Terms and Conditions

Last updated: June 29, 2024

Introduction

Welcome to Wealthcopilot.ca, owned and operated by Wealthcopilot Inc. (“Wealthcopilot,” “we,” “us,” or “our”). By accessing or using Wealthcopilot.ca, any of its subdomains, associated domains such as wealthcopilot.academy, or any related social media sites (collectively, the “Social Media Sites”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use our website or participate in our Social Media Sites.

Wealthcopilot reserves the right to modify these Terms at any time by posting the updated Terms on this website. Your continued use of the website or participation in the Social Media Sites after changes are posted constitutes your acceptance of the revised Terms. IF YOU DO NOT WISH TO AGREE TO THESE TERMS OF USE, DO NOT ACCESS OR USE ANY PART OF THIS WEBSITE OR PARTICIPATE IN ANY OF WEALTHCOPILOT’S SOCIAL MEDIA SITES.

Governing Law

This website and Wealthcopilot’s Social Media Sites are operated from Canada. All matters related to your access to, or use of, this website or any of our Social Media Sites shall be governed by the laws of the Province of Ontario and the federal laws of Canada. Any disputes arising from these Terms will be resolved in the courts of the Province of Ontario.

Intellectual Property Rights

All content on this website and on Wealthcopilot’s Social Media Sites, including text, graphics, logos, and software, is the property of Wealthcopilot Inc. or its licensors and is protected by copyright and other intellectual property laws. Unauthorized use, reproduction, or distribution of this content is prohibited. Any display or mention of trademarks, trade names, or service marks on this website or any of Wealthcopilot’s Social Media Sites does not imply that you have any right to use them without the express written consent of the rightful owner.

Limited License of Content

You are granted a limited license to display, download, print, and use the content of this website and Wealthcopilot’s Social Media Sites for your personal informational purposes or for educational, teaching, and training purposes only. You may not modify any content that you use. Commercial use of the content is strictly prohibited without prior written approval from Wealthcopilot Inc.

Uses Subject to Prior Written Approval

For uses of content from this website or Social Media Sites that fall outside the limited license granted above, you must obtain written approval from Wealthcopilot Inc. To request approval, please email your proposed use, including specific content and the manner of use, to info@wealthcopilot.ca. Wealthcopilot Inc. reserves the right to impose terms and conditions on the use of its content.

Informational Purposes Only

The content on this website and on Wealthcopilot’s Social Media Sites is provided for informational and educational purposes only. It is not intended as, and should not be considered, professional financial, legal, or tax advice. Always seek the advice of a qualified professional regarding any financial decisions.

Section-Specific Terms

Wealthcopilot App

The Wealthcopilot App provides tools for DIY investors to manage budgets, create financial plans, run simulations, and build portfolios.

  1. User Responsibilities: Users are responsible for their own financial decisions. The tools provided are for informational purposes and do not constitute personalized financial advice.
  2. Data Security: While we take measures to protect your data, we cannot guarantee absolute security. Users should protect their personal information.
  3. No Warranty: The Wealthcopilot App is provided “as is” without warranties of any kind, either express or implied.

Wealthcopilot Academy

The Wealthcopilot Academy offers educational resources and learning materials.

  1. Educational Use: Content in the Academy is for educational purposes only and is not professional advice.
  2. Content Changes: Wealthcopilot Inc. may update or change the Academy content at any time without notice.
  3. User Conduct: Users must engage respectfully and constructively. Inappropriate behavior may result in termination of access.

Wealthcopilot Blog

The Wealthcopilot Blog features educational and opinion articles from employees and external contributors.

  1. Opinions: The views expressed in the blog are those of the authors and do not necessarily reflect the official policy or position of Wealthcopilot Inc.
  2. User Content: Users are responsible for their comments and posts. Wealthcopilot Inc. reserves the right to moderate and remove inappropriate content.
  3. External Links: Blog posts may contain links to external websites. Wealthcopilot Inc. is not responsible for the content or practices of these external sites.

Embeddable Content

Where embed code is provided for content on this website, you are granted a limited license to use and display the Embeddable Content on your own site, subject to the following conditions:

  1. You may not charge for access to the Embeddable Content or use it to secure advertising.
  2. The Embeddable Content is provided “as is,” and its use is at your own risk.
  3. You may not suggest endorsement by Wealthcopilot Inc. of your site or any associated content.
  4. You must not alter or remove any copyright notices or links to these Terms of Use in the Embeddable Content.
  5. Wealthcopilot Inc. reserves the right to terminate your use of the Embeddable Content at any time.

Links to third-party websites are provided for convenience only. Wealthcopilot Inc. does not endorse or take responsibility for the content of these external sites.

Access to this website or any of Wealthcopilot’s Social Media Sites may be provided by a hypertext link or other link located at another website or social media site. Although Wealthcopilot encourages and appreciates links from third-party websites and social media sites, Wealthcopilot has no responsibility for the content of such sites and does not endorse, authorize, approve, certify, maintain, or control these other sites and does not guarantee the accuracy, completeness, efficacy or timeliness of the information located at such sites.

Prohibited Uses

You may not use this website in any manner that could damage, disable, overburden, or impair our services or interfere with any other party’s use of the website. Unauthorized attempts to gain access to any Wealthcopilot service or network are prohibited.

Termination

Wealthcopilot Inc. reserves the right to terminate your access to this website or any of our Social Media Sites at any time, without notice, for any reason.

Indemnification

You agree to defend, indemnify, and hold harmless Wealthcopilot Inc., including its subsidiaries, affiliates, officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your use of the website; (2) any user content you post; (3) your violation of these Terms; (4) your violation of any rights of a third party, including intellectual property rights; or (5) any overt harmful act toward any other user of the website. Notwithstanding the foregoing, Wealthcopilot Inc. reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. Wealthcopilot Inc. will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.

Disclaimer of Warranties

THE WEBSITE AND SERVICES ARE PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. YOU AGREE THAT YOUR USE OF THE WEBSITE AND SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WEALTHCOPILOT INC. DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE WEBSITE AND SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WEALTHCOPILOT INC. MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE WEBSITE’S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE WEBSITE AND WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE WEBSITE OR SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE WEBSITE OR SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE WEBSITE OR SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE WEBSITE OR SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE WEBSITE OR SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WEALTHCOPILOT INC. WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

Limitation of Liability

IN NO EVENT WILL WEALTHCOPILOT INC. OR ITS DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE WEBSITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE LESSER OF THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE TWELVE (12) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. CERTAIN PROVINCIAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

User Data

We will maintain certain data that you transmit to the website or Services for the purpose of managing the performance of the website and Services, as well as data relating to your use of the website and Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the website or Services. You agree that Wealthcopilot Inc. shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

Disclaimer and Non-Waiver of Rights

Wealthcopilot Inc. does not make any guarantees, representations, or warranties of any kind regarding the website and its associated technology and data. Your use of the website is at your sole risk. The website is provided “as is” and “as available” without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement, except as provided under the laws of any province in Canada.

Wealthcopilot Inc. and its subsidiaries, affiliates, suppliers, and licensors do not guarantee that the website will function uninterrupted, be secure, or be available at any particular time or location; that any errors or defects will be corrected; that the website is free of viruses or other harmful components; or that the results of using the website will meet your requirements.

If you breach any of these Terms and Wealthcopilot Inc. chooses not to immediately act, or chooses not to act at all, Wealthcopilot Inc. will still be entitled to all rights and remedies at any later date, or in any other situation, where you breach these Terms. Wealthcopilot Inc. does not waive any of its rights. Wealthcopilot Inc. shall not be responsible for any purported breach of these Terms caused by circumstances beyond its control. A person who is not a party to these Terms shall have no rights of enforcement.

Exclusions

Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you. Provincial laws of Canada may apply to certain products and services provided.

General

If any term or condition set out in these Terms of Use is held to be invalid, unenforceable, or illegal for any reason, the remaining terms and conditions will continue in full force. Wealthcopilot Inc.’s failure or delay to enforce any of these Terms of Use shall not operate as a waiver of any of Wealthcopilot Inc.’s rights or privileges under these Terms of Use. If these Terms of Use are translated into a language other than English and there are conflicts between the translations, the English version shall prevail and control.

Changes

Wealthcopilot Inc. reserves the right, at its sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our website or Social Media Sites after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, please stop using the website and the Social Media Sites.

Contact Us

If you have any questions about these Terms, please contact us at info@wealthcopilot.ca.

Social Media Guidelines

By participating in Wealthcopilot’s Social Media Sites, you agree to the following guidelines:

  1. No Endorsement: Content shared on our Social Media Sites does not imply endorsement by Wealthcopilot Inc.
  2. Third-Party Terms: Your use of Social Media Sites is also governed by the respective platforms’ terms and conditions.
  3. Your Content: Any content you post is public and may be used by Wealthcopilot Inc. and others.
  4. No Responsibility for Third-Party Views: Wealthcopilot Inc. is not responsible for third-party content posted on our Social Media Sites.
  5. Right to Moderate: Wealthcopilot Inc. reserves the right to review, edit, or delete any content deemed inappropriate.
  6. No Duty to Monitor: Wealthcopilot Inc. is not obligated to monitor or moderate content but may do so at its discretion.

Failure to comply with these guidelines may result in the termination of your access to Wealthcopilot’s Social Media Sites.