Our Privacy Policy

Last updated May 2020.

 

Thank you for visiting www.moneymattersclasses.com, the website of Money Matters, originally founded by Basia Pozin in Richmond Hill, Ontario. We respect and protect the privacy of our users. This privacy policy tells you how we collect and use information.

If you contact us we will collect the email address you nominate and any other identifying information you provide, such as a name or phone number. We may use this information for Money Matters marketing purposes. We will never sell this private information to third parties.

 

Please read this Privacy Policy carefully. We will alert You to any changes to this Policy by changing the “last updated” date at the top of this Policy. Any changes become effective immediately upon publication on Our website, and You waive specific notice of any changes to the Policy by continuing to use and access Our site(s). By accessing and using this website, you agree to this privacy policy. If you do not agree with this privacy policy, please do not use or access this website.

 

What is Personal Information?

“Personal information” is personally identifiable information such as your name, residential address and e-mail address and includes information about your products, services, subscriptions and usage, credit card information and billing records. It does not include the name, title, business address or telephone number of an employee of an organization.

 

What kind of personal information does Money Matters collect?


We collect various types of personal information including: Your name, shipping address, email address, telephone number, credit card information, or demographic information like Your age, gender, or hometown. You consent to giving Us this information by providing it to Us voluntarily on Our website or any mobile application. You provide some of this information when You register with or make purchases from Our website. You may also provide this information by participating in various activities associated with Our site, including responding to blogs, contacting Us with questions, or participating in group training. Your decision to disclose this data is entirely voluntary. You are under no obligation to provide this information, but Your refusal may prevent You from accessing certain benefits from Our website or from making purchases. This information will be used for the primary purpose for which it was collected, which may include: responding to your message, communicating with you about the requested service or product, and processing payments for any and all purchases made by you through the website and links.

 

Money Matters also collects certain technical information from your computer each time you request a page during a visit to our web site www.moneymattersclasses.com. This information is collected from your computer’s Web browser to enhance your experience on our web site and may include your IP address, desktop or mobile operating system, Web browser software, screen resolution, and referrer Web site.

 

How Does Money Matters collect personal information?

We collect personal information that is voluntarily provided to us by our customers, members, sponsors, web site users and the public in general when they contact us via telephone, e-mail, web browser, or in person. As mentioned above, we may also collect personal information from our business partners and other third parties who have agreed to obtain the consent of the person the information pertains to before disclosing the information to us. Money Matters may also collect personal information through the following means:

i) Cookies .A cookie is a piece of data stored on a web site user’s computer hard drive containing information about the user. Cookies automatically delete this information from our computer storage system after 30 days, but permanent cookie files remain on the user’s computer’s hard drive until they manually delete the file. Money Matters can use cookies to deliver content specific to your interests and to save your password so you don’t have to re-enter it each time you visit our web site. Cookies, by themselves, cannot be used to disclose your individual identity. A cookie will identify your browser, but not you, to our computer servers when you visit our web site. Most browsers are initially set up to accept cookies, but you can set your browsers to refuse cookies. However, if you do not accept cookies, you may be limited in some areas of our web site.

ii) Web beacons. To assess the effectiveness of promotional and marketing e-mails we send, we may attach a web beacon to the email that provides us with confirmation when the recipient opens the e-mail. This only occurs if the recipient’s computer supports such technology.

iii) Google Analytics, Shopify Analytics + Facebook Pixel. We may partner with third-party analytic companies, including, but not limited to, Google Analytics, Shopify Analytics, Facebook Pixels. The analytic companies may also use cookies (described above) or other tracking technologies to analyze visitors’ use of Our website or mobile app to determine the popularity of the content, and better understand online activity. We do not transfer personal information to these third-party vendors. However, in order to access Our website, You must consent to the collection and use of Your information by these third-party analytic companies. You should review their Privacy Policy and contact them directly if You have questions. If You do not want any information to be collected and used by tracking technologies, visit the Network Advertising Initiative Opt-Out Tool or Digital Advertising Alliance Opt-Out Tool.

Why does Money Matters collect personal information?

Your information allows us to offer you certain products and services, including the use of our website, to fulfill our obligations to you, to customize your interaction with our company and our website, and to allow us to suggest other products and services we think might interest you. We generally store Your data and transmit it to a third party for processing. However, to the extent We process Your data, We do so to serve Our legitimate business interests (such as providing You with the opportunity to purchase Our goods or services and interact with Our website or mobile app).

 

Collecting Data from Children

This website or mobile app is not designed for use by children under age 16, and We do not knowingly solicit personal data from anyone under age 16. If You are under age 16, do not access or use Our website or related products or services. If You become aware that We have collected data of anyone under the age of 16, please contact Us so that We may delete that data.

