Terms & Conditions

1. Introduction and Acceptance

These Terms and Conditions ("Terms") govern your use of Ledger Learning's financial education programs and services ("Services"). By enrolling in our programs, accessing our website, or using our Services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use our Services.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Ledger Learning ("we," "us," or "our"), a financial education provider operating in Toronto, Ontario, Canada.

2. Definitions

• "Services" refers to all financial education programs, courses, materials, email support, and related offerings provided by Ledger Learning.
• "User" or "Participant" refers to any individual who enrolls in or accesses our Services.
• "Content" refers to all educational materials, workbooks, exercises, videos, text, and other information provided through our Services.
• "Website" refers to ledgerlleearnhf.biz and all associated pages and platforms.
• "Account" refers to the user profile created upon enrollment in our programs.

3. Use of Services

3.1 Eligibility

You must be at least 18 years of age to enroll in our programs. By using our Services, you represent and warrant that you are of legal age and have the capacity to enter into these Terms.

3.2 Account Responsibility

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other security breach.

3.3 Accuracy of Information

You agree to provide accurate, current, and complete information during enrollment and to update such information as necessary. We reserve the right to suspend or terminate accounts that contain false or misleading information.

4. Prohibited Uses

You agree not to use our Services for any of the following purposes:

• Violating any applicable local, provincial, national, or international law or regulation
• Infringing upon or violating our intellectual property rights or the intellectual property rights of others
• Transmitting any harmful code, viruses, or malicious software
• Attempting to gain unauthorized access to our systems, networks, or accounts
• Engaging in any fraudulent, abusive, or harassing behavior
• Sharing account credentials or providing access to unauthorized third parties
• Using automated systems or software to extract data from our Services without permission
• Reselling, distributing, or commercially exploiting our Content without written authorization

5. Intellectual Property

5.1 Ownership

All Content, including but not limited to educational materials, workbooks, exercises, videos, text, graphics, logos, and software, is the property of Ledger Learning or its content suppliers and is protected by Canadian and international copyright laws.

5.2 License Grant

Upon enrollment, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Content solely for your personal, non-commercial educational purposes. This license does not permit you to reproduce, distribute, modify, or create derivative works from our Content.

5.3 Usage Restrictions

You may not copy, reproduce, distribute, publish, display, or create derivative works from our Content without our express written permission. You may download and print Content for your personal use only.

6. Payment Terms

6.1 Fees

Program fees are stated in Canadian Dollars (CAD) and are due at the time of enrollment. All fees are inclusive of applicable taxes unless otherwise stated.

6.2 Payment Methods

We accept payment through credit card, debit card, and other methods as specified on our website. Payment processing is handled securely through third-party payment processors.

6.3 Price Changes

We reserve the right to modify program fees at any time. Price changes will not affect enrollments already completed. New pricing will be clearly communicated on our website before taking effect.

7. Refund Policy

7.1 Refund Timeframe

We offer a 14-day refund period from the date of enrollment. To request a refund, you must contact us at [email protected] within this period.

7.2 Non-Refundable Items

Refunds will not be issued if you have completed more than 50% of the program content or if you have violated these Terms.

7.3 Processing Time

Approved refunds will be processed within 10 business days and returned using the original payment method.

8. Educational Nature of Services

Our Services provide financial education and are not financial advice, investment recommendations, or professional financial planning services. We do not provide personalized financial advice tailored to your specific circumstances. Any decisions you make based on our educational content are your sole responsibility. We strongly recommend consulting with licensed financial professionals before making significant financial decisions.

9. Disclaimers and Limitations of Liability

9.1 "As Is" Provision

Our Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that our Services will be uninterrupted, error-free, or free of harmful components.

9.2 No Guarantee of Results

While we strive to provide high-quality educational content, we make no guarantees regarding specific outcomes, financial results, or improvements in your financial situation. Individual results depend on many factors beyond our control.

9.3 Limitation of Liability

To the maximum extent permitted by Canadian law, Ledger Learning shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Services. Our total liability shall not exceed the amount you paid for the specific program giving rise to the claim.

10. Termination

10.1 Termination by User

You may terminate your enrollment at any time by contacting us. Termination is subject to our refund policy outlined in Section 7.

10.2 Termination by Ledger Learning

We reserve the right to suspend or terminate your access to our Services immediately, without prior notice, if you violate these Terms or engage in conduct that we deem harmful to our business or other users.

10.3 Effects of Termination

Upon termination, your right to access and use our Services will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including intellectual property rights, disclaimers, and limitation of liability.

11. Dispute Resolution

11.1 Informal Resolution

If you have a concern or dispute, please contact us first at [email protected]. We will attempt to resolve the matter informally within 30 days.

11.2 Mediation

If informal resolution is unsuccessful, the parties agree to attempt resolution through mediation before pursuing other legal remedies.

11.3 Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any legal action or proceeding arising from these Terms shall be brought exclusively in the courts located in Toronto, Ontario.

12. General Provisions

12.1 Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Ledger Learning regarding your use of our Services.

12.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

12.3 No Waiver

Our failure to enforce any right or provision of these Terms shall not be considered a waiver of those rights or provisions.

12.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

12.5 Notices

Notices to Ledger Learning should be sent to [email protected]. We may provide notices to you via email to the address you provided during enrollment or by posting notices on our website.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of significant changes by posting a notice on our website or sending you an email. Your continued use of our Services after such modifications constitutes your acceptance of the updated Terms. We recommend reviewing these Terms periodically.

14. Contact Information

If you have questions or concerns about these Terms, please contact us: