Terms and Conditions of Use
These terms govern your use of the kirenthosal website and services. By accessing or using this website, you agree to comply with these terms and all applicable laws and regulations.
These terms were last updated November 11, 2025
Acceptance of Terms
Using this website constitutes acceptance of these terms and conditions in their entirety. If you disagree with any portion of these terms, you must discontinue website use immediately. Continued use after term modifications indicates acceptance of updated versions.
Key Definitions
Throughout these terms, specific words carry defined meanings to ensure clarity and consistency
Website refers to all kirenthosal pages, content, features, and functionality accessible through the kirenthosal.com kirenthosal and associated subdomains
Services include all information, content, tools, features, and functionality provided through the website to visitors and users
User, you, and your refer to individuals or entities accessing or using the website regardless of registration status or account creation
We, us, our, and kirenthosal refer to the website operator and content provider
Permitted Service Usage
The website provides financial literacy information, expert insights, and related content for personal, non-commercial use. You may access and view content, share links appropriately, and engage with features as intended by design and these terms.
User Eligibility
Website access requires meeting minimum age requirements under applicable law, typically eighteen years or age of majority in your jurisdiction. By using this website, you represent that you meet eligibility requirements and have authority to agree to these terms.
Guardians accept responsibility for minor children accessing website under supervision
User Responsibilities and Conduct
Using this website requires following responsible conduct standards and respecting rights of others and website integrity
Prohibited Activities
Certain activities are expressly prohibited when using this website to protect all users and website integrity
Intellectual Property Rights
All website content, including text, graphics, logos, images, and software, remains the property of kirenthosal or content licensors. These materials are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without explicit written permission.
User-Submitted Content
Content you submit through forms, comments, or other features remains your property. However, submission grants kirenthosal non-exclusive license to use, display, and distribute such content as necessary for website operation and service provision.
User Content Representations
By submitting content, you represent that you own or have necessary rights to the content, that submission does not violate third-party rights, and that content complies with these terms and applicable laws.
Privacy and Data Protection
Your privacy matters to us. Information collection, use, and protection practices are described in our Privacy Policy, which forms part of these terms by reference. Using this website constitutes acceptance of privacy practices described in that policy.
Review Privacy PolicyService Disclaimers and Limitations
Understanding website limitations helps set appropriate expectations about services provided and their intended uses
Informational Purpose Notice
Website content provides general information about financial literacy topics. It does not constitute professional advice, recommendations, or guidance for specific situations. Results may vary based on individual circumstances.
Limitation of Liability
To the maximum extent permitted by law, kirenthosal and its operators, contributors, and affiliates shall not be liable for indirect, incidental, consequential, or punitive damages arising from website use or inability to use services provided.
User Indemnification
You agree to indemnify and hold harmless kirenthosal from claims, damages, losses, and expenses, including legal fees, arising from your website use, term violations, or infringement of third-party rights through your actions.
Dispute Resolution Procedures
Disputes arising from these terms or website use will be addressed through structured resolution processes
Arbitration Agreement
Disputes not resolved through informal negotiation will be settled through binding arbitration under applicable Canadian arbitration rules. Arbitration occurs individually, not as class actions, and decisions prove final and binding on parties.
You waive rights to court trial and jury participation by agreeing to arbitration
Online Dispute Resolution
For eligible disputes, parties may utilize online dispute resolution platforms that facilitate resolution through digital communication channels, reducing time and expense compared to traditional processes.
Access ODR Platform InformationSeverability Provision
If any term provision proves invalid, illegal, or unenforceable, that provision will be modified minimally to make it valid and enforceable, or if that proves impossible, severed from these terms without affecting remaining provisions.
Complete Agreement Statement
These terms, together with the Privacy Policy and other referenced policies, constitute the entire agreement between you and kirenthosal regarding website use, superseding all prior agreements, communications, and understandings.
Governing Law and Jurisdiction
These terms are governed by laws of Canada and the province where kirenthosal operates, without regard to conflict of law provisions. Disputes fall under exclusive jurisdiction of courts in that location.
Account Termination
We reserve the right to suspend or terminate website access for users violating these terms, engaging in prohibited activities, or for any reason at our discretion. Termination does not affect provisions surviving by nature or explicit statement.
Term Modifications
kirenthosal may modify these terms at any time by posting updated versions on the website. Continued use after modifications constitutes acceptance of revised terms. Review terms periodically to stay informed about current conditions.
Terms Questions Contact
Questions about these terms or website use may be directed to kirenthosal through contact information
Email Address: content@kirenthosal.com
Phone Number: +1-824-997-0064
Mailing Address: 600 Bedford Highway, Halifax, NS B4A 1E8 Canada
Terms Effective Date: These terms became effective on November 11, 2025
Version Number: Version 1.0