Effective Date: May 2, 2026

Welcome to SFHN Inc! By accessing or using our website (“Site”), services, and products, you agree to abide by the following Terms of Service (“Terms”). If you do not agree, please refrain from using our Site or services.

1. Services Provided

SFHN Inc provides financial advisory and consulting services designed to help clients strengthen their financial well-being and make informed financial decisions.

Our services may include:

Financial consultations

Budgeting and financial planning guidance

Debt management strategies

Financial education

Long-term financial goal planning

Personalized financial advisory support

2. Eligibility

To use our services, you must be at least 18 years old and legally capable of entering into binding agreements.

By using our services, you confirm that you meet these requirements.

3. No Guarantee of Results

While we strive to provide professional guidance and strategic financial support, we do not guarantee specific financial outcomes, investment performance, debt reduction results, or future financial success.

Results vary based on individual circumstances, market conditions, financial behavior, and adherence to recommendations.

4. User Responsibilities

By using our services, you agree to:

Provide accurate and truthful information.

Cooperate in providing requested financial documentation when necessary.

Follow financial recommendations at your discretion and responsibility.

Use our services in compliance with all applicable laws and regulations.

5. Payment & Refund Policy

Certain services may require payment. Fees, billing terms, and payment schedules will be outlined in your service agreement or consultation arrangement.

Refund requests are reviewed on a case-by-case basis and subject to the terms stated in your written agreement with SFHN Inc.

6. Privacy & Data Protection

Your privacy is important to us. Please review our Privacy Policy for details on how we collect, use, and protect your personal information:

https://sfhninc.leadnestor.com/privacy

Important Notice

No mobile information will be shared with third parties or affiliates for marketing/promotional purposes. Information sharing with subcontractors providing support services, such as customer service or messaging platforms, is permitted.

All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties except aggregators and providers required to operate text messaging services.

7. Intellectual Property

All content on this Site — including text, graphics, branding, logos, service descriptions, and website design — is the property of SFHN Inc and protected by applicable copyright and intellectual property laws.

You may not reproduce, distribute, modify, or use any content without prior written permission from SFHN Inc.

8. Limitation of Liability

SFHN Inc shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

Use of or inability to use our services

Reliance on financial guidance or recommendations

Website interruptions or technical issues

Unauthorized access to data beyond our reasonable control

Our services are provided for informational and advisory purposes only.

9. Third-Party Links

Our Site may contain links to third-party websites for informational or convenience purposes. SFHN Inc is not responsible for the content, privacy practices, or policies of external websites.

10. Service Termination

We reserve the right to suspend or terminate access to our services at any time if:

These Terms are violated

Fraudulent or unlawful activity is suspected

Services are misused in any manner

Termination does not waive any outstanding financial obligations owed to SFHN Inc.

11. Governing Law

These Terms shall be governed and interpreted under the laws of the Province of Quebec and the applicable laws of Canada, without regard to conflict of law principles.

12. Updates to Terms

We may update these Terms periodically to reflect operational, legal, or regulatory changes.

Updated versions will be posted on our website, and continued use of our services constitutes acceptance of the revised Terms.

13. Contact Information

For any questions or concerns regarding these Terms, please contact us:

SFHN Inc
📍 4455 Street Delage Montréal H1R 1S1 Quebec Canada
📞 +1 514-561-2501
📧 [email protected]
🌐 https://sfhninc.leadnestor.com/home

14. SMS Program Terms & Compliance

Program Name

SFHN Inc Client Messaging Program

Program Description

Users who opt in may receive appointment reminders, service updates, important notifications, consultation follow-ups, and occasional promotional communications related to SFHN Inc services.

Opt-Out Instructions

You can cancel the SMS service at any time by texting “STOP” to the number from which you received messages. After sending “STOP,” we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us.

Rejoining Instructions

To rejoin, sign up again through our website or consultation forms, and we will resume sending SMS messages.

Help Instructions

If you experience issues with the messaging program, reply with “HELP” or contact us directly at:

Email: [email protected]

Phone: +1 514-561-2501

Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages.

Message & Data Rates Disclaimer

Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies.

Privacy Policy Link

For privacy-related inquiries, please refer to our Privacy Policy at: https://sfhninc.leadnestor.com/privacy

Compliance Statement

This messaging program complies with applicable CTIA and TCPA guidelines, ensuring that user consent and opt-in data are protected and respected.

Legal Compliance Note

By opting in, you confirm that you are the authorized user of the phone number provided and consent to receive SMS communications from SFHN Inc in accordance with these Terms.