Terms of Service

These Terms of Service (“Terms”) govern your access to and use of SecuritiesExamsMastery.ca and any related materials, products, and services (collectively, the “Services”). By using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.

1) Who we are

“We,” “us,” and “our” refer to SecuritiesExamsMastery.ca, an independent Canadian educational publisher. We are not affiliated with or endorsed by CSI Global Education Inc. (Canadian Securities Institute), the Canadian Investment Regulatory Organization (CIRO), provincial/territorial insurance regulators, or any exam provider.

2) Educational purpose only (no professional advice)

Content is provided for educational and exam-preparation purposes only and does not constitute investment, legal, accounting, tax, or other professional advice. Verify current rules, policies, syllabi, and exam requirements with the official provider/regulator before relying on any material.

3) Accounts & eligibility

• You must be at least the age of majority in your province/territory to create an account or purchase access.
• Provide accurate registration information and keep your credentials secure. You are responsible for activity under your account.

4) Purchases, access terms & refunds

• Pricing, access length, and any promotions are shown at checkout and may change prospectively.
• Unless stated otherwise at checkout, digital products are non-refundable once accessed or downloaded. If you have an issue, contact info@tokenizer.ca — we aim to be fair and fast.
• We may offer extensions for documented exam rescheduling at our discretion.

5) Licence & acceptable use

We grant you a limited, revocable, non-exclusive, non-transferable licence to access and use the Services for your personal, non-commercial study. Except where permitted by applicable law, you agree not to:

• Share, resell, redistribute, or publicly post our content, questions, or explanations.
• Use bots/scrapers, bulk downloaders, or any automated means to access or copy the Services.
• Circumvent access controls, remove copyright/trademark notices, or reverse engineer any part of the Services.
• Upload unlawful, infringing, or harmful content, or interfere with others’ use of the Services.

6) Your submissions

If you send feedback or suggestions, you grant us a worldwide, royalty-free licence to use them without obligation to you. Do not submit confidential or proprietary information.

7) Intellectual property

The Services, including text, questions, explanations, diagrams, and design, are owned by us or our licensors and protected by copyright and other laws. All rights not expressly granted are reserved.

8) No affiliation & trademarks

We are not affiliated with or endorsed by CSI Global Education Inc., CIRO, or any provincial/territorial insurance regulator. CSC® and CPH® are trademarks of CSI Global Education Inc. LLQP is administered by provincial/territorial regulators. All other trademarks are the property of their respective owners. Use on this site is for identification and descriptive purposes only.

9) Changes to content & availability

We may modify, suspend, or discontinue any part of the Services at any time. We strive for availability but do not guarantee uninterrupted or error-free operation.

10) Third-party links & tools

The Services may reference third-party sites, calculators, or materials. We do not control and are not responsible for third-party content, policies, or practices. Use them at your own risk and review their terms and privacy notices.

11) Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. We do not warrant that you will pass any examination or achieve any particular outcome.

12) Limitation of liability

To the maximum extent permitted by law, we and our affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenues, data, or goodwill, arising from or related to your use of the Services. Our total liability for any claim will not exceed the amount you paid to us for the Services giving rise to the claim in the 3 months preceding the claim.

13) Indemnification

You agree to indemnify and hold us harmless from claims, damages, losses, and expenses (including reasonable legal fees) arising from your misuse of the Services or violation of these Terms.

14) Termination

We may suspend or terminate your access immediately if you breach these Terms or if required by law/regulators. Upon termination, your licence ends and you must cease use of the Services. Sections intended to survive (e.g., IP, disclaimers, liability, indemnity) will continue to apply.

15) Governing law & disputes

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles. Courts located in Ontario will have exclusive jurisdiction, unless applicable consumer protection laws require a different venue.

16) Changes to these Terms

We may update these Terms from time to time. Material changes will be noted on this page. Your continued use after changes become effective constitutes acceptance.

17) Contact

Questions about these Terms? Email info@tokenizer.ca.