Centre for Career Innovation

The Centre for Career Innovation is Powered by Challenge Factory Inc. 

Terms of Use

These Terms of Use state how you may use our Programs, Subscription Services and Online Materials.

Please read these Terms of Use carefully. We reserve the right to change these Terms of Use from time to time without notice to you. By purchasing or using any of our Programs, Subscription Services or Online Materials, now or in the future, you are agreeing immediately upon said purchase to the Terms of Use as they appear, and agree that you are legally bound by them, whether or not you have read them. If at any time you do not agree with these Terms of Use, please do not use our Programs, Subscription Services or Online Materials.

Words You Need to Understand

“Agreement” or “contract” means all of: the documents which you and the Company have signed and the Credit Card Authorization Form you have signed.

“Client” or “you” means any purchaser, client and/or user of any of our Programs, Subscription Services or Online Materials.

“Company”, “we”, “us” or “me” means Challenge Factory Inc. doing business as the Center for Career Innovation

“Programs” mean any free or paid program including but not limited to a mastermind, e-course, downloadable information product, e-book, or other service or course where we provide content for educational and informational purposes that is not permitted to be reproduced or used in your own business for commercial use or in a way that earns you money. Programs may be delivered in ways including but not limited to one-on-one consultations webinars, Facebook Live Videos, teleseminars, videos, audios, books, e-books, social media, articles or otherwise in a variety of settings such as individual or group consulting and process calls.

“Online Materials” mean any public or private video, audio, printed or written text or work including but not limited to drafts, online or printed documents, or other materials created by us that are provided to you for your educational and informational purposes or through our Programs.

“Subscription Services” mean any digital membership product, other digital service, or online magazine subscription.

“Terms of Use” includes this document and all the standard provisions that form part of every contract we enter into with each purchaser, client and user (including you) of any of our Programs, Subscription Services and Online Materials as amended from time to time by us in our sole discretion, without notice to you.

“Improper and/or Unauthorized Use” includes and is not limited to modifying, copying, reproducing, republishing, uploading, posting, transmitting, translating, selling, creating derivative works, exploiting, or distributing in any manner or medium any of the Online Materials or any other information accessed or purchased through our Programs and Subscription Services for your own business or commercial use or in any way that earns you money or that you trade for valuable consideration. 

How You May Use Our Programs, Subscription Services and Online Materials

You consent to use our Programs, Subscription Services and Online Materials as described in the following paragraphs, which collectively are referred to as the “Terms of Use”.

By purchasing or using any of our Programs, Subscription Services and Online Materials, you agree to abide by these Terms of Use and the Contract you have signed, and you acknowledge and agree that you are required to act in accordance with them. Accessing, purchasing or using our Programs, Subscription Services and Online Materials, in any manner, constitutes and is evidence of your use of them, and your agreement to be bound by these Terms of Use.

All of our Programs, Subscription Services and Online Materials are intended solely for persons who are 18 years of age or older. Any registration by, use of, or access to any Programs, Subscription Services and Online Materials by anyone who is younger than 18 years of age is unauthorized, unlicensed and violates these Terms of Use. By purchasing or using any Programs, Subscription Services and Online Materials, you represent and warrant that you are at least 18 years of age.

Username and Password 

You are responsible for maintaining the confidentiality of your username, password and any other credentials that you may be asked to create to access certain Programs, Subscription Services or certain features or portions thereof. We are not responsible for any misuse of your information by any third party, whether authorized by you or not. You agree to immediately notify us of any actual or suspected unauthorized use of your information or any other breach of security. We are not responsible or liable for any loss or damage resulting from unauthorized use of your information or for your failure to follow the requirements set out in these Terms of Use.

Intellectual Property Rights

Our Limited License to You. 

Our Programs, Subscription Services and Online Materials are our property, and are protected by copyright, trademark, and other intellectual property laws. This means you can only use and access our Programs, Subscription Services and Online Materials in the ways and to the extent we say you can, i.e., as described in greater detail in the following paragraphs. 

