Terms & Conditions
TERMS AND CONDITIONS OF USE
Last Modified: October 10, 2021
2541933 Ontario Ltd. ("we", "us" or "our") doing business as Financially Fulfilled Physio is a company incorporated pursuant to the laws of Ontario, Canada. In consideration for permitting your access to our website (https://www.financiallyfulfilledphysio.com) and related domains and subdomains, online coaching services and courses, along with other good and valuable consideration, you agree as follows:
These terms and conditions of use (the "Terms") form a legally binding agreement which govern your access to and use of our website, services and courses. Collectively our website and our online courses and coaching sessions are referred to in these Terms as the “Services”.
THESE TERMS HAVE PROVISIONS WHICH LIMIT OUR LIABILITY AND IMPOSE OBLIGATIONS ON YOU.
You must review these Terms carefully before using the Services. By using the Services, you, the user ("you" or "your"), represent and warrant that (i) you are at least 18 years old; and (ii) you have read and understand these Terms and agree to be bound by them.
If you are using the Services on behalf of, or in the employ of, an organization (corporation, trust, partnership, etc.), you are agreeing to these Terms for that organization and representing and warranting that you have the authority to bind that organization to these Terms. In such a case, "you" and "your" will also refer to that organization and yourself individually. For greater clarity, both you as an individual and your organization are legally bound by these Terms which form an agreement between you and us.
AMENDMENTS
As the Services and our courses continue to evolve, we may, at any time, revise these Terms and our policies by updating this page or the page hosting the relevant policy. The date of the last version of these Terms is posted above. While we will never retroactivly change any pricing detials you have already accepted, as you are bound by these Terms each time you use the Services, you are responsible for periodically reviewing the amendments to these Terms and you are deemed to have accepted and agreed to such amendments by accessing and using the Services after such amendments have been posted. If you do not agree with the amendments, you shall immediately stop accessing the Services and terminate your account, subject to the terms provided for herein. We may also undertake to send you an email or display notice of any changes to the Terms or policies in your account.
PRIVACY
We use personal information you provide us in accordance with our privacy policy, which is incorporated by reference and available online at https://www.financiallyfulfilledphysio.com/privacy-policy. By using the Services, you consent to such processing and you represent to us that all information provided by you is accurate.
About Our Online Service
We provide online courses and live coaching sessions with information and educational resources on financial literacy. However, neither we nor any of our directors, officers, employees or representatives (including Robin Valadares) are professional investment advisors or registered broker dealers.
While we provide financial literacy training and education, we do not endorse making any specific investments or trading in any specific financial assets. See our “Acceptance of Risk and Disclaimers” section below for more details. Our Services and all information you receive from us and our representatives, are intended for informational and educational purposes only.
To access our courses and live coaching sessions, you must be able to access Google Meet or any subsequent online video conferencing technology we may use. For details on Google Meet, see https://meet.google.com.
Establishing an Account
To use or access certain aspects of our Services, you may be required to register an account on our website and provide certain personal information as referenced in our privacy policy.
Regardless of whether you access free or publicly displayed content (or parts thereof), pay for course access or our Services directly or not, you agree that access to our website, your account and/or our Services constitutes good and valuable consideration in exchange for agreeing to these Terms, our privacy policy and all other documents and policies incorporated by reference.
Upon establishing an account, we grant you a non-transferable, non-exclusive license to access our website via your account in accordance with these Terms. However, we reserve the right to revoke that license and your access to the website without justification or cause, at any time. We make no representations or warranties as to the ongoing availability of the Services, or your access to our website or content we publish.
Account Not Transferrable
Access to your account is not transferrable and is only intended for you, the individual who established the account. As a result, you are not permitted to change the name associated with your account or share your login credentials with any third party.
Account Security
Upon setting up an account, you will be required to create a username and password. You are responsible for safeguarding the password you use to access the Services and you agree not to disclose your password to any third-party.
You agree to use a unique password for your account which you do not use for any other online service. As we, or our third party software providers, may send password reset notices and links to your email account registered on the Services (i) you are responsible for ensuring that your email address provided to us is accurate; and (ii) you represent and warrant to us, and agree that you will ensure, you are the sole person, at all times, with access to the email account registered in connection with your account.
