Terms of Service

1. Acceptance of Terms

By accessing and using the Finance Cornerstone website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Service Description

Finance Cornerstone provides online English language learning courses and related educational services to students across Canada. Our services include but are not limited to:

• Online English courses (General English, Business English, Test Preparation)
• Live interactive sessions with certified instructors
• Educational materials and resources
• Progress tracking and assessment tools
• Student support services

3. Registration and Account

To access certain features of our services, you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your password and identification
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities under your account

4. Course Enrollment and Payment

Enrollment

Course enrollment is subject to availability and our approval. We reserve the right to refuse enrollment for any reason.

Payment Terms

• Course fees must be paid in full before course access is granted unless alternative payment arrangements have been made
• All prices are in Canadian dollars and include applicable taxes
• Payment methods accepted include major credit cards and bank transfers
• Late payment fees may apply for overdue accounts

Refund Policy

• Full refund available within 7 days of course start date
• Partial refunds may be available at our discretion based on course completion
• No refunds for courses completed beyond 50% of the curriculum
• Refund processing may take 5-10 business days

5. User Conduct

You agree to use our services only for lawful purposes and in accordance with these Terms. You agree not to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit any harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Share course materials with unauthorized parties
• Disrupt or interfere with our services
• Use our services for commercial purposes without permission

6. Intellectual Property

All content, materials, and intellectual property associated with our services remain the exclusive property of Finance Cornerstone or our licensors. This includes:

• Course materials, videos, and educational content
• Website design, graphics, and user interface
• Trademarks, logos, and brand elements
• Software and technology platforms

You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission.

7. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of our services, to understand our practices regarding the collection and use of your information.

8. Service Availability

While we strive to provide uninterrupted service, we cannot guarantee that our services will be available at all times. We may experience downtime due to:

• Scheduled maintenance
• Technical difficulties
• Third-party service interruptions
• Force majeure events

We will make reasonable efforts to minimize service interruptions and provide advance notice when possible.

9. Limitation of Liability

To the maximum extent permitted by law, Finance Cornerstone shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our services, even if we have been advised of the possibility of such damages.

10. Indemnification

You agree to indemnify, defend, and hold harmless Finance Cornerstone, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of our services or violation of these Terms.

11. Termination

We may terminate or suspend your account and access to our services immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use our services will cease immediately.

12. Modifications

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting the new Terms on our website and updating the "Last updated" date. Your continued use of our services after such modifications constitutes acceptance of the updated Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of British Columbia, Canada, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of British Columbia.

14. Contact Information

If you have any questions about these Terms of Service, please contact us: