Last Updated: March 1, 2026

These Terms and Conditions govern your access to and use of the website, products, programs, events, and services offered by Peak Flow Online Business Management Inc., a British Columbia company with incorporation number BC 1308588 (“Peak Flow OBM”, “we”, “us”, or “our”).

By accessing our website, purchasing from us, booking a service, registering for an event, or clicking to accept these Terms, you agree to be bound by them.

If you do not agree to these Terms, do not use our website or purchase our products or services.

1. Scope of These Terms

These Terms apply to:

• your use of our website;
• any fixed-price services, consulting offers, audits, programs, digital products, templates, toolkits, recordings, memberships, or other offerings purchased through our website or online checkout pages;
• registrations for speaking engagements, workshops, webinars, and events offered by us;
• your access to any client portal, course portal, resource library, shared workspace, or online account we provide.

If you and Peak Flow OBM enter into a separate written proposal, quote, service agreement, statement of work, or retainer agreement for custom services, that separate written agreement will govern those services and will prevail over these Terms to the extent of any conflict.

2. Eligibility and Authority

You represent and warrant that:

• you are at least the age of majority in your jurisdiction;
• you have the legal capacity to enter into binding agreements; and
• if you are acting on behalf of a company or organization, you have authority to bind that company or organization.

3. Website Content and General Information

Our website and materials are provided for general informational, educational, and promotional purposes only.

While we make reasonable efforts to keep information current and accurate, we do not warrant that any content on our website is complete, accurate, reliable, current, or error-free. Your use of the website and reliance on any information provided is at your own risk.

Nothing on our website or in our services is legal, financial, tax, accounting, employment, or other regulated professional advice. You are responsible for obtaining independent professional advice appropriate to your circumstances.

4. No Guarantee of Results

We provide consulting, implementation support, strategy, educational content, and related business services. We do not guarantee any particular outcome, including:

• increased revenue or profit;
• increased leads, bookings, or sales;
• improved ad performance or SEO rankings;
• platform approvals or account performance;
• operational efficiency gains;
• business growth; or
• any other commercial result.

Any examples, testimonials, case studies, or past results shared by us are illustrative only and are not promises or guarantees of future performance.

5. Services and Offerings

a. Fixed-Price Consulting and Audit Services

Where we offer fixed-price consulting, audits, strategy sessions, action plans, or similar services online, the description on the applicable sales page, checkout page, proposal, or invoice forms part of the agreement and defines what is included.

Unless otherwise stated, such services are delivered remotely or online.

b. Done-for-You or Custom Services

Custom quoted work, retainers, implementation services, and other bespoke engagements are governed by the applicable signed service agreement, quote, or proposal.

c. Digital Products and Programs

Digital products, templates, workshops, recordings, and online programs are licensed, not sold, to you for your internal business use only, unless we expressly state otherwise in writing.

d. Events and Speaking Engagements

We may offer workshops, webinars, speaking engagements, trainings, or live events. Event details are subject to change. We reserve the right to substitute speakers, reschedule, change format, or cancel an event where reasonably necessary.

If we cancel an event and do not reschedule it, your sole remedy will be a refund of the registration fee actually paid for that event. We are not responsible for travel, accommodation, lost profits, or other incidental or consequential losses.

6. Orders, Bookings, and Acceptance

Your order, booking, or registration is an offer to purchase from us. We may accept or decline that offer at our discretion.

A contract is formed when we accept your order and payment, issue a confirmation, provide access, schedule the service, or otherwise begin performance.

We reserve the right to refuse service, cancel orders, or limit quantities where reasonably necessary, including in cases of pricing errors, suspected fraud, misuse, or legal/compliance concerns.

7. Fees, Payment, and Taxes

All prices are listed in the currency shown on the applicable page, proposal, invoice, or checkout.

You agree to pay all fees, charges, applicable taxes, and payment processing charges identified at checkout or in your invoice.

We may use third-party payment processors, including Stripe or PayPal. Your payment is also subject to the applicable third-party processor’s terms.

If you select a payment plan, you remain responsible for the full amount of the purchase price unless we expressly agree otherwise in writing.

If a payment fails, is reversed, is disputed, or is charged back, we may:

• suspend or terminate your access to services, portals, or deliverables;
• pause work until payment is brought current;
• recover reasonable collection costs, administrative fees, chargeback fees, and legal fees to the extent permitted by law; and
• deny future purchases.

8. Refunds and Cancellations

Except where required by applicable law or expressly stated otherwise in writing, all payments are non-refundable.

