E-Commerce Terms and Conditions TO PROTECT YOUR OWN INTERESTS YOU MUST READ AND UNDERSTAND THE FOLLOWING IMPORTANT TERMS BEFORE PURCHASING A COURSE(S). A Course(s) consists of a 1 year non-transferable access for personal and non-commercial purposes (other than providing you with information as a sole proprietor, if appropriate, and as intend by the Course) to Course tutorials and a non-transferable license to use 1 copy of the planning tool for personal and non-commercial purposes for life (and we hope you live a long life!) subject to the terms of this agreement. Any license provided to you by this agreement may not be sublicensed or transferred by you. It is strictly prohibited to provide access to the Course or tools to others.   If you are uncertain as to your rights under these Terms or you want any explanation about them please e-mail support@newschooloffinance.com or call 905-808-4317. ***NOT SO FINE PRINT***

• You have the right to cancel the agreement within 10 days. Please see the section 4 below, cooling-off period.

• This course specifically excludes the following industries: long-haul truck drivers, mining, telecommunications, oil & gas, industrial manufacturing.

• Please ensure you have read the Pre-Requisites and Course Restrictions for this course before signing up.

• Tax rates are estimated using Canadian tax rates only (combined federal and provincial)
  • Sole-proprietors outside of Canada can use this course, however, you will need to research the tax rates where you live as the tax rates in this course are estimated using Canadian tax rates only.

• This course is not financial or tax advice. The information in this course is for educational purposes only. You should seek the advice of a qualified professional for financial planning and tax advice and prior to making any financial and tax decisions.

• The information in this course does NOT replace the information in the Income tax act or it’s Regulations.

• The Course(s) requires you to have access to a computer with the ability to video stream (such as play videos currently on You Tube) and the ability to open spreadsheets.

• Reasonable efforts are made to ensure that the materials are current as of the date that the Course(s) are purchased. The Course(s) purchased do not include any updates to the content after the purchase, but may be provided at our sole discretion. You should know that it is common and expected for the regulations, laws and practices governing financial matters to change from time to time.

• For all Quebec residents, the information given in this course is federally oriented and may not take specific tax differences for Quebec into account as Quebec residents may be subject to specific rules that are outside the scope of this course. We invite you to get in touch with us at info@newschooloffinance.com for more information before you purchase to confirm whether this course will suit your needs.

• Les renseignements fournis dans le cadre de ce cours concernent surtout le palier fédéral et peuvent ne pas tenir compte des différentes règles fiscales auxquelles sont soumis les résidents du Québec. Nous vous encourageons à communiquer avec nous à l’adresse info@newschooloffinance.com pour obtenir de plus amples renseignements avant votre inscription, afin de vérifier si ce cours vous convient.

When you purchase a Course(s) from us under these Terms you have legal rights. The law gives you certain legal rights including that the Course(s)  are of satisfactory quality, as described, and fit for their purpose. Nothing in these Terms affects these legal rights.

1. Introduction

1.1    These Terms explain how you may buy the Course(s) from the Site. You should read the following Terms carefully before buying any Course(s). When buying any Courses(s) you agree to be bound by these Terms and the documents referred to in them. If you do not agree with or accept any of these Terms, you will not be allowed to buy any Course(s) unless we agree otherwise. If you have any questions about these Terms, please contact support@newschooloffinance.com. 1.2    We are registered in Canada. We are subject to the authorization scheme as follows: Canada Business Corporations Act. We are registered with the Financial Planning Standards Council. 1.3     We reserve the right to prevent or suspend your access to the Site and or Course(s) if you do not comply with any part of this agreement or any applicable law. 1.4    These Terms are only available in English. No other languages will apply to these Terms.

2. Definitions

2.1    In these Terms, the following words have the following meanings:

2.2    Ordering Courses from the Site 2.2.1   The steps required to create the Contract between you and us are as follows: (a) You place an order on the Site by: (i)  Press “buy now” from sales page on website; (ii)  Review and agree to e-commerce terms and conditions before you pay and                                                     confirm your purchase; (iii) Your confirm your order; (iv) Pay through Gumroad, all confidential payment information is handled through Gumroad and no confidential information is provided to or retained by this Site; (v) You receive a confirmation email with copy of the terms and conditions agreed to   and you receive your log-in info for course material. (b)  When your order is placed with us at the end of the online checkout process, we will e-mail you to acknowledge that we have received your order. This order acknowledgement does not, however, mean that your order has been accepted by us.   (c) We may send you an e-mail to say that we do not accept your order. This is typically for the following reasons: (i)     the Course(s) are not available; (ii)    we cannot obtain authorization of your payment; (iii)   [you are not permitted to purchase the Courses(s)]; (iv)   there has been an error by us on the pricing or description of the Course(s); (d) We will only accept your order when we send you an e-mail that confirms this (“Confirmation E-mail”). At this point, a legally binding contract will be in place between you and us and at this point we will provide you with access to the Course(s)s to you (“Contract”). 2.3    When you order Course(s) from the Site, Specific Terms or Additional Terms or both may apply as follows: 2.3.1   Certain Course(s) that we sell may have specific terms and conditions that apply to it which are set out on the webpage with the course decription (“Specific Terms”). These Specific Terms may include matters relating to the pre-requisites and applicability of the courses. 2.3.2     We may also add to or replace these terms and conditions with additional terms and conditions (“Additional Terms”). This may happen, for example, for security, legal or regulatory reasons. We will e-mail you to let you know if we intend to do this by giving you sixty days’ notice. You may end the Contract at any time by giving one month’s notice if we tell you that Additional Terms will apply to the Contract. 2.4    When placing an order on the Site, you should take care to ensure that all of the information that you provide to us is correct although we appreciate that from time to time errors might be made. Therefore, please ensure that you take enough time to read and check your order before submitting it to us. If you need to correct any errors you can do so before submitting it to us. 2.5   Privacy Policy: these terms include our Privacy Policy which shall be subject to these terms in the event of any conflict or inconsistency

3. Nature of the Course(s) and faulty Course(s)

3.1    The law gives you certain legal rights if any of our Course(s) are faulty. You have rights relating to refunds and to have such Course(s) repaired or replaced if realistically possible. Nothing in these Terms affects these legal rights. 3.2    The appearance and organization and minor content difference(s) of the Course(s) may vary from that shown or described on the Site. 3.3    If we experience difficulties in supplying certain Course(s) we may need to substitute them with alternative Courses of equal or better standard and value. We will try to e-mail you to let you know if we intend to do this but this may not always be possible. You may refuse to accept such substitutes, in which case we will offer you a refund or a replacement and let you know how long such an offer remains open for.

4. “Cooling off” period and your right to cancel the Contract

                                     Your Rights under the Consumer Protection Act, 2002 You may cancel this agreement at any time during the period that ends ten (10) days after the later of the day you receive a written copy of the agreement and the day all the services are available.  You do not need to give the supplier a reason for cancelling during this 10-day period.   In addition, there are grounds that allow you to cancel this agreement.  You may also have other rights, duties and remedies at law.  For more information, you may contact the Ministry of Consumer and Business Services.   To cancel this agreement, you must give notice of cancellation to the supplier, at the address set out in the agreement, by any means that allows you to prove the date on which you gave notice.  If no address is set out in the agreement, use any address of the supplier that is on record with the Government of Ontario or the Government of Canada or is known by you.   If you cancel this agreement, the supplier has fifteen (15) days to refund any payment you have made and return to you all goods delivered under a trade-in arrangement (or refund an amount equal to the trade-in allowance).     4.1    You have a legal right to cancel the Contract during the “cooling off” period set out in this clause 4. During the “cooling off” period if you decide that, for whatever reason, you no longer want the Courses that you have bought you may tell us that you want to cancel the Contract and obtain a refund. 4.2        Your right to cancel the Contract starts from the date when the Contract is entered into in accordance with Clause [2.2.1.d] (i.e., when the Confirmation E-mail is sent by us). If you have already received access to the Course(s), you have a “cooling off” period of 10 days when you may cancel the Contract. This 10-day period starts to run the day after you receive access to the Course(s); and 4.3    Please contact us if you want to cancel the Contract. You can e-mail or telephone, at the e-mail address and telephone number set out here: New School of Finanance, 51 Wolseley, Unit 411, Toronto ON M5T 1A4, support@newschooloffinance.com, 905-808-4317. 4.4    As soon as possible after you contact us to cancel the Contract (and, in any event, within 15 calendar days) we will refund the price of the Course(s). Any refunds will be made on the debit card or the credit card which you used to pay for the Course(s). 4.5    If you have already received the Course(s) (for example, if the Course(s) have been delivered to you) you must return them to us as soon as possible. You have a legal duty to keep the Course(s) and Content in your possession, to take reasonable care of them and not provide access to others.

5. Delivery

5.1    The estimated date for access to the Course(s) will be set out in the Confirmation E-mail. If something happens which is outside of our control and which affects the estimated date of access, we will provide you with a revised estimated date for access to the Course(s). Unless you and we agree otherwise, if we cannot deliver your Course(s) within 30 days of the Confirmation E-mail, we will e-mail you to let you know and we will cancel your order. 5.2    Delivery of the Course(s) will take place when we provide you access by way of the Confirmation E-mail. If you are unable to obtain access to the Course(s) or decided not to obtain access, please e-mail support@newschooloffinance.com. You are deemed to have obtained access to the Course(s) once you have been provided with the information to access the Course(s).

6. Payment

6.1    You pay for the Course(s) by using Gumroad accessed through the Site. 6.2    We will do all that we reasonably can to ensure that all of the information which you provide to us when paying for the Course(s), we note that payment for the Courses is by Gumroad and we do not receive any confidential payment information. In the absence of negligence on our part we will not be liable for any loss that you may suffer if a third party gains unauthorized access to any information that you provide to us and/or Gumroad. 6.3    Your credit card or debit card or payment method, if applicable, will   be charged by Gumroad prior to being provided access to the Course(s). 6.4    All payments by credit card, debit card or payment method need to be authorized by the relevant card issuer or payment provided. If your payment is not received by us and/or Gumroad and you have already received access to the Course(s) that you ordered from us, you must pay for such Course(s) within [30] days or must delete or destroy all of and any part of the Course(s) in your possession or any copies made by you in any format including electronic, paper etc. If you do not pay for the Course(s) or your license or access is terminated in accordance with this agreement you must or delete/destroy your copies of the Course(s) in accordance with this clause. We may take the legal steps to arrange for the delivery up or destruction of the Course(s) at your expense. We will e-mail you to let you know if we intend to do this 6.5    Nothing in this clause affects your legal rights to cancel the Contract during the “cooling off” period under Clause 4. 6.6    The price of the Modules(s): 6.6.1   includes GST at the applicable rate (or GST and applicable provincial taxes may be added); 6.6.3   is quoted in Canadian dollars ($).

7. Ownership, use and intellectual property rights

7.1        This Site and all intellectual property rights in the Site (including without limitation any Content) are owned by us and/or our licensors. We and our licensors reserve all our intellectual property rights (which include without limitation all copyright, trademarks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind) whether registered or unregistered anywhere in the world. No access provided to any Content or Course(s) transfers any intellectual property rights to you. Any access provided is based on a personal, non-transferable license to use the Content for personal non-commercial purposes. Any use of this site for non-personal and commercial purposes will result in access to the materials being terminated. You may not copy any videos and tutorials and Course content (other than the tools) may only be accessed from the Site. 7.2    Nothing in these terms and conditions grants you any rights in the Site, Content or any Course(s) other than as necessary to enable your to access the Site and Course(s) in accordance with this agreement. You agree not to adjust to try to circumvent or delete any intellectual property notices contained on the Site and in particular in any digital rights or other security technology embedded or contained within any Site Content. 7.3    Trademarks: THE NEW SCHOOL OF FINANCE and SOLE-PROP SCHOOL are our trade-marks and/or the trademarks of Shannon Simmons used under license.  Other trademarks and trade names may also be used on this Site. The use or misuse of any trade-marks or any other Content on the Site except as provided in these terms and conditions is strictly prohibited. Nothing contained on the Site shall be construed as granting, by implication, estoppel or otherwise, any licence or right to use any trademark without our prior written permission. 7.4    You  agree not to reverse engineer, decompile, copy, modify, distribute, transmit, license, sublicense, display, revise, perform, transfer, sell or otherwise make available to any third party or otherwise publish, deep-link, create derivative works from or exploit in any way the Site, Course(s) or its Content except as permitted by us under these terms or as expressly provided under applicable law and/or under any Additional Terms;

8. Termination of the Contract

8.1    If the Contract is terminated it will not affect our right to receive any money which you owe to us under the Terms.

9. Limitation on our liability

9.1    Except for fraud or fraudulent misrepresentation and to the extent permitted by law we will only be liable for any loss or damage which is a reasonably foreseeable consequence of a breach of these Terms. Losses are foreseeable where they could be contemplated by you and us at the time these Terms are entered into. We are not responsible for indirect losses which happen as a side effect of the main loss or damage and which are not foreseeable by you and us (such as loss of profits, or loss of opportunity).   9.2    To the maximum extent permitted by applicable law, we exclude all liability (whether arising in contract, tort, breach of statutory duty or otherwise) which we may otherwise have to you as a result of any error or inaccuracies in any Content, the unavailability of the Site and the Course(s) for whatsoever reason, and any representation or statement made on the Site.   9.3    We will not be liable for any loss or damage we cause which we could not reasonably anticipate when you started using the Site, for example if you lose revenue, salary, profits or reputation as a result of your use of the Site and/or the acts or omissions of any third party such as other users of the Site or any other indirect or consequential loss or damage you may incur in relation to the Site, the Course(s) and its Content.   9.4    Under no circumstances shall our aggregate liability to you for any and all claims arising from your use of the Site and Course(s) (including the downloading or use of any Content) $2,000.00.   9.5    Notwithstanding any other provision of these terms and conditions, we do not exclude or limit our liability for death or personal injury arising from our negligence, for any fraudulent misrepresentation made by us on the Site or for any other statutory rights which are not capable of being excluded.   9.6    Any exclusions and limitations of liability in these terms shall be subject to the Additional Terms in respect of matters covered by those Additional Terms and as otherwise required by law.

10. Disputes and Language

10.1  The parties acknowledge that this Agreement shall be governed by the laws and the Courts in and of the Province of Ontario.   10.2  The parties acknowledge that they have required that the Terms and all related documents be prepared in English. Les parties reconnaissent avoir exigé que les présentes modalités de vente et tous les documents connexes soient rédigés en anglais.