Agreement to Terms

Welcome to caravethinlo's financial education platform. By accessing our website at caravethinlo.com, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you disagree with any part of these terms, you may not use our educational services.

These terms apply to all visitors, users, and others who access or use our educational platform. caravethinlo reserves the right to update these terms at any time without prior notice. Your continued use of the platform after changes are posted constitutes acceptance of the revised terms.

Educational Purpose Declaration

Our platform provides educational content focused on financial literacy and business innovation concepts. All materials are designed for learning purposes and should not be construed as financial advice. We encourage users to consult with qualified professionals before making financial decisions.

User Obligations and Conduct

1. You must provide accurate, current, and complete information when creating an account or participating in our educational programs.
2. Users are responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account.
3. You agree not to use our platform for any unlawful purpose or to solicit others to perform unlawful acts.
4. Harassment, abuse, or threatening behavior toward other users or our staff is strictly prohibited.
5. You may not attempt to gain unauthorized access to any portion of our platform or any other systems connected to our services.

Intellectual Property Rights

All content on this platform, including but not limited to text, graphics, logos, images, audio clips, video, data compilations, and software, is the property of caravethinlo or its content suppliers and is protected by Canadian and international copyright laws.

Permitted Use

• Personal, non-commercial use of educational materials for learning purposes
• Sharing links to our content with proper attribution
• Downloading materials specifically marked as downloadable for offline study

Prohibited Use

• Reproducing, distributing, or creating derivative works without written permission
• Using our content for commercial purposes without authorization
• Removing copyright notices or proprietary markings from any content

Privacy and Data Protection

caravethinlo is committed to protecting your privacy and personal information. We collect and process data in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

Information We Collect

1. Personal identification information provided during registration
2. Educational progress and completion data for our programs
3. Usage analytics to improve our platform functionality
4. Communication records for customer support purposes

We do not sell, trade, or transfer your personal information to third parties without your consent, except as outlined in our Privacy Policy. Your data is stored securely and accessed only by authorized personnel for legitimate educational and administrative purposes.

Payment Terms and Refund Policy

Payment for educational programs must be completed before access is granted. We accept major credit cards and electronic transfers. All prices are displayed in Canadian dollars and include applicable taxes.

Refund Conditions

• Full refund available within 14 days of purchase if less than 20% of content has been accessed
• Partial refunds may be considered for exceptional circumstances at management discretion
• Refund requests must be submitted in writing with detailed reasoning
• Processing time for approved refunds is 5-10 business days

Subscription services can be cancelled at any time, with access continuing until the end of the current billing period. No prorated refunds are provided for cancelled subscriptions.

Limitation of Liability

caravethinlo's educational content is provided "as is" without warranties of any kind, either express or implied. We do not guarantee that our platform will meet your specific requirements or that the service will be uninterrupted or error-free.

Our total liability for any claims arising from your use of our services shall not exceed the amount you paid for access to our educational content in the twelve months preceding the claim.

Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein. Any disputes arising from these terms or your use of our platform will be resolved through binding arbitration in Montreal, Quebec.

Dispute Resolution Process

1. Initial attempt at resolution through direct communication with our support team
2. Mediation through a mutually agreed upon mediator if direct resolution fails
3. Binding arbitration as final recourse for unresolved disputes

You agree to waive any right to a jury trial and acknowledge that arbitration proceedings are confidential. The arbitrator's decision will be final and binding on all parties.