Legal Notice

Legal Notice and Disclaimer
Effective Date: June 5, 2025

Welcome to Blackspire Wealth. By accessing our website or using any service, material, or communication provided by our firm, you agree to the terms in this Legal Notice and Disclaimer. Please review this page carefully, as it explains the limits of our services and the responsibilities of all clients.

1. Nature of Services
Blackspire Wealth is a Small Business Financial Diagnostics Firm that supports small businesses through analysis, financial diagnostics, and operational planning. Our work includes general financial reviews, budgeting support, cash flow assessments, operational strategy, and structured recommendations.

We are not financial advisors. We do not provide regulated financial advice, investment recommendations, securities guidance, wealth planning, or any service that requires licensing under Canadian securities or financial planning regulations. All work performed is analytical and consultative.

2. Consultative Relationship
Using our services does not create a financial advisor relationship, a fiduciary relationship, or any form of regulated professional engagement. We do not act as financial advisors, investment advisors, or financial planners. All guidance is professional analysis intended to support business understanding and decision making.

3. Client Responsibility
Clients remain fully responsible for all financial and business decisions. Any recommendation, interpretation, or insight provided by Blackspire Wealth is intended to support decision making, not to replace independent judgment or licensed professional advice.

Clients are encouraged to speak with regulated financial advisors, lawyers, accountants, or tax professionals when making decisions that fall outside the scope of consulting services.

4. Limitations of Liability
Blackspire Wealth provides all information, reports, tools, and communications as is, without any guarantee of accuracy, completeness, or future results. As permitted by Canadian law, Blackspire Wealth is not liable for losses of any kind, including business losses, indirect or direct damages, lost profits, or outcomes related to decisions made by clients.

5. Privacy and Confidentiality
We handle client information with professionalism and care. Blackspire Wealth does not ask for sensitive identifiers such as Social Insurance Numbers or banking passwords. Any information provided to us is used only for consulting services. We do not sell or distribute client data except when legally required.

6. Intellectual Property
All reports, templates, tools, and written materials created by Blackspire Wealth remain the property of Blackspire Wealth. Clients may use these materials for internal business use only. Redistribution, reproduction, or commercial use of our materials requires written permission.

7. No Guarantees of Results
Business outcomes depend on many factors that are outside the control of Blackspire Wealth, including the client’s own decisions and external market conditions. For this reason, we do not guarantee specific improvements or results. Any examples or illustrations are for educational purposes only.

8. Jurisdiction
This Legal Notice is governed by the laws of Ontario and the applicable laws of Canada. Any legal matter involving Blackspire Wealth will fall under the exclusive jurisdiction of the courts of Ontario.

9. Contact Information
For questions or clarification regarding this Legal Notice or the scope of our services, you may contact us at
blackspirewealth@gmail.com