Numeris Croft Contact

Terms of Service

Last updated: November 8, 2025

Agreement to Terms

These Terms of Service govern your access to and use of the Numeris Croft website and services. By accessing or using our website and services, you agree to be bound by these Terms of Service and our Privacy Policy.

If you do not agree to these terms, please do not use our website or services. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any changes.

1. Service Description

Numeris Croft provides independent financial analysis services, including portfolio assessments, financial landscape mapping, and market context briefings. Our services are designed to provide objective perspective and clarity regarding financial matters.

Nature of Services

  • Our services are analytical and informational in nature
  • We provide independent perspective without product sales
  • Services are delivered through written reports and consultation sessions
  • Service scope and deliverables are defined in individual engagement agreements

What Our Services Are Not

  • We do not provide investment advice or recommendations for specific securities
  • We do not manage investments or execute transactions on your behalf
  • We do not guarantee specific financial outcomes or returns
  • Our analysis does not constitute legal, tax, or accounting advice

2. Acceptable Use Policy

When using our website and services, you agree to:

Permitted Uses

  • Use the website and services for lawful purposes only
  • Provide accurate and complete information when requested
  • Maintain the confidentiality of any account credentials
  • Respect the intellectual property rights of Numeris Croft
  • Use information provided through our services responsibly

Prohibited Activities

You agree not to:

  • Use our services for any illegal or unauthorized purpose
  • Attempt to gain unauthorized access to our systems or networks
  • Interfere with the proper functioning of our website
  • Transmit viruses, malware, or other malicious code
  • Harvest or collect information about other users
  • Impersonate another person or entity
  • Use automated systems to access our website without permission

3. Account and Access

Account Requirements

While general website access does not require an account, engaging our services may require you to provide certain information and agree to specific terms.

  • You must be at least 18 years of age to use our services
  • You must have legal capacity to enter into binding contracts
  • You are responsible for maintaining the confidentiality of any sensitive information you share
  • You agree to notify us immediately of any unauthorized use of your information

Account Security

You are responsible for safeguarding any credentials or sensitive information related to your engagement with our services. While we implement security measures to protect your information, you play an important role in maintaining security.

Termination

We reserve the right to suspend or terminate your access to our services if we believe you have violated these Terms of Service or engaged in conduct that we deem inappropriate or harmful to our business or other users.

4. Service Availability and Modifications

Website Availability

We strive to maintain reliable website access but cannot guarantee uninterrupted availability. Our website may be unavailable due to:

  • Scheduled maintenance and updates
  • Technical difficulties or system failures
  • Circumstances beyond our reasonable control

We are not liable for any inconvenience or loss resulting from website unavailability.

Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time, with or without notice. This includes changes to:

  • Service offerings and features
  • Pricing and fee structures
  • Policies and procedures
  • Website content and functionality

Geographic Restrictions

While we are based in Canada and primarily serve clients in this region, we may work with clients in other locations. However, we make no representation that our services are appropriate or available for use in all jurisdictions. You are responsible for ensuring compliance with local laws when accessing our website or using our services.

5. Intellectual Property Rights

Our Content

All content on our website, including text, graphics, logos, images, and software, is the property of Numeris Croft or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from our website without our express written permission.

Service Deliverables

Reports and analysis we provide to you as part of our services are for your personal use only. You may not redistribute, publish, or share these materials without our prior written consent, except as necessary for consultation with your own professional advisors.

License Grant

We grant you a limited, non-exclusive, non-transferable license to access and use our website for its intended purposes. This license does not include any right to download, copy, or modify our content except as necessary for normal website use.

Trademarks

The Numeris Croft name, logo, and other marks are trademarks of our company. You may not use these marks without our express written permission.

6. Fees and Payment

Service fees are outlined in individual engagement agreements and may vary based on the scope of services requested.

  • Fees are specified in Canadian dollars unless otherwise stated
  • Payment terms are defined in your service agreement
  • Fees may be subject to change with appropriate notice
  • You are responsible for any applicable taxes
  • Late payment may result in service suspension

Refund policies, if applicable, will be specified in your individual service agreement.

7. Your Responsibilities

Information Accuracy

The quality of our analysis depends on the accuracy and completeness of the information you provide. You are responsible for ensuring that all financial data and other information shared with us is accurate and current.

Compliance with Laws

You agree to comply with all applicable laws and regulations when using our services, including those related to financial reporting, data privacy, and securities regulations.

Independent Decision Making

Our services provide analysis and perspective, but you remain responsible for all financial decisions you make. You should consult with appropriate legal, tax, and financial advisors before making significant financial decisions.

8. Communications

By using our services, you consent to receive electronic communications from us. These communications may include:

  • Service-related notifications and updates
  • Responses to your inquiries
  • Administrative messages
  • Information about our services (with your consent)

You can opt out of marketing communications at any time by following the unsubscribe instructions in our emails or contacting us directly.

9. Changes to Terms of Service

We may update these Terms of Service from time to time. When we make changes, we will update the "Last updated" date at the top of this page. For material changes, we may provide additional notice such as:

  • Email notification to registered users
  • Prominent notice on our website
  • Notification during your next service interaction

Your continued use of our services after changes are posted constitutes acceptance of the updated terms. If you do not agree to the changes, you should discontinue use of our services.

10. Contact Information

If you have questions about these Terms of Service, please contact us through our contact page.

We are committed to addressing your concerns and working with you to resolve any issues that may arise.