Date Effective: January 2, 2022

This website (the “Site”) is owned and operated by 1222675 B.C. LTD. (“1222675 B.C.” “we” or “us”) also know as RETIRE EARLY PRO (“RETIRE EARLY PRO” “we” or “us”) . By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from RETIRE EARLY PRO. Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.

We reserve the right to change these Terms of Service or to impose new conditions on use of the Site, from time to time, in which case we will post the revised Terms of Service on this website. By continuing to use the Site after we post any such changes, you accept the Terms of Service, as modified.

DISCLAIMERS

With regards to financial content on the site:

Neither RETIRE EARLY PRO nor its owners, officers, directors, employees, subsidiaries, affiliates, licensors, service providers, content providers, and agents act as financial advisers, and nothing on the site is intended to be or construed as financial advice.

THE CONTENT ON THIS SITE IS INTENDED SOLELY FOR INFORMATIONAL AND EDUCATIONAL PURPOSES AND SHOULD NOT BE INTERPRETED AS PROFESSIONAL FINANCIAL ADVICE. GIVEN THAT INDIVIDUAL CIRCUMSTANCES ARE UNIQUE, PLEASE CONSULT WITH A LICENSED PROFESSIONAL BEFORE MAKING ANY DECISIONS BASED ON THE INFORMATION PROVIDED HERE.

RETIRE EARLY PRO is not an investment advisory service, does not function as an investment adviser, and does not offer personalized financial advice or operate as a financial advisor. RETIRE EARLY PRO exists solely for educational and entertainment purposes, and the materials and information contained herein are intended for general informational purposes only.

Other Disclaimers

The information contained in this website (including but not limited to content in any format) is based on sources and information reasonably believed to be accurate as of the time it was recorded or created. However, this material deals with topics that are constantly changing and are subject to ongoing changes related to technology and the marketplace as well as legal and related compliance issues. Therefore, the completeness and current accuracy of the materials cannot be guaranteed. These materials do not constitute legal, compliance, financial, tax, accounting, or related advice.

The end user of this information should therefore use the contents of this program and the materials as a general guideline and not as the ultimate source of current information and when appropriate the user should consult their own legal, accounting or other advisors.

Any case studies, examples, or illustrations cannot guarantee that the user will achieve similar results. In fact, your results may vary significantly and factors such as your market, personal effort and many other circumstances may and will cause results to vary.

Throughout the Site, we may offer links and references to Internet sites maintained by third parties. Our inclusion of such links to third-party sites does not imply an endorsement or sponsorship of these sites, nor does it suggest an endorsement of the information, products, or services presented on or through these sites. Additionally, neither we nor our affiliates have any control or operation over any information, products, or services that third parties may provide on or through the Site or on websites linked to by us on the Site.

If applicable, any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, are solely those of the respective authors or distributors and not reflective of RETIRE EARLY PRO. Neither RETIRE EARLY PRO nor any third-party information provider guarantees the accuracy, completeness, or usefulness of any content. Furthermore, RETIRE EARLY PRO neither endorses nor assumes responsibility for the accuracy and reliability of any opinion, advice, or statement made on any of the Sites by anyone other than an authorized RETIRE EARLY PRO representative while acting in an official capacity.

The information, products, and services offered on or through the Site and by RETIRE EARLY PRO and any third-party sites are provided “as is” and without warranties of any kind, either express or implied. To the fullest extent permissible under applicable law, we disclaim all warranties, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. We do not warrant that the Site or any of its functions will be uninterrupted or error-free, that defects will be corrected, or that any part of this Site. We do not warrant or make any representations regarding the use or results of the use of the Site or materials on this Site or on third-party sites in terms of their correctness, accuracy, timeliness, reliability, or otherwise.

Intellectual Property Rights

Our Limited License to You. This Site and all materials accessible on the site are the proprietary assets of us and/or our affiliates or licensors, safeguarded by copyright, trademark, and other intellectual property laws. The Site is exclusively provided for your personal noncommercial use. Unauthorized use of the Site or its materials that infringes upon our rights or lacks explicit authorization is prohibited. Specifically, unless expressly permitted in these Terms of Service or by the materials’ owner, you are prohibited from modifying, copying, reproducing, republishing, uploading, posting, transmitting, translating, selling, creating derivative works, exploiting, or distributing any material from the Site in any manner or medium (including via email or other electronic means). However, you may occasionally download and/or print a single copy of individual pages from the Site for your personal, non-commercial use, as long as you retain all copyright and other proprietary notices.

