Terms of Service

Last Updated: January 15, 2026

1. Acceptance of Terms

By accessing or using the CrowdfundCanada Educational Resource Hub website located at www.crowdfundcanadaedu.com (the "Website"), operated by CrowdfundCanada Edu ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must discontinue use of the Website immediately.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and CrowdfundCanada Edu, a company registered in Ontario, Canada, with its principal office located at 100 King Street West, Suite 5700, Toronto, ON M5X 1C7, Canada.

You must be at least 18 years of age, or the age of majority in your province or territory of residence, to use this Website. By using the Website, you represent and warrant that you meet this age requirement. If you are using the Website on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

Your continued use of the Website following any updates or modifications to these Terms constitutes your acceptance of such changes. We encourage you to review these Terms periodically to remain informed about the conditions governing your use of the Website.

2. Description of Services

CrowdfundCanada Educational Resource Hub is an independent educational platform that provides informational and educational content about crowdfunding and community funding models in Canada. Our services include, but are not limited to:

• Educational articles, guides, and research materials about donation-based, reward-based, and equity crowdfunding models as they operate within Canada.
• Informational overviews of Canadian crowdfunding regulations, including provincial securities commission frameworks and relevant national instruments.
• Case studies examining real Canadian crowdfunding campaigns for educational and analytical purposes only.
• Paid online courses and structured learning modules related to crowdfunding education, campaign strategy, and regulatory compliance.
• Live and recorded webinars and workshops featuring industry professionals, legal experts, and experienced campaign creators.
• A bi-weekly email newsletter containing curated educational content and updates about crowdfunding developments in Canada.

3. User Obligations

When using this Website, you agree to the following obligations and restrictions:

• Lawful Use: You will use the Website only for lawful purposes and in accordance with these Terms, all applicable federal, provincial, and local laws and regulations in Canada and your jurisdiction of residence.
• Accurate Information: Any information you provide through forms, account registration, course enrollment, or other interactions on the Website must be truthful, accurate, current, and complete. You agree to promptly update any information that becomes inaccurate.
• No Unauthorized Access: You will not attempt to gain unauthorized access to any portion of the Website, its servers, databases, or any systems or networks connected to the Website through hacking, password mining, or any other illegitimate means.
• No Automated Collection: You will not use any automated means, including robots, spiders, scrapers, or data mining tools, to access, collect, copy, or monitor any content from the Website without our express written permission.
• No Impersonation: You will not impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity.
• No Interference: You will not interfere with or disrupt the operation of the Website, its servers, or networks connected to the Website, including transmitting viruses, malware, or any code of a destructive or disruptive nature.
• No Redistribution: You will not reproduce, duplicate, sell, resell, or exploit any portion of the Website, its content, or access to the Website for commercial purposes without our prior written consent.
• Respectful Conduct: If you participate in any interactive features, such as comment sections, forums, or webinar Q&A sessions, you agree to communicate respectfully and refrain from posting content that is defamatory, harassing, threatening, obscene, or otherwise objectionable.

4. Intellectual Property

All content on this Website, including but not limited to text, articles, research materials, graphics, images, logos, icons, photographs, illustrations, charts, diagrams, audio clips, video content, course materials, webinar recordings, software, and the overall design and arrangement of the Website (collectively, "Content"), is the exclusive property of CrowdfundCanada Edu or its content licensors. This Content is protected by Canadian and international copyright, trademark, patent, trade secret, and other intellectual property and proprietary rights laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website and its Content for personal, non-commercial, educational purposes only, subject to these Terms. This license does not include the right to:

• Modify, adapt, translate, reverse engineer, decompile, or disassemble any portion of the Content.
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices displayed on or within the Content.
• Create derivative works based on the Content without prior written consent from CrowdfundCanada Edu.
• Use the Content in any manner that could damage, disable, overburden, or impair the Website or interfere with other users' access to the Website.
• Republish, distribute, or publicly display any Content beyond what is necessary for personal educational use, such as sharing course materials with non-enrolled individuals.

The CrowdfundCanada name, logo, and all related product and service names, design marks, and slogans are trademarks of CrowdfundCanada Edu. You may not use these marks without our prior written permission. All other trademarks, service marks, and trade names referenced on this Website are the property of their respective owners.

