What services does North Harbor Financial provide through its consulting work?

North Harbor Financial typically offers financial consulting that helps clients assess their current situation, organize priorities, and plan next steps with more clarity. The work can include reviewing cash flow, budgeting, debt strategy, savings goals, and broader financial planning so the recommendations fit the client’s needs in Canada.

What is usually included in a financial consulting engagement?

An engagement usually starts with a review of the information the client shares, followed by a conversation about goals, concerns, and the scope of support needed. From there, North Harbor Financial may provide a practical action plan, written recommendations, and follow-up guidance so the client knows what to do next and what falls outside the agreed scope.

How does North Harbor Financial determine pricing for consulting work?

Pricing is usually based on the scope of the engagement, the complexity of the financial questions involved, and the amount of analysis or preparation required. If the work calls for specialized review, multiple meetings, or coordination with other professionals, that can affect the final quote.

What fees or costs should I expect when requesting a quote?

We typically outline fees in a clear proposal before any work begins, so you can see what is included and what may be billed separately. Costs can change depending on the size of the project, the speed of delivery, and whether the consulting request is one-time or ongoing.

How can I contact North Harbor Financial to get started?

You can reach out by phone, email, or the contact form on our website to share a few details about what you need. A member of the consulting team will usually reply with the next steps and let you know what information to have ready for an initial conversation.

Terms of Service for North Harbor Financial Consulting

Effective Date: July 31, 2026

1. Introduction and Acceptance of Terms

These Terms of Service (the “Terms”) govern your access to and use of the financial consulting services, website, communications, materials, and related offerings provided by North Harbor Financial Consulting (“North Harbor Financial Consulting,” “we,” “us,” or “our”).

By accessing our website, engaging our services, booking a consultation, submitting information to us, or otherwise indicating your acceptance, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use our services.

Our services are provided from Vancouver, British Columbia, Canada and are intended for use in Canada unless otherwise expressly agreed in writing.

These Terms should be read together with any engagement letter, proposal, retainer, statement of work, or other agreement we provide to you. If there is a conflict between these Terms and a signed written agreement, the signed written agreement will prevail to the extent of the conflict.

2. Scope of Services

North Harbor Financial Consulting provides financial consulting and advisory services, which may include, without limitation:

Personal financial planning;
Retirement planning;
Investment account setup support;
Small business cash flow advisory;
Tax-efficient savings strategies;
Insurance needs review; and
Corporate financial consulting.

The specific scope, deliverables, timelines, assumptions, and fees applicable to any engagement will be set out in the applicable proposal, engagement letter, or written agreement. We may rely on information provided by you and are not responsible for the accuracy or completeness of information you provide.

Unless expressly agreed in writing, our services do not include legal, accounting, tax filing, audit, actuarial, or brokerage services. Any information we provide is for informational and advisory purposes only and should not be construed as legal, tax, or investment advice requiring registration unless expressly stated otherwise.

You remain responsible for making your own financial, legal, tax, insurance, and investment decisions, and for consulting qualified professionals where necessary.

3. User Obligations and Responsibilities

By using our services, you agree to:

Provide accurate, current, and complete information at all times;
Promptly update us if any information becomes inaccurate or incomplete;
Cooperate in good faith and respond to reasonable requests for documents or clarification;
Use our services only for lawful purposes and in compliance with all applicable laws and regulations;
Review all recommendations, reports, drafts, and materials carefully before acting on them;
Seek independent legal, tax, accounting, or other professional advice where appropriate;
Maintain the confidentiality of any login credentials, account details, or secure access information provided to you; and
Refrain from using our services in a way that could damage, disable, overburden, or impair our systems or reputation.

You acknowledge that any financial strategy may involve risk and that past performance is not indicative of future results. We do not guarantee any specific outcome, return, tax result, insurance approval, financing approval, or business performance.

4. Payment Terms and Conditions

Fees for our services will be disclosed in advance in a proposal, fee schedule, invoice, retainer agreement, or other written communication. Unless otherwise stated, all fees are quoted in Canadian dollars (CAD).

Fees may be billed on an hourly, fixed-fee, retainer, milestone, or subscription basis, depending on the engagement;
Invoices are due upon receipt unless a different payment term is stated in writing;
Late payments may result in suspension of services until all outstanding amounts are paid in full;
You are responsible for all applicable taxes, including GST/HST/PST where applicable, unless expressly included in the quoted fee;
Any third-party costs, filing fees, platform fees, transaction charges, or disbursements incurred on your behalf may be billed to you;
We may require an advance deposit or retainer before commencing work;
Returned payments, chargebacks, or failed transfers may be subject to administrative fees and recovery costs to the extent permitted by law.

Unless otherwise agreed in writing, all fees are non-cash and payable by approved electronic transfer, credit card, direct debit, or other authorized payment method. We may change our rates prospectively upon notice as set out in these Terms or any applicable agreement.

5. Cancellation and Refund Policy

You may cancel an engagement by providing written notice to North Harbor Financial Consulting. Cancellation will be effective upon our receipt of the notice, subject to any obligations already incurred and any minimum term or notice period stated in your engagement letter.

Unless otherwise required by applicable law or expressly agreed in writing:

Fees for services already performed are non-refundable;
Retainers may be applied to work performed and expenses incurred before any remaining balance is returned;
Refunds, if any, will be calculated at our reasonable discretion based on the work completed and costs incurred;
Any third-party charges already incurred are non-refundable;
If you terminate after work has begun, you remain responsible for payment of all completed work and authorized expenses.

