Terms & Conditions | Financial Literacy for New Canadians

Introduction

Welcome to Financial Literacy for New Canadians. These Terms and Conditions ("Terms") govern your use of our website located at financialliteracy.ca (the "Site") and all related services, content, and resources offered by Financial Literacy for New Canadians ("we," "us," or "our").

Please read these Terms carefully before accessing or using our Site. By accessing or using any part of the Site, you agree to be bound by these Terms. If you do not agree to all the Terms, then you may not access the Site or use any services.

Site Access and Use

License to Use

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site for personal, non-commercial purposes in accordance with these Terms.

Restrictions on Use

You agree not to:

Use the Site in any way that violates any applicable federal, provincial, local, or international law or regulation
Use the Site to transmit or send unsolicited commercial communications
Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site
Attack the Site via a denial-of-service attack or a distributed denial-of-service attack
Otherwise attempt to interfere with the proper working of the Site
Copy, reproduce, distribute, republish, download, display, post, or transmit any part of the Site without our prior written permission
Use any automated means or devices to access, scrape, or index the Site

Intellectual Property Rights

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Financial Literacy for New Canadians, its licensors, or other providers of such material and are protected by Canadian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

Our name, logos, product and service names, designs, and slogans are trademarks of Financial Literacy for New Canadians. You must not use such marks without our prior written permission.

User Contributions

The Site may contain message boards, chat rooms, personal web pages or profiles, forums, bulletin boards, and other interactive features (collectively, "Interactive Services") that allow users to post, submit, publish, display, or transmit content or materials (collectively, "User Contributions") on or through the Site.

All User Contributions must comply with the Content Standards set out in these Terms.

Any User Contribution you post to the Site will be considered non-confidential and non-proprietary. By providing any User Contribution on the Site, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material according to your account settings.

Content Standards

User Contributions must:

Be accurate (where they state facts)
Be genuinely held (where they state opinions)
Comply with all applicable laws and regulations

User Contributions must not:

Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable
Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age
Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person
Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations
Promote any illegal activity, or advocate, promote, or assist any unlawful act
Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person
Impersonate any person, or misrepresent your identity or affiliation with any person or organization
Involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising
Give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case

Monitoring and Enforcement

We have the right to:

Remove or refuse to post any User Contributions for any or no reason
Take any action with respect to any User Contribution that we deem necessary or appropriate in our sole discretion
Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights
Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Site
Terminate or suspend your access to all or part of the Site for any or no reason, including without limitation, any violation of these Terms

Accounts and Registration

Certain areas of the Site may require registration or may otherwise ask you to provide information to participate in certain features or access certain content. If you elect not to provide such information, you may not be able to access certain content or participate in certain features of the Site.

If you register for an account with us, you are responsible for maintaining the confidentiality of your account details, including your password, and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security.

Financial Information Disclaimer

The information provided on our Site is for general informational and educational purposes only and is not intended as financial advice. We do not provide personalized financial, investment, tax, or legal advice. Before making any financial decisions, you should consult with a qualified professional advisor who can provide advice based on your individual circumstances, financial situation, and goals.

The financial information on our Site:

Does not constitute a recommendation to buy, sell, or hold any financial product or instrument
Does not consider your specific investment objectives, financial situation, or needs
May not be suitable for all investors
Is subject to change without notice

Investing involves risk, including the possible loss of principal. Past performance is not a guarantee of future results.

Links to Third-Party Websites

The Site may contain links to third-party websites or services that are not owned or controlled by Financial Literacy for New Canadians. 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.

Disclaimer of Warranties

The Site is provided on an "AS IS" and "AS AVAILABLE" basis, without any warranties of any kind, either express or implied. Neither Financial Literacy for New Canadians nor any person associated with Financial Literacy for New Canadians makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, or availability of the Site.

We do not represent or warrant that:

The Site will meet your requirements
The Site will be uninterrupted, timely, secure, or error-free
The results that may be obtained from the use of the Site will be accurate or reliable
The quality of any products, services, information, or other material purchased or obtained by you through the Site will meet your expectations
Any errors in the Site will be corrected

Limitation of Liability

To the fullest extent permitted by applicable law, in no event will Financial Literacy for New Canadians, its affiliates, officers, directors, employees, agents, suppliers, or licensors be liable for any indirect, special, incidental, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

Your access to or use of or inability to access or use the Site
Any conduct or content of any third party on the Site
Any content obtained from the Site
Unauthorized access, use, or alteration of your transmissions or content

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, and even if a remedy set forth herein is found to have failed of its essential purpose.

Indemnification

You agree to defend, indemnify, and hold harmless Financial Literacy for New Canadians, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site, including, but not limited to, your User Contributions, any use of the Site's content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the Site.

Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) 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 giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Site shall be instituted exclusively in the courts of the Province of Ontario, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Severability

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

Waiver

No waiver by Financial Literacy for New Canadians of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Financial Literacy for New Canadians to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

Changes to Terms

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Site thereafter.

Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

Contact Us

If you have any questions about these Terms, please contact us at:

Financial Literacy for New Canadians
813 Collins Course
Freddiefurt KA13 7NR
Canada
Email: info@financialliteracy.ca
Phone: +445833553587