5. Paid Services and Purchases

Certain features of the Website, including online courses, webinars, and workshops, may require payment ("Paid Services"). By purchasing any Paid Services, you agree to the following:

• Pricing: All prices for Paid Services are displayed in Canadian Dollars (CAD) unless otherwise specified. Prices are subject to applicable taxes, including HST/GST as required by Canadian law. We reserve the right to change pricing at any time, but changes will not affect purchases already completed.
• Payment Processing: Payments are processed through third-party payment processors. By making a purchase, you agree to the terms and privacy policies of the applicable payment processor. We do not store your full credit card or payment details on our servers.
• Refund Policy: For online courses, refund requests may be submitted within 14 days of purchase if less than 25% of the course content has been accessed. For live webinars and workshops, cancellation requests must be received at least 48 hours before the scheduled event to qualify for a full refund. Requests made within 48 hours of the event may be eligible for a credit toward a future event, at our discretion.
• Access Duration: Unless otherwise stated at the time of purchase, access to purchased course content is granted for a period of 12 months from the date of purchase. After this period, continued access may require a renewal fee.

6. Disclaimers

The Website and all Content, services, and features available through it are provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by applicable law, CrowdfundCanada Edu disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
• Any warranty that the Website will be uninterrupted, timely, secure, error-free, or free from viruses or other harmful components.
• Any warranty regarding the accuracy, reliability, completeness, or currency of any Content, including educational materials, regulatory information, case studies, or any other information presented on the Website.

The regulatory landscape for crowdfunding in Canada is subject to change. While we strive to keep our educational content current, laws, regulations, and regulatory interpretations may change at any time. We do not guarantee that the regulatory information presented on the Website reflects the most current state of the law. Users should verify all regulatory information with the relevant provincial securities commissions or qualified legal counsel.

7. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall CrowdfundCanada Edu, its directors, officers, employees, agents, partners, affiliates, content providers, or licensors be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or in connection with:

• Your access to, use of, or inability to access or use the Website or any Content.
• Any conduct or content of any third party on or connected to the Website.
• Any decisions or actions you take based on Content or information obtained from the Website, including financial losses related to crowdfunding activities.
• Unauthorized access to or alteration of your transmissions or data.
• Any errors, inaccuracies, or omissions in the Content.

In any case, the total aggregate liability of CrowdfundCanada Edu for all claims arising out of or related to these Terms or your use of the Website shall not exceed the greater of: (a) the amount you have paid to CrowdfundCanada Edu for Paid Services in the twelve (12) months preceding the claim, or (b) one hundred Canadian Dollars (CAD $100.00).

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities, so some of the above limitations may not apply to you. In such cases, our liability will be limited to the fullest extent permitted by applicable law.

8. Indemnification

You agree to indemnify, defend, and hold harmless CrowdfundCanada Edu, its directors, officers, employees, agents, affiliates, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable legal fees and court costs) arising out of or related to:

• Your use of or access to the Website in violation of these Terms.
• Any content you submit, post, or transmit through the Website.
• Your violation of any applicable law, regulation, or third-party rights.
• Any misrepresentation made by you in connection with your use of the Website.
• Any financial decisions you make based on information obtained from the Website, including participation in crowdfunding campaigns operated by third parties.

We reserve the right to assume exclusive control of the defense and settlement of any claim subject to indemnification by you, and you agree to cooperate fully with our defense of such claims. You may not settle any claim without our prior written consent.

9. Third-Party Links and Content

The Website may contain links to third-party websites, resources, or services that are not owned or controlled by CrowdfundCanada Edu. These include, but are not limited to, links to crowdfunding platforms (for informational reference), government regulatory body websites, educational tool providers, books, and software products. Some of these links may be affiliate links through which we earn a small commission on purchases made through them, at no additional cost to you.

We have no control over, and assume no responsibility for, the content, privacy policies, terms of service, practices, or availability of any third-party websites or resources. The inclusion of any link does not imply endorsement, recommendation, or approval by CrowdfundCanada Edu. You access third-party websites entirely at your own risk and subject to the terms and conditions of use for such websites.

We strongly encourage you to read the terms of service and privacy policies of any third-party websites you visit, particularly before entering into any financial transactions or providing personal information on those sites.

