Legal & Privacy

📄 TERMS & CONDITIONS

Effective Date: May 25, 2026 | Last Updated: May 25, 2026

1. Acceptance of Terms

By accessing or using xldashly.com (the "Website"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree with any part of these Terms, please do not use this Website.

These Terms apply to all visitors, users, and clients who access or use any services offered through this Website.

2. About the Services

Xldashly, operated by Aliza Fatima Naqvi ("we," "us," or "our"), provides professional advisory services including:

• Financial modelling – custom investor-ready financial models
• Pitch decks – professionally designed investor presentations
• Business plans – comprehensive business strategy documents
• Investor-readiness advisory – consulting services for startups and business owners preparing for funding rounds

3. No Financial or Investment Advice

The content on this Website and all deliverables provided are for informational and business planning purposes only. Nothing on this Website constitutes:

• Investment advice
• Legal advice
• Accounting advice
• A guarantee of funding success or investment outcomes

You should consult a licensed financial advisor, lawyer, or accountant before making any financial or investment decisions. Past performance projections in financial models do not guarantee future results.

4. Engagement & Payment

• All service engagements begin with a written agreement (proposal, scope of work, or invoice).
• Payment terms are outlined in individual client agreements.
• Fees are non-refundable once work has commenced, unless otherwise agreed in writing.
• Xldashly reserves the right to suspend or terminate work if payment obligations are not met.

5. Intellectual Property

• All content on this Website — including text, graphics, models, templates, and designs — is the intellectual property of Xldashly / Aliza Fatima Naqvi and is protected under applicable Canadian and international copyright laws.
• Upon full payment, clients receive a licence to use their deliverables for their own business purposes. Resale, redistribution, or commercial licensing of deliverables to third parties without written consent is prohibited.
• You may not copy, reproduce, or repurpose any Website content without prior written permission.

6. Client Responsibilities

Clients agree to:

• Provide accurate, complete, and timely information required for the engagement.
• Review all deliverables promptly and provide feedback within agreed timelines.
• Not use deliverables for any fraudulent, misleading, or unlawful purpose.

Xldashly is not liable for inaccuracies in deliverables resulting from incorrect or incomplete information provided by the client.

7. Limitation of Liability

To the fullest extent permitted by applicable law:

• Xldashly shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this Website or our services.
• Our total liability to any client shall not exceed the total fees paid by that client for the specific engagement giving rise to the claim.
• We make no warranties, express or implied, regarding funding success, investor interest, or business outcomes.

8. Third-Party Links

This Website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of any third-party sites and encourage you to review their terms and privacy policies.

9. Governing Law & Jurisdiction

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes shall be resolved in the courts of York Region, Ontario, Canada.

10. Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the Website after changes constitutes acceptance of the updated Terms.

11. Contact

For questions about these Terms, contact:
Aliza Fatima Naqvi — Xldashly
📍 Maple, Ontario, Canada
🌐 xldashly.com

🔐 PRIVACY POLICY

Effective Date: May 25, 2026 | Last Updated: May 25, 2026

1. Overview

Xldashly ("we," "us," "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit xldashly.com or engage our services.

This policy complies with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario privacy laws.

2. Information We Collect

a) Information You Provide:

• Name, email address, phone number
• Company name and business details
• Financial information shared for the purpose of creating models or plans
• Any other information submitted via contact forms or direct communication

b) Information Collected Automatically:

• IP address and browser type
• Pages visited and time spent on the site
• Referring URLs
• Device and operating system information

c) Communications:

• Emails, messages, and meeting notes exchanged during an engagement

3. How We Use Your Information

We use your information to:

• Respond to inquiries and provide requested services
• Create and deliver financial models, pitch decks, and business plans
• Send engagement updates, invoices, and project communications
• Improve our Website and service quality
• Comply with legal and regulatory obligations

We do not sell, rent, or trade your personal information to third parties.

4. Disclosure of Information

We may share your information with:

• Service providers (e.g., email platforms, scheduling tools, cloud storage) under confidentiality agreements
• Legal authorities if required by law or to protect our rights
• Professional advisors (accountants, lawyers) bound by confidentiality obligations

Client financial data and business information is treated as strictly confidential and is never shared without explicit consent.

5. Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, or as required by law — typically 5–7 years for business records under Canadian tax and corporate law.

6. Your Rights (PIPEDA)

Under PIPEDA, you have the right to:

• Access the personal information we hold about you
• Request corrections to inaccurate data
• Withdraw consent for non-essential communications
• Request deletion of your data, subject to legal retention obligations

To exercise these rights, contact us at the address below.

7. Data Security

We implement industry-standard technical and organizational measures to protect your data, including encrypted communications and secure cloud storage. However, no method of transmission over the internet is 100% secure.

8. Children's Privacy

Our Website and services are intended for individuals 18 years of age or older. We do not knowingly collect personal information from minors.

9. Contact

For privacy-related inquiries:
Aliza Fatima Naqvi — Xldashly
📍 Maple, Ontario, Canada
🌐 xldashly.com

🍪 COOKIE POLICY

Effective Date: May 25, 2026 | Last Updated: May 25, 2026

1. What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They help websites function properly, improve user experience, and collect analytics data.

2. Cookies We Use

3. Third-Party Cookies

Our Website uses third-party tools that may set their own cookies, including:

• Chat/CRM widget (for visitor engagement and lead capture)
• Analytics tools (for website performance monitoring)

These third parties have their own privacy and cookie policies.

4. Managing Cookies

You can control and delete cookies through your browser settings. Note that disabling certain cookies may affect the functionality of this Website. Most browsers allow you to:

• View cookies stored on your device
• Delete all or specific cookies
• Block cookies from specific or all websites

5. Changes to This Policy

We may update this Cookie Policy periodically. Updates will be posted on this page.

⚠️ DISCLAIMER

Effective Date: May 25, 2026

Professional Disclaimer

The services and content provided by Xldashly are for business planning and informational purposes only. While we strive for accuracy and quality in all deliverables:

• No guarantee of funding — Financial models, pitch decks, and business plans do not guarantee investment, loans, or any form of funding.
• Projections are estimates — All financial projections are based on assumptions and are not predictions of actual future performance.
• Not a substitute for licensed advice — Our services do not replace advice from licensed financial advisors, lawyers, or certified accountants. Always seek qualified professional advice for investment and legal decisions.
• Market conditions — Business outcomes depend on many factors outside our control, including market conditions, investor sentiment, and execution.

Website Disclaimer

• Content on this Website is provided "as is" without warranties of any kind.
• We reserve the right to modify, update, or remove content at any time without notice.
• We are not responsible for any loss or damage resulting from reliance on information found on this Website.