Term of Use

Welcome to InvestingSmart.ca (the “Website”), operated by InvestSmart Inc. (“InvestSmart,” “we,” “our,” or “us”). By accessing, browsing, subscribing to, or otherwise using this Website or any services, features, or content provided through it (collectively, the “Services”), you (“User,” “you,” or “your”) agree to be legally bound by the following Terms of Use (“Terms”).

If you do not agree to these Terms, you must not use the Website or Services.

1. Eligibility and Access

You must be at least 18 years of age (or the age of majority in your jurisdiction) to access and use the Services.
By using the Services, you represent and warrant that you meet these eligibility requirements and have the legal capacity to enter into a binding contract.

2. No Financial Advice

InvestSmart is an educational platform only. The content, resources, and tools provided are for informational and educational purposes and should not be construed as financial, investment, tax, or legal advice.
We are not registered investment advisors, brokers, or dealers under Canadian or foreign securities laws.
You acknowledge and agree that any investment decisions you make are solely at your own risk, and you are encouraged to seek professional advice from licensed advisors before making financial decisions.

3. Accounts and Security

To access certain features, you must create an account and provide accurate, current, and complete information.
You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.
You must promptly notify us of any unauthorized use of your account.

4. Subscriptions and Payments

Subscription plans, including pricing and features, are described on the Website.
Fees are charged on a monthly or annual basis, depending on the plan selected.
Payments are processed through third-party payment providers.
All fees are non-refundable, except as required under applicable law.

5. Intellectual Property

All content available on the Website, including but not limited to text, graphics, videos, logos, software, and designs, is the exclusive property of InvestSmart Inc. or its licensors.
You are granted a limited, non-exclusive, non-transferable license to use the Services for personal, non-commercial purposes only.
You may not copy, reproduce, distribute, modify, create derivative works from, or publicly display any content without our prior written consent.

6. Acceptable Use

You agree not to:

Use the Services for unlawful, fraudulent, or unauthorized purposes.
Interfere with or disrupt the Website’s security, servers, or networks.
Upload viruses, malware, or harmful code.
Engage in scraping, data mining, or automated data collection without authorization.

7. Third-Party Links

The Website may contain links to third-party websites or resources. We do not endorse and are not responsible for the availability, accuracy, or practices of such third parties. Accessing third-party sites is at your own risk.

8. Limitation of Liability

To the maximum extent permitted by law:

InvestSmart shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or relating to your use of the Services.
We make no warranties or representations regarding the accuracy, completeness, or reliability of the Website or its content.
Your use of the Services is provided on an “as is” and “as available” basis.

9. Indemnification

You agree to indemnify, defend, and hold harmless InvestSmart, its officers, directors, employees, affiliates, and partners from and against any claims, liabilities, damages, costs, or expenses (including legal fees) arising from your use of the Services or violation of these Terms.

10. Termination

We reserve the right to suspend, restrict, or terminate your access to the Services at any time, without notice, if we believe you have violated these Terms.

11. Governing Law

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

12. Changes to Terms

We may revise these Terms at any time. The updated Terms will be posted on this page with a new “Last Updated” date. Continued use of the Services constitutes your acceptance of such changes.

13. Contact

If you have any questions about these Terms, please contact us at:
📧 vy.giang@investingsmart.ca

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Privacy Policy

This Privacy Policy explains how InvestSmart Inc. (“InvestSmart,” “we,” “our,” or “us”) collects, uses, shares, and protects personal information when you access or use InvestingSmart.ca (the “Website”) and related Services.

By using our Services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

Personal Information: Name, email address, billing details, account login credentials.
Usage Data: Information about how you use the Website, including pages visited, time spent, and interactions with content.
Technical Information: IP address, browser type, operating system, device identifiers.
Payment Information: Collected by third-party payment processors; we do not store full credit card details.

2. How We Use Information

We use the information we collect for purposes including:

Providing, maintaining, and improving our Services.
Managing subscriptions and processing payments.
Sending important updates, newsletters, or promotional materials (you may opt out).
Personalizing user experience and delivering relevant content.
Complying with legal obligations.

We will never sell your personal information. We may share information only with:

Service Providers: Third-party vendors who provide hosting, analytics, payment processing, or support services.
Legal Authorities: If required to comply with law, regulation, or legal process.
Business Transactions: In case of merger, acquisition, or asset sale.

4. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect personal information. However, no method of electronic storage or transmission is 100% secure. Users acknowledge and accept this risk.

5. Data Retention

We retain personal information only as long as necessary for the purposes described in this Policy or as required by applicable law. Users may request deletion of their information by contacting us.

6. Your Rights

Depending on your jurisdiction, you may have rights including:

Accessing, correcting, or deleting your personal information.
Requesting restriction or objection to certain processing.
Withdrawing consent to marketing communications.
Requests should be directed to trang.doan@investingsmart.ca.

7. Cookies and Tracking

We use cookies and similar technologies to enhance functionality, analyze traffic, and improve user experience. You may disable cookies in your browser, but some features may not function properly.

8. Children’s Privacy

Our Services are not directed to individuals under 18 years of age. We do not knowingly collect information from children. If we learn we have inadvertently collected such information, we will delete it promptly.

9. International Users

If you are accessing the Services from outside Canada, note that your data may be processed and stored in Canada or other jurisdictions where we operate.

10. Updates to this Policy

We may update this Privacy Policy from time to time. Changes will be posted with an updated “Last Updated” date. Continued use of the Services constitutes acceptance of the revised policy.

11. Contact

For privacy-related questions, please contact:
📧 vy.giang@investingsmart.ca
🌐 InvestingSmart.ca