Please read these terms carefully before using the Bryxara platform. By accessing or using our website, you agree to be bound by the following terms and conditions.
By accessing, browsing, or using the Bryxara website and any associated services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must discontinue use of the website immediately.
These terms apply to all visitors, registered users, and any other individuals who access the Bryxara platform. You represent and warrant that you are at least 18 years of age and possess the legal capacity to enter into this agreement. If you are accessing the platform on behalf of a legal entity such as a corporation, trust, or partnership, you represent that you have the authority to bind that entity to these terms.
Your continued use of the website following any modifications to these Terms of Service constitutes acceptance of those changes. We encourage you to review this page periodically to stay informed about our current terms.
Bryxara operates an online platform focused on retirement and pension investment planning. Our services are designed specifically for individuals who are approaching retirement or who have already retired. Through the platform, registered users can access educational resources about pension planning, explore curated investment opportunities, review market insights relevant to retirement portfolios, and use portfolio tracking tools to monitor the performance of selected investments.
The scope of services provided includes informational content about retirement investment strategies, access to structured investment plans with varying risk profiles and time horizons, personalized dashboards for tracking portfolio activity, educational articles, guides, and webinar content covering pension regulations and investment principles, and tools for comparing investment options based on individual retirement goals.
Bryxara does not provide personalized financial, legal, or tax advice. All content and investment information presented on the platform is for informational and educational purposes only. Users are strongly encouraged to consult with a qualified, independent financial advisor before making any investment decisions.
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the services.
As a user of the Bryxara platform, you agree to use the website and services only for lawful purposes and in accordance with these Terms of Service. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.
You agree not to engage in any of the following prohibited activities:
Violation of any of these obligations may result in immediate suspension or termination of your account, at our sole discretion, without prior notice or liability.
All content, materials, and intellectual property displayed on the Bryxara platform, including but not limited to text, graphics, logos, icons, images, audio clips, data compilations, software, and the overall design and arrangement of the website, are the exclusive property of Bryxara or its licensors and are protected by applicable copyright, trademark, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the platform and its content for your personal, non-commercial use only. This license does not include the right to reproduce, distribute, modify, publicly display, create derivative works from, or commercially exploit any content from the platform without our prior written permission.
The Bryxara name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Bryxara. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on this website are the trademarks of their respective owners.
The Bryxara platform and all content, materials, information, and services provided through the platform are offered on an "as is" and "as available" basis, without any warranties of any kind, whether express, implied, statutory, or otherwise. To the fullest extent permitted by applicable law, Bryxara disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.
Bryxara does not warrant that the platform will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not guarantee the accuracy, completeness, timeliness, or reliability of any information, content, or investment data presented on the platform.
Investing involves significant risk of capital loss. Past performance does not guarantee future results. The information on this website is for informational and educational purposes only and does not constitute financial, legal, tax, or investment advice. The value of investments can go down as well as up, and you may receive back less than you originally invested.
Any investment decisions you make based on information found on this platform are made at your own risk. Bryxara strongly recommends that you consult with a qualified, independent financial advisor before making any investment decisions, particularly those relating to your pension or retirement savings.
To the maximum extent permitted by applicable law, Bryxara, its directors, officers, employees, agents, affiliates, and licensors shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages arising out of or in connection with your use of, or inability to use, the platform or any content or services provided through the platform. This includes, without limitation, damages for loss of profits, revenue, data, goodwill, or any other intangible losses, even if Bryxara has been advised of the possibility of such damages.
In no event shall the total aggregate liability of Bryxara for all claims arising out of or relating to the use of the platform exceed the greater of one hundred Canadian dollars (CAD $100) or the amount you have paid to Bryxara in the twelve (12) months preceding the claim.
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, Bryxara's liability shall be limited to the maximum extent permitted by law. Nothing in these terms shall exclude or limit liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded or limited under applicable law.
You agree to defend, indemnify, and hold harmless Bryxara, its directors, officers, employees, agents, affiliates, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to reasonable attorney fees) arising from or related to your use of the platform, your violation of these Terms of Service, your violation of any applicable law or regulation, your violation of any rights of a third party (including intellectual property rights), or any content you submit, post, or transmit through the platform.
