Terms of Service – True North Institute Max

1. Introduction

Welcome to True North Institute Max (“we”, “our”, “us”). These Terms of Service (“Terms”) govern your access to and use of our website truenorthinstitutemax.com, our courses, workshops, and other educational services (collectively, the “Services”).

By enrolling in our programs, accessing our materials, or using our website, you agree to comply with and be bound by these Terms. If you do not agree, you must not use our Services.

2. Eligibility

You must be at least 16 years old to use our Services unless otherwise permitted by applicable laws.
If you are under the age of majority in your province/territory, you must have parental or guardian consent.
By using our Services, you confirm that you have the legal authority to enter into this agreement.

3. Nature of Services

We provide educational programs, financial literacy training, and personal growth resources.
Our Services are for educational purposes only and do not constitute legal, tax, or investment advice.
We do not guarantee specific outcomes or financial results from participation in our programs.

4. Enrollment & Account Responsibilities

Some Services require you to create an account. You are responsible for keeping your login credentials secure.
You must provide accurate, complete, and up-to-date information during registration and maintain it as necessary.
You are responsible for all activities under your account.

5. Fees, Payments & Refunds

All prices are listed in Canadian dollars (CAD) unless stated otherwise.
Payment must be made in full before gaining access to paid programs.
Certain promotions, discounts, or trial offers may be subject to additional terms.
Refunds are handled according to our Refund Policy (available on our website).

6. Intellectual Property Rights

All content provided through the Services — including text, videos, graphics, workbooks, and other materials — is owned by or licensed to True North Institute Max and is protected under copyright and trademark laws.
You are granted a limited, non-exclusive, non-transferable license to access and use the materials for personal educational purposes only.
You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

7. Prohibited Activities

You agree not to:

Share your account or access credentials with others.
Use the Services for unlawful, fraudulent, or harmful purposes.
Upload or transmit viruses, malicious code, or harmful content.
Misrepresent your identity or affiliation with any person or entity.

8. Third-Party Services & Links

Our website or programs may contain links to third-party resources. We are not responsible for the availability, accuracy, or content of these resources, and your use of them is at your own risk.

9. Disclaimers & Limitation of Liability

The Services are provided “as is” and “as available” without warranties of any kind, either express or implied.
To the maximum extent permitted by law, we disclaim liability for any indirect, incidental, or consequential damages, loss of profits, or data arising from the use of our Services.
Our total liability for any claim will not exceed the total amount paid by you for the specific Service in the 12 months preceding the claim.

10. Termination of Access

We reserve the right to suspend or terminate your access to the Services if you violate these Terms or engage in unlawful conduct.
You may stop using the Services at any time, but you remain responsible for all charges incurred prior to termination.

11. Governing Law & Dispute Resolution

These Terms are governed by the laws of the Province of [Province/Territory] and the federal laws of Canada.
Any disputes will first be addressed through good-faith negotiation. If unresolved, they may be referred to mediation or arbitration unless prohibited by law.

12. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with the updated “Last Updated” date. Continued use of our Services after changes constitutes acceptance of the revised Terms.

13. Contact Us

True North Institute Max – Legal Department
📧 legal@truenorthinstitutemax.com