Effective Date: June 18, 2025

Welcome to Pal Capital Group ("we", "us", "our"). These Terms and Conditions govern your use of our website, services, transactions, and communications with us. By accessing or using our services, you agree to these terms. If you do not agree, please do not use our services.

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1. Definitions
User, you, or your means any person accessing our services or website.

Content means any text, images, data, or material made available on our website.

Services refers to property acquisition, investment opportunities, financial products, or any other service we offer.

Agreement refers to this Terms and Conditions document along with any related terms communicated to you.

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2. Use of Services
You must be at least 18 years old to use our services.

You agree to use our services lawfully and in accordance with this Agreement.

You agree not to misuse our services or interfere with security.

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3. Account Registration
To access certain services you may be required to register and create an account.

You must provide accurate, truthful, and complete information.

You are responsible for keeping your account credentials confidential.

You must notify us immediately if your credentials are compromised.

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4. Provision of Services
We will use reasonable efforts to provide services as described, but we do not guarantee completeness or uninterrupted availability.

All services are provided "as is" and "as available".

We may modify, suspend, or discontinue any aspect of our services at any time without notice.

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5. Fees and Payments
Unless otherwise specified, fees apply to services and are payable according to our then-current schedule.

We may charge late fees or interest on overdue payments.

We reserve the right to change fees and will inform you before any change takes effect.

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6. Intellectual Property
All content on our site is protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, revocable license to access and use the content for personal, non-commercial purposes.

You agree not to reproduce, distribute, modify, or create derivative works from our content without permission.

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7. User Submissions
You retain ownership of any content you submit to us.

By submitting content you grant us a perpetual, worldwide license to use, reproduce, adapt, publish, and distribute it.

You represent and warrant that you own or have the rights to any content you submit and that its use does not infringe others' rights.

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8. Confidentiality and Non-disclosure
Each party agrees not to disclose the other’s confidential information to third parties without prior consent, except as required by law.

Confidential information includes business, financial, technical, legal, or marketing data that is identified as confidential or reasonably understood to be confidential.

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9. Privacy
We handle personal information in accordance with our Privacy Policy.

By using our services you consent to our use of your information as described there.

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10. Disclaimers and Limitation of Liability
Services are provided without warranties of any kind, whether express or implied.

To the extent permitted by law, we disclaim all implied warranties.

We are not liable for indirect, incidental, special, or consequential damages arising from your use of services.

Our total liability is limited to the amount you have paid to us in the twelve months before the claim arose.

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11. Indemnification
You agree to defend, indemnify, and hold us, our affiliates, officers, and employees harmless from any claims, liabilities, damages, losses, or expenses arising from:

Your breach of this Agreement.

Your negligence or misconduct.

Claims related to any content you submit.

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12. Termination
We may suspend or terminate your access at our discretion, with or without cause.

You may terminate your account at any time by notifying us.

Upon termination, your rights under this Agreement end but obligations like confidentiality, indemnification, and liability survive.

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13. Governing Law and Dispute Resolution
This Agreement is governed by the laws of the Province of Ontario.

This jurisdiction includes disputes related to our services or this Agreement.

Any legal proceedings must be brought in courts in the Province of Ontario.

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14. Changes to Terms
We may update these Terms and Conditions from time to time.

We will provide notice of any material changes.

Continued use after changes indicates acceptance of the updated ter