These Terms of Service ("Terms") form a binding agreement between you ("you," "the client") and Sam Rifaat ("I," "me," "we," or "us") and govern your use of samrifaat.com (the "Site") and any coaching, consulting, keynote speaking, or advisory services (the "Services"). By using the Site, submitting the contact form, or engaging the Services, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, please do not use the Site or the Services.
The Services are advisory, educational, and consulting in nature. They provide guidance, direction, coordination, information, and support so you can make your own informed decisions. Engaging the Services does not create a partnership, joint venture, employment, agency, or fiduciary relationship, and does not make us responsible for operating, managing, or guaranteeing your business. You remain solely responsible for your own decisions and actions.
All packages and Services are advisory and consulting-based. Results depend on your business, effort, execution, market conditions, budget, timing, and many other factors outside our control. We make no promise or guarantee of any specific outcome — including any ranking, traffic, lead, sale, revenue, profit, valuation, funding or loan approval, permit or licensing approval, franchise sale, or business success. Any examples or figures mentioned are illustrative and not a promise that you will achieve the same.
The Services are not legal, accounting, tax, financial, investment, immigration, insurance, engineering, architectural, or real-estate advice, and do not replace advice from an appropriately licensed professional. Matters such as incorporation, contracts, franchise disclosure documents, tax filings, permits, zoning, construction, and financing should be reviewed by qualified, licensed professionals.
Prices shown on the Site are starting points, are subject to change, and may be customized to the scope of your engagement. Unless expressly stated otherwise, prices exclude taxes, government or city fees, domain and hosting fees, software subscriptions, advertising budgets, legal or accounting fees, permit fees, architect, contractor, or equipment costs, printing costs, and any other third-party expenses, all of which are your responsibility.
Prices are displayed in Canadian dollars (CAD) for visitors located in Canada and in U.S. dollars (USD) for visitors located elsewhere. Clients outside Canada are billed in U.S. dollars. Canadian clients pay applicable sales tax (HST or PST, as applicable to their province). A 3% processing surcharge applies to all payments made by credit card, regardless of the card type or the country in which the card is issued, and is added on top of the fees and any applicable taxes. The final amount, currency, taxes, and surcharges are confirmed on your invoice, which prevails over any figure shown on the Site.
Unless otherwise agreed in writing, fees (or an agreed deposit) are payable before work begins, and any balance is payable as set out in your invoice or engagement summary. Monthly advisory subscriptions are billed in advance on a recurring basis until cancelled in accordance with your plan. Work may be paused or suspended if payment is overdue.
All fees are non-refundable. Because the Services involve reserved time, preparation, and advice delivered to you, we do not provide refunds once a package or subscription has been purchased or a session has taken place. If you feel something needs to be adjusted, corrected, or clarified, we will address it within the Services — for example through additional guidance during your included calls, meetings, or messaging, or by reasonably reworking deliverables that fall within the agreed scope — rather than by way of a refund. Any such adjustment is provided as a replacement or continuation of service, not as a monetary refund. Unused calls, meetings, or time within a package or period are not redeemable for cash and expire at the end of the stated package period unless we agree otherwise in writing.
You agree to provide accurate and complete information, to participate in scheduled sessions, to review recommendations, and to make and implement your own business decisions. You are responsible for your compliance with all applicable laws and for any agreements you enter into with third parties. You confirm that you have the authority to enter into these Terms and, if acting for a company, to bind that company.
Sessions are scheduled by mutual agreement. The number, length, and validity period of calls, meetings, and messaging are described in each package. Response times depend on availability, with urgent matters prioritized where reasonably possible. Missed or late-cancelled sessions may be treated as delivered.
Each party agrees to keep the other's non-public information confidential and to use it only for the purpose of the engagement, except where disclosure is required by law or is already public.
All content on the Site, and any frameworks, templates, or materials we provide, remain our intellectual property unless expressly assigned to you in writing. You receive a limited, non-exclusive right to use materials created specifically for your engagement for your own business purposes. You may not resell, republish, or redistribute our materials without written permission.
You understand that business involves risk, including the risk of financial loss, and that you assume full responsibility for your decisions and actions. The Site and the Services are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement, to the fullest extent permitted by law.
To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunity, arising out of or relating to the Site or the Services, even if advised of the possibility of such damages. To the fullest extent permitted by law, our total aggregate liability for any and all claims will not exceed the amount you actually paid to us for the specific Service giving rise to the claim in the three (3) months preceding the event that gave rise to the claim.
You agree to defend, indemnify, and hold harmless Sam Rifaat and his affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or connected with your business, your use of the Site or the Services, your decisions or actions, your content, or your breach of these Terms or of any law or third-party right.
Both parties agree to act in good faith and to work together to resolve any concern, claim, or dispute amicably through direct, mutual discussion first. If a concern arises, you agree to raise it with us in writing and to allow a reasonable period (at least thirty (30) days) for us to resolve it together before taking any other step.
If the matter is not resolved through good-faith discussion, the parties agree that any remaining dispute will be resolved exclusively by final and binding private arbitration by a single mutually agreed arbitrator in Toronto, Ontario, on a confidential, individual basis. To the fullest extent permitted by law, both parties waive the right to commence or participate in any court action, jury trial, or class, collective, or representative proceeding relating to the Site or the Services. Nothing in this section prevents either party from seeking urgent injunctive relief to protect confidential information or intellectual property, or from pursuing amounts genuinely owed. Any claim must be brought within one (1) year of the event giving rise to it, or it is permanently waived to the extent permitted by law.
These Terms are governed by the laws of the Province of Ontario and the applicable federal laws of Canada, without regard to conflict-of-law principles. Subject to Section 14, the courts located in Ontario have jurisdiction.
We may update these Terms from time to time. The "Last updated" date reflects the latest version, and continued use of the Site or the Services after changes are posted constitutes acceptance of the updated Terms.
If any provision of these Terms is found to be unenforceable, the remaining provisions remain in full force, and the unenforceable provision will be applied to the maximum extent permitted. These Terms, together with the Privacy Policy and any written engagement summary or invoice, constitute the entire agreement between the parties and supersede any prior discussions.
Questions about these Terms? Please reach out through the contact section on our website — go to the Contact page and send your request there.
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