What follows is the long, legalese version of our terms and conditions. If you enjoy long, legal descriptions, then grab a cup of coffee, put your feet up, and drill down into the nitty-gritty.

If you’re like us, though, you prefer a cut-to-the-chase summary. Here’s the quick scoop on using our site:

• Everything on the YFL site is provided for informational purposes only. We sincerely hope that the information helps you grow your financial literacy and build your confidence, but we do not in any way guarantee that it will.
• The information provided on this website, in our workshops, on our blog, and in our courses should not be construed as personal financial advice. We accept no liability for the way in which you use the information provided.
• You and you alone are responsible for your results. You must do your own research and make your own decisions before taking action with your finances. We will not be held responsible for any of your outcomes.
• Everything you read or hear on our website, blog, groups, workshops, courses, or speaking engagements is our intellectual property. Please don’t copy, share, or duplicate any part of it without our permission and appropriate attribution. It will make us grumpy and cause us to reach out to our lawyer for remedial measures. We don’t want that and neither do you.
• We do not endorse any member of our money group, speaker, investment, sponsor, advertisement or anything else presented during meetings, events, on the Women’s Money Group forum or on the website.
• We take your privacy seriously. Your information will never be sold or shared with third parties; it will only be used to provide the services you purchase or to send you YFL-related emails. That’s it.
• We use Google Analytics to track information that will allow us to make informed choices about how best to serve our clients. There is no identifying information in the data.
• Our site uses Cookies to help enhance your experience on our site. By using our site, you accept the use of these Cookies. If you wish to block the use of cookies, you may do so in your browser.
• We aspire to being fully compliant with all data protection regulations.
• We love interacting with you. Please reach out to us at info@yourfinanciallaunchpad.com if you have any questions or concerns.

And now, the formal Terms and Conditions:

Terms of Use

Our website (the “Site”), is owned and provided by Your Financial Launchpad, a division of Felicis Holdings Inc (“YFL,” “we” or “us”). Your use and access of the Site and the services offered through the Site is governed by and subject to the following terms and conditions (the “Terms”).

If you do not agree to these Terms, or if you do not agree with our Privacy Policy, https://yourfinanciallaunchpad.com/terms-privacy-cookies/, which is incorporated herein by reference, please do not use the Site or any services offered through the Site. By entering, accessing, browsing, submitting information to, or otherwise using this site and the services and content available therein, you acknowledge and agree to these terms and represent and warrant that you are at least eighteen (18) years old or older and possess the legal right and ability to agree to these terms.

Services Provided

YFL provides content and workshops to help grow people’s financial literacy (“Services”). Services include the Your Foundation to Financial Freedom Course and the Investing Made Simple Course.

Access to certain portions of the Site are restricted to registered users of our Services. As part of our registration process, you must provide us with certain information. We need this information so that we can verify your identity and make the full use of the Services we provide through the Site. Additionally, you are required to provide a credit card number, or other payment information, as well as your name, telephone number(s), email, and/or street address, and other personally identifiable information (“Personal Information”), which will be maintained and used by us as permitted by these Terms and the Privacy Policy.

Registration and Security

You agree, represent, warrant, and guarantee that all Personal Information provided by you is true, accurate, complete, up-to-date, and solely yours. You may not impersonate, imitate, or pretend to be somebody else when registering. When you login, you will be asked to choose a password. You are responsible for safeguarding and maintaining the confidentiality of your password and you agree not to disclose your password to any third party. You will be solely responsible for any activities or actions taken under your account, whether or not you have authorized such activities or actions. You must notify us immediately if you know or suspect that any unauthorized person is using your password or your account (for example, your password has been lost or stolen, someone has attempted to use the Services through your account without your consent or your account has been accessed without your permission). We strongly recommend that you do not use the Services or access Content (defined below) on public computers.

You are solely responsible for all access or visitation to, usage of, or activity on, your account/profile including, but not limited to, use of the account/profile by any person who uses your Personal Information, with or without authorization, or who has access to any computer, mobile, or other device on which your account/profile resides or is accessible. You acknowledge and agree that we may, and you specifically authorize us to, process all transactions, including without limitation purchases and/or registration for products and/or Services, including, without limitation, Content provided by us.

You agree to pay all fees and charges, including applicable taxes and surcharges, incurred through your activity on or through the Site and/or through your account/profile (such fees, charges, taxes, and surcharges shall collectively be referred to as “Fees”). Unless otherwise specified, all Fees will be quoted and charged in Canadian dollars. You must notify us about any billing problems or discrepancy within thirty (30) days after they first appear on your statement; otherwise, you waive any right to challenge or dispute such problem or discrepancy.

