Terms of Use

Effective Date: January 19, 2026
Last Updated: February 4, 2026

Welcome to the website of Winch and Kat Financial Solutions Inc. (“we,” “our,” or “us”). By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree, please do not use this website.

1. Purpose of This Website

The content on this website is provided for general informational purposes only. It is intended to offer an overview of insurance and financial services and does not constitute financial, legal, tax, or insurance advice.

All services are subject to individual assessment, eligibility, and applicable regulations.

2. No Professional Advice

Information on this website should not be relied upon as a substitute for personalized professional advice.

Insurance coverage, financial strategies, and outcomes vary based on individual circumstances. You should consult directly with a licensed advisor before making decisions related to insurance, investments, or financial planning.

3. No Guarantees

We make reasonable efforts to ensure the information on this website is accurate and up to date. However, we do not guarantee that:

- The information is complete, current, or error-free

- Any specific financial or insurance outcome will be achieved

- Services or products described will be available or suitable for all individuals

4. Limitation of Liability

To the fullest extent permitted by law, Winch and Kat Financial Solutions Inc. shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

- Use of or reliance on this website

- Inability to access the website

- Errors or omissions in website content

- Third-party websites or services linked from this site

Your use of this website is at your own risk.

5. Third-Party Links and Tools

This website may contain links to third-party websites or tools, including booking or scheduling platforms. These are provided for convenience only.

We do not control and are not responsible for the content, availability, or privacy practices of third-party websites.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and design elements, is the property of Winch and Kat Financial Solutions Inc. or its licensors and is protected by applicable intellectual property laws.

You may view, download, and print content for personal, non-commercial use only. No content may be reproduced, modified, or distributed without prior written consent.

7. Acceptable Use

You agree not to:

- Use the website for unlawful purposes

- Attempt to gain unauthorized access to website systems

- Introduce malware, viruses, or harmful code

- Interfere with the website’s operation or security

8. Changes to These Terms

We may update these Terms of Use from time to time. Changes will be effective when posted on this page. Continued use of the website constitutes acceptance of the updated terms.

9. Governing Law

These Terms of Use are governed by the laws of the Province of British Columbia and the laws of Canada applicable therein, without regard to conflict of law principles.