Terms of Use

1. Acceptance of These Terms

By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Site.

You confirm that you are at least 16 years old. If you are under the age of majority in your province or territory, you may use the Site only with the involvement and permission of a parent or legal guardian. The Site is intended for professional and organizational learning contexts and is not designed for children.

2. Educational and Professional Information Disclaimers

Benco Advisory Group provides structured business education, digital operations guidance, and professional workshops for Canadian clients. Unless explicitly stated in a written agreement, our services and materials are provided for educational and professional information purposes only.

• We do not provide financial, legal, investment, tax, or career advice.
• We do not guarantee revenue, profitability, cost reduction, certification, employment outcomes, or other specific results.
• Examples, templates, and scenarios are illustrative and may not reflect your organization’s constraints, regulatory obligations, or operating environment.
• Clients and participants remain responsible for their own decisions, implementation choices, and compliance obligations.

If you require advice specific to your circumstances, you should consult qualified professionals (for example, licensed legal counsel, a regulated accountant, or other advisors appropriate to your jurisdiction in Canada).

3. Description of Services and Site Content

The Site describes our offerings, which may include business operations guidance, digital process education, professional skills workshops, market awareness sessions, organizational planning support, and client communication training. Delivery may be remote, on-site, or blended, subject to availability and scheduling.

Any timelines, sample agendas, module lists, and descriptions are provided to help you understand the structure of learning engagements. We may update, revise, or discontinue parts of the Site and the described offerings at any time without notice.

Some sessions may include participation by invited specialists. Such participation is for educational purposes only and does not create a fiduciary relationship, regulated advisory relationship, or any promise of outcome.

4. Acceptable Use

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others or restrict or inhibit their use of the Site. In particular, you agree that you will not:

• Attempt to gain unauthorized access to any part of the Site, servers, or related systems, or attempt to bypass security measures.
• Use automated tools to scrape, crawl, harvest, or extract data from the Site without our prior written permission.
• Transmit any malware, spyware, or other harmful code; attempt to interfere with network integrity; or conduct denial-of-service activity.
• Submit false, misleading, or impersonated contact information through forms.
• Use the Site for unsolicited marketing, spam, or phishing.
• Use the Site in a way that violates applicable Canadian laws, including privacy and anti-spam rules (for example, CASL where applicable).

We may suspend or restrict access where we reasonably believe misuse, security threats, or unlawful activity is occurring.

5. Intellectual Property

The Site and its content, including text, training descriptions, templates, checklists, frameworks, graphics, and underlying code, are owned by or licensed to B.E.N.C.O Inc. and are protected by applicable intellectual property laws.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your internal informational purposes. You may not reproduce, distribute, modify, publish, create derivative works from, or commercially exploit any content from the Site without our prior written permission, except where such use is permitted by law.

“Benco Advisory Group”, “B.E.N.C.O”, and related names and marks are trademarks or trade names of B.E.N.C.O Inc. Use of these marks without permission is prohibited.

6. Third-Party Services and Links

The Site may reference third-party tools or platforms in an educational context (for example, digital workflow tools). Such references are for informational purposes only and do not constitute endorsement. The Site may also contain links to third-party websites for convenience.

We do not control third-party websites and are not responsible for their content, security, availability, or privacy practices. Your use of third-party services is at your own risk and is governed by the third party’s terms.

7. Disclaimer of Warranties

The Site is provided on an “as is” and “as available” basis. To the maximum extent permitted under applicable law, we disclaim all warranties and conditions, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, and availability.

We do not warrant that the Site will be uninterrupted, error-free, secure, or free of harmful components. We also do not warrant that the information on the Site will meet your requirements or produce any particular outcome.

8. Limitation of Liability

To the maximum extent permitted under applicable Canadian law, B.E.N.C.O Inc. and its directors, officers, employees, contractors, and invited specialists will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, data, goodwill, business interruption, or similar losses arising out of or related to your use of (or inability to use) the Site.

To the maximum extent permitted under applicable law, our total liability for any claim arising out of or relating to the Site or these Terms is limited to the greater of (a) the amount paid by you to us in the 12 months before the event giving rise to the claim, or (b) CAD $100.

Some jurisdictions do not allow certain limitations of liability. In such cases, our liability is limited to the greatest extent permitted by law.

9. Indemnification

You agree to indemnify and hold harmless B.E.N.C.O Inc. and its directors, officers, employees, contractors, and invited specialists from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Site; (b) your breach of these Terms; (c) your violation of any law or the rights of any third party; or (d) content or information you submit through the Site.

10. Force Majeure

We will not be liable for delays or failures in performance resulting from causes beyond our reasonable control, including acts of God, natural disasters, fire, flood, war, terrorism, labour disputes, supply interruptions, public health emergencies, power outages, internet or telecommunications failures, cybersecurity incidents, and third-party service outages.

11. International Use

The Site is intended for Canadian clients and organizations. We make no representation that the Site is appropriate or legally available for use in all locations. If you access the Site from outside Canada, you are responsible for compliance with local laws.

12. Governing Law and Jurisdiction (Canada)

These Terms and any dispute or claim arising from or relating to them (including non-contractual disputes or claims) are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles.

You agree that the courts located in Toronto, Ontario, Canada will have exclusive jurisdiction over any disputes arising out of or relating to these Terms or the Site, except where applicable consumer protection law requires otherwise.

13. Dispute Resolution

Before initiating formal proceedings, you agree to contact us and provide a short written description of the issue. We will make a good-faith effort to resolve the matter informally within 30 days. Nothing in this section limits either party’s right to seek urgent injunctive relief where appropriate.

14. Termination

We may suspend or terminate your access to the Site at any time if we reasonably believe you have violated these Terms, created risk for other users, or engaged in unlawful activity. Termination does not limit any rights or remedies available to us.

The following sections survive termination: Intellectual Property, Disclaimer of Warranties, Limitation of Liability, Indemnification, Governing Law and Jurisdiction, and all provisions that by their nature should survive.

15. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision will be deemed severed and will not affect the validity and enforceability of the remaining provisions.

16. Entire Agreement

These Terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and B.E.N.C.O Inc. regarding your use of the Site and supersede any prior understandings or communications relating to the Site.

17. Assignment

We may assign or transfer our rights and obligations under these Terms in connection with a merger, reorganization, acquisition, sale of assets, or by operation of law. You may not assign or transfer your rights or obligations under these Terms without our prior written consent.

18. No Waiver

Our failure to enforce any provision of these Terms is not a waiver of our right to enforce that provision later. Any waiver must be in writing and signed by an authorized representative of B.E.N.C.O Inc.

19. Modifications to These Terms

We may update these Terms from time to time. Changes are effective 14 days after they are posted on this page, unless a change must take effect sooner for legal or security reasons. Your continued use of the Site after the effective date constitutes acceptance of the updated Terms.

20. Electronic Communications

You agree that communications and notices we provide to you electronically satisfy any legal requirement that such communications be in writing. Where applicable, electronic signatures and records are binding to the fullest extent permitted under Canadian law and any applicable electronic commerce legislation.

21. Contact

If you have questions about these Terms, contact:

• Legal entity: B.E.N.C.O Inc.
• Address: 200 Bay Street, Suite 1700, Toronto, ON M5J 2J2, Canada
• Phone: +1 416 642 7813
• Email: [email protected]