Terms of Service

Acceptance of Terms

By accessing and using the Creative Services website (crtvpro.com) and services, you accept and agree to be bound by the terms and conditions of this agreement. If you do not agree to these terms, you should not use our website or services.

Description of Services

Creative Services provides banking and business banking consulting services, including but not limited to:

• Banking product consultation and recommendations
• Business banking solutions and setup assistance
• Merchant services guidance
• Commercial loan consultation
• Personal banking advice
• Financial planning guidance

Our services are consultative in nature. We do not provide banking services directly, nor are we a licensed financial institution.

Use of Website

You may use our website for lawful purposes only. You agree not to use the website:

• In any way that violates applicable laws or regulations
• To transmit, or procure the sending of, any advertising or promotional material without our consent
• To impersonate or attempt to impersonate Creative Services, our employees, or other users
• To engage in any other conduct that restricts or inhibits anyone's use of the website

Consultation Services

Our consultation services are provided based on:

• Information you provide to us
• Current market conditions and available products
• Our professional experience and judgment

You acknowledge that:

• All recommendations are subject to approval by financial institutions
• Market conditions and bank policies may change
• Final decisions regarding financial products are your responsibility
• You should verify all information independently

Intellectual Property

The content on this website, including text, graphics, logos, and software, is the property of Creative Services and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our express written permission.

Disclaimer of Warranties

Our website and services are provided "as is" without any representations or warranties of any kind. Creative Services disclaims all warranties, express or implied, including but not limited to:

• Warranties of merchantability and fitness for a particular purpose
• Warranties regarding the accuracy or completeness of information
• Warranties that our services will meet your specific needs
• Warranties that our website will be uninterrupted or error-free

Limitation of Liability

To the maximum extent permitted by law, Creative Services shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from:

• Your use of our website or services
• Any errors or omissions in our content
• Any interruption or cessation of transmission to or from our website
• Any decisions made based on our recommendations

Our total liability in any matter arising out of or related to these terms shall not exceed the amount paid by you for our services.

Professional Standards

Creative Services operates according to professional standards and ethical guidelines. However, we are not licensed financial advisors, accountants, or lawyers. Our services are consultative and educational in nature. For specific legal, tax, or investment advice, you should consult with appropriately licensed professionals.

Privacy and Confidentiality

We respect your privacy and maintain confidentiality of client information in accordance with our Privacy Policy. By using our services, you consent to our collection and use of information as described in our Privacy Policy.

Termination

We may terminate or suspend your access to our website and services immediately, without prior notice, for any reason, including if you breach these Terms of Service.

Governing Law

These terms shall be interpreted and governed by the laws of the Province of Alberta and the laws of Canada applicable therein. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Alberta.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our website and services after any changes constitutes acceptance of the new terms.

Severability

If any provision of these terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these terms shall otherwise remain in full force and effect.

Contact Information

If you have any questions about these Terms of Service, please contact us: