Terms of Service

These Terms of Service form a binding agreement between you and Canaquest Consulting Inc. (“Finalia,” “we,” “us”), a company incorporated in British Columbia, Canada. By creating an account, signing in, or using the Finalia service, you confirm that you have read, understood, and agreed to these Terms and to our Privacy Policy.

You must be at least 13 years old to use Finalia. If you are under 18, a parent or legal guardian must review these Terms with you and agree on your behalf. By signing up, you confirm this is the case.

You are responsible for keeping your sign-in credentials secure and for all activity that occurs under your account. One person per account; do not share your account. Notify us immediately if you suspect unauthorized use.

Finalia is a research mentor, not a ghostwriter. You agree to use Finalia in good faith for guidance, critique, and structural feedback on your own original research. You will not:

• Submit any artifact produced by Finalia as your own original writing without substantial revision, attribution, and ownership of the underlying research
• Use Finalia to violate the rules of any competition, school, or admissions program
• Attempt to reverse-engineer, scrape, or replicate the Finalia pipeline, system prompts, or model interactions
• Use Finalia to harass, defame, infringe on others' rights, or generate unlawful content
• Share an account, resell access, or use Finalia for any party other than yourself

• The founding rate is US$99 per month for subscriptions started on or before August 31, 2026, and remains US$99 per month for as long as that subscription stays active. Subscriptions started after that date are billed at the standard price of US$199 per month. All amounts are billed monthly to the payment method you provide.
• Subscriptions renew automatically each month until you cancel.
• You can cancel at any time from your dashboard. Cancellation takes effect at the end of your current paid billing period; you retain access until then.
• No partial-month refunds are issued automatically. If you believe a refund is warranted (for example, you were billed after cancelling), contact info@canaquestconsulting.com and we will review in good faith.
• We may change pricing for future billing periods with at least 30 days' prior notice. Price changes do not affect billing periods already paid.

Your content stays yours. Research questions, hypotheses, drafts, data, papers, and other materials you create using Finalia remain your intellectual property. You grant Finalia a limited, non-exclusive licence to store, process, and display your content solely to provide the service to you.

Our system stays ours. The Finalia 16-phase pipeline, system prompts, conversation design, software, branding, and documentation — including the methods covered by USPTO Provisional Application No. 64/047,097 — are the intellectual property of Canaquest Consulting Inc. You receive a personal, non-transferable right to use the service; you receive no licence to the underlying system.

Finalia is an educational tool designed to help you produce stronger research. We do not guarantee that using Finalia will result in a competition win, a particular grade, a college admission, a scholarship, or any other outcome. Research is hard, judging is variable, and admissions are competitive. Finalia improves the odds — it does not promise the result.

Finalia is provided “as is” and “as available.” To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. AI-generated content is heuristic and may contain errors, omissions, or fabricated citations; you are responsible for verifying any factual or statistical claim before relying on it for a competition, paper, or application. Finalia is not legal, medical, or financial advice.

To the maximum extent permitted by law, Canaquest Consulting Inc., its directors, officers, employees, and contractors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, opportunity, or data, arising out of or in connection with your use of Finalia. Our total aggregate liability to you for any claim arising out of these Terms or the service is limited to the greater of (a) the amount you paid us in the twelve months preceding the claim, or (b) US$100.

You agree to defend, indemnify, and hold harmless Canaquest Consulting Inc. from any claim, loss, or expense (including reasonable legal fees) arising from your breach of these Terms, your misuse of Finalia, or your violation of any third party's rights.

You may terminate your account at any time by cancelling your subscription and deleting your account from the dashboard. We may suspend or terminate your account if you violate these Terms, if required by law, or if we discontinue the service. On termination, your access ends, but the licence you granted us to process your content during the service period survives.

We may update these Terms from time to time. If we make a material change, we will notify you by email and in your dashboard at least 30 days before the change takes effect. If you continue to use Finalia after the change, you accept the updated Terms; if you do not, you may cancel before the change takes effect.

These Terms are governed by the laws of the Province of British Columbia and the applicable federal laws of Canada, without regard to conflict-of-laws principles.

Please read this section carefully. It affects your rights, including your right to sue in court and to participate in a class action.

Except for the carve-outs listed below, you and Canaquest Consulting Inc. agree to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Finalia service through binding individual arbitration, not in court.

Informal resolution first

Before filing for arbitration, you agree to first send a written notice of dispute to info@canaquestconsulting.com describing the claim and the relief you seek. We will do the same to the email on your account. The parties will attempt in good faith to resolve the dispute informally for 30 days before either party may begin arbitration.

Arbitration procedure

Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, available at adr.org/consumer. The arbitration will be conducted by a single arbitrator. To keep arbitration accessible, hearings (if any) will be conducted by telephone or video conference unless both parties agree otherwise, or held in the U.S. county or Canadian province where you reside. We will reimburse any AAA filing fees you pay above what you would have paid to file the same claim in a court of competent jurisdiction.

Class action waiver

You and Canaquest Consulting Inc. agree to bring any claim only in an individual capacity, not as a plaintiff or class member in any purported class, consolidated, representative, or private attorney general action. The arbitrator has no authority to consolidate claims, preside over any form of representative or class proceeding, or award class-wide relief. If a court decides this class action waiver is unenforceable as to a particular claim, that claim (and only that claim) shall be severed from arbitration and brought in the courts identified in the “Carve-outs” section below; the remainder of the arbitration agreement stays in force.

Carve-outs (what is NOT subject to arbitration)

• Either party may bring an individual claim in small claims court if it qualifies under that court's jurisdictional limits (typically up to USD $10,000).
• Either party may seek injunctive or equitable relief in a court of competent jurisdiction to prevent infringement of intellectual property rights, unauthorized access to systems, or breach of confidentiality obligations.
• For any claim not subject to arbitration under these carve-outs, the parties submit to the exclusive jurisdiction of the courts located in Vancouver, British Columbia.

Your right to opt out

You may opt out of this Arbitration Agreement within 30 days of first accepting these Terms by emailing info@canaquestconsulting.com with the subject line “Arbitration Opt-Out” and including your account email and a statement that you wish to opt out. If you opt out, the rest of these Terms (including the class action waiver) still applies, but disputes between you and Canaquest Consulting Inc. will be resolved in the courts located in Vancouver, British Columbia, instead of by arbitration. Opting out has no other effect on your relationship with Finalia.

Survival

This Arbitration Agreement survives termination of your account or these Terms.

If any provision of these Terms is held unenforceable, the remaining provisions remain in full effect. Our failure to enforce a provision is not a waiver of our right to do so later. These Terms, together with the Privacy Policy, are the entire agreement between you and Canaquest Consulting Inc. regarding Finalia. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.

Questions about these Terms? Email us at info@canaquestconsulting.com.