Terms and Conditions
ONLINE COURSE AGREEMENT
Welcome to the self-paced online course. This Online Course Agreement (“Agreement”) is between 84603 5830 RT0001 operating as Slate Marketing & Financial Services (OR “Company”) and the registered participant user of the Services (“Client” OR “You”), collectively the “Parties”. This Agreement sets out the expectations for what it will be like for Client to participate in the online self-paced course provided by Company. For mutual consideration, the receipt and sufficiency of which is acknowledged, the Parties agree to the terms and conditions set out below.
By registering for the Services, Client confirms that they have read, understood and agreed to accept all of the terms and conditions in this Agreement.
TERMS OF AGREEMENT
Company will provide the Services, beginning on the Client’s purchase date and continue until the Services are completed. (“Term”).
Company will provide Client with the following services as part of the online self-paced Course (collectively, “Services”):
10 Modules of Self study Information
It is expected that Client will be respectful and cooperative towards Company and to fellow participants in any online public or private forums included as part of the Services. If at any time Company, in their sole discretion, determines that Client is not acting in accordance with these expectations, Company will provide written notice of termination of the Agreement effective immediately, without refund, and any payments owing towards the Fee will immediately become due.
Client will not make any false, disparaging or derogatory comments or statements in public or private regarding Company, its programs, teachers, employees or agents. Company may, in its sole discretion, terminate this Agreement in the event Client is in breach of this section.
FEES AND PAYMENT
Fee and Payment
The total fee for the Services is as set in above terms and is payable in CDN plus all applicable sales taxes (“Fee”) if paid in full upon registration.
Payment Method Company accepts payment either by Stripe. Please note that there may be processing fees charged for using certain payment methods.
Credit Card Authorization Client acknowledges and authorizes Company to automatically charge their credit card provided to Company for all payments owing under this Agreement. Client authorizes Company to charge all payments to Client’s credit card at the time payment is due and no separate authorization is required. If Client cancels or replaces credit card, Client must immediately provide Company with new credit card information.
Late Payments If any payment is not received on the payment due date, Company may revoke access to the Services until any outstanding payment is received in full. Client will be charged a late fee of 2% compounding monthly, equaling 24% annually, on all outstanding invoices starting from the payment due date.
CANCELLATION AND REFUNDS
Cancellation by Client
In the event Client wishes to cancel the Services at any time, any outstanding payments of the Fee owing under this Agreement will immediately become due and payable to Company, whether or not Client participated in the Services.
Client is not entitled to any refund of the Fee, including the Deposit.
Termination of Agreement
This Agreement will end when Client has paid the Fee in full to Company and Company has performed the Services as set out in this Agreement. Any provisions that survive the termination of this Agreement will remain in full force.
CONFIDENTIALITY AND PRIVACY
Confidentiality and Non-Disclosure
Client understands that as part of the Services, certain confidential information may be disclosed either orally or in writing. For the purpose of this Agreement, “Confidential Information” means information that is of value and is treated as confidential and proprietary by its owner, and includes but is not limited to, Company and all course materials, business records, financial data, resources, content, marketing strategies, advertising campaigns, inventions, client lists, personal data, intellectual property, trade secrets and the contents of this Agreement (“Confidential Information”). Client agrees not to disclose to any other person or entity or make use of the Confidential Information without the express written consent of the other, except to the extent that such disclosure is necessary to carry out their duties under this Agreement or as required by law. At the end of the Term or early cancellation of this Agreement, each Party will remain bound by their duty of confidentiality to the other.
Ownership and Use of Materials
Client acknowledges that all content and materials used and distributed in providing the Services, including any content, videos or resources on Company’s website, social media platforms and member portal (“Materials”) belongs exclusively to Company, who is the sole copyright owner of the Materials, unless stated otherwise. By receiving any unique and original materials from Company as part of the Services, Company will grant a limited non-exclusive royalty-free license to Client for their use only and as directed by Company. Client is strictly prohibited from reproducing any part of the written, video, and audio digital materials or sharing them with others without Company’s explicit permission to do so. All of Company's intellectual property, including copyrighted materials and trademarks, will remain the sole property of Company.