The content in our Programs, Subscription Services and Online Materials is solely owned by or licensed to us, unless expressly indicated otherwise. This content includes, but is not limited to: the design, layout, look, appearance, graphics of our Programs, Subscription Services and Online Materials or any other material or aspects of materials provided by us to you. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these Terms of Use.

If you purchase or access any Programs, Subscription Services or Online Materials, you will be considered our Licensee. To clarify, all content obtained through us is solely and completely our property, and you are granted a revocable, non-transferable license for personal, non-commercial use only, limited to you only. This means you may not use our Programs, Subscription Services or Online Materials in a manner that constitutes an infringement of our rights or in a manner that has not been authorized by us.

You are being granted a limited license to use our Programs, Subscription Services or Online Materials with permission and restrictions. This means that when you purchase or use our Programs, Subscription Services or Online Materials from us, you are granted the limited right to use the Programs, Subscription Services or Online Materials with certain conditions as specified in these Terms of Use.

You are permitted to use our Programs, Subscription Services or Online Materials for your personal use. To clarify, you are not permitted to share, sell, reprint or republish any Programs, Subscription Services or Online Materials, for resale or mass reproduction purposes for your own business or commercial use or in any way to make you money unless you ask us in writing if you may do so, and we have given you written permission to do so. 

Any trademarks, taglines, and logos displayed on our Programs, Subscription Services or Online Materials are trademarks belonging to us. All trademarks reproduced on our website, of which we do not own or hold a licence, are acknowledged on our website. Any use including framing, meta tags or other text utilizing these trademarks, or other trademarks displayed, is strictly prohibited without our express written consent, or permission granted in these Terms of Use.

For those trademarks, taglines, and logos for which you are granted permission to use, the trademark indicia must be included at all times. Any marketing or promotional tools and/or Program titles or any other title or information of ours bearing the trademark symbols (™) or ® may not be used by you for any reason unless you ask us in writing if you may do so, and we answer in writing and state that you may do so.

All rights not expressly granted in these paragraphs in these Terms of Use or in any written licence, are reserved by us.

Information You Must Not Share with Others.

As a Licensee, you understand and acknowledge that our Programs, Subscription Services and Online Materials have been created, developed or obtained by us through the investment of significant time, effort and expense, and that this information is a valuable, special and unique asset of ours which needs to be protected from Improper and/or Unauthorized Use.

When you enroll in or purchase any of our Programs, you agree that you are clearly and expressly prohibited from doing any of the following acts:

(a)    You will not copy, share or steal our Programs, Subscription Services or Online Materials or any parts of them.

(b)    You will not in any way use, copy, adapt or represent any of our Programs, Subscription Services or Online Materials or their content in any way as if they are yours or created by you. 

(c)    You will not engage in the Improper and/or Unauthorized Use of our Programs, Subscription Services or Online Materials. 

(d)    You will not duplicate, share, trade, sell, or otherwise distribute our Programs, Subscription Services or Online Materials to any other person, for their personal, business, or commercial use or in any way that earns them money, whether it was known to you or not at the time that you shared the information that their intention was to use the Programs, Subscription Services or Online Materials for their own personal, business or commercial use. This means you cannot share or sell any part of our Programs, Subscription Services or Online Materials to another person or business, so they can copy, reproduce, sell and/or use them for their own personal, business or commercial use or in any way that earns them money or for valuable consideration. You are the only one granted a limited licence to use our Programs, Subscription Services and Online Materials.

(e)    You will not violate our intellectual property rights, including copyright and trademark rights by downloading, printing, or otherwise using our Programs, Subscription Services or Online Materials for publication or compilation into your own Programs, Subscription Services or Online Materials for your own personal, business or commercial use or in any way that earns you money.

(f)    You will not use our Programs, Subscription Services or Online Materials in a manner that constitutes an infringement of our rights or that we have not first approved in writing.

(g)    You may not engage in Improper and/or Unauthorized Use of our Online Materials or any other information related to our Programs and Subscription Services. 

You understand and agree that doing, participating in directly or indirectly or engaging in the prohibited, Improper and/or Unauthorized Use of our Programs, Subscription Services or Online Materials as set forth in these Terms of Use is considered theft and stealing. You agree and understand that prohibited use, Improper and/or Unauthorized Use may give rise to a civil claim for damages and may be turned over to the police for investigation as a criminal offence.