Because our services often involve reserved capacity, scheduling, digital delivery, immediate access to materials, and commitment of internal resources, you agree that:

• fees paid for completed services are non-refundable;
• fees paid for digital products, templates, recordings, downloads, and immediately accessible program materials are non-refundable;
• missed calls, unused support, unused sessions, or failure to participate do not entitle you to a refund;
• installment plans are payment arrangements, not subscriptions you may cancel without liability for the remaining balance.

If we choose, in our sole discretion, to offer a courtesy credit, reschedule, or partial refund, that does not waive any of our rights and does not create an ongoing obligation to do so in future cases.

9. Scheduling, Participation, and Client Responsibilities

You are responsible for:

• providing accurate and complete information;
• attending scheduled calls, meetings, or live sessions on time;
• scheduling sessions within any stated service window;
• providing timely approvals, feedback, access, materials, credentials, and decisions;
• implementing recommendations unless implementation is expressly included in your purchase; and
• maintaining your own backups, records, and copies of important materials.

We are not responsible for delays, reduced outcomes, or additional costs caused by your failure to provide timely information, approvals, access, or participation.

10. Access to Portals, Accounts, and Membership Areas

If we provide you with access to a portal, membership area, course library, shared workspace, or account:

• your access is personal to you or, if purchased for a team, limited to the number of users expressly included;
• you must not share login credentials unless your plan expressly permits multi-user access;
• you must keep credentials confidential and notify us promptly of unauthorized access;
• we may suspend or terminate access for misuse, unauthorized sharing, security concerns, or breach of these Terms.

We do not guarantee uninterrupted access to any portal or platform. Access may be affected by maintenance, outages, third-party providers, internet issues, or other circumstances beyond our control.

11. Acceptable Use

You agree not to:

• use our website, portals, or materials for unlawful, fraudulent, abusive, or misleading purposes;
• interfere with or disrupt our systems, security, hosting, or platform functionality;
• copy, scrape, reproduce, republish, sell, sublicense, distribute, or commercially exploit our content except as expressly permitted;
• reverse engineer, decompile, or attempt to extract source materials, workflows, templates, prompts, or systems from our products except as permitted by law;
• share paid materials, recordings, templates, or access credentials with third parties;
• use our materials to create competing products, trainings, templates, or services for sale without our written permission; or
• use our name, brand, testimonials, or content in a misleading or unauthorized manner.

12. Intellectual Property

All content, materials, training assets, frameworks, methodologies, templates, workbooks, graphics, text, videos, recordings, downloads, website content, branding, and other materials we provide are owned by or licensed to Peak Flow OBM and are protected by intellectual property laws.

Except for the limited license granted below, no right, title, or interest is transferred to you.

Subject to full payment and continued compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the purchased materials for your own internal business use only.

You may not copy, modify, distribute, publish, sublicense, resell, or create derivative commercial works from our materials without our prior written consent.

For custom service engagements, ownership and licensing of deliverables may be further governed by the applicable service agreement.

13. Your Content and Data

You retain ownership of the data, content, and materials you provide to us.

You grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, store, transmit, and process your content and data as reasonably necessary to provide the services, operate accounts, fulfill your order, communicate with you, and comply with legal obligations.

You represent and warrant that you have the rights necessary to provide any content, data, images, credentials, or materials you submit to us.

Unless expressly stated in a written service agreement, you are responsible for maintaining your own backups. We are not a backup or archival service.

14. Confidentiality

Each party may receive non-public, confidential, or proprietary information from the other in connection with the services.

Each party agrees to use the other party’s confidential information only as reasonably necessary for the performance of the agreement and not to disclose it to third parties except to personnel, contractors, or professional advisors who need to know it and who are bound by confidentiality obligations.

Confidential information does not include information that:

• is or becomes public through no breach of these Terms;
• was already lawfully known to the receiving party without confidentiality obligations;
• is lawfully received from a third party without breach of confidence; or
• is independently developed without use of the other party’s confidential information.

A party may disclose confidential information where required by law, regulation, court order, or governmental authority.

15. Third-Party Platforms and Services

We may use or recommend third-party platforms, software, processors, hosts, advertising platforms, CRM systems, course platforms, scheduling tools, analytics tools, communication tools, or other service providers.

We do not own or control third-party services and do not guarantee their availability, performance, security, compatibility, compliance, policies, or continued operation.

We are not responsible for outages, account suspensions, content removals, policy changes, algorithm changes, data loss, integrations failing, or other acts or omissions of third-party platforms or providers.

Your use of third-party services is at your own risk and subject to their terms and policies.

16. Recordings, Testimonials, and Media Release

If you attend a live workshop, webinar, training, group session, or event, you acknowledge that the session may be recorded and/or transcribed.

By participating, you grant us the right to record, use, reproduce, publish, distribute, edit, and display your voice, image, likeness, name, comments, and participation in connection with delivering the service and promoting our business, unless you notify us in writing in advance and we agree otherwise.