 

 

Sensitive Data

We request that You do not submit any sensitive data to Us, via public postings, email correspondence with Us, or any other method, including social security number, health data, genetic data, or information related to Your ethnic origin, religious beliefs, or criminal history. If You do send Us this information, then by doing so You are consenting to Our use, storage, and processing of this information in accordance with this privacy policy.

 

 

Verifying and Amending Your Personal Information

Money Matters tries to ensure that all personal information about you that is in our possession is accurate, complete and up-to-date. To enable us to do so, please inform the person to whom you provided your personal information of any change to that information.


You can inquire about, access and review your personal information held by Money Matters and make corrections to it. Please us by sending an email to moneymattersclasses@gmail.com for assistance with these matters. In some cases, Money Matters will be prevented from disclosing the requested information to you. If any request you make for access to personal information is denied, we will provide you with an explanation.

 

Website Analytics / Cookies

 

To improve your experience on our site, we may use 'cookies'. Cookies are an industry standard and most major web sites use them. A cookie is a small text file that our site may place on your computer as a tool to remember your preferences. You may refuse the use of cookies by selecting the appropriate settings on your browser, however, please note that if you do this you may not be able to use the full functionality of this website.

Our website may contain links to other websites. Please be aware that we are not responsible for the privacy practices of such other sites. When you go to other websites from here, we advise you to be aware and read their privacy policy.
 

Our website uses Google Analytics, a service which transmits website traffic data to Google servers in the United States. Google Analytics does not identify individual users or associate your IP address with any other data held by Google. We use reports provided by Google Analytics to help us understand website traffic and webpage usage.

Our Terms & Conditions

1. INTRODUCTION

Welcome to Money Matters! We are an online financial literacy education service that provides our Subscribers with access to educational content  through certain internet-connected devices, including, but not limited to, computers, phones and TVs (hereinafter referred to as the “Services”). 

These  TERMS OF USE (hereinafter referred to as the “Terms”) govern your use of our service. These  Terms constitute a binding contract between you (hereinafter referred to as the “Subscriber” or “You”) and Money Matters, a Canadian sole proprietorship (hereinafter referred to as “Money Matters” ), regarding the the Subscriber’s  use and access to the Services.

BY REGISTERING FOR, ACCESSING OR USING ANY OF OUR SERVICES, INCLUDING OUR ONLINE COURSES OR ANY OTHER MONEY MATTERS SERVICE, THE SUBSCRIBER SIGNIFIES ITS AGREEMENT TO  BE BOUND BY THESE TERMS OF USE (“Acceptance”).

 

The Subscriber agrees that its assent, given electronically, will have the same legal effect as if it had been personally signed by the Subscriber. To the extent permitted by law, these Terms are intended to supersede any provisions of applicable law, which might otherwise limit their enforceability or effect, as a result of being entered into electronically. Please print a copy of these Terms for future reference.

 

2. GENERAL

The Services enable  the Subscriber to connect to live or recorded instructions, tutoring sessions and courses. The Services include, without limitation, facilitating and delivering courses and supporting materials.

From time to time,  Money Matters may update these Terms to clarify our practices or to reflect new or different practices, such as when adding new features. Money Matters reserves the right, in its sole discretion, to modify and/or make changes to these Terms at any time. Should Money Matters make any change, material or otherwise, to these Terms, the Subscriber’s continued use of the service after changes become effective shall deem  the Subscriber’s acceptance of said changes. You should visit the services regularly to ensure you are aware of the latest version of the Terms, as any revised Terms shall supersede all previous Terms.

Money Matters may modify the services or discontinue their availability at any time.

The Subscriber is solely responsible for all service, telephone, data charges and/or other fees and costs associated with access and use of the services. The Subscriber is responsible for obtaining and maintaining all telephone, computer hardware, and other equipment required for any such access and use.

By electing to access or use any services that involve payment of a fee, the Subscriber agrees to pay, and will be responsible for payment of that fee and all taxes associated with such access or use. By providing credit card information to pay for any such fees, the Subscriber represents and warrants that they are authorized to supply such information, and thereby authorize Money Matters to charge said credit card(s) as fees become due, in accordance with the fees outlined on Money Matters’ website.

If payment is unsuccessful or the Subscriber’s account is past due, Money Matters may collect outstanding amounts using other collection mechanisms. This may include charging other available payment methods,  retaining collection agencies and/or retaining legal counsel.  Money Matters reserves the right to block access to any of the Services, pending the resolution of any outstanding or unpaid amounts due by You to Money Matters.