You agree you are responsible for any activity on your account and all correspondence provided to us from any email address or phone number used to register your account, whether or not you authorized that activity or correspondence. You agree that we are, in respect of any instructions or actions taken by a person using your account, entitled to assume that the person is you; the person whose name and personal information is registered and associated with the account.
You must immediately notify us of any unauthorized use of your account.
You agree and acknowledge that your account data, payment information and personal information will involve transmissions over various networks and devices, including networks and devices not owned or controlled by us. We rely on a number of third parties to make the Services available, including data, payment and web hosting providers. You accept all such risks in using the Services and you agree and acknowledge that in using online platforms and payment processes, there is always a risk of unauthorized access to and use of your payment and personal information.
Acceptable Use of the Services
In using the Services, you agree, and you represent and warrant to us that you:
Will not use the Services in a way that has any unlawful or fraudulent purpose or effect;
Will not copy and resell or reuse, for any commercial purposes, all or any portion of our course contents, or any copyrighted contents owned by us or any third party;
Will comply with all applicable laws, rules and regulations;
Will not upload, transmit, disseminate, post, share, store, use any content, data or information, perform any services or do anything that infringes on, or contributes to any infringement of, any intellectual property rights; including copyright, trademark, patent or trade secret rights, whether of ours or any third party;
Will not disclose your password or transfer your account to any third party, or allow any third party to access your account;
Will not send us, upload, copy, distribute, share, create or otherwise use content, code or information that contains or embodies software viruses or any other malicious computer code that is designed to interrupt, undermine, destroy or limit the functionality of any computer software, hardware or communications equipment, or that is designed to perform functions on any software, hardware or equipment without the owner's express consent;
Will not use any software bot or data scraping techniques that accesses the Services or courses to scrape, record or pull data for any purpose, whether such data was displayed publicly or not.
Will not collect, harvest or store any personally identifiable information, including user account information, from us;
Will not translate, reverse engineer, decompile, disassemble, modify or create derivative works based on the Services and its underlying software code or any courses, downloads or information thereon or linked thereto; and
Will not circumvent, disable, violate or otherwise interfere with any security related feature of the Services.
We may, but have no obligation to, remove users from the Services that we determine, in our sole discretion, to have, or which may reasonably appear to have, violated these Terms.
Course Access
When you purchase access to our courses, you are purchasing a limited license to access a live course presented online or a recorded version. Your license to access and use the course will expire at the end of the live course session. While we may record live video from our online courses, we shall have no obligation to make such recordings available to you.
Aside from course resources clearly marked or made available for download by us, you agree not to copy or download any portion of our courses or record any portion thereof.
For course contents you pay for and we make accessible to you, whether for download, in-print or otherwise, you agree that you are granted a non-exclusive personal use license to that content on the following terms:
Print: You may download PDF materials we make available to you and print a copy for your personal use.
Electronic Use: You may download PDF materials electronically to be displayed and used on your own personal computing devices, including for example, a personal computer, tablet or smart phone;
Non-Commercial Use: You are not permitted to sublicense, sell access to, or otherwise commercialize the course contents or downloadable resources (including PDF files or printed copies thereof);
No Recordings for Commercial Use: Unless with our express written permission, you shall not use course contents in public presentations, or to create audio or video recordings of the course contents, or any part thereof, for either commercial or personal purposes;
No-Derivatives: If you create derivative works or otherwise build upon the course contents for your own personal purposes, you shall not sell, license, share, distribute or publicly perform the modified work without our express written permission; and
No Reselling or Sharing: You shall not resell, share or otherwise distribute the course contents with third parties. This includes sharing PDF or other course files, or a printed copy thereof.
You acknowledge that there are strict penalties, including statutory damages, that apply to the unlawful use of copyrighted materials.
You are not authorized and agree not to remove any copyright notices, disclaimers or warnings imprinted on course materials or downloads.
About our Coaching Services
We also provide financial literacy coaching services. While we may perform the Services using our own employees, we may also subcontract the Services to individual coaches or other entities. Your coach will be identified in our correspondence with you.
Fees
Our fees for using the Services and licensing course access are displayed on our website and/or third party websites. By agreeing to these Terms, you agree to pay all fees associated with or arising from your account and courses you enroll in or access.
