Terms & Conditions – Step Bookkeeping & Financial Services

Welcome to Step Bookkeeping & Financial Services ("Company", "we", "our", or "us"). These Terms & Conditions ("Terms") govern your use of our website, stepbookkeeping.com, and any services provided by us. By accessing or using our website and services, you agree to comply with these Terms. If you do not agree, please refrain from using our services.

1. Definitions

  • "Client" refers to any individual or business entity that engages with our services.

  • "Services" include but are not limited to bookkeeping, financial coaching, debt reduction support, tax assistance, and any other professional services provided by Step Bookkeeping & Financial Services.

  • "Website" refers to stepbookkeeping.com.

2. Use of Our Services

2.1 Eligibility

You must be at least 18 years old to use our services. By using our website and services, you confirm that you meet this age requirement and have the legal authority to enter into this agreement.

2.2 Compliance with Laws

You agree to use our services in accordance with applicable federal and provincial laws, including but not limited to:

  • Personal Information Protection and Electronic Documents Act (PIPEDA)

  • Alberta’s Personal Information Protection Act (PIPA)

  • Canada’s Income Tax Act

2.3 Service Limitations

We provide bookkeeping, financial consulting, and related services; however, we do not provide legal, investment, or accounting certification services unless explicitly stated. We recommend consulting a licensed accountant or legal advisor for specialized financial or legal matters.

3. Client Information & Data Collection

3.1 Information Collection

We collect personal and business information through our website and contact forms, including but not limited to:

  • Full Name & Contact Details

  • Business Information

  • Financial Records

  • Tax Information (e.g., T4 slips, GST details)

By providing your information, you agree that we may use it to provide services, comply with regulatory requirements, and improve our offerings.

3.2 Data Protection & Privacy

Your personal data is protected under PIPEDA and Alberta’s PIPA. We do not sell, share, or disclose your data to third parties without consent, except as required by law. Please refer to our Privacy Policy for more details.

4. Fees & Payment Terms

4.1 Service Fees

Our fees are based on the type and scope of services provided. Fees will be discussed and agreed upon before services begin.

4.2 Payment Terms

Payments must be made as per the terms outlined in your service agreement. Late payments may be subject to interest charges.

4.3 Refunds

Refunds are considered on a case-by-case basis and are subject to service completion. Certain services may be non-refundable once provided.

5. Limitation of Liability

Step Bookkeeping & Financial Services is not liable for:

  • Any errors or omissions in financial records due to incomplete or inaccurate information provided by the client.

  • Delays or financial losses resulting from regulatory changes or unforeseen circumstances.

  • Any legal or tax consequences resulting from a client's financial decisions.

Our liability is limited to the fees paid by the client for the services in question.

6. Intellectual Property

All website content, including text, logos, graphics, and service descriptions, is the property of Step Bookkeeping & Financial Services and may not be copied, distributed, or modified without written consent.

7. Termination of Services

We reserve the right to terminate services if a client:

  • Provides fraudulent or misleading information.

  • Fails to meet payment obligations.

  • Engages in abusive or unethical conduct toward our staff.

Clients may also terminate services by providing written notice. Any outstanding fees must be settled before termination.

8. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on our website, and continued use of our services indicates acceptance of the revised Terms.

9. Governing Law

These Terms are governed by the laws of Alberta, Canada, and any disputes shall be resolved in Alberta courts.

10. Contact Information

If you have any questions about these Terms, please contact us:

📍 Step Bookkeeping & Financial Services
📞 +1 403 877-7569
📧 STEPBOOK@PROTONMAIL.COM
🌐 https://stepbookkeeping.com/

By using our website and services, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.