Last Updated: January 2025
Effective Date: January 2025
These Terms and Conditions constitute a legally binding agreement between you and Fiscal Pathways regarding your use of our educational programs and services. By registering for programs, attending sessions, or using our website, you acknowledge that you have read, understood, and agree to be bound by these terms.
If you do not agree with these terms, you should not register for or participate in our programs. We reserve the right to refuse service to anyone for any reason at any time.
For purposes of these Terms and Conditions:
Our programs are designed for adults aged 18 and over. By registering, you represent that you meet this age requirement and have the legal capacity to enter into this agreement. If you are registering on behalf of an organization, you represent that you have authority to bind that organization to these terms.
You are responsible for maintaining the accuracy of information provided during registration. You must notify us promptly of any changes to your contact information to ensure you receive important program communications.
All information you provide must be current, complete, and accurate. Providing false information may result in termination of your participation without refund.
You agree not to:
All program content, materials, curriculum, presentations, handouts, and related intellectual property remain the exclusive property of Fiscal Pathways. This includes but is not limited to text, graphics, designs, methods, and educational frameworks.
Upon enrollment, we grant you a limited, non-exclusive, non-transferable license to access and use program materials solely for your personal educational purposes. This license does not permit commercial use, reproduction, or distribution.
You may not modify, translate, reverse engineer, decompile, or create derivative works based on program materials. You may not remove copyright notices or proprietary markings from any materials.
All fees are stated in Canadian Dollars (CAD) and are due according to the payment schedule provided during registration. Enrollment is not confirmed until payment is received or payment arrangements are approved.
We accept payment by credit card, debit card, bank transfer, and other methods as specified during registration. Payment plans may be available for certain programs as indicated.
We reserve the right to modify program fees for future offerings. Once you have registered and paid, your fee is locked and will not be subject to increases.
Applicable taxes (including GST where required) will be added to program fees as specified during registration. You are responsible for any taxes associated with your participation.
Cancellations must be submitted in writing to [email protected]. Refund eligibility depends on timing:
We reserve the right to cancel programs due to insufficient enrollment or unforeseen circumstances. In such cases, you will receive a full refund or the option to transfer to a future session.
Approved refunds are processed within 14 business days and will be issued to the original payment method.
Our programs provide educational content and are not professional financial advice. We do not recommend specific financial actions, products, or strategies for your individual circumstances. Participants should consult qualified financial professionals before making significant financial decisions.
While we strive to provide accurate and current information, we make no warranties regarding the completeness, accuracy, or applicability of content to your specific situation. Financial regulations and practices change, and information current at program delivery may become outdated.
Services are provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability or fitness for a particular purpose.
To the maximum extent permitted by law, Fiscal Pathways shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your participation in programs or use of materials. Our total liability shall not exceed the amount you paid for the specific program giving rise to the claim.
We reserve the right to terminate your participation immediately without refund if you violate these terms, engage in disruptive behavior, or for any conduct we deem inappropriate for the learning environment.
Upon termination, your right to access program materials ceases immediately. Sections of these terms that by their nature should survive termination shall survive, including intellectual property provisions, disclaimers, and limitations of liability.
If you have concerns or disputes, please contact us first at [email protected] to attempt informal resolution. Many issues can be resolved through good-faith discussion.
These terms are governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict of law principles.
Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts located in Edmonton, Alberta.
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Fiscal Pathways regarding use of our services.
If any provision of these terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
Our failure to enforce any provision of these terms shall not constitute a waiver of that provision or any other provision.
You may not assign or transfer your rights or obligations under these terms. We may assign our rights and obligations without restriction.
We reserve the right to modify these terms at any time. Material changes will be communicated through our website or direct communication. Continued participation after changes constitutes acceptance of modified terms.
For questions about these Terms and Conditions or to address concerns, please contact us:
Email: [email protected]
Phone: +1 (780) 423-6195
Mail: Fiscal Pathways, 10235 101 Street NW, Suite 1400, Edmonton, AB T5J 3G1
By registering for or participating in Fiscal Pathways programs, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.