Client will not capture any of the modules and/or coaching sessions in any way, including but not limited to video recording, photography, voice recording or screen shots. Any recordings provided by Company will be for Client’s own use only and Client agrees they will not duplicate or share the recordings with any other person.
RELEASE, INDEMNITY AND WAIVER
PLEASE READ CAREFULLY. It is important Client fully understands that there are risks associated with the Services, and ask questions as needed. Client acknowledges and understands that they are waiving certain legal rights by signing this Agreement.
Voluntary Assumption of Risks Client acknowledges there are certain inherent risks associated with Company providing the Services, including, but not limited to financial, physical, emotional, spiritual loss and damages and Client voluntarily assumes such risks. Should Client make any financial decisions based on course learnings, client is solely responsible for those decisions, the Company has no responsibility for actions taken by client after or during this course and it’s teachings. Should Client have any concerns or doubts about ability to participate or receive Company’s Services, Client will contact Company immediately to inform them of any concerns. Client confirms they have full capacity and are the age of majority in their jurisdiction of residence to enter into this Agreement.
SLATE MARKETING & FINANCIAL SERVICES IS NOT AN INVESTMENT ADVISORY SERVICE AND DOES NOT PROVIDE PERSONALIZED FINANCIAL ADVICE OR ACT AS A FINANCIAL ADVISOR. NONE OF THE INFORMATION PROVIDED IN THE PROGRAM IS INTENDED AS INVESTMENT, TAX, ACCOUNTING OR LEGAL ADVICE, AS AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL, OR AS AN ENDORSEMENT, RECOMMENDATION OR SPONSORSHIP OF ANY COMPANY, SECURITY, FUND, OR OTHER OFFERING. THE INFORMATION ON THE WEBSITE SHOULD NOT BE RELIED UPON FOR PURPOSES OF TRANSACTING SECURITIES OR OTHER INVESTMENTS. CLIENT IS RESPONSIBLE FOR CONSULTING TAX, LEGAL, ACCOUNTING, FINANCIAL, OR OTHER PROFESSIONALS OR ADVISORS FOR ANY SUCH ADVICE.
No Warranty Client acknowledges Company makes no warranty or guarantees that the Services will lead to any specific Client goal, financial success or particular results and Company makes no promise that each Client will experience the same or similar results. The materials, videos and content distributed by Company as part of the Services are general in nature and intended as educational tools. However, Company does not guarantee that the information is comprehensive in its coverage or that it is suitable in dealing with a Client’s particular situation. It is hereby understood that the information provided in the Services should not be relied upon as a substitute for independent research and seek professional advice. Company cannot warrant that the material contained as part of the Services will continue to be accurate, financial data up to date, nor that it is free of errors when published and distributed. Client should verify statements before relying on them and making further financial decisions. Client acknowledges that the Services provided are provided without any express or implied warranties or guarantees of any kind.
YOUR USE OF THE INFORMATION CONTAINED HEREIN IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED 'AS IS' AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. THE COMPANY DOES NOT PROMISE OR GUARANTEE ANY INCOME OR PARTICULAR RESULT FROM YOUR USE OF THE INFORMATION CONTAINED HEREIN. YOU HEREBY WAIVE ANY AND ALL CLAIMS AND WEALTH FACTORY ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION CONTAINED HEREIN.
Client acknowledges and agrees that Company’s Services are general in nature and solely for educational purposes. Company is not providing specific or personalized advice to Client with respect to their legal, financial, accounting, investing, or other advice as part of the Services. Client’s use and implementation of the information comes at their own risk and is their own responsibility. Further, Company does not have any responsibility for updating or revising any information presented in the Services or to ensure it is accurate and up to date. If Client desires professional services that exceed the scope of the Services, Company strongly encourages Client to seek specific legal, business, financial or accounting advice from certified and/or licensed professionals. No specific client-consultant relationship is formed as part of the Services.
In the event Client wishes to hire Tara Murphy for additional professional services, Client must contact Company to inquire about entering into a separate agreement with Company. Client acknowledges that this program is not a client consultancy agreement and does not expect any outside support unless another contract is discussed outside of this course. Client understands that no specific advice is given or relationship is formed until Company is retained in their professional capacity, which exceeds services of this course.