Limitations on Use

The Services may be used and accessed for lawful purposes only. You agree to abide by all applicable local, provincial, national, and foreign laws, treaties, and regulations in connection with your use of the Services and Content.

Termination, Modification, and Survival

We are continually evolving and innovating the Services, Content, and the Site. We may change the Services, the Site, the Content (defined below) we offer, and the products or services you may access at any time. We may discontinue offering the Services or the Site and we may suspend or terminate your right to use the Services or the Site at any time, in the event that you breach these Terms, for any reason, in our sole discretion, and without prior notice to you. After such termination, we will have no further obligation to you or to provide the Services, except to the extent we have otherwise agreed in writing.

Upon termination of your right to use the Services or the Site or our termination of the Services or the Site, all licenses and other rights granted to you by these Terms will immediately terminate.

Intellectual Property

The Services, the Site, and all information and/or content that you see, hear, or otherwise experience on the Site (collectively, “Content”) are protected by copyright and other laws. You will not acquire any intellectual property rights in the Services, the Site, or our Content by your use of the Services or the Site. When you use our Services or the Site, you may access intellectual property rights that we, our licensors, or third parties own or license. Subject to your compliance with the terms and conditions of these Terms, we grant you a limited, non-exclusive, non-transferable and revocable license, without the right to sublicense, to access and use the Services and to download and print any Content provided by us solely for your personal and non-commercial purposes.

You may not use, copy, adapt, modify, prepare derivative works based upon, distribute, license, sell, transfer, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit the Services or Content, except as expressly permitted in these Terms, without our express prior written consent. No licenses or rights are granted to you by implication or otherwise under any intellectual property rights owned or controlled by us or our licensors, except for the licenses and rights expressly granted in these Terms. Unless otherwise expressly agreed in writing by us, the Services and Content are only permitted to be used within Canada and the United States of America.

Third Party Links and Resources

We may make available, on the Site and as part of the Services, links to third party websites or resources from third parties on the Site. We are not responsible or liable for the availability or accuracy of such websites or resources, or the content, products, or services on or available from such websites or resources. When we make available such third-party links or resources on the Site or through the Services, you must look solely to the third party with respect to the content, products, or services they provide. Unless otherwise stated, we do not endorse and are not responsible for any of the content, products, or services provided by others. Your use of the websites or resources of third parties is at your own risk. We are not liable for any of your losses arising out of or relating to the websites or resources of third parties.

Disclaimer of Representations and Warranties

Your use of the Services and Content is at your sole discretion and risk. The Services and Content, and all materials, information, products and services included therein, are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind.

In addition, we and our licensors and affiliates disclaim any warranties regarding security, accuracy, reliability, timeliness, and performance of the services or that the services will be error free or that any errors will be corrected

Indemnification

You will indemnify, defend, and hold harmless us, our licensors and affiliates and our respective directors, officers, employees, contractors, agents and representatives, from and against any and all claims, causes of action, demands, liabilities, losses, costs or expenses (including, but not limited to, reasonable attorneys’ fees and expenses) arising out of or relating to any of the following matters:

(a) your access to or use of the Services, the Site, or the Content;

(b) your violation of any of the provisions of these Terms;

(c) any activity related to your account by you or any other person accessing the Site or Services through your account, including, without limitation, negligent or wrongful conduct; or

(d) your violation of any third party right, including, without limitation, any intellectual property right, publicity, confidentiality, property, or privacy right.

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.

Limitation of Liability

In no event will we or any applicable licensors or affiliates be liable to you for any damages whatsoever arising out of or in connection with your use of the services, the site, or the content, whether the damages are foreseeable and whether or not we have been advised of the possibility of such damages in advance. If you are dissatisfied with the services, the site, the content, or these terms, your sole and exclusive remedy is a refund of the amount paid to YFL for services and/or content

Errors and Inaccuracies

The information on the Site may contain typographical errors or other errors or inaccuracies, and may not be complete or current. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice to you. We do not, however, guarantee that any such errors, inaccuracies, or omissions will be corrected.

Entire Agreement

These Terms constitute the entire agreement between you and us relating to our Services, the Site, and the Content, replacing any prior or contemporaneous agreements, whether written or oral, unless you have signed a separate written agreement with us relating to our Services, the Site, or the Content. If there is any conflict between these Terms and a separate signed written agreement between you and us relating to our Services, the Site, or the Content, the signed written agreement will control.

