Terms & Conditions

1. Introduction

Welcome to North Art Works! These Terms and Conditions govern your use of our website and the financial education services we offer. By accessing our website or enrolling in our courses, you agree to these terms. If you do not agree with any of these conditions, we kindly ask you not to use our website or services.

2. Use of Website

  • The content on North Art Works is provided for educational purposes only and does not replace individualized financial advice or professional financial planning services.
  • The application of financial strategies and educational tools provided is done at your own responsibility.
  • Any commercial use of our educational content and financial course materials without our prior written consent is prohibited.
  • We reserve the right to modify content, educational services, and course offerings without prior notice.

3. Intellectual Property

  • All content published on the website, including text, images, course materials, and financial information, is protected by copyright.
  • Without express permission, educational materials and resources may not be reproduced, distributed, or used for commercial purposes.
  • Trademarks, logos, and other protected elements appearing on the website belong to their respective owners.

4. Disclaimer

  • We do not guarantee specific financial results from following our educational content without establishing an individual coaching relationship.
  • North Art Works is not liable for damages resulting from the use or unavailability of the website or financial education services.
  • External links lead to third-party websites for which we assume no responsibility.

5. User Behavior

  • Users are obligated to use the website and financial education services in accordance with applicable law.
  • The sharing of course materials, resources, and coaching content with third parties without express permission is prohibited.
  • Content submitted in course discussions or forum posts must not contain offensive, discriminatory, or illegal content.

6. Changes to Terms

  • We reserve the right to update or modify these Terms and Conditions at any time, particularly when expanding our financial education offerings.
  • Continued use of the website or financial education services after a change constitutes acceptance of the new terms.

7. Refund Policy

  • For our Financial Foundations Course, students may request a full refund within 7 days of enrollment if they have completed less than 20% of the course content.
  • For the Wealth Acceleration Program, a 70% refund is available within 14 days of enrollment if less than 25% of the program has been accessed.
  • For the Financial Mastery Elite program, refunds are limited to 50% of the program fee if requested within 21 days of enrollment and before completing the personalized coaching session.
  • No refunds are available after the specified timeframes or if digital materials have been fully downloaded or accessed beyond the percentages stated above.
  • All refund requests must be submitted in writing to our support team and will be processed within 10 business days from approval.

8. Final Provisions

  • Should any provision of these Terms and Conditions be invalid or become invalid, the validity of the remaining provisions remains unaffected.
  • Canadian law applies exclusively.