Terms of Use

Lesniewski Moore Consulting Group Inc. (LMC Group)

Effective Date: April 10, 2026

These Terms of Use (“Terms”) govern your access to and use of the website operated by Lesniewski Moore Consulting Group Inc. (“LMC Group,” “we,” “our,” or “us”), including the website located at www.lmcgroup.ca and any associated webpages, content, tools, forms, and online services (collectively, the “Website”).

By accessing or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not access or use the Website.

1. Use of the Website

You may use the Website only for lawful purposes and in accordance with these Terms. You agree not to use the Website in any way that could damage, disable, overburden, interfere with, or impair the Website or any other party’s use of the Website.

Without limiting the foregoing, you agree not to:

use the Website for any unlawful, fraudulent, abusive, defamatory, or otherwise objectionable purpose;
attempt to gain unauthorized access to any portion of the Website, related systems, servers, or networks;
transmit or introduce any virus, malware, malicious code, or other harmful material;
interfere with or disrupt the operation, security, or integrity of the Website;
copy, scrape, reproduce, republish, distribute, modify, reverse engineer, or exploit Website content except as expressly permitted by these Terms or by law.

2. Website Content for General Information Only

The content on this Website is provided for general informational purposes only. It is not intended to constitute, and should not be relied upon as, actuarial, pension, retirement, tax, legal, accounting, investment, insurance, or other professional advice.

No content on this Website creates a consultant-client, advisor-client, fiduciary, or other professional relationship between you and LMC Group. You should seek advice from qualified professionals regarding your particular facts and circumstances before making decisions based on any information on this Website.

While LMC Group makes reasonable efforts to keep Website content current and accurate, we do not guarantee that any information on the Website is complete, accurate, current, error-free, or suitable for any specific purpose.

3. No Reliance / No Guarantee of Results

Any examples, illustrations, commentary, publications, calculators, or descriptions on the Website are provided for background information only and may not apply to your particular circumstances. Outcomes in pension, retirement, actuarial, tax, and financial matters depend on many variables, including legal, regulatory, actuarial, tax, and factual considerations.

LMC Group does not guarantee any particular result, savings outcome, pension outcome, funding level, tax consequence, or business outcome based on your use of this Website or the information made available through it.

4. Intellectual Property

All content on the Website, including without limitation text, articles, graphics, images, logos, icons, layout, design, downloads, data compilations, documents, and software, is owned by or licensed to LMC Group and is protected by applicable copyright, trademark, and other intellectual property laws.

You may view, download, or print Website content solely for your own lawful, personal, or internal business informational use, provided that you do not remove or alter any copyright, trademark, or proprietary notice. Except as expressly permitted by law or these Terms, no content from the Website may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, modified, commercially exploited, or incorporated into other works without LMC Group’s prior written consent.

5. Communications Through the Website

Communications sent through the Website, including through contact forms, email links, or other electronic means, may not be secure. You should not send confidential, proprietary, privileged, or highly sensitive information through the Website unless appropriate secure arrangements have been made.

Submission of information through the Website does not, by itself, create a professional relationship or obligate LMC Group to provide services.

6. Third-Party Links and Resources

The Website may contain links to third-party websites, services, platforms, applications, or resources for convenience only. LMC Group does not control and is not responsible for the content, availability, security, privacy practices, terms, or accuracy of any third-party website or service.

Your use of any third-party website or service is entirely at your own risk and is subject to the terms and privacy policies of the applicable third party.

7. Third-Party Vendor SMS / Verification Messages

In some cases, LMC Group employees, representatives, or authorized users may use business phone numbers in connection with accounts or services provided by third-party vendors, software providers, financial institutions, technology platforms, or other external organizations. Those third parties may send security alerts, login verification codes, multi-factor authentication messages, or other account-related text messages directly to those phone numbers.

LMC Group does not originate, send, or control those third-party text messages, including their content, frequency, delivery practices, privacy practices, or terms of use. Any such messages are governed by the policies, terms, and practices of the third-party sender.

If you use a phone number associated with LMC Group to receive messages from a third-party vendor, you are responsible for reviewing that third party’s privacy policy, terms of use, and account-security settings to understand how your information is collected, used, and protected.

8. Privacy

Your use of the Website is also subject to LMC Group’s Privacy Policy, which describes how personal information may be collected, used, disclosed, and protected in connection with the Website and related services. By using the Website, you acknowledge that you have reviewed the Privacy Policy.

9. Website Availability and Security

LMC Group does not guarantee that the Website will always be available, uninterrupted, secure, or free from errors, viruses, or other harmful components. Access to the Website may be suspended, restricted, or terminated at any time without notice for maintenance, updates, technical reasons, security reasons, or other business reasons.

You are responsible for implementing appropriate safeguards to protect your own devices, systems, data, and credentials when accessing or using the Website.

10. Disclaimer of Warranties

The Website and all content made available through it are provided on an “as is” and “as available” basis, without any warranty, representation, or condition of any kind, whether express, implied, statutory, or collateral.

To the fullest extent permitted by applicable law, LMC Group disclaims all warranties, representations, and conditions, including without limitation implied warranties or conditions of merchantability, fitness for a particular purpose, non-infringement, title, accuracy, completeness, availability, or compatibility with your systems.

11. Limitation of Liability

To the fullest extent permitted by applicable law, LMC Group and its directors, officers, employees, representatives, contractors, and affiliates will not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, or for any loss of profits, revenue, business opportunity, goodwill, data, use, or other intangible losses, arising out of or in connection with:

your access to, use of, inability to use, or reliance on the Website;
any errors or omissions in Website content;
any interruption, suspension, delay, or unavailability of the Website;
any virus, malware, or other harmful component transmitted in connection with the Website; or
any third-party website, service, or communication linked to or referenced on the Website.

12. Indemnity

You agree to indemnify, defend, and hold harmless LMC Group and its directors, officers, employees, contractors, affiliates, and representatives from and against any claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising from or related to:

your use of the Website;
your breach of these Terms;
your violation of any law or the rights of any third party; or
any information or materials you submit through the Website.

13. Governing Law

These Terms and your use of the Website will be governed by and construed in accordance with the laws of the Province of Alberta and the applicable laws of Canada, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms or the Website will be subject to the exclusive jurisdiction of the courts of the Province of Alberta, unless applicable law requires otherwise.

14. Changes to These Terms

LMC Group may revise or update these Terms at any time by posting updated Terms on the Website. Changes are effective when posted unless otherwise stated. Your continued use of the Website after revised Terms are posted constitutes your acceptance of those revised Terms.