All use, access and other activities relating to the Services must comply with all applicable laws and regulations, including, without limitations, laws relating to copyright and other intellectual property use, and to privacy and personal identity. Further, access to our services from territories where their contents are illegal is prohibited. You agree to comply with all applicable laws regarding the transmission of technical data exported from Canada or the country in which You reside. You agree to abide by all local rules regarding online conduct and acceptable content. The Subscriber accepts that it is solely responsible for abiding by said laws, regulations and rules. Money Matters will not be liable for the Subscriber’s failure to comply with any of said laws, regulations or rules.

 

3. INDEMNIFICATION

 

The Subscriber shall fully indemnify Money Matters for any and all outstanding amounts and fees owed by the Subscriber to Money Matters, as well as any and all costs that Money Matters, its agents and/or affiliates accumulate in the process of collecting said fees, including, without limitation, legal fees, costs and disbursements.

 

Should Money Matters, its agents and/or affiliates become involved in litigation and/or alternative dispute resolution processes as a result of the Subscriber’s contravention of the Terms, the Subscriber shall fully indemnify Money Matters, its agents and/or affiliates for any and all costs, fees, expenses and disbursements arising from said litigation and/or dispute resolution processes, as well as any and all damages, penalties and/or awards arising therefrom.

 

4. LIMITED LIABILITY

 

The content presented by Money Matters is intended for informational purposes only and does not constitute personalized financial, legal, tax, accounting, or investment advice. Money Matters is not in the business of providing financial, legal, tax, accounting or investment advice, nor does it intend to promote any securities or other investments. Money Matters and its agents do not assume any role as financial advisors, dealers, brokers, investment fund managers or otherwise.  Any financial decisions made by the Subscriber are made at the sole risk of the Subscriber. Money Matters takes no responsibility for the financial choices made by the Subscriber.  

 

5. THIRD PARTY ENDORSEMENT 

 

Money Matters does not represent or endorse any financial institution and operates as an independent educational entity. Money Matters’ instructors, agents and affiliates act solely as educators when delivering the course content and discussing or sharing the content with the Subscriber . Money Matters’ instructors, agents and affiliates do not act as financial advisors, dealing representatives, brokers, investment fund managers, lawyers, accountants or tax planners regardless of their day-time employment.

Money Matters is not a substitute for professional advice on the topics covered in the curriculum, including, without limitation, advice for financial planning, investment planning, tax planning, estate planning, accounting, insurance or legal advice. Subscribers are to seek independent professional advice when making decisions regarding these topics. 

 

6. REFERENCE MATERIALS & LIMITATION OF LIABILITY

 

Reference materials used and the information presented is not updated on a real-time basis. Information may therefore be outdated due to changes to policies and frameworks including, but not limited to, changes to CRA regulations, changes to legal frameworks governing financial transactions or shifting economic states. Additionally, rules and regulations may differ from jurisdiction to jurisdiction based on varying legislation governing different geographic regions. Money Matters cannot be held responsible for any errors or omissions presented in the course content or on the Money Matters website. 

 

Course content may contain links to other websites that are not operated by or related to Money Matters. Money Matters is not responsible for the content, accuracy or opinions expressed in such third-party websites, and does not investigate, monitor or check these websites for accuracy or completeness. The inclusion of any linked website does not imply approval or endorsement of the linked website by Money Matters. A Subscriber that uses these third party websites does so at its own risk. 



 

7. INTELLECTUAL PROPERTY & COPYRIGHT

 

All materials prepared by Money Matters, its agents and affiliates, and provided to the Subscriber, belong solely to Money Matters. Said materials are exclusively the intellectual property of Money Matters and are protected by intellectual property rights afforded by law. The Subscriber understands and accepts that it shall not retain said materials for the purpose of copying, distribution and/or any other usage that, in Money Matters’ sole opinion and discretion, is inconsistent with its Services. 

 

8. DISCLAIMERS OF STATEMENTS/WARRANTIES

 

The Subscriber’s use of the services or items obtained through the services is at its own risk. The Services are provided on an “as is” and “as available” basis, without any statements or warranties of any kind, either express or implied. Neither Money Matters, nor any of its agents or affiliates makes any statement, warranty or representation with respect to the completeness, security, reliability, quality, accuracy or availability of the services. Without limiting the foregoing, neither Money Matters nor any of its agents or affiliates, promise that the Services or items obtained through the Services or any portion thereof, will be accurate, reliable, error-free or uninterrupted; that defects will be corrected; that the services or the website or the server that makes it available, are free of viruses or other harmful components; or that the services or items obtained through the services will otherwise meet the Subscriber’s needs or expectations. 

