Terms of Service

1. Acceptance of Terms

By accessing or using WealthIQ's website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services.

2. Description of Services

WealthIQ is a subscription-based educational platform focused on improving financial awareness, money management habits, and informed decision-making through structured learning and practical tools. Our services include educational content, guided resources, learning modules, worksheets, and community access as described in your selected subscription plan.

3. Educational Disclaimer

Important: WealthIQ provides general financial education and information only. Our content is not intended to be, and should not be construed as, financial, investment, tax, or legal advice. We are not licensed financial advisors, and our educational materials do not constitute personalized financial recommendations. Always consult with qualified professionals before making financial decisions.

4. Account Registration

To access our services, you must:

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

5. Subscription and Payment

By subscribing to WealthIQ:

• You authorize us to charge your payment method on a recurring monthly basis
• Subscription fees are billed in advance each billing cycle
• All fees are non-refundable unless otherwise stated
• You may cancel your subscription at any time; access continues until the end of your current billing period
• We reserve the right to modify pricing with 30 days' notice

6. Cancellation Policy

You may cancel your subscription at any time through your account settings or by contacting our support team. Upon cancellation, you will retain access to the platform until the end of your current billing period. No partial refunds will be issued for unused portions of a billing cycle.

7. Intellectual Property

All content on WealthIQ, including but not limited to text, graphics, logos, videos, courses, worksheets, and software, is the property of WealthIQ or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

8. Acceptable Use

You agree not to:

• Share your account credentials or allow others to access your account
• Copy, distribute, or share our educational content
• Use the platform for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the platform's functionality
• Post harmful, offensive, or inappropriate content in community forums

9. Limitation of Liability

To the fullest extent permitted by law, WealthIQ shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from your use of or inability to use our services, any financial decisions made based on our educational content, or any unauthorized access to your account.

10. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, secure, or error-free, or that any specific financial outcomes will result from using our educational materials.

11. Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms of Service or for any other reason at our sole discretion. Upon termination, your right to use the services will immediately cease.

12. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of material changes via email or through the platform. Your continued use of the services after such modifications constitutes acceptance of the updated terms.

13. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law provisions. Any disputes arising from these terms shall be resolved in the courts of Ontario, Canada.

14. Contact Information

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

Email: [email protected]