Terms of Service

Agreement to Terms

By accessing and using Capitallearning magazine's website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Last updated: January 9, 2026

Use License

Permission is granted to temporarily access the materials (educational content) on Capitallearning magazine's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • Modify or copy the materials
  • Use the materials for any commercial purpose or for any public display
  • Attempt to decompile or reverse engineer any software contained on the website
  • Remove any copyright or other proprietary notations from the materials

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Capitallearning magazine at any time.

Educational Content

Capitallearning magazine provides educational content focused on money management and budgeting habits. Our content is for informational purposes only and:

  • Does not constitute financial advice
  • Should not be considered professional financial planning
  • Is provided "as is" without warranties
  • May not be appropriate for all individuals

Users should consult with qualified financial professionals for personalized advice.

Subscription Services

Billing and Payment

Subscription fees are billed according to the selected plan (monthly, quarterly, or annual). All fees are non-refundable except as required by law.

Auto-Renewal

Subscriptions automatically renew unless cancelled. You will be notified before renewal and can cancel at any time.

Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period.

User Responsibilities

By using our services, you agree to:

  • Provide accurate and complete information
  • Maintain the confidentiality of your account
  • Use the service for lawful purposes only
  • Not engage in any harmful or disruptive activities
  • Respect intellectual property rights

Content Ownership

The educational content, graphics, and materials on Capitallearning magazine are protected by copyright and intellectual property laws. All rights are reserved. You may not reproduce, distribute, or create derivative works without explicit permission.

Privacy and Data

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

Disclaimers

The information on this website is provided on an 'as is' basis. Capitallearning magazine disclaims all warranties, express or implied, including but not limited to:

  • Warranties of merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Accuracy of information

Limitation of Liability

In no event shall Capitallearning magazine or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the website, even if Capitallearning magazine or an authorized representative has been notified orally or in writing of the possibility of such damage.

Governing Law

These terms and conditions are governed by and construed in accordance with the laws of Quebec, Canada, and you irrevocably submit to the exclusive jurisdiction of the courts in that province.

Changes to Terms

Capitallearning magazine may revise these terms of service at any time without notice. By using this website, you are agreeing to be bound by the then current version of these terms of service.

Contact Information

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

Capitallearning Magazine
1058 Rue de la Gauchetière O
Suite 2100
Montréal, QC H3B 4C9
Canada

Phone: +1 (514) 733-0895
Email: [email protected]