If you subscribe to our coaching services, the duration and the fees payable will be as described on our website or in our correspondence with you, whether via email or otherwise. Those fees, minimum subscription periods and the scope of services (including any renewals discussed in our correspondence with you) are incorporated by reference herein.
Our fees are subject to change, however, under no circumstance will our fees for accessing courses or our coaching services change retroactively.
Refunds and Cancellation
Unless billed in error, we do not offer refunds or cancellations for any completed payments or for any prepayments towards our courses or coaching services.
If you miss a scheduled coaching session or live course, your prepayment will be applied to that session or course.
If we elect to cancel or terminate any of the coaching services and you have pre-paid amounts to us, we will refund a proportionate dollar amount based on the duration of the coaching services performed, measured against the coaching services yet to be performed.
Taxes
All fees are subject to the addition of sales and other applicable taxes. You agree to pay any and all sales taxes, whether Canadian or foreign, applicable to this agreement or arising in any way from your account and access to and use of the Services, our courses and our services.
Payment
You agree that we may require that you pay all fees for course access, or the initial portion of any coaching subscription period in advance. Other payment terms may be specified on our website or in our correspondence with you, which are incorporated by reference herein.
We facilitate payment for course access and coaching services via Stripe, Inc., Stripe Payments Canada, Ltd. and their related entities (collectively “Stripe”). For more information on Stripe’s terms of service, their Stripe Services Agreement and privacy policy, visit https://stripe.com/en-ca/ssa and https://stripe.com/en-ca/privacy.
You agree that we may bill your credit card or other payment method for all fees and taxes. Where we do not bill your payment method in advance, you agree that all invoices we provide you shall become due upon receipt.
ACCEPTANCE OF RISK AND DISCLAIMERS
EVERYTHING ON OUR WEBSITE AND PROVIDED AS PART OF OUR COURSES AND COACHING SESSIONS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. WE HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY.
NOTHING PUBLISHED ON OUR WEBSITE, COURSE MATERIALS, WRITTEN IN EMAILS, DELIVERED AS PART OF OUR COACHING SERVICES, PUBLISHED ON OUR OR IN CONNECTION WITH OUR SOCIAL MEDIA FEEDS SHOULD BE CONSTRUED AS SPECIFIC INVESTMENT OR FINANCIAL ADVICE IN YOUR CIRCUMSTANCES, OR ADVICE TO EITHER BUY OR SELL VARIOUS FINANCIAL ASSETS. ACCORDINGLY, YOU ACCEPT ALL RISKS ASSOCIATED WITH ANY DECISION TO BUY OR SELL FINANCIAL ASSETS. FOR GREATER CLARITY, NONE OF OUR COURSES, PUBLICATIONS, MARKETING MATERIALS OR SOCIAL MEDIA FEEDS ARE, NOR ARE THEY INTENDED TO BE, FINANCIAL, ACCOUNTING, TAX, LEGAL OR INVESTMENT ADVICE.
WE DO NOT GUARANTEE THE ACCURACY OF ALL INFORMATION PUBLISHED ON OUR WEBSITE OR MADE AVAILABLE AS PART OF OUR COURSES. IN SOME CASES, INFORMATION MAY BECOME OUTDATED AND NO LONGER APPLICABLE. YOU ARE ENCOURAGED TO CONDUCT YOUR OWN INDEPENDENT RESEARCH TO CONFIRM INFORMATION IS ACCURATE AND CURRENT.
NEITHER WE, NOR ANY REPRESENTATIVES FEATURED IN OUR COURSE CONTENT, INCLUDING FOR EXAMPLE ROBIN VALADARES, ARE LAWYERS, ACCOUNTANTS, INVESTMENT OR FINANCIAL ADVISORS. THE INFORMATION ON OUR WEBSITE AND MADE AVAILABLE AS PART OF OUR SERVICES IS GENERAL IN NATURE AND ARE NOT SPECIFIC TO YOUR CIRCUMSTANCES.
