Privacy Policy

Last Updated: April 2026

This website, Richard's Money Thoughts, is owned and operated by Klaregen Technologies Inc. By accessing or using this Site, you acknowledge that you have read, understood, and agreed to be bound by this Privacy Policy.

At Richard's Money Thoughts, we adhere to a privacy-first standard. This Site is provided by Klaregen Technologies Inc. ("the Company") for informational purposes and does not engage in proactive data harvesting.

1. Consent to Terms & Corporate Operation

Your continued use of this Site constitutes your implicit and binding consent to this Privacy Policy. You acknowledge that all content and services are provided solely by Klaregen Technologies Inc. and you expressly agree that any legal claims shall be directed exclusively toward the Company. You hereby waive any and all rights to seek personal liability against individual officers, directors, or founders.

2. Data Collection Practices

The Company does not require user registration or the submission of personal identifiers to access the Site. We do not maintain internal databases for tracking individual visitor identities.

3. Third-Party Advertising & Cookies

The Company may display advertisements via third-party vendors (such as Google AdSense). These vendors use cookies to serve ads based on your visits to this or other websites.

You may opt out of personalized advertising by visiting your browser's Ad Settings or via www.aboutads.info.
Klaregen Technologies Inc. does not possess access to, or control over, the data collected by these third-party entities.

4. Limitation of Liability

To the maximum extent permitted by applicable law, Klaregen Technologies Inc. shall not be held liable for any damages arising from the use of this Site. All information is provided "as is" and does not constitute professional financial or legal advice.

5. Mandatory Arbitration & Class Action Waiver

Arbitration: Any dispute, claim, or controversy arising out of or relating to this Policy or the use of the Site shall be resolved through final and binding individual arbitration in Montreal, Quebec.

Class Action Waiver: By using this Site, you agree that any dispute resolution proceedings will be conducted strictly on an individual basis. You expressly waive your right to participate in any class action lawsuit or class-wide arbitration against Klaregen Technologies Inc.

6. Governing Law

This Policy and your use of the Site are governed by the laws of the **Province of Quebec** and the federal laws of Canada applicable therein.

7. Policy Updates

The Company reserves the right to update this Privacy Policy at any time. Your continued use of the Site following any changes constitutes acceptance of the revised Policy.

8. Contact

For formal inquiries regarding the Company, please use the submission tool on our Contact Page. All submissions are processed through our corporate record-keeping system.