Terms and Conditions

Agreement to Terms

These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and assetclarity ("we," "us," or "our"), concerning your access to and use of the assetclarity.online website as well as any other media form, media channel, mobile website, or mobile application related, linked, or otherwise connected thereto (collectively, the "Site").

You agree that by accessing the Site, you have read, understood, and agree to be bound by all of these Terms and Conditions. If you do not agree with all of these Terms and Conditions, then you are expressly prohibited from using the Site and you must discontinue use immediately.

Educational Purpose

The content provided on this Site is for educational and informational purposes only. Our financial literacy programs are designed to help you understand financial concepts and develop money management skills. We do not provide personalized financial advice, investment recommendations, or guarantees of any financial outcomes.

You acknowledge and agree that:

• All information is general in nature and not tailored to your specific circumstances
• We are not financial advisors, accountants, or investment professionals
• You should consult with qualified professionals before making financial decisions
• Your financial results depend on many factors beyond our educational content

Intellectual Property Rights

Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws.

The Content and the Marks are provided on the Site "AS IS" for your information and personal use only. Except as expressly provided in these Terms and Conditions, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

User Representations

By using the Site, you represent and warrant that:

• All registration information you submit will be true, accurate, current, and complete
• You will maintain the accuracy of such information and promptly update such registration information as necessary
• You have the legal capacity and you agree to comply with these Terms and Conditions
• You are not under the age of 18
• You will not access the Site through automated or non-human means
• You will not use the Site for any illegal or unauthorized purpose
• Your use of the Site will not violate any applicable law or regulation

Prohibited Activities

You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Site, you agree not to:

• Systematically retrieve data or other content from the Site to create a collection, compilation, database, or directory
• Make any unauthorized use of the Site, including collecting usernames and/or email addresses
• Use the Site to advertise or offer to sell goods and services
• Circumvent, disable, or otherwise interfere with security-related features of the Site
• Engage in unauthorized framing of or linking to the Site
• Trick, defraud, or mislead us and other users
• Make improper use of our support services or submit false reports
• Interfere with, disrupt, or create an undue burden on the Site
• Attempt to impersonate another user or person
• Use any information obtained from the Site to harass, abuse, or harm another person

User Generated Contributions

The Site may invite you to provide feedback or information. Any information you transmit to the Site will be treated in accordance with our Privacy Policy. When you submit information to us, you grant us a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, and distribute such information in connection with providing our services.

Enrollment and Payments

If you choose to enroll in any of our educational programs:

• You agree to provide current, complete, and accurate enrollment and payment information
• All fees are quoted in Canadian dollars unless otherwise stated
• Payment terms will be provided at the time of enrollment
• We reserve the right to refuse service to anyone at any time
• Refund policies, if applicable, will be clearly communicated during enrollment

Site Management

We reserve the right, but not the obligation, to:

• Monitor the Site for violations of these Terms and Conditions
• Take appropriate legal action against anyone who violates these Terms and Conditions
• Refuse, restrict access to, limit availability of, or disable any of your contributions
• Remove from the Site or otherwise disable any files that are excessive in size or burdensome
• Otherwise manage the Site in a manner designed to protect our rights and property

Modifications and Interruptions

We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. We also reserve the right to modify or discontinue all or part of our services without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the Site or our services.

We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors.

Disclaimer of Warranties

THE SITE AND ALL CONTENT, SERVICES, AND PRODUCTS PROVIDED ON OR THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE'S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE. WE ASSUME NO LIABILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT.

Limitations of Liability

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of your use of the Site, breach of these Terms and Conditions, or violation of any law or the rights of a third party.

Governing Law

These Terms and Conditions and your use of the Site are governed by and construed in accordance with the laws of Canada and the Province of Ontario, without regard to its conflict of law principles.

Dispute Resolution

Any legal action or proceeding arising under these Terms and Conditions will be brought exclusively in the courts located in Toronto, Ontario, Canada, and the parties irrevocably consent to the personal jurisdiction and venue therein.

Corrections

There may be information on the Site that contains typographical errors, inaccuracies, or omissions. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice.

Severability

If any provision of these Terms and Conditions is determined to be unlawful, void, or unenforceable, that provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms and Conditions. Such determination shall not affect the validity and enforceability of any other remaining provisions.

Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms and Conditions at any time. If a revision is material, we will make reasonable efforts to provide notice. What constitutes a material change will be determined at our sole discretion.