Your Licence to Us. 

By posting or submitting any material on or through our Programs, Subscription Services or Online Materials such as comments, posts, photos, images or videos or other contributions, you are representing and warranting that you are the owner of all such materials and are at least 18 years old. Furthermore, you consent to the following:

(a)    When you submit to us or post any comment, photo, image, video or any other submission for use on or through our Programs, Subscription Services and Online Materials, you are granting us, and anyone authorized by us, an unlimited, royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide licence to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such contributions, in whole or in part, in any manner or in any medium, now known or developed in the future, for any purpose, and granting us the right to make it part of our current or future Website, Programs, Subscription Services and/or Online Materials. This right includes granting us use or exploitation of proprietary rights or intellectual property rights like copyright, trademark, service mark, trade secrets, patent rights or any other of your intellectual property rights under any relevant jurisdiction without any further permission from you or compensation by us to you.

(b)    You also grant us, and anyone authorized by us, the right to identify you as the author of any of copy, comments, posts, photos, images, videos or other contributions by name, email address, or screen name. You acknowledge that we have the right but not the obligation to use and display any contributions from you of any kind, and that we may elect to cease the use and display of any such contributions in our Programs, Subscription Services and/or Online Materials in our sole discretion, at any time for any reason whatsoever.

Media Release

By participating in our Programs and using our Subscription Services and Online Materials, including on social media, you consent to photographs, videos, audio recordings, transcripts, copy or written or printed text that may contain you, your voice and/or your likeness, any we reserve the right to use them in our sole discretion in our current or future Programs, Subscription Services or Online Materials and/or our marketing or promotional efforts, without compensation to you at any time, now or at any time in the future.

Community Guidelines

We value you for your participation in our Programs and for using our Subscription Services and Online Materials. While we encourage active participation and interaction among users, participants and clients, here are some tips to consider when commenting or engaging with others in our Programs, Subscription Services or Online Materials:

⁃    Read with your audience in mind: Is your comment appropriate?

⁃    Revise: Can I make this calmer and clearer? Can I be more concise?

⁃    Support what you say: Can I make negative feedback more constructive? Can I elaborate further on positive feedback? Can I provide sources that support my claim?

⁃    Review how you say it: Does my comment encourage a healthy discussion or is it going to put others on the defensive? 

To help you avoid the frustrations of comment removal, here are some reasons your comment may be removed:

⁃    Not appropriate for the platform;

⁃    Inappropriate language;

⁃    Terms of Use violations;

⁃    Excessively posting the same comment or link;

⁃    Stereotyping, i.e sweeping generalizations of any group or individual based on race, gender, religion, sexual orientation, ability or age;

⁃    Hate speech;

⁃    Bullying.

If you see something that you think may violate our guidelines, please help us by emailing [email protected]. 

We will review these reports and work as quickly as possible to remove content that doesn’t meet our guidelines. 

No Expectation of Privacy 

While we encourage our participants to maintain confidentiality, please assume that any comment you post on when using our Programs, Subscription Services or Online Materials is being posted publicly and can become part of public record. We provide no expectation of privacy with respect to your posts or comments. You understand and agree that any information you share publicly can be shared outside of our Programs, Subscription Services and Online Materials.

Request from You for Permission to Use Content We Have Created and Shared with You

Any request for written permission to use our Programs, Subscription Services or Online Materials in whole or in part, or any other intellectual property or property belonging to us should be made IN WRITING – BEFORE YOU WISH TO USE IT. To ask for our permission, please contact us at the email address provided on the last page of these Terms of Use.

We very clearly state that you may not use our Programs, Subscription Services or Online Materials in whole or in part, in any way that is contrary to these Terms of Use, unless we have given you specific WRITTEN PERMISSION to do so, in email or any other written format we determine is appropriate.

If you are granted permission by us, you agree to use the SPECIFIC CONTENT that we allow and ONLY in the ways for which we have given you our written permission.

