Terms and Conditions:

1.1 By accessing and using Abacus Exchange's services, including but not limited to its online platform, educational materials, and investment classes, you acknowledge and agree to be bound by the following terms and conditions.

Educational Content and Investment Advice:

2.1 Abacus Exchange provides educational content on investing in the stock market. However, it is important to note that the information provided is for educational purposes only and should not be considered as personalized investment advice.

2.2 Abacus Exchange does not guarantee the accuracy, completeness, or timeliness of any information provided. The company is not responsible for any investment decisions or losses incurred by users based on the information provided.

2.3 Users are solely responsible for their investment decisions and should seek independent professional advice before making any financial commitments.

No Refunds Policy:

3.1 Abacus Exchange does not offer refunds for its services or educational materials. Once a purchase is made, it is considered final and non-refundable.

3.2 By proceeding with a purchase, users acknowledge and agree that they have reviewed and understood the product or service they are purchasing.

User Conduct:

4.1 Users must comply with all applicable laws and regulations when using Abacus Exchange's services.

4.2 Users are prohibited from engaging in any activities that may disrupt or interfere with the proper functioning of Abacus Exchange's platform, including but not limited to hacking, spamming, or distributing malicious software.

4.3 Users shall not misuse or abuse any content or intellectual property provided by Abacus Exchange.

Limitation of Liability:

5.1 Abacus Exchange and its employees, affiliates, or agents shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use or inability to use its services or educational materials.

5.2 Abacus Exchange shall not be liable for any losses, damages, or liabilities incurred as a result of any investment decisions made by users based on the information provided.

Intellectual Property:

6.1 All content, including but not limited to text, graphics, logos, images, and videos, provided by Abacus Exchange is protected by copyright and other intellectual property laws.

6.2 Users are prohibited from reproducing, distributing, modifying, or creating derivative works of any content without prior written permission from Abacus Exchange.

Governing Law and Jurisdiction:

7.1 These policies and any disputes arising out of or relating to Abacus Exchange's services shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, and the applicable federal laws of Canada.

7.2 Any legal action or proceeding arising out of or relating to these policies shall be brought exclusively in the courts of the Province of Ontario, Canada.

Indemnification:

8.1 Users agree to indemnify and hold Abacus Exchange, its employees, affiliates, and agents harmless from any claims, damages, liabilities, or expenses arising out of their use of the services or violation of these policies.