Terms of Service & Investment Risk Disclosure

'Platform' refers to the Capital Compass website and all its content. 'User' refers to any individual accessing the Platform. 'Content' refers to all information, text, courses, and materials available on the Platform.

2. Services Provided

Capital Compass provides educational content for informational purposes only. We are not a registered investment advisor, broker-dealer, or financial planner. The Content provided is not, and should not be construed as, investment advice, a recommendation, or a solicitation to buy or sell any securities. All investment decisions are your own.

3. User Obligations

You agree to use the Platform for lawful purposes only. You are responsible for maintaining the confidentiality of your account credentials. You agree not to reproduce, duplicate, copy, sell, or resell any part of the service or content without our express written permission.

4. Payments and Subscriptions

For paid services, you agree to pay the specified fees. Subscriptions are billed on a recurring basis as described at the time of purchase. You may cancel your subscription at any time, but fees paid are non-refundable.

5. Intellectual Property

All Content on the Platform is the property of Capital Compass Financial Education Inc. and is protected by copyright and other intellectual property laws. Your access to the Platform does not grant you any ownership rights to the Content.

6. Disclaimers and Limitation of Liability

The Content on the Platform is provided 'as is' without warranties of any kind. We do not guarantee the accuracy, completeness, or timeliness of the information. Capital Compass will not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of the Platform or your investment decisions.

7. Investment Risk Disclosure

Investing in financial markets involves substantial risk. You should be aware that you may lose all or more than your initial investment. Past performance is not indicative of future results. The value of investments can go down as well as up. You should not invest money that you cannot afford to lose. Before making any investment, you should conduct your own research and/or consult with a qualified, licensed financial professional. You are solely responsible for evaluating the merits and risks associated with the use of any information on this Platform.

8. Final Provisions

These Terms shall be governed by the laws of the province of Alberta, Canada. We reserve the right to modify these terms at any time. Your continued use of the Platform after any changes constitutes your acceptance of the new Terms.