Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legal agreement between you and Knowledge Empower Inc. ("Company," "we," "our," or "us") regarding your use of our website, services, and educational content.

By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, do not use our services.

2. Description of Services

Knowledge Empower provides online educational services focused on Canadian stock market investing, including:

• Online courses and educational content
• Investment research and market analysis
• Newsletter and blog content
• Community forums and discussion groups
• Educational webinars and workshops

3. Educational Purpose and Investment Disclaimer

3.1 Educational Nature

Our services are strictly for educational purposes. We provide general information about investing and financial markets but do not provide personalized investment advice.

3.2 Not Financial Advice

Content provided through our services should not be considered as financial, investment, or tax advice. Always consult with qualified financial professionals before making investment decisions.

3.3 Risk Disclosure

Investing in stocks and securities involves risk of loss. Past performance does not guarantee future results. You are solely responsible for your investment decisions and their outcomes.

4. User Accounts and Registration

To access certain services, you may need to create an account. You agree to:

• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use
• Accept responsibility for all activities under your account
• Be at least 18 years of age or the age of majority in your jurisdiction

5. Course Enrollment and Payment Terms

5.1 Course Access

Upon successful payment, you will receive access to enrolled courses for the duration specified in the course description.

5.2 Payment Terms

• All prices are in Canadian dollars (CAD) unless otherwise specified
• Payment is due in full before course access is granted
• We accept major credit cards and other specified payment methods
• Subscription services automatically renew unless cancelled

5.3 Refund Policy

We offer a 30-day money-back guarantee for course purchases. Refund requests must be submitted within 30 days of purchase through our customer service.

6. Intellectual Property Rights

6.1 Our Content

All content, including text, graphics, videos, audio, logos, and software, is owned by Knowledge Empower or our licensors and protected by copyright and trademark laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our content for personal educational purposes only.

6.3 Prohibited Uses

You may not:

• Copy, distribute, or reproduce our content without permission
• Use content for commercial purposes
• Share login credentials with others
• Create derivative works from our content
• Remove copyright or proprietary notices

7. User Conduct and Community Guidelines

When using our services, you agree not to:

• Violate any applicable laws or regulations
• Post false, misleading, or defamatory content
• Harass, abuse, or threaten other users
• Share spam or unsolicited commercial content
• Attempt to hack or compromise our systems
• Impersonate others or misrepresent your identity
• Share illegal or inappropriate content

8. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy, which is incorporated into these Terms by reference, explains how we collect, use, and protect your information.

9. Disclaimers and Limitation of Liability

9.1 Service Availability

We strive to maintain service availability but cannot guarantee uninterrupted access. Services may be temporarily unavailable due to maintenance, updates, or technical issues.

9.2 Content Accuracy

While we endeavor to provide accurate information, we make no warranties about the completeness, accuracy, or timeliness of our content.

9.3 Limitation of Liability

To the maximum extent permitted by law, Knowledge Empower shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

10. Indemnification

You agree to indemnify and hold harmless Knowledge Empower, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

11. Termination

11.1 Termination by You

You may terminate your account at any time by contacting our customer service or using account settings.

11.2 Termination by Us

We may suspend or terminate your access to our services if you violate these Terms or engage in conduct harmful to our community.

11.3 Effect of Termination

Upon termination, your right to access our services ceases immediately. Provisions regarding intellectual property, disclaimers, and limitation of liability survive termination.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of Ontario, Canada. Any disputes arising from these Terms or our services shall be resolved through binding arbitration in Toronto, Ontario, or in courts of competent jurisdiction in Ontario.

13. Changes to Terms

We may update these Terms periodically. Material changes will be communicated through our website or email. Your continued use of our services after changes constitutes acceptance of the revised Terms.

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

15. Contact Information

For questions about these Terms of Service, please contact us: