1. Acceptance and Modifications

Your use of our website constitutes acceptance of these terms. We may update these terms from time to time to reflect changes in our practices or for legal reasons. When we make changes, we'll update the effective date at the top of this page.

Material changes will be announced through our website or via email if you've subscribed to our communications. Continued use after changes means you accept the updated terms. We recommend checking this page occasionally, especially before enrolling in any program.

2. Use of Our Services

Eligibility

You must be at least 18 years old to use our services independently. If you're under 18, you may use our services only with involvement of a parent or legal guardian who agrees to these terms on your behalf.

Account Responsibilities

When you create an account with us, you're responsible for maintaining the security of your account credentials. Don't share your password with others. You're responsible for all activities that occur under your account. If you suspect unauthorized access, notify us immediately.

Acceptable Use

You agree not to:

• Use our services for any unlawful purpose or in violation of these terms
• Share, distribute, or resell our educational content without explicit written permission
• Attempt to gain unauthorized access to our systems or other user accounts
• Interfere with or disrupt the integrity or performance of our services
• Use automated systems to access our services without our consent
• Impersonate any person or entity or misrepresent your affiliation
• Collect or harvest information about other users

3. Educational Content and Programs

Content Ownership

All educational content, materials, courses, and resources provided through Nyvento Kyn are our intellectual property or that of our licensors. This includes text, graphics, videos, software, and other materials. You receive a limited, non-exclusive, non-transferable license to access and use this content for personal educational purposes only.

Program Enrollment

When you enroll in any of our educational programs, you'll receive specific terms related to that program, including schedules, requirements, and any applicable fees. Our programs typically begin in autumn 2025 or early 2026, with specific dates communicated during the enrollment process.

Content Updates

Financial markets and investing strategies evolve. We reserve the right to modify, update, or discontinue any educational content or program at our discretion. We'll make reasonable efforts to notify enrolled students of significant changes that affect their learning experience.

4. Privacy and Data Protection

Your privacy matters to us. We collect and process personal information in accordance with our Privacy Policy, which is incorporated into these terms by reference. By using our services, you consent to our collection and use of information as described in that policy.

We implement reasonable security measures to protect your data, but no system is completely secure. You acknowledge that you provide information at your own risk.

5. Payment Terms

Fees and Billing

Some of our services require payment. All fees are quoted in Canadian dollars unless otherwise specified. You agree to pay all fees associated with your account and any applicable taxes.

Payment is typically required at the time of enrollment or as specified in program-specific terms. We use third-party payment processors and don't store your complete payment information on our servers.

Refund Policy

Refund policies vary by program and are specified at the time of enrollment. Generally, refund requests must be submitted within a specified timeframe from enrollment or program start date, whichever is applicable. Refunds are processed according to the payment method used for the original transaction.

6. Disclaimers and Limitations

Educational Purpose

Our content is for educational purposes only and should not be considered personalized investment advice. We're not registered investment advisors, and our materials don't constitute recommendations to buy or sell specific securities or investments.

Service Availability

We strive to maintain continuous availability of our services, but we don't guarantee uninterrupted access. Our services are provided "as is" and "as available" without warranties of any kind, either express or implied.

Limitation of Liability

In no event shall Nyvento Kyn, its directors, employees, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. This includes damages for lost profits, data, or other intangible losses.

Our total liability to you for any claims arising from your use of our services is limited to the amount you paid us in the twelve months preceding the claim.

7. User-Generated Content

Some areas of our website may allow you to post comments, questions, or other content. You retain ownership of content you create, but by posting it, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display that content in connection with our services.

You represent that you have the rights to any content you post and that it doesn't violate any third-party rights or applicable laws. We reserve the right to remove any content that violates these terms or that we find objectionable.

8. Third-Party Links and Services

Our website may contain links to third-party websites or services that we don't control. We're not responsible for the content, privacy policies, or practices of any third-party sites. You access them at your own risk.

We may integrate with third-party services for payment processing, analytics, or other functionality. Your use of those services is subject to their respective terms and policies.

9. Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties.

You may terminate your account at any time by contacting us. Upon termination, your right to access our services ceases immediately. Provisions of these terms that by their nature should survive termination will remain in effect.

10. Dispute Resolution

Governing Law

These terms are governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Informal Resolution

Before pursuing formal legal action, we encourage you to contact us to seek informal resolution. Most concerns can be resolved quickly through direct communication.

Jurisdiction

Any legal action or proceeding arising from these terms shall be brought exclusively in the courts located in Quebec, Canada, and you consent to the jurisdiction of such courts.

11. General Provisions

Entire Agreement

These terms, together with our Privacy Policy and any program-specific terms, constitute the entire agreement between you and Nyvento Kyn regarding your use of our services.

Severability

If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these terms otherwise remain in full force and effect.

No Waiver

Our failure to enforce any right or provision of these terms won't be considered a waiver of those rights. Any waiver must be in writing and signed by us.

Assignment

You may not assign or transfer these terms or your account without our prior written consent. We may assign our rights and obligations under these terms without restriction.