YOU SHOULD NOT MAKE DECISIONS (FINANCIAL, INVESTMENT, TRADING OR OTHERWISE) BASED ON THE INFORMATION PRESENTED ON OUR WEBSITE OR AS PART OF OUR SERVICES WITHOUT UNDERTAKING INDEPENDENT DUE DILIGENCE AND CONSULTING WITH A PROFESSIONAL BROKER, FINANCIAL OR INVESTMENT AND TAX ADVISOR.
NOTHING AVAILABLE ON OUR WEBSITE OR IN OUR CORRESPONDENCE WITH YOU, OUR COURSES OR SOCIAL MEDIA CONTENT SHOULD BE UNDERSTOOD AS A RECOMMENDATION OR ADVICE FOR YOU TO TAKE ANY FINANCIAL ACTION, LET ALONE MAKE A DECISION TO EITHER BUY OR SELL SPECIFIC FINANCIAL ASSETS.
WE DO NOT GUARANTEE ANY SPECIFIC RESULTS FROM TAKING OUR COURSES OR ATTENDING A COACHING SESSION.
WE ARE NOT AN ACCREDITED COLLEGE, SCHOOL OR UNIVERSITY. OUR COURSES AND COACHING SESSIONS DO NOT RESULT IN ANY DESIGNATION, CERTIFICATION OR CERTIFICATE BEING AWARDED TO YOU.
YOU AGREE THAT, WHILE WE STRIVE TO HAVE ERROR FREE AND UNINTERRUPTED WEBSITE AND SERVICES, WE DO NOT GUARANTEE THE ABSENCE OF INTERRUPTIONS NOR SHALL YOU HOLD US LIABLE FOR ANY DAMAGE SUCH INTERRUPTIONS MAY CAUSE. OUTAGES AND DOWNTIME MAY OCCUR FOR VARIOUS REASONS.
WHILE OUR COURSES, MARKETING MATERIALS, SOCIAL MEDIA AND EMAIL ACCOUNTS RELATED TO OUR COMPANY MAY HAVE REFERENCE TO SPECIFIC BANKS, FINANCIAL INSTITUTIONS, TRADING PLATFORMS AND OTHER THIRD PARTIES, WE DO NOT ENDORSE ANY SPECIFIC THIRD PARTIES TO HANDLE YOUR MONEY OR INVESTMENTS. WE MAKE NO REPRESENTATIONS OR WARRANTIES IN RESPECT OF ANY SUCH THIRD PARTIES.
YOU AGREE AND ACKNOWLEDGE THAT ROBIN VALADARES AND ANY OTHER INDIVIDUAL WHO IS FEATURED IN VIDEOS ON THE PLATFORM, OR ON OUR SOCIAL MEDIA FEEDS, OR IN ANY WAY CONNECTED THERETO, ACT ON BEHALF OF 2541933 ONTARIO LTD.
WITHOUT LIMITING ANY OTHER SECTION OF THESE TERMS, YOU AGREE THAT WE SHALL NOT BE RESPONSIBLE FOR ANY DAMAGES YOU SUFFER, HOWSOEVER CAUSED, ARISING FROM THE ACTS OR OMISSIONS, INCLUDING THE NEGLIGENT ACTS OR OMISSIONS, OF OTHER USERS ON THE PLATFORM, THIRD PARTY SOFTWARE PROVIDERS, OUR INDEPENDENT CONTRACTORS, PAYMENT PROCESSORS OR THIRD-PARTY SERVICE PROVIDERS.
YOU AGREE THAT, WHILE WE STRIVE TO HAVE THE SERVICES ERROR FREE AND UNINTERRUPTED, WE DO NOT GUARANTEE THE ABSENCE OF ERRORS OR INTERRUPTIONS. YOU AGREE THAT WE SHALL NOT BE HELD LIABLE FOR ANY DAMAGE SUCH ERRORS OR INTERRUPTIONS MAY CAUSE. WE MAY ALSO PERFORM SCHEDULED MAINTENANCE WHICH WILL RESULT IN OUR WEBSITE BEING UNAVAILABLE FOR CERTAIN PERIODS OF TIME.
