The following Terms of Use are entered into by and between You and Counting Your Pennies(“Company”, “we”, or “us” or “I”).
The following terms and conditions, together with any documents they expressly incorporate by reference (“Terms of Use”), govern your access to and use of www.countingyourpennies.ca, including any content, functionality and services offered on or through www.countingyourpennies.ca (the “Website”), whether as a guest or a registered user.
Copyright & Content
All content on the Website is protected by copyright, trademark and other applicable laws, and are the property of the Counting Your Pennies unless otherwise noted.
The full text of the Copyright Notice is here – Copyright Disclaimers
Disclaimer
The information on this Website is provided as general information and is not intended to be, nor should it be construed as, professional financial, investment, tax, or legal or social work advice. The content presented is for informational purposes only and should not be considered a substitute for consultation with a qualified professional who can address your specific financial situation and goals.
While I am a Registered Social Worker, please note that I am not acting as your personal social worker or providing individualized professional advice through this Website. It is important to consult with a qualified financial professional, tax advisor, legal professional, or social worker who is familiar with your unique circumstances before making any financial decisions or implementing any strategies discussed on this Website.
Although I strive to provide accurate and up-to-date information, I cannot guarantee the correctness, completeness, or suitability of the information for any particular purpose. By using this Website, you agree to assume full responsibility for any decisions or actions taken in reliance on the information provided. Under no circumstances will I be liable for any loss or damage resulting from your reliance on the information contained within this Website.
I recommend that you independently verify any information or recommendations presented here before acting upon them. By using this Website, you agree to indemnify, defend, and hold harmless the Website owner, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses, including reasonable attorneys’ fees and costs, arising out of or in any way connected with your access to or use of the information provided on this Website.
The full text of the disclaimer for the Website is here – Website Legal Disclaimer
Privacy
We respect your privacy and follow the principles of PIPEDA in the collection of Personal Information from you on our Website. Please see our full text of our Privacy Policy here – Privacy Policy.
Email And Other Electronic Communications
Visiting the Website or sending emails to the Company constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email and on the Website, satisfy any legal requirement that such communications be in writing.
We would be pleased to communicate with you by e-mail, and there are various places on this Website that provide you the ability to send an electronic communication to the Company. Any such email or other electronic communication, however, does not create a business relationship or any contractual relationship. As set forth more fully in our Privacy Policy, we will take reasonable steps to ensure that any communications remain confidential, but we cannot guarantee the security of such communications and cannot guarantee that we would not be required to disclose such communications as a result of a court order.
User Communication
The Website may contain chat areas, news groups, forums, communities, comment sections or other message or communication facilities designed to enable you to communicate with the public at large or with a group.
You agree that when using features of the Website that allow for communication by you, that you will not defame, abuse, harass, stalk, threaten or otherwise violate the legal rights of others.
You agree not to publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information, or upload files unless you own or control the rights thereto or have received all necessary consents.
You agree not to advertise or offer to sell or buy any goods or services for any business purpose, or harvest or otherwise collect information about others, including e-mail addresses, without their consent or violate any applicable laws or regulations.
The Company has no obligation to monitor the user communications but reserves the right to review materials posted to the Website and to remove any materials in its sole discretion. The Company reserves the right to terminate your access to any or all of the user communication services at any time without notice for any reason whatsoever and to disclose any information as necessary to satisfy any applicable laws.
Cancellation and Refund Policies
If you are selling services or products directly through the Website, you should restate any of the relevant terms of the sale here including cancellation and refund policies.
Embrace Your Financial Life: A Financial Empowerment Approach Program
Cancellation Policy / Refund Policy For Monthly Payments: If you have enrolled in our signature one-year online program, Embrace Your Financial Life: A Financial Empowerment Approach, and have opted for monthly payments, you have committed to a full year of participation in the program. No refunds will be issued. As such, cancellation requests for this specific program will not result in the termination of the monthly payment obligation. You will be required to continue making payments for the remainder of the one-year term, regardless of your cancellation request. You are responsible to pay for the full cost of the program regardless of whether you continue in the program or not.
No Refund and No Cancellation Policy for Full Payment: If you have enrolled in our signature one-year online program, Embrace Your Financial Life: A Financial Empowerment Approach, and have chosen to pay the full amount upfront, you acknowledge and agree that no refunds or cancellations will be granted under any circumstances. By completing the purchase, you commit to participating in the program for the entire one-year term and accept the no refund and no cancellation policy.
Other Digital Services and Products
Refund Policy: All sales are final. Refunds are not available for any of our products, services, or programs, including Embrace Your Financial Life: A Financial Empowerment Approach, whether you choose to pay in full or through monthly installments. By enrolling in our programs or subscribing to our services, you acknowledge and agree to this refund policy.
No Cancellations or Refunds: Due to the nature of the digital services and products offered through our website, all sales are final. Once you have purchased a digital service or product, we cannot accept cancellations or provide refunds under any circumstances. By completing the purchase, you acknowledge and agree to this policy.
Access to Digital Content: Upon successful completion of your purchase, you will be granted immediate access to the digital content. It is your responsibility to ensure that you have the necessary technology, software, and internet connection to access and use the digital services and products.
One on One In Person or Virtual Financial Coaching
Cancellation and Refund: If you wish to cancel your one-on-one in-person or virtual financial coaching appointment, you must notify the financial coach at least 48 hours prior to the scheduled appointment time by email or the contact form on the website. If your cancellation is confirmed by the financial coach within the stated timeframe, you will not be charged for the session. If you have already paid for the session, you will receive a full refund.
Late Cancellation: Cancellation requests received less than 48 hours before the scheduled appointment time will not be eligible for a refund or waiver of charges.
Payment Requirement: Payment for one-on-one in-person or virtual financial coaching sessions is required before the session starts either online if session is virtual or at the beginning of the in person session.
Intellectual Property Rights: All services and products(digital, online or other) available on or through our website, including but not limited to text, graphics, images, videos, and software, are the property of the website owner or its content suppliers and are protected by international copyright laws. The purchase of digital services or products grants you a limited license for personal, non-commercial use only, and does not transfer any ownership rights or permit any resale or distribution.
Support and Assistance: If you encounter any issues accessing or using the digital services or products, please use the contact form available on our website. I will make reasonable efforts to assist you in resolving the issue; however, this does not constitute grounds for a refund or cancellation.
Changes To the Terms Of Use
I may revise and update these Terms of Use from time to time in my sole discretion. All changes are effective immediately when I post them, and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.
Jurisdiction
This agreement between you, the user, and Counting Your Pennies, shall be governed by, and interpreted in accordance with, the laws of the province of Alberta and the laws of Canada applicable therein. You hereby consent and submit to the exclusive jurisdiction of the courts of the province of Alberta in any proceeding related to this agreement.
Contact Information
We welcome your questions about the Terms of Use. You can contact us here:
Crystal Geran – [email protected]