If you choose to use the content in ways that we do not specifically give you written permission, you agree now that you will be treated as if you had copied, duplicated and/or stolen such content from us, and you consent to immediately stop using such content and to take whatever actions as we may request and by the methods and in the time frame that we say and prescribe to protect our intellectual property and ownership rights in our Programs, Subscription Services or Online Materials.

Personal Responsibility and Assumption of Risk

You agree that you are using your own judgement in using our Programs, Subscription Services and Online Materials, and you agree that you are doing so at your own risk. You agree and understand that you assume all risks and no results are guaranteed in any way related to our Programs, Subscription Services and Online Materials. You are solely responsible for your actions, decisions and results based on the use, misuse or non-use of our Programs, Subscription Services and Online Materials.

DISCLAIMER

To the fullest extent permitted by applicable law, we expressly exclude any liability for any direct, indirect or consequential loss or damage incurred by you or others in connection with our Programs, Subscription Services and Online Materials, including without limitation any liability for any accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, misapplication of information, physical or mental distress, condition or issue, physical, mental, emotional, or spiritual injury or harm, loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted time and for any other loss or damage of any kind, in law or in equity, however and whether caused by negligence, breach of contract, or otherwise, even if foreseeable. You specifically acknowledge and agree that we are not liable for any defamatory, offensive or illegal conduct of any other program or participant or user, including you.

Medical Disclaimer.

You must not rely on the information on this website as an alternative to medical treatment, including counselling and treatment relating to your mental health, from your doctor or other professional healthcare provider. If you have any specific questions about any medical matter including any matter related to your mental health, you should consult your doctor or other professional healthcare provider. If you think you may be suffering from any medical condition including any mental health condition, you should seek immediate medical attention.

Legal and Financial Disclaimer.  

Our Programs, Subscription Services and Online Materials are not to be perceived OR relied upon in any way as business, financial or legal advice. The information provided through our Programs, Subscription Services and Online Materials is not intended to be a substitute for professional advice that can be provided by your own accountant, lawyer, or financial advisor. We are not giving financial or legal advice in any way. You are hereby advised to consult with your own accountant, lawyer, or financial advisor for any and all questions and concerns you have regarding your own income and taxes pertaining to your specific financial and/or legal situation. You agree that we are not responsible for your earnings, the success or failure of your business decisions, the increase or decrease of your finances or income level, or any other result of any kind that you may have as a result of information presented to you through our Programs, Subscription Services and Online Materials. You are solely responsible for your results.

Earnings Disclaimer. 

You acknowledge that we have not and do not make any representations as to the future income or loss of any kind that may be derived as a result of your participation in the Programs, Subscription Services and Online Materials. We cannot and do not guarantee that you will attain a particular result, positive or negative, financial or otherwise, through the use of our Programs, Subscription Services and Online Materials, and you accept and understand the results differ for each individual. We also expressly disclaim responsibility in any way for the choices, actions, results, use, misuse or non-use of the information provided or obtained through any of our Programs, Subscription Services and Online Materials. You agree that your results are strictly your own and we are not liable or responsible in any way for your results.

Warranties Disclaimer. 

We make no warranties as to our Programs, Subscription Services and Online Materials. You agree that our Programs, Subscription Services and Online Materials are provided “as is” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant IN LAW AND IN EQUITY, 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 the Programs, Subscription Services and Online Materials will be functional, uninterrupted, correct, complete, appropriate, or error-free, that defects will be corrected, or that any part of the website content are free of viruses or other harmful components. We do not warrant or make any representations regarding the use or the results of the use of our Programs, Subscription Services, Online Materials or on third-party websites in terms of their correctness, accuracy, timeliness, reliability, or otherwise.

Testimonial Disclaimer. 

From time to time, we may present real world experiences, testimonials and insights about other people's experiences with our Programs, Subscription Services and Online Materials for the purposes of illustration only. The testimonials, examples and photos used are of actual clients and results they personally achieved, or they are comments from individuals who can speak to the quality of our Programs, Subscription Services or Online Materials. They are not intended to represent or guarantee that current or future clients will achieve the same or similar results; rather, these testimonials represent what is possible for illustrative purposes only.

