Terms of Service
Effective Date: November 21, 2024
Welcome to the website of Capital Concepts Group Inc. (“Company,” “we,” “our,” “us”). These Terms and Conditions (“Terms”) govern your use of our website (the “Site”), services, and the purchase of any digital products, including our financial education training delivered via video inside a private online campus and the creation of a custom written financial plan (collectively, the “Services”).
By accessing or using the Site and Services, you agree to these Terms. If you do not agree, please refrain from using the Site or Services.
1. Eligibility
You must be at least 18 years old or the age of majority in your jurisdiction to use our Services. By using our Site, you affirm that you meet this age requirement and have the legal capacity to enter into this agreement.
2. Services Provided
Capital Concepts Group Inc. offers financial advisory services and digital financial education training (the “Digital Product”) provided through a private online campus. The Digital Product is designed for informational purposes only and does not constitute personalized financial, legal, or investment advice.
3. Payment and Fees
All payments are processed securely via Stripe. By purchasing any Service or Digital Product, you agree to the following terms:
Payment Authorization: You authorize us to charge the payment method provided for the full amount of the purchase.
Subscription or One-Time Fee: Depending on the product, you may be charged a one-time fee or recurring subscription. Recurring charges will occur until canceled in accordance with Section 6 (Cancellation Policy).
Taxes: Prices listed do not include applicable taxes. You are responsible for paying any taxes associated with your purchase.
4. Digital Product Delivery
Upon successful payment, you will receive access to the Digital Product within a private online campus.
Non-Transferable Access: Your access is personal and non-transferable. You are prohibited from sharing login credentials or reselling access to the Digital Product.
No Refund Policy: As the Digital Product is delivered on-demand, all sales are final, and no refunds will be provided unless required by law.
5. Intellectual Property
All content, materials, videos, and other intellectual property within the Digital Product and Site are owned by Capital Concepts Group Inc. or our licensors. You may not copy, distribute, reproduce, or create derivative works without express written consent.
6. Cancellation Policy
You may cancel your subscription at any time by logging into your account and following the cancellation procedures. Upon cancellation, access to subscription-based Services will continue until the end of the current billing cycle. No refunds will be issued for unused time.
7. Prohibited Conduct
You agree not to:
Use the Site or Services for unlawful purposes.
Share, sell, or transfer your account or access credentials.
Reverse-engineer or otherwise attempt to extract the source code of our digital products.
Post or transmit any content that is harmful, defamatory, or otherwise violates the rights of others.
8. Disclaimers
No Guarantee of Results: The Digital Product is educational and informational in nature. We do not guarantee any specific financial outcomes or results.
No Professional Advice: The Digital Product is not a substitute for personalized financial, investment, legal, or tax advice. Always consult a qualified professional for guidance specific to your situation.
9. Limitation of Liability
To the fullest extent permitted by law:
Capital Concepts Group Inc. is not liable for indirect, incidental, or consequential damages arising out of your use of the Services.
Total liability is limited to the amount paid by you for the Service that gave rise to the claim.
10. Stripe Payment Compliance
All payments are processed securely through Stripe. By using our Site, you agree to comply with Stripe’s Terms of Service and Privacy Policy. Capital Concepts Group Inc. does not store or have access to your payment details.
11. Privacy Policy
Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.
12. Governing Law
These Terms are governed by the laws of British Columbia, Canada, without regard to its conflict of law principles. Any disputes arising under these Terms will be resolved exclusively in the courts located in Burnaby British Columbia.
13. Changes to These Terms
We reserve the right to update these Terms at any time. Changes will take effect immediately upon posting on this page. Continued use of the Site or Services constitutes acceptance of the updated Terms.
14. Contact Information
For questions about these Terms, please contact us at:
Capital Concepts Group Inc.
Suite 1030-4720 Kingsway, Metrotower II, Burnaby, BC, V5H 4N2
604-432-7743
By using our Site and Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.
Disclaimer
iA Private Wealth is a trademark and business name under which iA Private Wealth Inc. operates. iA Private Wealth Inc. is a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada. This information has been prepared by Chad Ekren, Investment Advisor for iA Private Wealth and does not necessarily reflect the opinion of iA Private Wealth. The information contained in this website comes from sources we believe to be reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any the securities mentioned. The information contained herein may not apply to all types of investors. The Investment Advisor can open accounts only in the provinces where they are registered. For more information about iA Private Wealth, please consult the official website at www.iaprivatewealth.ca.
Capital Concepts is a personal trade name of Chad Ekren, Joe Goncalves and Geoffrey Perrin.