Last Updated: October 2025
Welcome to VitaIQ | Law | Monitor ("VitaLaw Monitor," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our FINTRAC compliance monitoring service, website, and related services (collectively, the "Service").
By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.
VitaLaw Monitor provides automated monitoring of FINTRAC (Financial Transactions and Reports Analysis Centre of Canada) enforcement actions, regulatory updates, and penalty announcements for Canadian businesses, including:
Important Disclaimer: VitaLaw Monitor is an enforcement intelligence platform, NOT legal advice or compliance consulting. Our Service does not replace consultation with qualified legal or compliance professionals. We provide information and analysis based on publicly available FINTRAC data, but we are not responsible for your compliance decisions or outcomes.
To use the Service, you must:
You are responsible for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.
3.1 Plans: We offer multiple subscription tiers (Starter, Professional, Enterprise) as described on our Pricing page. Plan features and pricing are subject to change with 30 days' notice to existing subscribers.
3.2 Billing: Subscriptions are billed monthly or annually in advance. Payment is due at the start of each billing period. We accept major credit cards and may offer invoicing for Enterprise customers.
3.3 Auto-Renewal: Your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. You authorize us to charge your payment method for renewal fees.
3.4 Price Changes: We may change our pricing with 30 days' notice. Price changes will take effect at your next renewal date. Continued use of the Service after a price change constitutes your acceptance of the new pricing.
3.5 Taxes: All fees are exclusive of applicable taxes (GST/HST, PST, QST). You are responsible for paying all applicable taxes.
4.1 Cancellation: You may cancel your subscription at any time through your account settings or by contacting us at support@vitaiq.ca. Cancellations take effect at the end of your current billing period.
4.2 Refunds: See our Refund Policy for detailed information about refunds.
4.3 No Partial Refunds: We do not provide pro-rated refunds for partial billing periods, except as required by law or as specified in our Refund Policy.
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree NOT to:
We reserve the right to suspend or terminate your account if we determine, in our sole discretion, that you have violated these acceptable use terms.
6.1 Our IP: The Service, including all content, features, functionality, software, and technology, is owned by VitaIQ or our licensors and is protected by Canadian and international copyright, trademark, and other intellectual property laws.
6.2 Your Data: You retain ownership of any data you provide to the Service (e.g., your website URLs, contact information). By using the Service, you grant us a limited license to use your data solely to provide the Service to you.
6.3 Feedback: If you provide us with feedback, suggestions, or ideas about the Service, you grant us a perpetual, worldwide, royalty-free license to use such feedback without any obligation to you.
Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to our Privacy Policy.
We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable Canadian privacy laws.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
No Legal Advice: VitaLaw Monitor does not provide legal, compliance, or professional advice. The information provided by our Service is for informational purposes only and should not be relied upon as a substitute for consultation with qualified professionals.
No Guarantee of Compliance: We do not guarantee that use of our Service will ensure FINTRAC compliance or prevent regulatory penalties. Compliance is your responsibility.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, VITAIQ, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:
IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR $100 CAD, WHICHEVER IS GREATER.
Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages, so some of the above limitations may not apply to you.
You agree to indemnify, defend, and hold harmless VitaIQ and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of:
We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.
We may update these Terms from time to time. We will notify you of material changes by email or by posting a notice on our website at least 30 days before the changes take effect. Your continued use of the Service after changes become effective constitutes your acceptance of the revised Terms.
13.1 Termination by You: You may terminate your account at any time by canceling your subscription.
13.2 Termination by Us: We may suspend or terminate your account immediately if:
13.3 Effect of Termination: Upon termination, your right to use the Service will cease immediately. We may delete your account data after termination, subject to legal retention requirements.
14.1 Governing Law: These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.
14.2 Jurisdiction: You agree to submit to the exclusive jurisdiction of the courts located in Toronto, Ontario for resolution of any disputes.
14.3 Informal Resolution: Before filing a lawsuit, you agree to first contact us at legal@vitaiq.ca to attempt to resolve the dispute informally.
15.1 Entire Agreement: These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and VitaIQ regarding the Service.
15.2 Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
15.3 Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision.
15.4 Assignment: You may not assign or transfer these Terms or your account without our written consent. We may assign these Terms without restriction.
15.5 Force Majeure: We are not liable for any failure to perform our obligations due to events beyond our reasonable control (e.g., natural disasters, government actions, internet outages).
If you have questions about these Terms, please contact us:
VitaIQ | Law | Monitor
1110 Finch Ave W
Toronto, ON
Email: legal@vitaiq.ca
Support: support@vitaiq.ca
Website: https://vitalaw.app
By using VitaLaw Monitor, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.