1. Acceptance of Terms
By accessing, browsing, or using this website ("Site"), you acknowledge that you have read, understood, and agreed to be bound by these Terms & Conditions ("Terms"). If you do not agree, you must discontinue use immediately.
These Terms constitute a binding legal agreement between you ("User") and Federico A Cetraro Consulting Services ("Provider", "we", "us"), a sole proprietorship registered in Nova Scotia, Canada, operated by Federico Cetraro.
Acceptance of these Terms occurs upon: (a) accessing the Site, (b) submitting a payment, or (c) booking or attending a session.
2. Definitions
- Sessions: Live video consultations (45 minutes each) booked via online scheduling system
- Async Packages: Email-based deliverables (Pitch Your Idea, Code Review)
- Package Code: Unique identifier (PKG-XXXX format) issued after payment confirmation
- Price Lock: Guaranteed cryptocurrency conversion rate (1-hour window from payment initiation)
3. Nature of Services
Informational Only: All services are strictly informational and educational. They do NOT constitute:
- Legal, financial, tax, or accounting advice
- Medical or psychological counseling
- Professional certifications or endorsements
- Employment, consulting, or fiduciary relationships
The Provider is not a licensed professional unless explicitly stated in writing for a specific domain.
3A. Employment Independence and Information Sources
3A.1 Independence from Full-Time Employment: All services provided through this website are offered by Federico A Cetraro Consulting Services, a sole proprietorship operated by Federico Cetraro in his personal capacity, entirely independent of and unrelated to any full-time employment, past or present. Sessions and deliverables are conducted outside regular business hours using only personal resources and equipment.
3A.2 No Employer Affiliation:
- No employer affiliation, association, endorsement, or authorization is implied or exists
- Services are not connected to, sponsored by, or representative of any current or former employer
- No employer name, brand, reputation, or credentials are used in connection with these services
- Provider acts solely in personal capacity as an individual, not as a representative of any organization
3A.3 Information Sources: All information, advice, frameworks, and methodologies are based exclusively on publicly available information, general industry knowledge, personal research, and Provider's own original thinking. No proprietary information, confidential data, trade secrets, methodologies, tools, frameworks, client information, or other intellectual property from any current or former employer is used, referenced, or disclosed.
3A.4 Equipment and Resources: All services delivered using exclusively personal equipment (computer, devices, internet), personal software licenses, personal workspace (home office), and personal time (evenings and weekends, outside standard business hours).
3A.5 Client Screening: Provider maintains strict protocols to avoid conflicts of interest with any employment obligations. Clients may be asked to disclose their current business service providers. Provider reserves the right to decline service to any individual or organization where a conflict of interest may exist, without explanation.
4. No Guarantees
No specific results, improvements, ROI, or outcomes are guaranteed. All examples, case studies, or testimonials are illustrative only and do not predict your results.
5. User Responsibility
You remain solely responsible for:
- All decisions and actions based on information received
- Independent verification of information
- Consulting licensed professionals before material decisions
- Compliance with applicable laws and regulations
6. Package Offerings
6.1 Community Package (Free): Eligibility limited to individuals from underrepresented communities (LGBTQ+, minority, first nations, etc.). Discretionary approval required. Provider reserves the right to request verification and deny access without explanation.
6.2 Student / Startup Package (Free): Eligibility limited to current students or early-stage startup founders. Soft verification required (email domain, explanation). Misrepresentation may result in immediate revocation.
6.3 Pitch Your Idea ($10 CAD): Async email response (~200 words) within 24 hours. Card payment only. No revisions, follow-ups, or refunds.
6.4 Code Review ($150 CAD): One-hour comprehensive code or project review delivered via email within 3 days. Payment via card, bank transfer, or cryptocurrency. No revisions after delivery.
6.5 Sessions (From $75 CAD): Live 45-minute video sessions booked via online scheduling system. Quantity: 1-10 sessions. Volume discounts: 3 sessions ($160, save $65), 5 sessions ($300, save $75). Payment via card, bank transfer, or cryptocurrency. Valid for 90 days from payment confirmation.
7. Payment Terms
7.1 Accepted Payment Methods:
- Card Payments: All packages. Accepts credit/debit cards, Apple Pay, Google Pay.
- Bank Transfers: Sessions and Code Review only. International transfers accepted.
- Cryptocurrency: Sessions and Code Review only. Litecoin (LTC) and Monero (XMR).
7.2 Pricing and Currency: All prices listed in Canadian Dollars (CAD). Cryptocurrency conversions calculated at time of payment initiation.
7.3 Cryptocurrency Payment Terms:
- Price Lock: Cryptocurrency amounts are locked for 1 hour from payment initiation. After 1 hour, prices must be recalculated.
- Monero (XMR) Discount: XMR payments receive an automatic 20% discount from the CAD price.
- Conversion Rate: CAD prices converted to USD using a fixed rate, then to crypto using live market rates.
- Irreversibility: Cryptocurrency transactions are irreversible. Sending to wrong address or incorrect amount cannot be recovered.
- Confirmation: Payments confirmed manually after blockchain verification. Allow 24-72 hours for confirmation.
7.4 Bank Transfer Terms: Transfer to provided bank details using reference code. Confirmation within 24 hours of transfer. Price locked for 24 hours.
7.5 Failed Payments: Insufficient funds, declined cards, or incorrect transfers may result in payment cancellation. No automatic refunds—contact notifications@cetraro.solutions to resolve.
8. Booking and Scheduling
8.1 Sessions Booking: Upon payment confirmation, you will receive a online scheduling system booking link. You are responsible for scheduling sessions within the 90-day expiration window. Unused sessions expire without refund.
8.2 Cancellations and Rescheduling: Cancel or reschedule via online scheduling system at least 24 hours before your session. Late cancellations (<24 hours) or no-shows count as completed sessions.
8.3 Provider Cancellations: If Provider cancels, session credit is restored to your package. If all sessions are exhausted due to Provider cancellations, a prorated refund may be issued at Provider's discretion.
9. Async Deliverables
Pitch and Code Review packages delivered via email within stated timelines (24 hours / 3 days). Delays beyond control (email delivery issues, force majeure) do not entitle refunds. No revisions, follow-ups, or live calls included.
9A. Force Majeure
Provider shall not be liable for any failure or delay in performance due to circumstances beyond reasonable control, including but not limited to: acts of God, natural disasters, internet outages, power failures, government actions, public health emergencies, or other unforeseen events. In such cases, delivery timelines may be extended without penalty, or affected services may be rescheduled to a mutually agreed time.
10. Refund Policy (NO REFUNDS)
All sales are final. No refunds for:
- Change of mind
- Unused sessions (expired or otherwise)
- Dissatisfaction with content or advice
- Async deliverables after email sent
- Cryptocurrency price fluctuations
- Payment processing fees or transaction fees
Exceptions: Refunds issued only for technical errors preventing service delivery (e.g., Provider unavailability, system failure). Refunds processed via original payment method minus transaction fees.
11. Chargebacks
Initiating a chargeback constitutes breach of these Terms. Provider will contest chargebacks with evidence of service delivery. Fraudulent chargebacks may result in legal action and debt collection.
12. Intellectual Property
All content, advice, materials, and deliverables remain the intellectual property of the Provider unless explicitly licensed otherwise. You may use information for personal, non-commercial purposes only.
13. Confidentiality
Sessions and async communications are confidential. Provider will not disclose your information except as required by law or with your explicit consent.
14. Privacy and Data Protection
Data Collection: We collect minimal personal information:
- Email address (required for service delivery and support)
- First name (optional, for personalization)
- Payment transaction records (required by law for tax compliance)
- Package usage data (sessions used/remaining)
Data We DO NOT Collect or Retain:
- Full legal names (anonymized after service delivery if provided)
- Session recordings (we do not record sessions)
- Pitch/code review submissions (deleted after delivery unless explicit consent provided for testimonials)
- Payment card details (processed by third-party payment providers, never stored by us)
Data Retention: Payment transaction records retained for 7 years for tax/legal compliance (Canada Revenue Agency requirement). Email addresses retained for ongoing support. You may request data deletion by contacting notifications@cetraro.solutions, subject to legal retention requirements.
Data Storage: All data stored securely using industry-standard cloud infrastructure. Email communications managed via secure email service providers. We do not sell or share data with third parties except payment processors.
15. Third-Party Services
This Site uses third-party services that operate independently:
- Payment Processors: Card and bank transfer payments processed by third-party payment providers. Subject to their respective terms of service.
- Scheduling System: Session booking managed via third-party calendar service. Subject to their terms of service.
- Cryptocurrency Networks: LTC/XMR blockchain transactions. Provider not responsible for network delays, fees, or failures.
- Market Data Providers: Cryptocurrency pricing obtained from third-party data sources. No affiliation; data accuracy not guaranteed.
Provider is not responsible for failures, errors, or disputes arising from third-party services. Contact the respective provider for support.
16. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- Provider disclaims all warranties, express or implied
- Provider not liable for indirect, incidental, consequential, or punitive damages
- Total liability capped at amount paid by User for the specific service
- Provider not liable for third-party service failures
17. Indemnification
You agree to indemnify and hold harmless the Provider from claims, damages, or expenses arising from: (a) your use of information or services, (b) breach of these Terms, (c) violation of third-party rights, or (d) fraudulent chargebacks.
18. Governing Law and Jurisdiction
Governing Law: These Terms are governed by the laws of Nova Scotia, Canada, without regard to conflict of law principles.
Remote Services: All services are provided remotely via digital means (video calls, email). The Provider operates from Nova Scotia, Canada and offers services globally. By using this Site, you acknowledge that services are delivered remotely and you consent to Nova Scotia jurisdiction regardless of your physical location.
International Users: If your local laws conflict with these Terms or prohibit you from agreeing to Nova Scotia jurisdiction, do not use the Site. You are responsible for ensuring compliance with your local laws.
19. Dispute Resolution
Any disputes shall be resolved through binding arbitration in Nova Scotia, Canada, under the rules of the ADR Institute of Canada or a mutually agreed arbitrator. Before initiating arbitration, parties must attempt good-faith negotiation for 30 days. Arbitration costs borne by initiating party unless arbitrator rules otherwise.
20. Modification of Terms
Provider reserves the right to modify these Terms at any time. Changes effective immediately upon posting. Continued use constitutes acceptance. Material changes will be communicated via email.
21. Severability
If any provision is found unenforceable, remaining provisions remain in full effect.
22. Entire Agreement
These Terms constitute the entire agreement between User and Provider, superseding all prior agreements or communications.
23. Accessibility
We are committed to making our services accessible to all users. If you experience any difficulty accessing our website or services due to a disability or technical limitation, please contact us at notifications@cetraro.solutions and we will work with you to provide the information or service you need through an alternative method.
24. Electronic Communications
By using this Site, you consent to receive electronic communications from us, including emails about your bookings, payment confirmations, package codes, and service updates. These electronic communications satisfy any legal requirement that such communications be in writing. You may opt out of non-essential communications by contacting us, but note that opting out of service-related emails will prevent us from delivering services to you.
25. Contact Information
For questions regarding these Terms, contact: notifications@cetraro.solutions
26. Acknowledgment
By clicking "I Understand and Agree" or by using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.