The testimonials on this website are submitted in various forms such as text, audio and/or video, and are reviewed by us before being posted. They appear on the website verbatim as given by the clients, except for the correction of grammar or typing errors. Some testimonials may have been shortened where the full testimonial contained information not relevant to the general public. 

Technology Disclaimer. 

We try to ensure that the availability and delivery of our Programs, Subscription Services and Online Materials is uninterrupted and error-free, including our content and communications through methods like our website, private Facebook groups, email communications, videos, audio recordings, recorded Zoom calls, recorded webinars, recorded teleseminars, downloadable MP3 audio files, downloadable PDF printed transcripts, downloadable PDF handouts/slides, handouts, e-books, or any other materials provided by us to you. However, we cannot guarantee that your access will not be suspended or restricted from time to time, including to allow for repairs, maintenance or updates, although of course, we will try to limit the frequency and duration of suspension or restriction. To the fullest extent permitted by law, we will not be liable to you for damages or refunds, or for any other recourse, should our Programs, Subscription Services and Online Materials become unavailable or access to them becomes slower incomplete due to any reason such as system backup procedures, Internet traffic volume, upgrades, overload of requests to the servers, general network failures or delays, or any other cause which may from time to time make our Programs, Subscription Services and Online Materials inaccessible to you.

Force Majeure.

We shall not be liable for any loss, damage or delay in fulfilling our obligations pursuant to this Agreement caused by or resulting from conditions or causes beyond our reasonable control including but not limited to power outages, riots, fire, flood, explosion, governmental controls or regulations, epidemics or other public health emergencies, civil insurrections, acts of terrorism, civil or military authority, and inability to obtain necessary supplies and materials or perform our obligations due to such causes. 

Links to Other Websites. 

We may provide links and pointers to other websites maintained by third parties that may take you outside of our Programs, Subscription Services and Online Materials. These links are provided for your convenience and the inclusion of any link in our Programs, Subscription Services and Online Materials to any other website does not imply our endorsement, sponsorship, or approval of that website or of its owner. We assume no responsibility for errors or omissions caused by other websites that may be included in our Programs, Subscription Services and Online Materials. We have no control over the contents or functionality at those websites and so we accept no responsibility for any loss, damage, or otherwise that may arise from your use of them and therefore we do not guarantee the accuracy, completeness, or usefulness of any other website or their content. 

Indemnification, Limitation of Liability and Release of Claims

Indemnification. 

You agree at all times to defend, indemnify and hold us harmless, as well as any of our agents, contractors, officers, directors, shareholders, employees, joint venture partners, successors, transferees, assignees, and licensees, as applicable, from and against any and all claims, causes of action, damages, liabilities, costs and expenses, including legal fees and expenses on a solicitor client basis, arising out of or related to our Programs, Subscription Services and Online Materials, or your breach of any obligation, warranty, representation or covenant set forth in these Terms of Use or in any other agreement with us, to the full extent permitted by applicable law.

Release of Claims. 

In no event will we be liable to any party for any type of direct, indirect, special, incidental, equitable or consequential damages for any use of or reliance on our Programs, Subscription Services and Online Materials, and you hereby release us from any and all such claims; including, without limitation, those related to lost profits, personal or business interruptions, personal injuries, accidents, misapplication of information, or any other loss, physical or mental disease, condition or issue, or otherwise, even if we are expressly advised of the possibility of such damages or difficulties, to the fullest extent allowable by applicable law.

Your Conduct. 

You are agreeing that you will not use our Programs, Subscription Services and Online Materials in any way that causes or is likely to cause the Programs, Subscription Services and Online Materials or access to them either to be interrupted, damaged, or impaired in any way. You understand that you are solely responsible for all electronic communications and content sent from your computer to us.

You must use the Programs, Subscription Services and Online Materials for lawful purposes only. 

Communication Guidelines

If you have a question or concern about your Program or the Online Materials, you may contact us by email at the email address provided on the last page of these Terms of Use and we will do our best to reply to your question or concern.

