These Terms and Disclaimer (the "Terms") govern your use of this website. By accessing or using this website, you agree to these Terms. If you do not agree, please do not use this website.
1. General Information Only
The information provided on this website is for general educational and informational purposes only. It does not constitute personalized financial, investment, tax, accounting, or legal advice. Content should not be relied upon as a substitute for advice from qualified professionals familiar with your individual circumstances.
2. No Advisor-Client Relationship
Viewing this website or contacting Shea Sanche, CFP does not create an advisory, planning, or client relationship of any kind. A formal relationship is established only through a written agreement and completion of required regulatory documentation. No fiduciary, advisory, or other duty arises from your use of this website.
3. Investment Risk
All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results, and no financial planning approach, investment strategy, or product can guarantee outcomes. You are solely responsible for your financial decisions.
4. Forward-Looking Statements
This website may contain forward-looking statements, projections, or opinions about markets, planning approaches, or outcomes. Such statements are based on assumptions that may not prove accurate. Actual results may differ materially. Forward-looking statements should not be treated as guarantees of future performance.
5. Accuracy and Currency of Information
Information on this site may not reflect the most current legal, tax, regulatory, market, or product developments. While reasonable efforts are made to ensure accuracy, we make no representations or warranties, express or implied, regarding completeness, accuracy, timeliness, or reliability. You should verify all information with qualified professionals before acting on it.
6. Third-Party Links and Resources
This website may contain links to third-party websites and resources, including The Insight Playbook (insightplaybook.com) and YouTube. Linked third-party sites are not under our control and operate under their own terms and privacy policies. We do not endorse, monitor, or assume responsibility for their content, products, or practices.
7. Intellectual Property
All content, copy, photography, video, design, branding, frameworks, and other materials on this website are the intellectual property of Shea Sanche and Insight Planning. No part of this website may be reproduced, redistributed, republished, or used to create derivative works without prior written permission.
8. Acceptable Use
You agree not to use this website in any manner that is unlawful, harmful, defamatory, or that interferes with the website's operation or with other users' enjoyment of it. You agree not to attempt to gain unauthorized access to any portion of the website or any system or network connected to it.
9. Communications
Communications sent through scheduling links, contact forms, or email are not guaranteed to be secure or confidential. Do not send sensitive personal, financial, or account information through unsecured channels.
10. No Warranties
This website and its content are provided "as is" and "as available", without warranties of any kind, whether express, implied, statutory, or otherwise. To the maximum extent permitted by law, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, and uninterrupted availability.
11. Limitation of Liability
To the maximum extent permitted by law, Shea Sanche, Insight Planning, and their respective officers, employees, contractors, service providers, and agents shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to your use of, or inability to use, this website, even if advised of the possibility of such damages. This limitation applies to all claims, whether based in contract, tort, statute, or any other legal theory.
12. Indemnification
You agree to indemnify, defend, and hold harmless Shea Sanche, Insight Planning, and their officers, employees, contractors, service providers, and agents from any claims, losses, liabilities, damages, costs, or expenses (including reasonable legal fees) arising out of your use of this website, your violation of these Terms, or your violation of any applicable law or the rights of any third party.
13. Geographic Restrictions
This website is intended for residents of Canada where Shea Sanche, CFP is properly registered or permitted to provide services. Information on this site is not directed to, and may not be relied upon by, persons in any jurisdiction where such information would be contrary to applicable law.
14. Changes to These Terms
We may update these Terms from time to time. The "Effective date" above will indicate the most recent revision. Continued use of this website after changes are posted constitutes acceptance of the updated Terms.
15. Severability and Entire Agreement
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding your use of this website.
16. Governing Law and Jurisdiction
These Terms are governed by the laws of the Province of British Columbia, Canada, without regard to conflict of law principles. You agree that any dispute arising out of or relating to these Terms or this website shall be resolved exclusively in the courts of British Columbia, Canada.
17. Contact
Questions about these Terms can be directed to us through the booking link on this site.