Your License to Us. By posting or submitting any material (including, but not limited to, comments, blog entries, Facebook postings, photos, and videos) to us through the Site, internet groups, social media venues, or to any of our staff via email, text, or any other means, you affirm: (i) that you either own the material or are making the posting or submission with the explicit consent of the material owner; and (ii) that you are thirteen years of age or older. Furthermore, upon submitting, emailing, texting, delivering, or posting any material, you grant us, and those authorized by us, an enduring, irrevocable, royalty-free, non-exclusive, unrestricted, global license to utilize, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such material, either in whole or in part, through any manner or medium, presently known or developed in the future, for any purpose. This grant encompasses the right to exploit any proprietary rights in such posting or submission, including, but not limited to, rights under copyright, trademark, service mark, or patent laws in any relevant jurisdiction. Additionally, as part of exercising these rights, you authorize us, and those authorized by us, to identify you as the author of any of your postings or submissions using your name, email address, or screen name, as deemed appropriate.

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You acknowledge and consent that any contributions you create for us will be considered a “work made for hire” within the scope of the definition in Section 101 of the United States Copyright Law, as amended. Consequently, the copyrights in such works will be the property of RETIRE EARLY PRO from their inception. RETIRE EARLY PRO will be regarded as the author and exclusive owner, with the right to exploit the results and proceeds in any media, known or developed in the future, worldwide, perpetually, in all languages, as determined by RETIRE EARLY PRO. In the event that the results and proceeds of your submissions are not classified as a “work made for hire” under Section 101 of the Copyright Act, as amended, you hereby assign, convey, and transfer to RETIRE EARLY PRO all proprietary rights, including but not limited to copyrights and trademarks, worldwide, perpetually, in every medium, known or developed in the future, without additional compensation. Any posted material that reproduces your prior works will be co-owned by us.

You recognize that RETIRE EARLY PRO has the right, though not the obligation, to use and display any postings or contributions, and RETIRE EARLY PRO may choose to discontinue the use and display of such materials (or any portion thereof) at any time and for any reason.

Regarding limitations on linking and framing, you may establish a hypertext link to the Site as long as it does not imply sponsorship by us or the Site. However, without our prior written permission, you may not frame or inline link any content of the Site or incorporate our material, content, or intellectual property into another website or service.

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Online Commerce

You acknowledge and accept financial responsibility for all transactions initiated by you or someone authorized to act on your behalf through the Site. Your usage of the Site and the acquisition of services or products through it is to be conducted exclusively for legitimate, non-commercial purposes. You further commit to refrain from making purchases for speculative, false, or fraudulent purposes, or with the intention of manipulating demand for a specific product or service. Your agreement is limited to the acquisition of goods or services for yourself or individuals for whom you possess legal authorization. In the event of a purchase on behalf of a third party that involves the submission of the third party’s personal information to us or a merchant, you assert that you have obtained explicit consent from the said third party to disclose their personal information.

Interactive Features

This Site may encompass various features, including bulletin boards, web logs, chat rooms, and email services, facilitating feedback and real-time interaction among users. Users can also communicate with others through additional features. Each user bears sole responsibility for the content posted on bulletin boards, web logs, chat rooms, and other publicly accessible areas on the Site or sent via any email services on the Site. We do not exercise control over the messages, information, or files provided by you or others on the Site. Your use of the Site is contingent upon your agreement not to:

-Restrict or inhibit any other user from using and enjoying the Site.

-Use the Site to impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity.

-Interfere with or disrupt servers or networks used to provide the Site or its features, or violate any requirements, procedures, policies, or regulations of the networks we use to provide the Site.

-Use the Site to incite or encourage illegal activities, cause injury, or damage property to any person.

-Gain unauthorized access to the Site, an account, computer system, or network connected to this Site, through means such as hacking, password mining, or other illicit methods.

-Obtain or attempt to obtain materials or information through any means not intentionally made available through this Site.

-Post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane, or indecent information through the Site, including transmissions encouraging conduct that would constitute a criminal offense, civil liability, or violation of any local, state, national, or international law.

-Post or transmit information, software, or material that violates or infringes upon the rights of others, including privacy invasion, publicity rights, or protection by copyright, trademark, or other proprietary rights, without obtaining permission from the owner or rights holder.

-Post or transmit information, software, or material containing a virus or other harmful component.

-Post, transmit, or exploit any information, software, or material for commercial purposes or containing advertising.

-Advertise or solicit to buy or sell products or services or make donations without our express written approval.

-Collect, for marketing purposes, any email addresses or other personal information posted by other users of the Site.

RETIRE EARLY PRO may host message boards, chats, and other private/public forums on its Site and other platforms. Users failing to adhere to the terms and conditions of this Agreement may be expelled and denied future access to the message boards, groups, chats, or other forums. RETIRE EARLY PRO or its designated agents retain the right to remove or modify any user-created content at any time and for any reason. Message boards, chats, and other public forums are designed as discussion centers for users and subscribers. Content posted within these public forums may originate from RETIRE EARLY PRO staff, external contributors to RETIRE EARLY PRO, or users unaffiliated with RETIRE EARLY PRO, some of whom may use anonymous user names. RETIRE EARLY PRO explicitly disclaims all responsibility and endorsement, making no representation regarding the validity of any opinion, advice, information, or statement made or displayed in these forums by third parties. We are not responsible for errors or omissions in such postings or for hyperlinks embedded in any messages. Under no circumstances will we, our affiliates, suppliers, or agents be liable for any loss or damage caused by your reliance on information obtained through these forums. The opinions expressed in these forums belong solely to the participants and do not reflect the opinions of RETIRE EARLY PRO, its subsidiaries, or affiliates.

RETIRE EARLY PRO has no obligation to monitor the content or postings on the message boards, chat rooms, or other public forums on the Site. However, you acknowledge and agree that we have the absolute right to monitor them at our sole discretion. Additionally, we reserve the right to alter, edit, refuse to post, or remove any postings or content, in whole or in part, for any reason. We also reserve the right to disclose such materials and the circumstances surrounding their transmission to any third party to comply with applicable laws, regulations, legal processes, or governmental requests and to protect ourselves, our clients, sponsors, users, and visitors.

Registration

To utilize specific features of the site, we may request certain demographic details, such as gender, year of birth, zip code, and country. Additionally, if you choose to register for a particular site feature, such as chat rooms, web logs, or bulletin boards, you may need to complete a registration form providing personally identifiable information like your name and email address. By using the site’s registration form, you agree to furnish accurate, current, complete, and truthful information about yourself. If there are reasonable grounds to suspect that the information provided is untrue, inaccurate, or incomplete, we reserve the right to suspend or terminate your account, denying any current or future use of the site (or any portion thereof). The utilization of any personally identifiable information disclosed during the registration process is subject to the terms outlined in our Privacy Policy.

Passwords

To access certain features of the site, you will be assigned a username and password through the registration process. It is your responsibility to maintain the confidentiality of the password and account, and you are accountable for all activities occurring under your password or account, whether conducted by you or others. Promptly inform us of any unauthorized use of your password or account or any security breaches. Ensure that you log out of your account at the conclusion of each session. We disclaim any liability for losses or damages arising from your failure to safeguard your password or account information.

Limitation of Liability

Under no circumstances, including, but not limited to, negligence, shall we, our subsidiary and parent companies, or affiliates be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use of, or the inability to use, the site. This includes our messaging, blogs, comments of others, books, emails, products, or services, or third-party materials, products, or services made available through the site or by us in any way, even if we are advised beforehand of the possibility of such damages. You specifically acknowledge and agree that we are not liable for any defamatory, offensive, or illegal conduct of any user. If you are dissatisfied with the site, any materials, products, or services on the site, or with any of the site’s terms and conditions, your sole and exclusive remedy is to discontinue using the site and the products, services, and/or materials.

This site is continually under development, and Retire Early Pro makes no warranty of any kind, implied or express, as to its accuracy, completeness, or appropriateness for any purpose.

Termination

We reserve the right to cancel or terminate your access to the Site or any part thereof at any time without prior notice. In the event of such cancellation or termination, you are no longer permitted to access the affected part of the Site. The restrictions placed upon you concerning materials downloaded from the Site, as well as the disclaimers and limitations of liabilities outlined in these Terms of Service, shall persist following such cancellation or termination.

Refund Policy

Unless explicitly mentioned on the dedicated product sales page and order form, all products, programs, and services purchased on our Site are non-refundable.

Dispute Resolution:

These Terms of Use shall be governed by and construed in accordance with the laws of the British Columbia, Canada and any dispute shall be subject to binding arbitration in British Columbia. If any provision of this agreement shall 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.

Class Action Waiver

You may only resolve disputes with us on an individual basis, and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations aren’t allowed.

The arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a class or representative proceeding or claims (such as a class action, consolidated action or private attorney general action) unless all relevant parties specifically agree to do so following initiation of the arbitration.

Severability

If any clause within this Provision (other than the Class Action Waiver clause above) is found to be illegal or unenforceable, that clause will be severed from this Provision, and the remainder of this Provision will be given full force and effect. If the Class Action Waiver clause is found to be illegal or unenforceable, this entire Provision will be unenforceable and the dispute will be decided by a court.

Privacy Policy

This site explicitly collects opt-in e-mail addresses and names. No personally identifying information is collected about you except when you specifically and knowingly provide it. We use email addresses and names to contact you periodically with information you have requested related to the content on this site. You may unsubscribe from our email list at any time using the link at the bottom of every email we send. We never share, rent, or sell email addresses or other specific, personal information about our users.

This site collects personal information about you as a visitor only through standard traffic logs automatically generated by our web server and Google Analytics or through public comments you choose to leave on one of our web pages.

Cookies may be used to store your personal preferences and customize your user experience on the site. If you choose to turn off or disable cookies, that may affect how you are able to interact with this site.

This privacy policy is subject to change without notice. If you have any questions feel free to contact me.