Terms and conditions
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEBSITE.
By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree, please discontinue use of the site.
These Terms of Use apply to your access and use of this website and any related websites operated by Airfoil Media Inc. (“Airfoil”, “we”, “us”, or “our”) (collectively, the “Site”), including but not limited to the online course and materials branded as Your Money Degree.
1. Ownership of Content and Limited License
All content on the Site—including videos, training materials, downloadable files, graphics, text, images, audio, course materials, and the overall design and arrangement of the Site (the “Content”)—is the property of Airfoil or our third-party licensors and is protected by copyright and other intellectual property laws.
We grant you a limited, nonexclusive, non-transferable license to access and use the Site and Content for your personal, non-commercial use only, subject to these Terms of Use.
You may not reproduce, distribute, modify, publish, display, perform, transmit, create derivative works from, sell, or otherwise exploit any Content without our express written permission.
2. Intellectual Property
All trademarks, trade names, logos, and images (the “Marks”) appearing on the Site— including the “Your Money Degree” name and logo—are the property of Airfoil or are used with permission. Nothing on the Site grants any license or right to use any Marks without our prior written consent.
If you believe your intellectual property has been used on the Site without authorization, please contact us at [email protected] with the relevant details.
3. Accuracy of Information
We make reasonable efforts to provide accurate, current information, but we make no representations or warranties as to the accuracy, completeness, or reliability of the Content. Information may change without notice.
4. Communications and Notices
By registering on the Site, you consent to receive notices, updates, and communications from us electronically, including by email.
5. User Submissions
If you voluntarily submit comments, suggestions, feedback, or other materials (“Submissions”), you grant us a non-exclusive, royalty-free, perpetual license to use such Submissions for the purposes of improving our site, services, or content.
We do not claim ownership of instructional content that you upload solely for your own learning use (e.g., worksheets you complete).
We are not obligated to keep Submissions confidential.
6. Security and Data
We take commercially reasonable steps to protect data on the Site, but no online system is completely secure. You acknowledge that unauthorized access may occur despite our efforts and that you use the Site at your own risk.
7. Privacy
Your use of the Site is also governed by our Privacy Policy. If you do not agree with the Privacy Policy, please discontinue use of the Site.
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8. Disclaimer of Warranties
The Site and all Content are provided “as is” and “as available” without warranties of any kind, express or implied.
We do not guarantee:
uninterrupted or error-free operation of the Site,
that defects will be corrected, or
that the Site or server is free of viruses or harmful components.
Educational content on the Site is for information purposes only and does not constitute personalized financial, legal, or investment advice.
9. Limitation of Liability
To the fullest extent permitted by law, Airfoil and its directors, officers, employees, contractors, and agents shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from your use of—or inability to use—the Site or Content.
Where liability cannot be excluded under applicable law, our total liability to you shall not exceed the amount you paid (if any) for access to the Site or Content in the 30 days preceding the claim.
10. Third-Party Services
The Site may integrate or rely on third-party services such as hosting platforms, learning management systems, or payment processors (e.g., Stripe).
We are not responsible for the performance, security, or reliability of those third-party services. Your relationship with those providers is governed by their own terms and policies.
11. Indemnification
You agree to indemnify and hold harmless Airfoil and its officers, directors, employees, and agents from any claims, damages, liabilities, and expenses arising out of your use of the Site, violation of these Terms of Use, or infringement of third-party rights.
12. Governing Law and Jurisdiction
These Terms of Use shall be governed by the laws of the Province of Ontario and the laws of Canada applicable therein.
You agree that any disputes will be resolved exclusively in the courts of Toronto, Ontario.
13. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
14. Changes to These Terms
We may update these Terms of Use from time to time. Updated versions will be posted on this page with a revised “Last Updated” date. Continued use of the Site after such changes indicates your acceptance of the new terms.