This indemnification obligation will survive the termination of your account and your cessation of use of the Bryxara platform.
The Bryxara platform may contain links to third-party websites, applications, or resources that are not owned or controlled by Bryxara. These links are provided for your convenience and reference only. Bryxara does not endorse, review, control, or assume any responsibility for the content, privacy policies, or practices of any third-party websites or services.
Your interactions with any third-party website or service are solely between you and that third party. Bryxara shall not be liable for any damage or loss arising from your use of or reliance on any third-party content, goods, or services. We strongly advise you to read the terms and privacy policies of any third-party websites you visit.
Your privacy is important to us. Our collection, use, and protection of your personal information are governed by our Privacy Policy, which is incorporated into these Terms of Service by reference. By using the Bryxara platform, you consent to the collection and use of your information as described in the Privacy Policy.
We also use cookies and similar tracking technologies as described in our Cookie Policy. By continuing to use the platform after being informed about our cookie practices, you acknowledge and agree to our use of cookies in accordance with that policy.
These Terms of Service and any disputes arising out of or relating to them, or to the use of the Bryxara platform, shall be governed by and construed in accordance with the laws of the Province of Manitoba, Canada, and the federal laws of Canada applicable therein, without regard to conflict of law principles.
You agree that any legal action or proceeding relating to your access to or use of the Bryxara platform shall be instituted exclusively in the courts located in the Province of Manitoba, Canada. You consent to the exclusive jurisdiction and venue of such courts and waive any objection based on inconvenient forum.
In the event of any dispute, controversy, or claim arising out of or relating to these Terms of Service or the use of the Bryxara platform, the parties agree to first attempt to resolve the matter through good-faith informal negotiation. You agree to contact Bryxara at the email address provided below and describe the nature of your dispute. Bryxara will attempt to respond and resolve the matter within thirty (30) calendar days of receiving your communication.
If the dispute cannot be resolved through informal negotiation within the thirty-day period, either party may pursue resolution through binding arbitration administered in accordance with the arbitration rules applicable in the Province of Manitoba, Canada. The arbitration shall be conducted in Steinbach, Manitoba, in the English language. The decision of the arbitrator shall be final and binding on both parties.
Notwithstanding the above, either party retains the right to seek injunctive or other equitable relief from a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights or confidentiality obligations.
Bryxara reserves the right to suspend, restrict, or terminate your access to the platform at any time, with or without cause and with or without notice, if we reasonably believe that you have violated any provision of these Terms of Service, you have engaged in conduct that may harm Bryxara, other users, or third parties, termination is required by law or a regulatory authority, or we decide to discontinue the platform or any part of the services.
You may terminate your account at any time by contacting us at the email address provided below and requesting account deletion. Upon termination, your right to access and use the platform will cease immediately.
All provisions of these Terms of Service that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.
Bryxara reserves the right to modify or replace these Terms of Service at any time. When we make material changes to these terms, we will provide notice by posting the updated terms on this page and updating the "Last Updated" date at the top of this document. For significant changes, we will also provide a notice on the homepage of our website at least fourteen (14) days before the changes take effect.
Your continued use of the platform after the effective date of any changes constitutes your acceptance of the modified terms. If you do not agree with the updated terms, you should discontinue use of the platform and, if applicable, request account deletion. We recommend reviewing these terms periodically to stay informed about any updates.
If any provision of these Terms of Service is found to be unlawful, void, or for any reason unenforceable by a court of competent jurisdiction, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of the remaining provisions. The unenforceable provision shall be replaced with a valid and enforceable provision that most closely reflects the intent of the original provision.
These Terms of Service, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and Bryxara regarding your use of the platform. These terms supersede any prior agreements, communications, or proposals, whether oral or written, between you and Bryxara relating to the subject matter herein.
If you have any questions, concerns, or requests regarding these Terms of Service, please contact us using the following details:
Investing involves significant risk of capital loss. Past performance does not guarantee future results. This is not financial advice. The value of investments can go down as well as up, and you may receive back less than you originally invested. Consult with a qualified financial advisor before making any investment decisions.