Terms of Service

1. Acceptance of Terms

By accessing and using the EduProgress.com website and services ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by these Terms of Service, do not use or access our Service.

2. Description of Service

EduProgress.com provides online educational content, courses, and resources related to stock market investing and financial education. Our services include but are not limited to:

• Online investment courses and educational materials
• Investment analysis tools and calculators
• Market insights and educational blog content
• Community forums and discussion groups
• Customer support services

3. Educational Purpose and Disclaimer

IMPORTANT: All content provided through our Service is for educational purposes only and does not constitute financial advice, investment recommendations, or professional consultation.

3.1 No Financial Advice

• We do not provide personalized investment advice
• All content is general educational information
• You should consult with qualified financial professionals before making investment decisions
• Past performance does not guarantee future results

3.2 Investment Risks

You acknowledge that all investments involve risk, including the potential loss of principal. Market conditions can change rapidly, and investment values may fluctuate significantly.

4. User Accounts and Registration

4.1 Account Creation

To access certain features of our Service, you must create an account and provide accurate, complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Keeping your account information current and accurate

4.2 Eligibility

You must be at least 18 years old to use our Service. By creating an account, you represent that you meet this age requirement.

5. Payment Terms

5.1 Fees and Billing

• Course fees are clearly displayed before purchase
• All prices are in Canadian dollars unless otherwise specified
• Payment is due at the time of enrollment
• We accept major credit cards and electronic payment methods

5.2 Refund Policy

We offer a 30-day money-back guarantee for our courses. Refund requests must be submitted within 30 days of purchase and meet our refund criteria:

• Less than 25% of course content has been accessed
• No downloadable materials have been accessed
• Request submitted through our official channels

6. Intellectual Property Rights

6.1 Our Content

All content, materials, and intellectual property on our Service are owned by EduProgress.com or our licensors and are protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our Service for personal, educational purposes only. You may not:

• Reproduce, distribute, or modify our content
• Use our content for commercial purposes
• Share your account access with others
• Download or copy course materials except where explicitly permitted

7. User Conduct

You agree to use our Service responsibly and not to:

• Violate any applicable laws or regulations
• Interfere with or disrupt our Service
• Upload or transmit harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Use our Service for any fraudulent or illegal activities
• Harass, threaten, or abuse other users

8. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Disclaimers and Limitations of Liability

9.1 Service Disclaimer

Our Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

9.2 Investment Performance Disclaimer

We make no guarantees about investment performance, market predictions, or financial outcomes. All investment decisions are your sole responsibility.

9.3 Limitation of Liability

To the maximum extent permitted by law, EduProgress.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, or other intangible losses.

10. Indemnification

You agree to defend, indemnify, and hold harmless EduProgress.com, its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of our Service or violation of these Terms.

11. Termination

11.1 Termination by You

You may terminate your account at any time by contacting our customer support team.

11.2 Termination by Us

We may terminate or suspend your account immediately, without prior notice or liability, for any reason, including if you breach these Terms.

11.3 Effect of Termination

Upon termination, your right to use our Service will cease immediately, and you must stop all use of our content and materials.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of our Service after such modifications constitutes acceptance of the updated Terms.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Canada and the Province of Ontario, without regard to conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of Ontario, Canada.

14. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

15. Entire Agreement

These Terms, along with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and EduProgress.com regarding the use of our Service.

16. Contact Information

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

17. Regulatory Compliance

EduProgress.com is committed to compliance with all applicable Canadian regulations regarding financial education and consumer protection. We are not a registered investment advisor and do not provide regulated financial services.