1. Acceptance of Terms

These Terms of Use govern your access to and use of the Brivanto Zelmosis website, educational materials, and related services. When you access our site or participate in our investment education programs, you're entering into a legal agreement with us.

We reserve the right to modify these terms at any time. Changes become effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

2. Educational Services and Content

2.1 Nature of Our Services

Brivanto Zelmosis provides educational content and resources about investing fundamentals. Our programs, materials, and guidance are designed for educational purposes only and do not constitute financial advice, investment recommendations, or professional financial planning services.

2.2 Educational Content Standards

Our educational materials are developed based on generally accepted investment principles and historical market information. While we strive for accuracy, financial markets change rapidly, and information may become outdated. We make no warranties about the completeness or timeliness of our educational content.

3. User Responsibilities and Conduct

• Provide accurate information when registering for educational programs or services
• Use our educational materials responsibly and for legitimate learning purposes
• Respect intellectual property rights in all our educational content and materials
• Refrain from sharing login credentials or accessing accounts belonging to others
• Comply with all applicable Canadian federal and provincial laws while using our services
• Report any technical issues or content concerns promptly to our support team

3.1 Prohibited Activities

You may not use our services to engage in activities that could harm our platform, other users, or violate applicable laws. This includes attempting to access restricted areas, distributing malware, or using our platform for commercial purposes without authorization.

4. Financial Education Disclaimers

Investment education involves learning about financial concepts that carry inherent risks when applied in real-world situations. Past performance of investments discussed in educational contexts does not predict future results. Market conditions, economic factors, and individual circumstances significantly affect investment outcomes.

• Educational examples used in our programs are hypothetical and for illustrative purposes only
• We do not guarantee specific learning outcomes or investment success from our educational programs
• Students are encouraged to consult qualified financial advisors before making investment decisions
• Our educational content reflects general principles and may not suit all individual circumstances

5. Intellectual Property Rights

5.1 Our Proprietary Content

All educational materials, course content, website design, logos, and proprietary methodologies remain the exclusive property of Brivanto Zelmosis. This includes written materials, video content, interactive tools, and assessment frameworks developed by our team.

5.2 Limited License for Educational Use

We grant you a limited, non-exclusive license to access and use our educational materials solely for personal learning purposes. You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission.

6. Privacy and Data Protection

We collect and process personal information in accordance with Canadian privacy legislation, including PIPEDA (Personal Information Protection and Electronic Documents Act). Our privacy practices are detailed in our Privacy Policy, which forms an integral part of these terms.

6.1 Educational Record Keeping

We maintain records of your educational progress, assessment results, and participation in our programs. This information helps us improve our educational offerings and provide personalized learning recommendations. You have rights regarding your personal information as outlined in our Privacy Policy.

7. Payment Terms and Refunds

7.1 Educational Program Fees

Fees for educational programs are clearly stated during the enrollment process. Payment must be received before access to educational materials is granted. We accept major credit cards and electronic payment methods as specified during registration.

7.2 Refund Policy

We offer a 14-day satisfaction period from the start of most educational programs. If you're not satisfied with the educational content during this period, you may request a full refund. Refunds are processed using the original payment method within 5-7 business days of approval.

8. Limitation of Liability

Brivanto Zelmosis provides educational services and assumes no responsibility for investment decisions made by students or users of our educational materials. Our liability is limited to the fees paid for educational services.

In no event shall our total liability exceed the amount you paid for educational services in the 12 months preceding any claim. This limitation applies to all types of damages, whether direct, indirect, incidental, or consequential.

9. Canadian Law and Jurisdiction

These Terms of Use are governed by the laws of Ontario, Canada, and federal Canadian law where applicable. Any disputes arising from these terms or our educational services will be resolved through the courts of Ontario, Canada.

We operate primarily within Canada and our educational content reflects Canadian financial regulations and tax considerations. International users should consider how content applies to their local financial environment.

10. Term and Termination

10.1 Duration of Agreement

These terms remain in effect while you access our website or use our educational services. Either party may terminate this agreement with reasonable notice, subject to completion of any ongoing educational programs.

10.2 Effect of Termination

Upon termination, your right to access educational materials ends, though you retain the knowledge gained through completed programs. Provisions regarding intellectual property, limitation of liability, and dispute resolution survive termination of these terms.