Effective Date: July 24, 2025

1. Acceptance of Terms

By accessing or using this site, you agree to be bound by these Terms of Use. If you do not agree, please do not use the site.

2. Use of Site

You may browse the site for informational purposes only. You may not:

• Reproduce or distribute content without written permission

• Use the site to transmit unlawful or harmful content

• Attempt to interfere with the site’s functionality or security

3. Intellectual Property

All content, including text, graphics, and trademarks, is the property of ACF Associates unless otherwise noted, and may not be used without permission.

4. Limitation of Liability

ACF Associates is not liable for any direct or indirect damages arising from the use or inability to use this website or its content.

5. Modifications

We reserve the right to modify these terms at any time. Continued use of the site after changes constitutes acceptance.

6. Governing Law

These Terms are governed by the laws of the Province of Ontario, Canada.