Limitation of our liability
YOU AGREE THAT TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE, OUR SHAREHOLDERS, DIRECTORS, OUR EMPLOYEES OR OUR CONTRACTORS (INCLUDING BUT NOT LIMITED TO ROBIN VALADARES, INDIVIDUALLY) BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES, HOWSOEVER CAUSED, INCLUDING BY NEGLIGENCE OR OTHERWISE, REGARDLESS OF LEGAL THEORY AND WHETHER OR NOT WE HAVE BEEN WARNED OF THE POSSIBILITY OF SUCH DAMAGES AND WHETHER THOSE DAMAGES WERE FORESEEABLE OR NOT.
IF YOU ARE DISSATISFIED WITH THE PLATFORM, OUR COURSES OR DO NOT AGREE WITH ANY PART OF THESE TERMS, OR HAVE ANY OTHER DISPUTE OR CLAIM WITH OR AGAINST US, OUR SHAREHOLDERS, OUR DIRECTORS OUR EMPLOYEES, OUR CONTRACTORS OR ROBIN VALADARESE, THEN YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE ACCESSING AND USING THE SERVICES.
IN ADDITION TO YOUR AGREEMENT TO NOT HOLD THE ABOVE ENTITIES AND PERSONS LIABLE FOR ANY DAMAGES, IN THE EVENT A COURT OR ARBITRATOR OF COMPETENT JURISDICTION DECLINES TO UPHOLD SAID CLAUSE, YOU AGREE THAT IN NO CIRCUMSTANCES SHALL OUR (OR ANY OF THE PARTIES OR INDIVIDUALS LISTED ABOVE) AGGREGATE LIABILITY FOR ANY AND ALL CLAIMS RELATING TO OR IN ANY WAY ARISING FROM THE USE OF THE SERVICES, OR IN ANY WAY RELATED TO THESE TERMS, BE MORE THAN THE GREATER OF:
THE VALUE OF ANY COURSES YOU HAVE DIRECTLY PAID FOR IN THE PREVIOUS TWO (2) MONTHS FROM THE DATE YOU FIRST RAISED YOUR CLAIM WITH US; OR
THE VALUE OF ANY FEES PAID BY YOU TO US FOR A COACHING SESSIONS OVER THE PREVIOUS TWO (2) MONTHS FROM THE DATE YOU FIRST RAISED YOUR CLAIM WITH US.
YOU AGREE AND ACKNOWLEDGE THAT WE WOULD NOT ENTER INTO THIS AGREEMENT OR GRANT ACCESS TO THE PLATFORM, OUR CONTENT OR OUR COURSES WITHOUT THESE RESTRICTIONS AND LIMITATIONS ON OUR LIABILITY.
Indemnification
YOU AGREE TO INDEMNIFY US, OUR SHAREHOLDERS, DIRECTORS, EMPLOYEES, CONTRACTORS AND ROBIN VALADARES, AND TO DEFEND AND HOLD EACH OF THEM HARMLESS, FROM ANY AND ALL CLAIMS AND LIABILITIES (INCLUDING REASONABLE LEGAL FEES) WHICH MAY ARISE FROM (I) YOUR VIOLATION OF THESE TERMS OR ANY POLICY INCORPORATED BY REFERENCE; (II) YOUR VIOLATION OF ANY THIRD-PARTY RIGHT; (III) ANY BREACH OF A REPRESENTATION OR WARRANTY MADE BY YOU TO US, EITHER IN THESE TERMS, PRIVACY POLICY OR OTHERWISE; AND (IV) ANY CLAIM FOR DAMAGES SUFFERED BY ANOTHER USER OF OUR PLATFORM OR OUR COURSES, WHICH YOU CAUSED OR CONTRIBUTED TO.
Proprietary Rights
The Services contain open source and public domain content, licenced content as well as proprietary content owned by us and by third parties. You are not permitted to copy, use or distribute any content (including but not limited to text, course contents, software code, images, trademarks, videos or audio) on the Services without the express consent of the owner.
All rights, title and interest in and to the Services and course contents are and will remain the exclusive property of 2541933 Ontario Ltd. and our licensors.
The Services and all content thereon are protected by copyright, trademark and other laws of Canada, the United States and foreign countries. You agree not to reproduce, modify or prepare derivative works, distribute, sell, transfer, publicly display, publicly perform, transmit, or otherwise use the Services or any course content or materials thereon, without our express written consent.
