Terms, Privacy & Disclaimers

Section 1

Terms of Service

Effective Date: May 1, 2026

Welcome to YNL Group Inc and, by extension, our Business Services Division. By accessing or using our website and services, you agree to these Terms of Service.

1. Services

We provide outsourced business support services including:

• Bookkeeping support
• Payroll administration
• Administrative services
• HR administration support
• Financial reporting support
• Accounts Payables and Receivables support
• Back-office operational assistance

Services are subject to separate client agreements and Statements of Work.

2. No Professional Legal or Investment Advice

YNL Group Inc: Business Services:

• is not a law firm
• is not an investment advisory firm
• does not provide legal advice
• does not provide securities or investment advice
• does not provide licensed audit or assurance services unless explicitly stated in writing by a licensed professional

Clients should consult qualified legal, tax, investment, or accounting professionals where appropriate.

3. Client Responsibilities

Clients are responsible for:

• providing accurate and complete information
• reviewing payroll and financial reports
• approving submissions before processing
• complying with applicable laws and regulations

We are not responsible for errors caused by incomplete, inaccurate, or delayed information provided by clients.

4. Confidentiality

We take commercially reasonable measures to protect confidential information and personal data in accordance with applicable Canadian privacy laws.

5. Intellectual Property

All website content, branding, logos, templates, systems, and materials remain the property of YNL Group Inc. unless otherwise agreed in writing.

6. Limitation of Liability

To the fullest extent permitted by law, YNL Group Inc. shall not be liable for:

• indirect damages
• consequential damages
• lost profits
• lost business opportunities
• penalties or fines arising from inaccurate client-provided information
• system outages or third-party software failures

Our total liability relating to any claim shall not exceed the fees paid by the client for services during the preceding three (3) months.

7. Third-Party Software

We may use third-party platforms including payroll, bookkeeping, cloud storage, communication, and accounting software. We are not responsible for outages, failures, or security incidents originating from third-party providers.

8. Termination

We reserve the right to suspend or terminate services where:

• clients breach agreements
• unlawful activity is suspected
• payment obligations are not met

9. Governing Law

These Terms are governed by the laws of the Province of Ontario and the laws of Canada applicable therein.

10. Contact

For questions regarding these Terms, contact:

YNL Group Inc.
contact@ynlgroup.ca
705-333-8315

Section 2

Privacy Policy

Effective Date: May 1, 2026

YNL Group Inc. respects your privacy and is committed to protecting personal information in accordance with Canadian privacy laws, including PIPEDA where applicable.

1. Information We Collect

We may collect:

• names
• email addresses
• phone numbers
• company information
• payroll and employee information
• financial information
• government identification numbers where required
• website usage data

2. How We Use Information

We use information to:

• provide services
• process payroll
• communicate with clients
• maintain records
• comply with legal obligations
• improve our services

3. Confidentiality & Security

We implement reasonable administrative, technical, and physical safeguards to protect personal information from unauthorized access, disclosure, or misuse.

4. Sharing Information

We may share information with:

• payroll providers
• cloud software vendors
• accountants
• government authorities where legally required
• authorized contractors performing services on our behalf

We do not sell personal information.

5. Data Retention

We retain information only as long as necessary for business, legal, tax, and regulatory purposes.

6. Cookies & Analytics

Our website may use cookies and analytics tools to improve user experience and website performance.

7. Access & Correction Requests

Individuals may request access to or correction of their personal information by contacting us.

8. Contact Information

Privacy inquiries may be directed to:

Yanique Hemmings
YNL Group Inc.
y.hemmings@ynlgroup.ca

Section 3

Cookie Policy

Effective Date: May 1, 2026

Our website uses cookies and similar technologies to:

• improve website functionality
• analyze traffic
• enhance user experience
• support security features

Types of Cookies We May Use

• Essential cookies
• Performance cookies
• Analytics cookies
• Functional cookies

Users may disable cookies through browser settings; however, some website features may not function properly. By continuing to use our website, you consent to the use of cookies unless disabled in your browser.

Section 4

Website Disclaimer

The information provided on this website is for general informational purposes only and should not be considered legal, tax, investment, accounting, or financial advice.

While we strive for accuracy, YNL Group Inc. makes no guarantees regarding:

• completeness
• accuracy
• reliability
• suitability of information

Use of this website and our services is at your own risk.

YNL Group Inc:

• is not a law firm
• is not an investment advisory firm
• does not provide legal representation
• does not perform licensed audit or assurance services unless specifically stated

Professional advice should always be obtained from appropriately licensed professionals.

Section 5

Limitation of Liability

To the fullest extent permitted by law:

YNL Group Inc. shall not be liable for:

• indirect or consequential losses
• lost profits
• business interruption
• penalties, fines, or tax assessments
• data loss
• third-party software failures
• cybersecurity incidents beyond reasonable control

Clients acknowledge that:

• bookkeeping and payroll services rely on information supplied by the client
• the client remains responsible for final review and approval
• government filing deadlines and compliance obligations ultimately remain the responsibility of the client

Any liability of YNL Group Inc. shall be limited to the fees paid for services during the prior three (3) months.

Section 6

Security Statement

“We use secure cloud-based systems, access controls, and confidentiality procedures designed to protect client information.”

Section 7

Professional Status Clarification

YNL Group Inc. Business Services division provides administrative, bookkeeping, payroll, and operational support services. We do not provide legal advice, investment advice, or licensed public audit services unless specifically engaged through appropriately licensed professionals.