Welcome to InvestWise Academy. These Terms and Conditions ("Terms") govern your use of the InvestWise Academy website (investwiseacademy.ca) and all content, products, and services available through the website (collectively, the "Services").
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to all the Terms, you may not access or use our Services.
To use our Services, you must be at least 18 years old and capable of forming a binding contract. By using our Services, you represent and warrant that you meet these requirements.
Some portions of our Services require you to create an account. When you register, you agree to:
We reserve the right to disable any user account if we believe you have violated these Terms.
When using our Services, you agree not to:
We strive to provide accurate information about our educational products. However, we do not warrant that product descriptions or other content on our website are accurate, complete, reliable, current, or error-free.
All prices are in Canadian Dollars (CAD) and are subject to change without notice. We reserve the right to correct any pricing errors. Payment must be made at the time of purchase through our secure payment system. By providing payment information, you represent that you are authorized to use the payment method and agree to the terms of our payment processor.
After purchasing digital products (e-books, online courses, calculators, etc.), you will typically receive access within 24 hours. Access is provided via your account, email, or download links as specified at the time of purchase. You are responsible for maintaining the security of your access credentials and download links.
When you purchase our digital products, we grant you a non-exclusive, non-transferable, limited license to access and use the content for your personal, non-commercial use only. You may not:
All content on our website, including text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of InvestWise Academy or our content suppliers and is protected by Canadian and international copyright laws. The compilation of all content on our website is our exclusive property and is protected by Canadian and international copyright laws.
InvestWise Academy, our logo, and all related names, logos, product and service names, designs, and slogans are our trademarks or those of our affiliates or licensors. You may not use such marks without our prior written permission.
If you post, upload, or submit any content to our website (such as reviews, comments, or forum posts), you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.
You represent and warrant that you own or control all rights to the content you post and that such content does not violate these Terms or any applicable law.
Our Services are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not guarantee that our Services will be uninterrupted, timely, secure, or error-free, or that defects will be corrected.
The educational content and information provided through our Services are for general educational purposes only and are not intended as investment, financial, or legal advice. Investments carry risks, and past performance is not indicative of future results. Before making any investment decisions, you should consult with qualified professionals.
To the fullest extent permitted by applicable law, InvestWise Academy, its affiliates, officers, directors, employees, agents, suppliers, or licensors will not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
In no event shall our total liability to you for all claims exceed the amount paid by you to us during the twelve (12) month period prior to the act giving rise to the liability.
If our Services include features that allow users to interact (such as forums, comments, or review sections), you agree to follow these community guidelines:
We reserve the right to remove any content that violates these guidelines and to terminate or suspend your access to all or part of our Services.
You agree to indemnify, defend, and hold harmless InvestWise Academy, its affiliates, officers, directors, employees, agents, suppliers, and licensors from and against all losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from any violation of these Terms or any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing our Services using your account.
Our Services may contain links to third-party websites or services that are not owned or controlled by InvestWise Academy. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that InvestWise Academy shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.
We may terminate or suspend your account and bar access to our Services immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including but not limited to a breach of these Terms.
If you wish to terminate your account, you may simply discontinue using our Services or contact us to request account deletion. All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use our Services.
These Terms shall be governed by and construed in accordance with the laws of the Province of New Brunswick and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.
You agree to submit to the exclusive jurisdiction of the courts located within the Province of New Brunswick to resolve any legal matter arising from these Terms. Notwithstanding the foregoing, we retain the right to bring proceedings against you for breach of these Terms in your country of residence or any other relevant country.
If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
These Terms, together with our Privacy Policy and any other legal notices published by us on our website, shall constitute the entire agreement between you and InvestWise Academy concerning our Services.
If you have any questions about these Terms, please contact us at:
InvestWise Academy
55244 Amber Junction Apt. 266
Lake Estella, NB N5N 7Y4
Canada
Email: [email protected]
Phone: +1 207-264-6100