Terms of Service

1. Acceptance of Terms

Welcome to JawFoattig. These Terms of Service ("Terms") govern your use of our website located at jawfoattig.com and our Canadian pension education services (collectively, the "Service") operated by JawFoattig ("us", "we", or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

These Terms constitute a legally binding agreement between you and JawFoattig. Please read them carefully before using our services.

2. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will:

• Provide at least 30 days notice prior to any new terms taking effect
• Notify you via email or through our website
• Update the "Last Updated" date at the top of these Terms

Your continued use of the Service after the effective date of the revised Terms constitutes acceptance of the new Terms. If you do not agree to the new Terms, please stop using the Service.

3. Description of Services

JawFoattig provides educational services focused on Canadian pension planning and retirement strategies. Our services include:

Educational Courses

• Online courses covering CPP, OAS, workplace pensions, and retirement planning
• Self-paced learning modules with downloadable resources
• Interactive tools, calculators, and worksheets
• Community forums and discussion groups

Information Resources

• Blog articles and educational content
• Newsletter and email updates
• Webinars and online events
• Resource libraries and reference materials

Support Services

• Customer support and technical assistance
• General educational guidance (not personalized financial advice)
• Course completion certificates

4. User Accounts and Registration

Account Creation

To access certain features of our Service, you may be required to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Keep your login credentials secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

Account Responsibilities

You are responsible for:

• All activities that occur under your account
• Maintaining the security of your account credentials
• Any fees or charges incurred through your account
• Complying with these Terms while using your account

Account Termination

We reserve the right to suspend or terminate your account if you:

• Violate these Terms of Service
• Provide false or fraudulent information
• Engage in harmful or abusive behavior
• Fail to pay applicable fees

5. Payment Terms and Refund Policy

Course Fees

Some of our services require payment of fees. When you purchase our courses or services:

• All fees are in Canadian dollars unless otherwise specified
• Payment is due at the time of purchase
• We accept major credit cards and other payment methods as displayed
• All sales are final unless otherwise specified

Refund Policy

We offer a 30-day money-back guarantee for our courses, subject to the following conditions:

• Refund requests must be made within 30 days of purchase
• You must have completed less than 25% of the course content
• Refunds will be processed using the original payment method
• Processing may take 5-10 business days
• Access to course materials will be revoked upon refund processing

Price Changes

We reserve the right to change our pricing at any time. Price changes will:

• Not affect existing purchases or active subscriptions
• Be clearly communicated on our website
• Take effect for new purchases only

6. Intellectual Property Rights

Our Content

The Service and its original content, features, and functionality are owned by JawFoattig and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

This includes but is not limited to:

• Course materials, videos, and written content
• Software, website design, and user interface
• Logos, trademarks, and branding materials
• Calculators, tools, and interactive features
• Research, data, and proprietary methodologies

Limited License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use our course materials for personal, educational purposes
• Download materials for offline study (where permitted)
• Print materials for personal reference

Restrictions

You may not:

• Reproduce, distribute, or sell our content without permission
• Create derivative works based on our materials
• Share your account credentials with others
• Use our content for commercial purposes
• Remove copyright or proprietary notices
• Reverse engineer or attempt to extract source code

User-Generated Content

By submitting content to our Service (reviews, forum posts, feedback), you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and display such content in connection with our Service.

7. User Conduct and Prohibited Uses

You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree not to use the Service:

Prohibited Activities

• To violate any applicable local, provincial, or federal laws
• To transmit, or procure the sending of, any advertising or promotional material without our consent
• To impersonate or attempt to impersonate the company, our employees, another user, or any other person
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service
• To use any robot, spider, or other automatic device to access the Service
• To introduce any viruses, trojan horses, worms, or other material that is malicious or harmful
• To attempt to gain unauthorized access to any portion of the Service
• To share or distribute copyrighted materials without authorization

Community Standards

When participating in our community features (forums, comments), you must:

• Be respectful and professional in all interactions
• Avoid offensive, harassing, or discriminatory language
• Respect others' privacy and confidentiality
• Stay on topic and contribute constructively to discussions
• Report inappropriate behavior to our support team

8. Disclaimers and Warranties

Educational Purpose

IMPORTANT: Our services are for educational purposes only. JawFoattig:

• Does not provide personalized financial, investment, or tax advice
• Does not guarantee specific financial outcomes or results
• Is not a licensed financial advisor, accountant, or legal professional
• Recommends consulting with qualified professionals for personalized advice

No Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. JAWFOATTIG EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability and fitness for a particular purpose
• Non-infringement of intellectual property rights
• Accuracy, reliability, or completeness of information
• Uninterrupted or error-free service
• Security of data transmission

Information Accuracy

While we strive to provide accurate and up-to-date information:

• Government regulations and pension rules change frequently
• Information may become outdated between updates
• Regional variations may apply to pension regulations
• You should verify current information with official sources

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL JAWFOATTIG, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR:

Types of Damages

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Cost of procurement of substitute goods or services
• Business interruption
• Financial losses resulting from reliance on our educational content

Maximum Liability

Our total liability to you for all damages, losses, and causes of action shall not exceed the amount you paid us in the 12 months preceding the claim, or $100 CAD, whichever is greater.

Jurisdictional Limitations

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

10. Indemnification

You agree to defend, indemnify, and hold harmless JawFoattig and its directors, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to:

• Your violation of these Terms
• Your use of the Service
• Your content submitted to the Service
• Your violation of any third-party rights
• Any harmful or illegal activities conducted through your account

11. Termination

Termination by You

You may terminate your account at any time by:

• Logging into your account and following the account closure process
• Contacting our customer support team
• Ceasing to use the Service

Termination by Us

We may terminate or suspend your account and access to the Service immediately, without prior notice, if:

• You breach these Terms of Service
• You engage in fraudulent or illegal activities
• We are required to do so by law
• We decide to discontinue the Service

Effect of Termination

Upon termination:

• Your right to use the Service will cease immediately
• Access to course materials and account data will be revoked
• Provisions of these Terms that should survive will remain in effect
• Outstanding fees and obligations will remain due

12. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices regarding the collection and use of your personal information.

By using our Service, you agree to the collection and use of information in accordance with our Privacy Policy.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Canada and the Province of Ontario, without regard to conflict of law principles.

Any legal action or proceeding arising under these Terms will be brought exclusively in the courts located in Toronto, Ontario, Canada, and you hereby irrevocably consent to the personal jurisdiction and venue therein.

14. Dispute Resolution

Informal Resolution

Before filing a formal dispute, we encourage you to contact us directly to resolve any issues. Most concerns can be resolved quickly through direct communication.

Formal Disputes

If informal resolution is not possible, disputes will be resolved through:

• Binding arbitration in accordance with the rules of the ADR Institute of Canada
• The arbitration will take place in Toronto, Ontario
• The arbitration will be conducted in English
• Each party will bear their own costs unless otherwise awarded

Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions will continue to be valid and enforceable. The invalid provision will be deemed modified to the extent necessary to make it valid and enforceable.

16. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and JawFoattig regarding the use of our Service and supersede all prior and contemporaneous written or oral agreements.

17. Contact Information

If you have any questions about these Terms of Service, please contact us:

We will respond to your inquiry within 5 business days.

18. Acknowledgment

BY USING OUR SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT USE OUR SERVICE.

These Terms are effective as of the date first written above and will remain in effect until terminated in accordance with the terms herein.