These terms govern your use of the Clariva website and your purchase of Clariva's services. By placing an order, you agree to them. "Clariva", "we", "us" means the Clariva consulting practice — business planning, financial modeling and marketing strategy — operating from Vancouver Island, British Columbia, Canada.
1. What we provide
Clariva builds custom financial models, business plans, and related advisory documents for small and medium-sized businesses. Deliverables and inclusions for each package are described on the pricing section at the time of order.
2. What our work is — and is not
- Our deliverables are analytical and planning tools based on the information you provide and stated assumptions.
- Financial projections are estimates, not guarantees. Actual results depend on your execution and market conditions.
- We are not a licensed accounting, audit, tax, legal, or investment-advisory firm, and our work does not constitute such advice. Where those matters arise, consult the appropriate licensed professional.
- A model formatted to lender standards improves the quality of your application; it does not guarantee loan approval — that decision always rests with the lender.
3. Your responsibilities
You agree to provide accurate, complete information about your business through the intake process. Our deliverables are only as sound as the inputs you give us. You are responsible for reviewing the deliverables and confirming that assumptions reflect your business before using them with a bank, investor, or partner.
4. Payment, revisions, and refunds
- Prices are listed in Canadian dollars and are one-time fees unless stated otherwise.
- Each package includes the number of revision rounds stated in its description.
- 100% money-back guarantee: if you are not satisfied with the deliverable, tell us within 14 days of delivery and we will either revise it to address your concerns or refund your payment in full.
5. Ownership and use
On full payment, the deliverables we build for you are yours — use them, edit them, and share them with lenders, investors, and advisors freely. Clariva retains the right to reuse its own generic methodologies, templates, and know-how. We do not use your identifiable information in marketing without written permission (see our Privacy Policy).
6. Confidentiality
Information you share for an engagement is kept confidential and used only to produce your deliverables.
7. Limitation of liability
To the maximum extent permitted by law, Clariva's total liability arising from any engagement is limited to the amount you paid for that engagement. We are not liable for indirect or consequential losses, including lost profits or financing decisions made by third parties.
8. Governing law
These terms are governed by the laws of British Columbia and the federal laws of Canada applicable there. Any disputes will be resolved in the courts of British Columbia.
9. Changes
We may update these terms; the version posted at the time of your order applies to that order.
10. Contact
Questions: info@clarivagroups.ca.