Last Updated: October 1, 2023
Welcome to Financial Literacy for New Canadians. These Terms and Conditions ("Terms") govern your use of our website located at financialliteracy.ca (the "Website") and the services we provide. Please read these Terms carefully before using our Website or services.
By accessing or using our Website and services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Website or services.
By accessing or using our Website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms constitute a legal agreement between you and Financial Literacy for New Canadians ("we," "our," or "us").
We reserve the right to modify these Terms at any time. All changes will be effective immediately upon posting on our Website. Your continued use of our Website and services after any changes indicates your acceptance of the modified Terms. It is your responsibility to review these Terms periodically.
You must be at least 18 years old to use our Website and services. By using our Website and services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Website for your personal, non-commercial use.
You agree not to:
Some features of our Website may require you to create an account. When you create an account, you must provide accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to comply with this section.
We provide various financial literacy services for new Canadians, including but not limited to financial planning, investment guidance, tax planning, homebuying support, and educational resources. The specific services available may change from time to time.
Some of our services may require payment of fees. All fees are stated in Canadian dollars and are non-refundable unless otherwise specified in our Refund Policy. We reserve the right to change our fees at any time, with or without notice.
By providing payment information, you represent and warrant that you are authorized to use the designated payment method and authorize us to charge your payment method for the services you have selected.
All content on our Website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of Financial Literacy for New Canadians or its content suppliers and is protected by Canadian and international copyright and trademark laws.
You may have the opportunity to submit content to our Website, such as comments, reviews, or feedback ("User Content"). By submitting User Content, you grant us a worldwide, 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 User Content in any media.
You agree not to submit User Content that:
We reserve the right to remove any User Content at our sole discretion.
The Website, its original content, features, and functionality are owned by Financial Literacy for New Canadians and are protected by Canadian and international copyright, trademark, patent, trade secret, and other intellectual property laws.
Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.
Our Website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites.
You acknowledge and agree that we 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 third-party websites or services.
OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT OUR WEBSITE OR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY DEFECTS WILL BE CORRECTED.
WE DO NOT WARRANT THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF OUR WEBSITE OR SERVICES WILL BE ACCURATE OR RELIABLE.
IN NO EVENT SHALL WE, OUR DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES 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:
WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.
IN JURISDICTIONS WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES IS NOT ALLOWED, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
The information provided on our Website and through our services is for general informational and educational purposes only. It is not intended to be a substitute for professional financial, tax, or legal advice. You should consult with qualified professionals before making any financial decisions.
We do not guarantee any specific results from using our Website or services. Financial results may vary based on individual circumstances, market conditions, and other factors beyond our control.
You agree to indemnify, defend, and hold harmless Financial Literacy for New Canadians, its officers, directors, employees, agents, licensors, and suppliers 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 Website using your account.
We may terminate or suspend your access to our Website and services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.
Upon termination, your right to use our Website and services will immediately cease. If you wish to terminate your account, you may simply discontinue using our Website 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.
These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. 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.
Any dispute arising out of or relating to these Terms, our Website, or our services shall be resolved through binding arbitration in accordance with the Arbitration Act of Ontario. The arbitration shall take place in Toronto, Ontario, and shall be conducted in English.
You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. If for any reason a claim proceeds in court rather than in arbitration, you waive any right to a jury trial.
These Terms, together with our Privacy Policy and any other legal notices published by us on our Website, constitute the entire agreement between you and Financial Literacy for New Canadians concerning our Website and services.
If you have any questions about these Terms, please contact us:
Financial Literacy for New Canadians
813 Collins Course
Freddiefurt, KA13 7NR
Canada
Phone: +445833553587
Email: info@financialliteracy.ca