You are not permitted to use any trademark or trade name of 2541933 Ontario Ltd, including our logo, without our express permission.
Your Content
The Services may permit you and other users the ability to upload and post content ("User Content"). You own your User Content. While it may be displayed publicly on the Services, you can request that we delete your User Content at any time. We do not pre-screen User Content uploaded or posted to the Services by you or other users.
You hereby grant us a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use any of your User Content that you post or upload to the Services in order to facilitate the ordinary use of the Services. Our license to use that content ends when it is deleted from the Services.
Copyright Notice
If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement and is accessible on the Services, please notify via email at info@financiallyfulfilledphysio.com. While we take no responsibility for any user who breaches your copyright or other intellectual property rights, we may, in our sole discretion and without liability, undertake to attempt to contact the infringer on your behalf.
Linked Sites
Whether or not we are affiliated with websites or third-party vendors that may be linked to the Services, you agree that we are not responsible for their content. Internet links found on the Services, whether posted by us or a third party, are not an endorsement and we do not represent or warrant the accuracy or truth of the contents, or endorse the products, services or information found on said websites. You access those links and corresponding websites at your own risk.
You agree and acknowledge that in some instances our website or social media content may provide information on third parties (including banks, brokerages platforms and others) and their products and services, and that in doing so, we may provide affiliate (or referral) links, which, when you click, may entitle us to be paid fees from the applicable vendor. You agree that we may receive such payments.
Law of the Contract (Governing Law) and Jurisdiction.
These Terms, all documents incorporated by reference and your relationship with us shall be governed by, construed and enforced in accordance with the laws of the Province of Ontario, Canada, (and any Canadian federal laws applicable therein) as it is applied to agreements entered into and to be performed entirely within such province.
You hereby agree to irrevocably and unconditionally submit to the exclusive jurisdiction of the courts and tribunals of Ontario, Canada (including the Federal courts and tribunals as applicable therein) to settle any disputes arising out of or in any way related to these Terms, all documents incorporated by reference and your relationship with us.
Severability
If any provision of these Terms are found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.
No Interpretation Against Drafter
If an ambiguity or question of intent arises with respect to any provision of these Terms, the Terms shall be construed as if drafted jointly by the parties and no presumption or burden of proof will arise favouring or disfavouring either party by virtue of authorship of any of the provisions of these Terms.
Waiver of Class Proceedings and Trial By Jury
To the extent permitted by law, you hereby waive your right to participate in any class action lawsuits against us, our contractors, employees, directors, officers, shareholders, successors and assigns. To the extent permitted by law, you further waive any right to a trial by jury, should such a right exist, in relation to any legal dispute connected to or in any way arising out of these Terms.
Incorporation by Reference
All policies referred to in these Terms or anywhere on the Services are hereby incorporated by reference, including but not limited to our Privacy Policy.
Termination
Though we would much rather you stay, you can stop using the Services at any time. Please contact us to learn more about terminating your account. Notwithstanding your decision to delete your account or nor longer use the Services, you agree to pay all fees and taxes as set out in these Terms and as posted on our website and the Services.
We also reserve the right to suspend your account or access to the Services at any time, with or without reason or cause, and with or without notice.
The cancellation, suspension or termination of access to the Services shall not terminate this agreement. In particular, and without limiting the generality of the foregoing, any provision concerning the limitation of our liability, your indemnification obligations, settling disputes (including the jurisdiction and choice of law) shall remain binding.
Assignment of this Agreement
These Terms shall enure to the benefit of and is binding upon the parties and their respective successors and permitted assigns. You agree that we may assign this agreement to any successor or assignee, whether pursuant to the purchase of the Services by a third party, the transfer of control of our company or otherwise.
Right to Seek Injunction
Violation of these Terms may cause us irreparable harm and, therefore, you agree that we will be entitled to seek extraordinary relief including, but not limited to, temporary restraining orders, preliminary injunctions and permanent injunctions without the necessity of posting a bond or other security, in addition to and without prejudice to any other rights or remedies that we may have for a breach of these Terms.
Waiver
Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.
New Features
Any new features that augment or enhance the current the Services, including the release of new versions of our website, new courses, new products or services, tools and resources, shall be subject to these Terms.