Purchases and Online Commerce

Authorization and Permission.

If paying by PayPal, debit card, or credit card, you give us permission to automatically charge your credit card or debit card as payment for your Programs, Subscription Services and Online Materials, without any additional authorization, for which you will receive an electronic receipt. 

You agree to only purchase our Programs and Subscription Services for yourself or for another person for whom you are legally permitted to do so or for whom you have obtained the express consent to provide their name, address, method of payment, credit card number, and billing information.

You agree to be financially responsible for all purchases made by you or someone acting on your behalf. You agree to use our Programs, Subscription Services and Online Materials for legitimate, non-commercial purposes only and not for speculative, false, fraudulent, or illegal purposes.

Auto Renewals.

Unless you cancel your Subscription Service, it will be automatically renewed at the end of each subscription term, at the rate(s) then in effect.  You will receive an auto-renewal reminder notice prior to charging your credit/debit card/3rd party payment account for your Subscription Service.  You may opt out of the automatic renewal at any time by emailing us at the email addressed provided on the last page of these Terms of Use. 

OR

If you have enrolled in any of our Subscription Services, it will be automatically renewed at the end of each subscription term, at the rate then in effect, unless you tell us otherwise. You authorize us to fulfill your subscription and charge the credit/debit card/3rd party payment account if provided. You will not receive any renewal notices.  You may opt out of the automatic renewal at any time by emailing us at the email addressed provided on the last page of these Terms of Use. 

Late Payments.

In the event that payment is not received by the date due, you will have a two (2) day grace period to make the payment. If you fail to make the payment within the grace period, we reserve the right to terminate your access to the Programs, Subscription Services and Online Materials immediately and permanently.

If you fail to make payment in a timely manner in accordance with these Terms of Use, or if you voluntarily decide to withdraw from our Programs or Subscription Services at any time or for any reason whatsoever, you still will remain fully responsible for the entire cost of the Programs and Subscription Services.

We also reserve our right to seek payment from you for any delinquent payment that is not provided by or upon the date due by enlisting the help of a collection agency or legal counsel, and we may exercise our right to report your delinquent payment to all three credit reporting agencies, either directly or through the help of a collection agency.

Declined Payments.

If a payment is declined, your access to the Programs and Subscription Services will be restricted until payment is received in full. 

Chargeback Threats, Reversal of Payment, Payment Cancellations, and Actual Chargebacks

Since we have a clear and explicit refund policy in these Terms of Use that you have agreed to prior to completing the purchase of any of our Programs, Subscription Services and Online Materials, you agree that any type of chargeback threat, reversal of payment, payment cancellation, actual chargeback or claim from your credit card company, PayPal, financial institution, or any other payment service will constitute a breach of these Terms of Use on your part.

In the event that a chargeback, reversal of payment, or payment cancellation is initiated by you or we receive a chargeback threat, we reserve the right to report the incident to all three credit reporting agencies, or any other entity for inclusion in any chargeback database or for listing as a delinquent account, which could have a negative impact on your credit report score. The information reported will include your name, email address, payment date, payment amount, and billing address. Chargeback abusers wishing to be removed from the database shall make the payment for the amount of the chargeback.

Sharing Information with Payment Processing Company.

All information obtained during your purchase or transaction for our Programs, Subscription Services and Online Materials, and all information that you give us is part of the transaction such as your name, address, method of payment, credit card number, and billing information, may be collected both by us and our payment processing company.

Payment processing companies and merchants may have privacy and data collection practices and policies that are different from ours, we have no responsibility or liability for these independent policies of the payment processing companies and merchants. In addition, when you make certain purchases you may be subject to the additional terms and conditions of the payment processing company, merchant, or us that specifically apply to your purchase. For more information regarding a merchant and any terms and conditions that may apply, visit that merchant’s website or contact the merchant directly.

You release us, our payment processing company, and merchants from any damages that you incur, and agree not to assert any claims against us or them arising from your purchase or use of our Programs, Subscription Services and Online Materials.

APPOINTMENTS

Rescheduling or Cancelling Appointments. 