 

Money Matters hereby disclaims all warranties of any kind, whether express or implied, statutory or otherwise, including but not limited to any warranties of merchantability, non-infringement and fitness for particular purpose. The foregoing does not affect any warranties which cannot be excluded or limited under applicable law. No verbal or written representations, information or advice given by Money Matters or any of its authorized representatives shall create a warranty or in any way increase the scope of any warranties provided by statute or in accordance with these Terms .

 

9. SUBSCRIBER WARRANTIES, RIGHTS, REPRESENTATIONS, RESTRICTIONS, AND OBLIGATIONS

 

Subject to these Terms, the Subscriber will be granted a limited, non-exclusive, revocable, non-transferable and non-sub licensable right to access that portion of Money Matters’ Services, as applicable to its subscription. By agreeing to grant such access, Money Matters does not obligate itself to maintain the website, or to maintain it in its present form. Money Matters may upgrade, modify, change, or enhance the Services and convert a Subscriber to a new version thereof at any time in its sole discretion, to the extent that this is not detrimental to the Subscriber’s use of the Services, and on reasonable prior notice to the Subscriber (unless the change is of critical business importance or outside Money Matters’ control, in which case Money Matters will explain the reason for the changes as soon as is reasonably practicable).

 

Subscriber agrees to abide by any rules or regulations that Money Matters publishes with respect to conduct of the Subscribers, which rules and regulations are hereby incorporated into these Terms by this reference. Money Matters reserves the right to deny a Subscriber access to theServices and/or terminate its subscription and account if, in Money Matters’ sole discretion, the Subscriber has failed to abide by these Terms or appear likely to do so.

 

The Subscriber accepts that Money Matters, in its sole discretion, may, but has no obligation to, monitor the Services or any portion thereof, and to oversee compliance with these Terms.

 

The Subscriber promises, acknowledges and agrees on behalf of itself and any other Subscribers added to its subscription (“Authorized End Users” or “Multi-User Subscriptions”) that

  1. access privileges may not be transferred to any third parties;

  2. it will not access, store, distribute or transmit any Viruses;

  3. it will comply with all applicable laws and regulations with respect to use of the Services;

  4. it will not rent, lease, sublicense, re-sell, distribute, transfer, copy or modify the Services or any component thereof;

  5. it will not translate, decompile, or create or attempt to create, by reverse engineering or otherwise, the source code from the object code made available hereunder;

  6. it will not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit the Services or any portion thereof;

  7. it will not delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from the website or contained in the Services;

  8. it is solely responsible for acquiring, installing, operating and maintaining the hardware and software environment, network connections and telecommunication links, necessary to access and use the Services; and

  9. it will not use the Services in any manner, or in connection with any content, data, hardware, software or other materials that infringes upon or violates any patent, copyright, trade secret, trademark, or other intellectual property right of any third party, or in any way that constitutes defamation, libel, invasion of privacy or the violation of any right of publicity or other third-party right, or in a way that is threatening, harassing or malicious.

 

10. NON-WAIVER

 

Except as otherwise expressly provided herein, no waiver of any covenant, condition, or provision of these Terms shall be deemed to have been made unless expressly in writing and signed by Money Matters or an authorized agent of Money Matters. The failure in any one or more instances of Money Matters to insist upon performance of any of the terms, covenants or conditions of these Terms, to exercise any right or privilege in these Terms conferred, or the waiver by said party of any breach of any of the terms, covenants or conditions of these Terms, shall not be construed as a subsequent waiver of any such terms, covenants, conditions, rights or privileges, but the same shall continue and remain in full force and effect as if no such forbearance or waiver had occurred.

 

11. SEVERABILITY

 

Any part, provision, representation or warranty of these Terms which is prohibited or which is held to be void or unenforceable shall be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof. Any provisions of these Terms which are prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and any such prohibition or unenforceability in any jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction

 

12. ENTIRE AGREEMENT

 

These Terms constitute the entire agreement between the parties with respect to the subject matter hereof and supersedes all other prior and contemporaneous agreements, understandings, inducements and/or conditions, express or implied, both written and oral, between Money Matters, its agents and/or affiliates and the Subscriber, with respect to the subject matter hereof. The express terms hereof control and supersede any course of performance and/or usage of the Services inconsistent with any of the terms hereof.

 

13. SURVIVAL

 

These Terms shall survive the termination of the Subscriber’s subscription and/or dealings with Money Matters, its agents and/or its affiliates.

 

Resolving Your Concerns

If you have any questions or concerns about Money Matter's personal information collection, use and disclosure practices, or terms and conditions, please let us know and we will do our best to help you. Please contact us directly at moneymattersclasses@gmail.com.