10. Privacy

Your use of the Website is also governed by our Privacy Policy, which describes how we collect, use, store, and protect your personal information in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation. Our Privacy Policy is available at www.crowdfundcanadaedu.com/privacy/ and is incorporated into these Terms by reference.

By using the Website, you consent to the collection and use of information as described in our Privacy Policy. If you do not agree with our Privacy Policy, please do not use the Website.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any legal action, suit, or proceeding arising out of or related to these Terms or the Website shall be instituted exclusively in the courts of the Province of Ontario, located in the City of Toronto, and you consent to the exclusive jurisdiction and venue of such courts.

If you are accessing the Website from outside of Canada, you are responsible for compliance with your local laws. We make no representation that the Website or its Content is appropriate, lawful, or available for use in any jurisdiction outside of Canada.

12. Dispute Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate ("Dispute"), the parties agree to first attempt to resolve the Dispute informally by contacting CrowdfundCanada Edu at [email protected] with a written description of the Dispute. We will attempt to resolve the matter within thirty (30) business days of receiving your written notice.

If the Dispute cannot be resolved informally within this period, either party may initiate binding arbitration administered by the ADR Institute of Canada in Toronto, Ontario, under its applicable arbitration rules. The arbitration shall be conducted by a single arbitrator, in the English language, and the arbitrator's decision shall be final and binding on both parties. The costs of arbitration shall be shared equally between the parties, except that each party shall bear its own legal fees unless the arbitrator determines otherwise.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction in Toronto, Ontario, to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.

You agree that any Dispute resolution proceeding will be conducted on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration against CrowdfundCanada Edu.

13. Termination

We reserve the right, in our sole discretion, to suspend or terminate your access to all or any part of the Website at any time, with or without notice, for any reason, including but not limited to:

• Breach of any provision of these Terms.
• Engaging in fraudulent, abusive, or illegal activity.
• Providing false or misleading information.
• Conduct that we determine, in our sole discretion, is harmful to other users, third parties, or the business interests of CrowdfundCanada Edu.

Upon termination, your right to use the Website will immediately cease. If you have active Paid Services at the time of termination, we will provide a pro-rated refund for any unused portion of pre-paid services, unless the termination is due to your breach of these Terms, in which case no refund will be provided.

The following sections of these Terms shall survive termination: Intellectual Property (Section 4), Disclaimers (Section 6), Limitation of Liability (Section 7), Indemnification (Section 8), Governing Law and Jurisdiction (Section 11), and Dispute Resolution (Section 12).

14. Changes to These Terms

We reserve the right to modify, update, or replace these Terms at any time. When we make material changes to these Terms, we will provide notice through one or more of the following methods:

• Posting a prominent notice on the Website's homepage for a minimum of fourteen (14) days before the changes take effect.
• Sending an email notification to users who have registered for our newsletter or created accounts for Paid Services.
• Updating the "Last Updated" date at the top of this document.

Material changes will become effective no earlier than fourteen (14) days after the notice is posted. Non-material changes, such as corrections to typographical errors or formatting updates, may take effect immediately upon posting. Your continued use of the Website after the effective date of any changes constitutes your acceptance of the revised Terms.

If you do not agree to the revised Terms, your sole remedy is to discontinue your use of the Website. For users with active Paid Services, we will provide a reasonable opportunity to cancel and receive a pro-rated refund if you do not wish to accept revised Terms.

15. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if modification is not possible, shall be severed from these Terms. The invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of the remaining provisions, which shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any additional terms applicable to specific Paid Services, constitute the entire agreement between you and CrowdfundCanada Edu with respect to the subject matter hereof. These Terms supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the Website.

No waiver by CrowdfundCanada Edu of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition, or a waiver of any other term or condition. Any failure by us to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

17. Accessibility

CrowdfundCanada Edu is committed to ensuring that our Website is accessible to all users, including those with disabilities. We strive to comply with the Accessibility for Ontarians with Disabilities Act (AODA) and the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards. If you experience any accessibility barriers on our Website, please contact us so that we can work to address the issue.

18. Contact Information

If you have any questions, concerns, or feedback about these Terms of Service, please contact us using the following information:

For legal correspondence, please direct your communications to the address above with the notation "Legal Department" on the envelope or in the subject line of your email.