Waiver

The failure by us to enforce any provision of these Terms will not constitute a waiver. If any court of law, having the jurisdiction to decide the matter, rules that any provision of these Terms is invalid or unenforceable, then the invalid or unenforceable provision shall be removed from these Terms or reformed by the court and given effect so as to best accomplish the essential purpose of the invalid or unenforceable provision, and all of the other provisions of these Terms shall continue to be valid and enforceable. Nothing contained in these Terms shall limit the ability of a party to seek an injunction or other equitable relief without posting any bond.

Governing Law, Jurisdiction and Venue

These terms and our relationship with you shall be governed by the laws of the Province of Ontario. You irrevocably agree that the exclusive venue for any action or proceeding arising out of or relating to these terms or our relationship with you regardless of theory, shall be the Provincial Courts located in Ottawa, Ontario, Canada. You irrevocably consent to the personal jurisdiction of these courts and waive any and all objections to the exercise of jurisdiction by these courts and to this venue.

Notwithstanding the foregoing, however, you agree that we may commence and maintain an action or proceeding seeking injunctive or other equitable relief in any court of competent jurisdiction. 

Modification of Terms

We reserve the right to change these Terms at any time. Any changes that we make will become a part of our agreement with you when they are posted to the Site. Your continued use of our Services, or the Site will constitute your agreement to the changes we have made. The last date these Terms were revised is set forth at the end of this document.

Privacy Policy

YFL takes your privacy seriously. We will not sell your personal information to anyone.

By submitting your personal information through the Site, you are consenting to receive e-mails or other applicable information from us. You may unsubscribe from receiving emails from us at any time.

How We Collect Personal Information

We employ commercially reasonable measures to protect your privacy while visiting our Site, endeavoring to provide a useful and productive experience. This Privacy Policy applies to information we collect between you and the Site(s).

How We Use your Personal Information

We may disclose Personal Information that we collect or you provide as described in this Privacy Policy:

• To present our Site and its contents to you.

• To provide you with information or services that you request from us, such as sending you certain information about YFL’s services and offerings.

• To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep Personal Information confidential and use it only for the purposes for which we disclose it to them.

• To fulfill the purpose for which you provide it.

• To comply with any court order, law or legal process, including to respond to any government or regulatory request.

• With your consent.

Collection and Use of Anonymous Information

We may also collect automatic, anonymous information such as browser type and version, browser language, your operating system and platform, and the Internet Protocol (IP) address used to connect your computer to the Internet. This information does not identify you, but is statistical data used for analytical purposes and helps us provide more relevant services to users. For example, we may use this information to administer and troubleshoot issues directly related to the Site, such as Site administration or to analyze certain trends in Site usage.

Cookies

The technology we use to obtain this information includes the use of cookies. Cookies are small files placed on the hard drive of your computer to identify you when you visit a website. You may refuse to accept cookies by activating the appropriate setting on your browser. If you disable or refuse cookies, please note that some parts of this Site may then be inaccessible or not function properly. Unless you have adjusted your browser setting to refuse cookies, our system will issue cookies when you direct your browser to our Site. We may disclose aggregated information about our users, and information that does not identify any individual, without restriction, to better understand our customers and their needs.

Google Analytics

We have enabled Google Analytics, to collect data about our traffic through the use of Google advertisements and other anonymous identifiers. We use Google Analytics cookies and other cookies to compile data to better understand users and provide users with a more tailored experience. You can opt out of Google Analytics by visiting Google’s Opt-Out Browser Add-on website here: https://tools.google.com/dlpage/gaoptout/.

How We Protect Information

We have taken commercially reasonable precautions to protect the data and information under our control from misuse, loss, or alteration. Our security measures include industry standard technology and equipment to help protect your data. Unfortunately, considering the open nature of the internet, no system can ensure complete security and you should take steps to protect your information and transmissions to the Site.

We retain the Personal Information you provide while your account is in existence or as needed to provide you services. We may retain your Personal Information if retention is reasonably necessary to comply with our legal obligations, meet applicable regulatory requirements, or enforce this Privacy Policy. We may retain Personal Information, for a limited period of time, if requested by law enforcement.

Opting Out

If at any time after registering for information, you change your mind about receiving information from us, send us a request to opt out at  support[at]yourfinanciallaunchpad[dot]com.

Links to Third Party Sites

Our Site may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the privacy policy of every website you visit. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites or services.

Policy Updates

We may choose to change this Privacy Policy at any time in our sole discretion. Any updates to our Privacy Policy will be posted on this page, so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it. Continued use of the Site following our posting of the change notice will constitute binding acceptance of those changes.