Terms of Use for Financial Security and Literacy Courses

Last Updated: May 20, 2025

1. Acceptance of Terms

By accessing and using the Financial Security and Literacy Courses website (the “Service”), you agree to be bound by these Terms of Use. These terms govern your use of our educational resources, online courses, and related services.

2. Definitions

  • Course Content: Educational materials, videos, written resources, and interactive learning modules related to financial security and literacy.
  • User: Any individual accessing or using the Service.
  • Platform: The website and associated digital learning environments.

3. User Eligibility

Users must be:

  • At least 16 years of age
  • Capable of entering into legally binding agreements
  • Residing in Canada or accessing the service from within Canada

4. User Obligations and Rights

4.1 User Obligations

  • Provide accurate and current information
  • Maintain confidentiality of account credentials
  • Use the Service for personal educational purposes only
  • Comply with all Canadian legal standards
  • Respect intellectual property rights

4.2 User Rights

  • Access purchased course content
  • Receive support for educational materials
  • Request account modifications
  • Seek refunds within specified policy guidelines

5. Intellectual Property Rights

All course content, including:

  • Educational materials
  • Video lectures
  • Written resources
  • Interactive tools Are the exclusive property of Financial Security and Literacy Courses and protected under Canadian copyright laws. Users are granted a non-exclusive, non-transferable license to access and use content for personal educational purposes only.

6. Content Ownership and Licensing

  • Course creators retain full intellectual property rights
  • Users may not reproduce, distribute, or commercially use course content
  • Limited personal use is permitted with proper attribution

7. Limitation of Liability

The Service is provided “as is” without warranties. Financial Security and Literacy Courses shall not be liable for:

  • Direct or indirect damages
  • Loss of financial opportunities
  • Errors in educational content
  • User’s financial decisions based on course materials Maximum liability is limited to the course purchase price.

8. Dispute Resolution

Any disputes shall be resolved through:

  • Mandatory mediation
  • Arbitration in Ontario, Canada
  • Governed by Canadian provincial laws

9. Service Termination

We reserve the right to:

  • Suspend or terminate user accounts
  • Modify or discontinue services
  • Refuse service without prior notice
  • Enforce terms violation consequences

10. Modification of Terms

We may update these terms periodically. Continued use of the Service constitutes acceptance of modified terms.

11. Contact Information

For inquiries, support, or concerns:

12. Governing Jurisdiction

These terms are governed by the laws of Canada, specifically the province of Ontario.

13. Privacy and Data Protection

User data is handled in compliance with Canadian privacy regulations, ensuring confidentiality and security of personal information.

14. Severability

If any provision is found invalid, the remaining terms shall remain in full force and effect. Effective Date: May 20, 2025