If you have booked your one-on-one session with us or any other meeting with us in any medium including but not limited to by telephone, Zoom call, Skype (“Appointment”) and you need to reschedule or cancel, you must contact us at least 24 hours in advance so we may select an alternative and mutually agreeable time for your make-up session. However, for appointments that you attempt to reschedule or cancel less than 24 hours in advance of the scheduled time of the Appointment, you forfeit the Appointment and you will not have the opportunity to reschedule it or make it up.

Missed Appointments. 

Should you miss your scheduled Appointment without providing at least 24 hours advance notice, you forfeit it. Because we have made time available in the schedule, it affects how many other clients may be served, and for that reason, we do not offer makeup sessions for “no-shows” or missed appointments.

REFUND POLICY

Your satisfaction with your Programs, Subscription Services and Online Materials is important to us. Yet, because of the extensive time, effort, preparation, and care that goes into creating and/or providing our Programs, Subscription Services and Online Materials, we have a no refund policy. Unless otherwise provided by law, you acknowledge that we do not offer refunds for any portion of your payment for any of our Programs, Subscription Services and Online Materials, and no refunds will be provided to you at any time. By using and/or purchasing any of our Programs, Subscription Services and Online Materials, you understand and agree that all sales are final upon signing the contract, and that our fees and subscriptions are fully payable at that time, and no refunds will be provided.

CONFIDENTIALITY AND PRIVACY

Our Privacy Policy forms part of these Terms of Use and may be found here. 

Termination

You have the right to terminate your use of or participation in our Programs, Subscription Services and Online Materials at any time by contacting us IN WRITING, including by e-mail. 

We reserve the right in our sole discretion to refuse or terminate your access to our Programs, Subscription Services or Online Materials, in full or in part, at any time, without notice, by sending you an email to the email address you provided to us during registration or enrolment. We may also, in our sole discretion, terminate your password or user account (or any part thereof) without prior notice and for any reason or no reason.

In the event of cancellation or termination by either of us, you will have 24 hours to pay any and all remaining payments or balances that are owed to us.

Upon termination by either of us, we reserve the right to immediately refuse or terminate your access to any aspect of our Programs, Subscription Services and/or our Online Materials, including but not limited to our website, private forum, email communications, online groups, recordings of any communications, or any other method of communications related to our Programs, Subscription Services and Online Materials at any time without notice and in our sole discretion.

Dispute Resolution

It is hoped that should we ever have any differences, we will be able to work them out amicably through email correspondence and telephone conference calls. 

In the event of a dispute between us, you agree to not engage in any conduct or communications, whether in public or in private including but not limited to on social media, either directly or indirectly, designed to disparage us, our company, or any of our Programs, Subscription Services or Online Materials. Where requested by law or arbitration, of course, you are not prohibited from sharing your thoughts and opinions as part of the legal process.

Governing Law 

These Terms of Use and all contracts and agreements between us shall be construed and interpreted according to the laws and regulations of the province of Ontario and Canada.

Survival

These Terms of Use, including but not limited to all copyright, trademark, and intellectual property rights, disclaimers, limitations of liability, release of claims, and our refund policy will survive the termination of our agreement by either you or by us.

ENTIRE AGREEMENT

These Terms of Use supersede all prior representations, arrangements, negotiations, understandings and agreements between you and us, both written and oral, relating to the Programs, Subscription Services or Online Materials which you have purchased from us or accessed through us, and sets forth the entire complete and exclusive agreement and understanding between us. Further neither of us has relied on any representation, arrangement, understanding or agreement (whether written or oral) not expressly set out or referred to in these Terms of Use.

SEVERABILITY

If any provisions in the Agreement are construed by a court of competent jurisdiction to be void or unenforceable for any reason, it shall be deemed to be severed from the Agreement and shall not affect the validity or enforceability of all other provisions in the Agreement, which shall remain in full force. 

TIME

Time shall be of the essence in all respects of the Agreement.

Contacting Us

Whenever a provision in these Terms of Use state that you are to contact us in writing, we ask that you send an email to [email protected] you have any questions about any provisions in these Terms of Use, please contact us.