No Earnings or Savings Guarantee Client acknowledges Company makes no warranty or guarantee that Services will lead to any specific earnings, savings, business growth or financial results or that Client will experience the same or similar results as others who use the Services.
Release, Waiver, and Indemnity
Client releases, indemnifies and saves harmless Company, its directors, officers, agents, employees, contractors, volunteers, heirs, executors, administrators, successors, and assigns, as applicable (collectively, “Released Parties”) from any and all liability and damages arising from the Services, including financial damages or personal injuries, however caused, including negligence, during Client’s engagement of Company for the Services. Client further agrees to forfeit all forms of legal recourse which may be available to Client, including but not limited to any form of damages, costs, losses or expenses as a result of the Services. Client acknowledges this release of liability is binding on Client’s heirs, executors and anyone else who may be able to bring a legal action on Client’s behalf in the future. This clause survives the expiration or early termination of this Agreement.
Limitation of Liability
In the event Company is found liable for any reason for damages arising directly or indirectly from this Agreement, liability will be limited to the greatest extent possible in the governing jurisdiction and in no case exceed the Fee paid by Client to Company. Client acknowledges any claims will be paid at their own expense.
Client grants to Company an irrevocable, worldwide, perpetual and unrestricted right to use any media, such as photographs, video, audio recordings or social media posts, whether captured by Client, Company or third party in relation to this Agreement and for any lawful purpose, including in its online or printed advertising or marketing materials and on all social media platforms, with or without reference to Client and without further notice, grant of permission or right to any financial compensation.
Relationship of Parties Nothing in this Agreement will be understood to create an employment, joint venture or partnership relationship between Company and Client.
Third-Party Authorization Company is permitted to hire, in their sole discretion, assistants, employees or third-party contractors to assist in delivering the Services.
Good Faith Each Party agrees it has acted in good faith and will continue to do so during the Term of this Agreement. This extends to good faith during any dispute resolution process.
Governing Law and Jurisdiction
This Agreement is governed by and interpreted in accordance with the laws of Ontario and the federal laws of Canada where applicable. Any disputes arising directly or indirectly from this Agreement will be submitted and heard exclusively in the courts of Toronto, Ontario.
In the event any dispute arises between the Parties in relation to this Agreement or a breach of this Agreement and the dispute is not resolved by negotiation, the Parties agree to submit the dispute for mediation prior to pursuing any other available remedy in relation to the dispute. The Parties may agree to virtual mediation, when available.
Neither Party will be responsible for delays resulting from causes beyond their reasonable control, including without limitation fire, explosion, floods, storms, pandemics, state of emergency, hazardous situations, war, strike, or riot, and either Party may choose to excuse themselves from further performance of their obligations under this Agreement if such occurrence materially affects the performance of Services. The Party relying on Force Majeure will give the other Party reasonable notice of their desire to terminate or suspend the Services. Notwithstanding, all payments owing for Services rendered will remain due and payable with such amount to be determined by Company.
Any notice to be given under this Agreement must be directed to the other Party using the contact information first set out above or as may otherwise be directed (“Notice”). For the purposes of this Agreement, e-mail will be considered sufficient for delivery of Notice. Notice will be deemed to be delivered on the date and time when the Notice is sent.
This Agreement may not be assigned by Client to any other party.
If any of the provisions of this Agreement are found to be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions will not, to the extent permitted by law, in any way be affected and will remain enforceable.
Waiver of Breach
The waiver by one Party of any breach of this Agreement by the other Party will not be taken to be a waiver of any future breaches by the breaching Party. The non-breaching Party reserves the right to exercise or enforce their rights at a later date.
The Parties may only amend this Agreement by mutual written agreement.
Any term of this Agreement which addresses performance or observance following the early termination or expiration of this Agreement will survive and will continue to be in full force and effect. All things considered confidential during the Term will survive and always remain confidential.
This Agreement constitutes the full agreement between the Parties and supersedes any prior negotiation, understanding or Agreement between the Parties, whether oral or written, on the matters contained in this Agreement.
Electronic Confirmation of Acceptance
By electronically confirming acknowledgment and acceptance of this Agreement, Participant confirms they accept the terms and conditions set out above and that this will constitute a signed and legally binding Agreement.