We may suspend or terminate services immediately if you fail to pay fees when due, provide materially inaccurate information, breach these Terms, request unlawful conduct, or engage in conduct that could materially harm us, our personnel, or other clients.

If any consumer protection legislation applicable in Canada provides you with mandatory cancellation or refund rights, those rights will apply in addition to the rights set out in these Terms.

6. Liability Limitations

To the maximum extent permitted by applicable law, North Harbor Financial Consulting, its directors, officers, employees, contractors, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenue, loss of opportunity, business interruption, or loss of data, arising from or related to your use of our services or reliance on our materials.

To the maximum extent permitted by law, our total aggregate liability for any claim arising out of or relating to the services, these Terms, or any engagement shall not exceed the total fees actually paid by you to North Harbor Financial Consulting for the specific service giving rise to the claim during the three (3) months preceding the event giving rise to liability, or CAD $1,000, whichever is greater, except where a greater limitation is prohibited by law.

We do not warrant that our services will meet your expectations, produce any particular financial result, or be error-free or uninterrupted. Any recommendations are made based on information available at the time and may be affected by changes in markets, legislation, taxation, interest rates, insurance underwriting, and other factors beyond our control.

Nothing in these Terms excludes or limits liability that cannot be excluded under applicable law, including liability for fraud, wilful misconduct, or gross negligence where such limitation is prohibited.

7. Intellectual Property Rights

Unless otherwise agreed in writing, all intellectual property rights in our website, templates, methodologies, presentation materials, reports, frameworks, checklists, branding, text, graphics, and other content created or used by North Harbor Financial Consulting remain our exclusive property or the property of our licensors.

Subject to your compliance with these Terms and payment of all applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable license to use deliverables prepared specifically for you for your internal personal or business purposes, as applicable to the engagement.

You must not copy, reproduce, modify, distribute, publish, reverse engineer, or create derivative works from our materials except as expressly permitted in writing. You retain ownership of any data, documents, or information you provide to us, but you grant us a non-exclusive license to use such materials solely to perform the services and maintain our records.

Any feedback, suggestions, or ideas you provide may be used by us without restriction or compensation, to the extent permitted by law.

8. Data Protection and Privacy

We collect, use, disclose, and retain personal information in accordance with applicable Canadian privacy laws, including applicable provincial privacy legislation and the federal Personal Information Protection and Electronic Documents Act (PIPEDA), where applicable.

We use personal information for purposes including:

Providing and administering our services;
Verifying identity and assessing suitability of services;
Communicating with you about your engagement;
Billing, payment processing, and account management;
Complying with legal, regulatory, and professional obligations;
Detecting, preventing, and addressing fraud, security incidents, and misuse; and
Improving our services, systems, and client experience.

We may disclose personal information to service providers, payment processors, technology vendors, professional advisers, and government or regulatory authorities where necessary or permitted by law. We take reasonable administrative, technical, and physical safeguards to protect personal information; however, no system is completely secure, and we cannot guarantee absolute security.

Where required by law, we will obtain consent for collection, use, or disclosure of personal information. You may have rights to access, correct, or request deletion of certain personal information, subject to legal and contractual limitations.

By using our services, you consent to the collection, use, disclosure, and cross-border processing of your information as described in our privacy practices and as reasonably necessary to deliver our services. If you provide information about third parties, you represent that you have the authority or consent to do so.

9. Force Majeure

North Harbor Financial Consulting will not be liable for any delay or failure in performing our obligations to the extent caused by events beyond our reasonable control, including but not limited to acts of God, floods, fires, earthquakes, severe weather, epidemics, pandemics, labour disputes, power failures, internet outages, cyber incidents, government actions, war, terrorism, civil unrest, or disruptions involving third-party service providers.

During any force majeure event, our obligations will be suspended for the duration of the event and we will use commercially reasonable efforts to resume performance as soon as practicable.

10. Changes to Terms

We may update or modify these Terms from time to time to reflect changes in our services, legal requirements, operational practices, or other circumstances. The updated Terms will be effective on the date indicated in the revised version unless a different effective date is stated.

Where required by law or where changes are material, we will provide reasonable notice by posting the updated Terms on our website, emailing you, or otherwise communicating the update. Your continued use of our services after the effective date of any revised Terms constitutes acceptance of those changes.

11. Applicable Law and Jurisdiction

These Terms, and any dispute, claim, or controversy arising out of or relating to them or the services, shall be governed by and interpreted in accordance with the laws of the Province of British Columbia and the applicable federal laws of Canada, without regard to conflict of laws principles.

You agree that the courts located in Vancouver, British Columbia shall have exclusive jurisdiction over any dispute arising from or related to these Terms or our services, except where applicable law requires otherwise or where the parties agree in writing to an alternative dispute resolution process such as mediation or arbitration.

12. Contact Information

If you have any questions, concerns, complaints, or requests regarding these Terms or our services, please contact:

North Harbor Financial Consulting
North Harbor Financial, 1455 W 8th Avenue, Suite 210
Vancouver, BC V6H 1C9
Canada
Email: [email protected]
Phone: +1 (604) 782-4691

13. Severability Clause

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be severed to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

If any invalid or unenforceable provision can be made valid and enforceable by modification, the provision shall be deemed modified to the minimum extent necessary to make it enforceable while preserving its original intent as closely as possible.

These Terms constitute the entire agreement between you and North Harbor Financial Consulting regarding the subject matter herein, except as otherwise set out in a signed written agreement between the parties.

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