If you provide us with a testimonial, review, or feedback, you grant us the right to use it, together with your first name, business name, image, or other identifying details you approve or publicly post, for marketing and promotional purposes, unless otherwise agreed in writing.

17. Disclaimers

To the maximum extent permitted by law:

• our website, services, programs, and materials are provided on an “as is” and “as available” basis;
• we disclaim all warranties, representations, and conditions, whether express, implied, statutory, or collateral, including implied warranties or conditions of merchantability, fitness for a particular purpose, title, non-infringement, availability, accuracy, or compatibility;
• we do not warrant that our website, portals, communications, downloads, or materials will be uninterrupted, secure, error-free, or free from viruses or other harmful code.

Some jurisdictions do not allow certain exclusions of implied warranties, so some of the above may not apply to you to the extent prohibited by law.

18. Limitation of Liability

To the fullest extent permitted by law, Peak Flow OBM and its directors, officers, employees, contractors, affiliates, licensors, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business opportunity, goodwill, anticipated savings, data, or reputation, arising out of or related to your use of the website, products, or services, even if advised of the possibility of such damages.

To the fullest extent permitted by law, our total aggregate liability arising out of or relating to any claim, purchase, service, or set of related claims will not exceed the total amount actually paid by you to us for the specific product or service giving rise to the claim in the twelve (12) months preceding the event giving rise to liability.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud, willful misconduct, or any other liability that the law does not permit us to exclude.

19. Indemnity

You agree to indemnify, defend, and hold harmless Peak Flow OBM and its directors, officers, employees, contractors, affiliates, licensors, and agents from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable legal fees, arising from or related to:

• your breach of these Terms;
• your misuse of the website, portals, services, or materials;
• your violation of any law or third-party rights; or
• content, data, credentials, or materials you provide to us.

20. Suspension and Termination

We may suspend or terminate your access to the website, services, portals, or materials immediately if:

• you breach these Terms;
• you fail to make payment when due;
• we reasonably suspect fraud, misuse, unlawful conduct, or security concerns; or
• we are required to do so for legal, regulatory, platform, or operational reasons.

Termination does not affect accrued rights, payment obligations, intellectual property protections, confidentiality obligations, indemnities, or limitations of liability.

Where we terminate a paid service without cause before it has been fully delivered, we may, at our discretion, provide a prorated refund for the undelivered portion, unless a separate written agreement states otherwise.

21. Privacy

Your use of the website and our services is also subject to our Privacy Policy and, where applicable, our Cookie Policy. Those policies explain how we collect, use, store, and disclose personal information.

22. Electronic Communications and Signatures

You consent to receiving communications from us electronically, including by email, portal notice, invoice, or website posting.

Where permitted by law, electronic acceptance, electronic signatures, and click-through assent will have the same legal effect as original handwritten signatures.

23. International Users

We serve clients worldwide, but we operate from British Columbia, Canada. You are responsible for ensuring that your use of our website and services complies with the laws applicable to you in your jurisdiction.

Where mandatory consumer protection or other local laws apply and cannot be excluded by contract, nothing in these Terms limits your rights under those laws to the extent they legally apply.

24. Governing Law and Jurisdiction

These Terms and any dispute arising out of or relating to them, the website, or any products or services provided by us are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable in British Columbia, without regard to conflict of law rules.

You irrevocably attorn to the exclusive jurisdiction of the courts of British Columbia, Canada, for any dispute that is not required to be resolved elsewhere by mandatory law.

25. Force Majeure

We are not liable for any delay, interruption, or failure to perform resulting from causes beyond our reasonable control, including acts of God, internet or telecommunications failures, cyber incidents, labour disruptions, illness, governmental action, epidemics, platform outages, supply interruptions, or failures of third-party services.

26. Changes to These Terms

We may update these Terms from time to time by posting a revised version on our website. The updated version is effective as of the “Last Updated” date shown above.

If you purchase a product or service, the version in effect at the time of your purchase will apply to that purchase unless we notify you otherwise and you agree to the change.

27. General

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remainder will continue in full force and effect.

Our failure to enforce any provision is not a waiver of that provision or any other right.

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a corporate reorganization, merger, sale, or transfer of assets.

These Terms, together with any applicable order page, checkout page, invoice, proposal, service agreement, Privacy Policy, and any documents expressly incorporated by reference, form the entire agreement between you and Peak Flow OBM regarding the subject matter they address.

28. Contact

If you have questions about these Terms, please contact:

Peak Flow Online Business Management Inc.
Box 401 – Suite 230 
1210 Summit Drive
KAMLOOPS, BC
V2C 6M1
hello@peakflowobm.com