in Canada upon request.

3.1 Services for individuals

• Preparation and filing of personal income tax returns
• Budget and financial coaching
• Financial education (RRSP, TFSA, investments, insurance)

3.2 Services for businesses

• Bookkeeping and general ledger
• Financial statements (balance sheet, income statement, cash flow)
• Payroll management (QPP, EI, QPIP, source deductions)
• T2, CO-17, GST and QST filings
• Accounts payable and receivable
• T4 and RL-1 filings

3.3 Limitations

Unless otherwise indicated in the specific service agreement, we do not provide:

• Audit, review or assurance services within the meaning of Canadian Standards
• Formal legal advice
• Representation before tax courts
• Regulated investment advice (services of a registered broker or financial planner)

4. Client commitments

By subscribing to our services, you agree to:

• Provide accurate, complete and up-to-date information
• Upload your documents in legible formats (PDF, JPG, PNG)
• Meet the agreed deadlines for providing your documents
• Use our portals in a compliant and legitimate manner
• Keep your access credentials confidential
• Promptly inform us of any change in your situation (move, marital status, birth, etc.)

Finance JF reserves the right to refuse or suspend the provision of services in the event of repeated breaches or fraudulent conduct.

5. Pricing

Our rates are published on our website and reflect standard services. The rates in effect at the time the service agreement is signed apply for the agreed term.

5.1 Individual packages

• Personal taxes: starting at CAD $25 per return (rate based on the complexity of the file)
• Financial coaching: CAD $100 per hour
• Financial education: CAD $100 per hour

5.2 Business packages

• Basic package: CAD $200 per month
• Premium package: CAD $400 per month
• Annual taxes (T2/CO-17): CAD $450 (one-time fee)

5.3 Additional services

Any service outside the scope of the subscribed package will be subject to an additional quote, accepted in writing by the client before it is carried out.

Rates are in Canadian dollars. Applicable taxes (GST 5%, QST 9.975%) are added to the prices indicated.

6. Payment terms

• Monthly packages: billing and withdrawal on the 1st of each month
• One-time services: payment upon delivery of the service
• Accepted methods: bank transfer, Interac, credit card (via secure payment link)
• Payment term: 15 days from the invoice date, unless otherwise agreed

In the event of a payment delay exceeding 30 days, interest at the legal rate (5% per year) may apply. Finance JF reserves the right to suspend services until the amounts due are settled.

7. Refund policy

7.1 Cases where a refund is possible

• Error on our part that caused direct harm to the client (after assessment)
• Service not rendered within the agreed deadlines, through our exclusive fault, and after formal notice
• Cancellation before the start of the service, within 7 days of signing the agreement, for one-time services only

7.2 Cases excluding a refund

• The client changing their mind after work has begun
• Refusal by the CRA or Revenu Québec to accept a validly filed return
• Misuse of the portals by the client
• Documents provided late, incomplete or inaccurate by the client

8. Cancellation

8.1 Monthly packages

You may cancel your monthly package at any time with 30 days' written notice. No refund is granted for the current month, but no further billing will be issued after the effective date of the cancellation.

8.2 One-time services

One-time services (e.g. annual taxes) cannot be cancelled after work has begun.

8.3 Cancellation by Finance JF

We reserve the right to terminate an agreement in the following cases:

• Repeated breach of these Terms
• Non-payment after formal notice
• Discovery of fraudulent information provided by the client
• Abusive behaviour towards our team

9. Limitation of liability

Finance JF undertakes to provide its services with diligence, professionalism and in accordance with applicable accounting standards.

9.1 Our liability

Our liability is limited to the amount of the fees received for the service concerned, except in cases of gross or intentional fault.

9.2 Exclusions

We are not liable for:

• The consequences of the client's use of incomplete or inaccurate information they provided to us
• Decisions of the tax authorities (CRA, RQ) based on factors beyond our control
• Indirect, economic or loss-of-opportunity losses
• Service interruptions due to force majeure events (see section 12)

10. Intellectual property

All website content (text, graphics, logo, code, design) as well as the portals (interfaces, tools, methods) are the exclusive property of Finance JF or its licensors.

You are granted a limited, non-exclusive and non-transferable right of use, strictly within the framework of the use of the services. Any reproduction, modification, distribution or commercial use is strictly prohibited without prior written consent.

Your personal documents (invoices, returns, etc.) remain your exclusive property.

11. Personal data and privacy

The processing of your personal information is governed by our Privacy Policy and our page dedicated to Quebec's Law 25.

We undertake to strictly respect the confidentiality of the financial and personal information you entrust to us, in accordance with applicable professional obligations.

12. Force majeure

Finance JF cannot be held liable for any failure to meet its obligations resulting from a force majeure event, including in particular: natural disaster, major technical failure not attributable to us, cyberattack, government order, pandemic, or any other event beyond our reasonable control.

13. Changes to the Terms

We may modify these Terms at any time. The version in effect is the one published on our website. In the event of a substantial change affecting your rights, we will inform you by email at least 30 days before the new terms take effect.

14. Governing law and jurisdiction

These Terms are governed by the laws of Quebec and the applicable federal laws of Canada. Any dispute will be subject to the exclusive jurisdiction of the competent courts of the judicial district of Montreal, Quebec.

Before any legal action, the parties undertake to attempt an amicable resolution through direct communication or mediation.

15. Contact us

By using our services, you acknowledge that you have read, understood and accepted these Terms of Use.