Terms of Service

1) Acceptance of Terms and Minimum Age

By accessing or using this website, enrolling in a course, or requesting an educational consultation, you agree to these Terms of Service. If you do not agree, do not use the site or services. You confirm that you are at least 16 years old or the age of majority in your province or territory, whichever is higher, and that you have the legal capacity to enter into these Terms. If you are using the services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2) Description of Services

G & J, Inc. provides financial education for residents across Canada, including literacy programs, online workshops, courses, and educational consultations focused on budgeting, savings frameworks, retirement concepts, and responsible financial decision-making. Our content is educational and informational only. We do not provide personalized financial, investment, legal, tax, or accounting advice, and we do not make guarantees about outcomes or financial results.

3) User Obligations

When using the site and services, you agree to:

• Use the website only for lawful purposes and in accordance with these Terms.
• Provide accurate and complete information when submitting forms or registering for programs.
• Not misrepresent your identity or impersonate another person or entity.
• Not attempt to gain unauthorized access to the site, user data, or our systems.
• Not scrape, harvest, or collect data from the site using automated tools without written permission.
• Respect intellectual property rights and any usage limits placed on course materials.

4) Intellectual Property

All content on this site—including text, graphics, videos, illustrations, logos, and course materials—is owned by G & J, Inc. or our content providers and is protected by Canadian and international intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the content for personal, non-commercial educational purposes only.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit the content without our prior written permission, except where permitted by applicable law for private study or research with proper attribution and without removing any notices.

5) Disclaimers

Our website and educational content are provided on an “as is” and “as available” basis. While we strive for clarity and accuracy, we do not warrant that the content is complete, up to date, or free from errors. Access may be interrupted due to maintenance or technical issues.

Educational materials do not constitute financial, investment, legal, tax, or accounting advice. Decisions you make based on our content are your responsibility. We recommend consulting appropriately qualified professionals for advice tailored to your circumstances.

6) Limitation of Liability

To the maximum extent permitted by law, G & J, Inc. will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill arising from or related to your use of the site or services, even if advised of the possibility of such damages.

Where liability cannot be excluded, our total aggregate liability for any claim arising out of or relating to the site or services will not exceed the greater of: (a) CAD $100; or (b) the amount you paid to us for the specific educational service that gave rise to the claim in the three months preceding the event.

7) Indemnification

You agree to indemnify and hold harmless G & J, Inc., our directors, officers, employees, and contractors from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your misuse of the site or services, your violation of these Terms, or your violation of any law or third-party rights.

8) Third-Party Links and Tools

The site may reference third-party websites or tools for additional learning. These are provided for convenience only. We do not control and are not responsible for third-party content, policies, or practices. Accessing third-party sites is at your own risk and subject to their terms and privacy policies.

9) Privacy

Your use of the site is also governed by our Privacy Policy, which explains how we collect, use, and protect personal information, how cookies are managed, and how you can exercise your rights. Please review it carefully before using the site or submitting any information.

10) Governing Law and Jurisdiction

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law rules. Subject to the dispute resolution section below, you agree that the courts located in Toronto, Ontario have exclusive jurisdiction over any proceedings relating to these Terms or the services.

11) Dispute Resolution

We aim to resolve concerns quickly and fairly. Before starting any formal process, you agree to contact us at the email below to attempt an informal resolution within 30 days.

If a dispute is not resolved informally, it shall be referred to confidential and binding arbitration in Toronto, Ontario, in English, under the Arbitration Act, 1991 (Ontario). Each party bears its own costs, and the arbitrator may award fees and costs as permitted by law. Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual property or confidential information.

12) Termination

We may suspend or terminate your access to the site or services at any time if we reasonably believe you have breached these Terms, engaged in unlawful conduct, or created risk or possible legal exposure for us or other users. Upon termination, your right to use the services ceases immediately. Sections that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution) will survive.

13) Changes to These Terms

We may update these Terms from time to time to reflect changes to our services or legal requirements. Material changes will be announced via a notice on our homepage at least 14 days before they take effect. Continued use of the site after the effective date constitutes acceptance of the updated Terms.

Effective Date of current version: February 18, 2026

14) Contact Information

If you have questions about these Terms or wish to raise a concern, please contact us:

• G & J, Inc.
• 100 King Street West, Suite 5600
• Financial District, Toronto, ON M5X 1C9, Canada
• Email: [email protected]
• Phone: +1 416 613 9824

For requests concerning your personal information, please refer to our Privacy Policy for instructions and response timelines.

Educational Use Disclaimer

All materials, workshops, courses, and consultations are provided for educational purposes to support informed, independent decision-making. We do not guarantee results or financial outcomes. By participating, you remain solely responsible for your decisions. If you require advice, consult a qualified professional.