Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and Silent Treasury ("Company," "we," "our," or "us") regarding your use of our website and cultural adaptation services.

By accessing our website at silent-treasury.com or engaging our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

2. Description of Services

Silent Treasury provides professional cultural adaptation and international etiquette services, including but not limited to:

• Cultural adaptation coaching for newcomers to Canada
• Business etiquette training for professionals
• International protocol and diplomatic etiquette instruction
• Cross-cultural communication training
• Workplace integration consulting
• Educational content through our website and newsletter

Our services are designed to help individuals and organizations successfully navigate Canadian cultural norms and international business protocols.

3. Eligibility and Account Registration

3.1 Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information
• Comply with all applicable laws and regulations

3.2 Account Information

When engaging our services, you agree to:

• Provide truthful, accurate, and complete information
• Maintain and update your information as needed
• Protect the confidentiality of any account credentials
• Notify us immediately of any unauthorized use

4. Service Agreements and Scheduling

4.1 Service Consultation

Before beginning any formal training program, we provide consultation to:

• Assess your specific needs and goals
• Recommend appropriate services and programs
• Establish program timeline and objectives
• Agree on service fees and payment terms

4.2 Scheduling and Attendance

For scheduled sessions and consultations:

• Appointments must be confirmed at least 24 hours in advance
• Cancellations require minimum 24-hour notice
• Late cancellations (less than 24 hours) may incur charges
• No-shows will be charged the full session fee
• Rescheduling is subject to availability

4.3 Virtual Services

For online consultations and training:

• You are responsible for reliable internet connection
• Technical difficulties may require session rescheduling
• Sessions may be recorded for quality assurance (with consent)
• You must ensure privacy and minimize distractions

5. Fees and Payment

5.1 Service Fees

• All fees are quoted in Canadian dollars (CAD)
• Prices are subject to change with advance notice
• Custom programs are quoted individually
• Group rates may be available for organizations

5.2 Payment Terms

• Payment is due upon service agreement execution
• We accept credit cards, bank transfers, and corporate invoicing
• Outstanding balances accrue interest at 1.5% per month
• Services may be suspended for non-payment

5.3 Refund Policy

• Consultation fees are non-refundable
• Training programs: 50% refund if cancelled within 48 hours
• No refunds for partially completed programs
• Refunds processed within 10 business days
• Exceptional circumstances considered case-by-case

6. Client Responsibilities

As a client, you agree to:

• Actively participate in all scheduled sessions
• Complete assigned exercises and practice activities
• Provide honest feedback about your progress and challenges
• Respect cultural differences and maintain an open mindset
• Apply learned concepts in real-world situations
• Treat all staff and other participants with respect
• Maintain confidentiality of other clients' information

7. Intellectual Property

7.1 Our Content

All content provided by Silent Treasury, including but not limited to:

• Training materials and curricula
• Written guides and handouts
• Presentation slides and videos
• Website content and blog articles
• Methodologies and assessment tools

This content is protected by copyright and other intellectual property laws. You may use materials for personal learning purposes but may not reproduce, distribute, or commercialize them without written permission.

7.2 Client Materials

Any materials, ideas, or feedback you provide during training sessions remain your property. However, you grant us a non-exclusive license to use anonymized insights for service improvement and educational purposes.

8. Confidentiality

We maintain strict confidentiality regarding:

• Personal information shared during consultations
• Cultural background and adaptation challenges
• Professional goals and career information
• Progress assessments and feedback

Information may only be shared with your explicit consent or as required by law. We may use anonymized case studies for educational purposes and service improvement.

9. Limitation of Services

Our cultural adaptation and etiquette services are educational and advisory in nature. We do not provide:

• Immigration or legal advice
• Employment placement services
• Psychological or mental health counseling
• Guarantees of specific outcomes or results
• Academic credentials or certifications

Success in cultural adaptation depends on individual effort, circumstances, and consistent application of learned concepts.

10. Disclaimer of Warranties

Our services are provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including but not limited to:

• Merchantability and fitness for a particular purpose
• Accuracy or completeness of information
• Uninterrupted or error-free service delivery
• Achievement of specific personal or professional goals

11. Limitation of Liability

To the maximum extent permitted by law, Silent Treasury shall not be liable for:

• Indirect, incidental, or consequential damages
• Lost profits, revenue, or business opportunities
• Personal or professional setbacks
• Third-party actions or decisions

Our total liability for any claim shall not exceed the amount paid for services in the twelve months preceding the claim.

12. Indemnification

You agree to indemnify and hold Silent Treasury harmless from any claims, damages, or expenses arising from:

• Your violation of these Terms
• Your misuse of our services or materials
• Your violation of any third-party rights
• Any false or misleading information you provide

13. Termination

13.1 Termination by Client

You may terminate service agreements with 48 hours written notice. Refunds, if applicable, will be processed according to our refund policy.

13.2 Termination by Company

We may terminate services immediately if you:

• Violate these Terms of Service
• Fail to make required payments
• Engage in disruptive or inappropriate behavior
• Provide false or misleading information

13.3 Effect of Termination

Upon termination:

• Your access to materials and ongoing support ends
• Outstanding fees remain due and payable
• Confidentiality obligations continue indefinitely
• Certain provisions of these Terms survive termination

14. Dispute Resolution

14.1 Informal Resolution

Before initiating formal proceedings, parties agree to attempt resolution through direct communication and, if necessary, mediation.

14.2 Governing Law

These Terms are governed by the laws of Ontario, Canada, without regard to conflict of law principles.

14.3 Jurisdiction

Any legal proceedings shall be conducted in the courts of Toronto, Ontario, Canada.

15. Changes to Terms

We may modify these Terms at any time by:

• Posting updated Terms on our website
• Sending notice to your registered email address
• Providing notice at the beginning of your next session

Continued use of our services after changes constitutes acceptance of the modified Terms.

16. General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and Silent Treasury.

16.2 Severability

If any provision of these Terms is found unenforceable, the remaining provisions shall continue in full force and effect.

16.3 Assignment

You may not assign your rights or obligations under these Terms without our written consent. We may assign our rights and obligations with notice to you.

16.4 Force Majeure

Neither party shall be liable for delays or failures in performance resulting from circumstances beyond reasonable control, including natural disasters, government actions, or technical failures.

17. Contact Information

For questions about these Terms of Service, please contact us: