Terms and Conditions

Last Updated: December 29, 2025

1. Agreement to Terms

By accessing and using the Capitaleducation website (capitaleducation.online) and purchasing our magazine products, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not access our website or use our services.

2. Description of Service

Capitaleducation provides a financial literacy magazine publication service. We offer various subscription plans including single issues, quarterly bundles, annual subscriptions, and digital-only options. Our magazine contains educational content related to financial literacy, budgeting, and money management.

3. Eligibility

You must be at least 18 years old to purchase our products or use our services. By using our website, you represent and warrant that you meet this age requirement.

4. Orders and Payment

4.1 Order Acceptance

All orders are subject to acceptance by Capitaleducation. We reserve the right to refuse or cancel any order for any reason, including but not limited to product availability, errors in pricing or product information, or suspected fraudulent activity.

4.2 Pricing

All prices are listed in Canadian Dollars (CAD) and are subject to change without notice. The price charged will be the price displayed at the time of order placement.

4.3 Payment

Payment is required at the time of order placement. We accept various payment methods as indicated on our website. All payment information must be accurate and complete.

5. Subscriptions

5.1 Subscription Terms

Subscription plans are available for various durations (quarterly, annual). Your subscription will begin upon order confirmation and will continue for the selected term.

5.2 Renewal

Subscriptions do not automatically renew. You will need to place a new order when your current subscription expires if you wish to continue receiving the magazine.

5.3 Cancellation

You may cancel your subscription at any time by contacting customer support. Cancellations will take effect at the end of the current subscription period. Refunds for partial subscription periods will be handled according to our refund policy.

6. Delivery

6.1 Print Magazines

Print magazines are delivered via standard mail to the address provided at the time of order. Delivery times may vary based on location within Canada. We are not responsible for delays caused by postal services.

6.2 Digital Access

Digital magazine access will be provided via email after order confirmation. You are responsible for maintaining the confidentiality of your access credentials.

7. Returns and Refunds

We offer a 30-day satisfaction guarantee on annual subscriptions. If you are not satisfied within the first 30 days of your subscription, contact us for a refund consideration. Single issues and partially fulfilled subscriptions may not be eligible for refunds. Refund requests must be submitted in writing to customer support.

8. Intellectual Property

All content published in Capitaleducation magazine, including text, images, graphics, logos, and design elements, is the property of Capitaleducation or its content suppliers and is protected by copyright laws. You may not reproduce, distribute, modify, or create derivative works without express written permission.

9. User Conduct

You agree not to:

  • Use our website for any unlawful purpose
  • Attempt to gain unauthorized access to our systems
  • Interfere with the proper functioning of the website
  • Transmit any viruses, malware, or harmful code
  • Collect or harvest information about other users
  • Reproduce or redistribute our content without permission

10. Educational Content Disclaimer

The content provided in Capitaleducation magazine is for educational purposes only. It is not intended as financial advice, and should not be construed as such. For detailed information about the limitations of our content, please refer to our Disclaimer.

11. Limitation of Liability

To the fullest extent permitted by law, Capitaleducation shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

  • Your use or inability to use our services
  • Any unauthorized access to or use of our servers
  • Any interruption or cessation of transmission to or from our services
  • Any bugs, viruses, or similar elements that may be transmitted through our services
  • Any errors or omissions in any content

12. Indemnification

You agree to indemnify and hold harmless Capitaleducation and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from your violation of these Terms and Conditions or your use of our services.

13. Privacy

Your use of our website is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices.

14. Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to the website. Your continued use of our services after changes are posted constitutes your acceptance of the modified terms.

15. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

16. Dispute Resolution

Any disputes arising out of or relating to these Terms and Conditions or our services shall be resolved through good faith negotiations. If negotiations fail, disputes shall be resolved in the courts of Ontario, Canada.

17. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Capitaleducation regarding our services.

19. Contact Information

For questions about these Terms and Conditions, please contact us:

Capitaleducation Canada
457 Aurora Avenue, Suite 12
Ottawa, ON K1P 5J6
Canada

Phone: +1 (416) 731-0497
Email: [email protected]