{"id":821,"date":"2026-10-30T09:05:03","date_gmt":"2026-10-30T13:05:03","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=821"},"modified":"2026-10-30T09:05:03","modified_gmt":"2026-10-30T13:05:03","slug":"terms","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/terms\/","title":{"rendered":"Conditions d'utilisation"},"content":{"rendered":"
\n\t\t\t\t
\n
\n
\n
\n
\n \t\t\t\n
\n\t\t\t\t\tPolitiques<\/span>\n\t\t\n<\/div>\n\t\t\t

Conditions d'utilisation<\/h1>\n\t\t\t\t\t

Les r\u00e8gles d'utilisation de gmat40.com, de cr\u00e9ation d'un compte et d'achat d'un abonnement Premium ou Platine.<\/p>\n\t\t\t\t\tDerni\u00e8re mise \u00e0 jour : 30 octobre 2026<\/span>\n\t\t\n<\/div>\n

\n \t\t\t

Entente<\/h2>\n\t\t\t\t\t

Les pr\u00e9sentes conditions constituent un accord entre vous et GMAT40, Ottawa (Ontario), Canada. En utilisant gmat40.com ou en cr\u00e9ant un compte, vous acceptez ces conditions. Si vous ne les acceptez pas, veuillez ne pas utiliser le site web.<\/p>\n\t\t\t\t\t

Votre compte<\/h2>\n\t\t
\n
\n \t\t\t\n
\n\t\t\t\t\tVous devez avoir au moins 16 ans pour cr\u00e9er un compte et avoir atteint l'\u00e2ge de la majorit\u00e9 dans votre province ou territoire pour acheter un abonnement payant.<\/span>\n\t\t\n<\/div>\n
\n \t\t\t\n
\n\t\t\t\t\tVeuillez fournir des informations exactes et tenir votre adresse \u00e9lectronique \u00e0 jour afin que nous puissions vous contacter.<\/span>\n\t\t\n<\/div>\n
\n \t\t\t\n
\n\t\t\t\t\tGardez votre mot de passe confidentiel. Vous \u00eates responsable de l'activit\u00e9 sur votre compte. Les comptes sont personnels et ne peuvent \u00eatre partag\u00e9s.<\/span>\n\t\t\n<\/div>\n\n<\/div>\n\t\t\t

Adh\u00e9sions<\/h2>\n\t\t
\n
\n \t\t\t\n
\n\t\t\t\t\tBasique est gratuit et inclut la biblioth\u00e8que d'articles Basique.<\/span>\n\t\t\n<\/div>\n
\n \t\t\t\n
\n\t\t\t\t\tL'abonnement Premium co\u00fbte CA49,99\u00a0$ par an et ajoute les articles Premium, les s\u00e9ances de r\u00e9servation de conseillers, ainsi que des ateliers et des s\u00e9minaires.<\/span>\n\t\t\n<\/div>\n
\n \t\t\t\n
\n\t\t\t\t\tL'abonnement Platine co\u00fbte CA199,99\u00a0$ par an et comprend des s\u00e9ances de gestion de patrimoine personnel et d'optimisation fiscale.<\/span>\n\t\t\n<\/div>\n\n<\/div>\n\t\t\t

Les prix sont en dollars canadiens. Nous pouvons modifier les prix ou le contenu de l'abonnement. Les changements de prix s'appliqueront d\u00e8s votre prochain renouvellement, et nous vous en informerons par courriel avant leur entr\u00e9e en vigueur.<\/p>\n\t\t\t\t\t

Paiement et renouvellement automatique<\/h2>\n\t\t\t\t\t

Les abonnements payants sont factur\u00e9s lors de votre inscription, puis renouvel\u00e9s automatiquement chaque ann\u00e9e \u00e0 la m\u00eame date, via la carte bancaire enregistr\u00e9e aupr\u00e8s de Stripe, jusqu'\u00e0 leur r\u00e9siliation. En cas d'\u00e9chec du pr\u00e9l\u00e8vement, Stripe effectuera de nouvelles tentatives les jours suivants. Si le pr\u00e9l\u00e8vement \u00e9choue \u00e0 nouveau, l'abonnement sera r\u00e9sili\u00e9 et votre compte repassera en mode Basique. Un rappel vous sera envoy\u00e9 par courriel un mois et une semaine avant chaque renouvellement.<\/p>\n\t\t\t\t\t

Annulation<\/h2>\n\t\t\t\t\t

Vous pouvez annuler votre abonnement \u00e0 tout moment depuis la section \u00ab\u00a0Votre abonnement\u00a0\u00bb de la page \u00ab\u00a0Mise \u00e0 niveau\u00a0\u00bb. L\u2019annulation interrompt les renouvellements automatiques et vous conservez vos fonctionnalit\u00e9s payantes jusqu\u2019\u00e0 la fin de l\u2019ann\u00e9e en cours, apr\u00e8s quoi votre compte repasse en version de base. Notre politique de remboursement et d\u2019annulation explique les conditions de remboursement.<\/p>\n\t\t\t\t\t

S\u00e9ances de conseil, ateliers et s\u00e9minaires<\/h2>\n\t\t\t\t\t

Les s\u00e9ances de conseil se r\u00e9servent via le site web et d\u00e9pendent des disponibilit\u00e9s des conseillers. Veuillez annuler votre r\u00e9servation au moins 24 heures \u00e0 l'avance depuis votre page de r\u00e9servation si vous ne pouvez pas y assister, afin qu'un autre membre puisse en b\u00e9n\u00e9ficier. Nous nous r\u00e9servons le droit de limiter les r\u00e9servations pour les membres qui manquent r\u00e9guli\u00e8rement leurs s\u00e9ances sans pr\u00e9venir.<\/p>\n\t\t\t\t\t

De l'information, pas des conseils personnalis\u00e9s<\/h2>\n\t\t\t\t\t

Nos articles, ateliers et s\u00e9minaires offrent une formation g\u00e9n\u00e9rale sur les finances et le d\u00e9veloppement personnel au Canada. Ils ne constituent pas des conseils financiers, d'investissement, fiscaux ou juridiques adapt\u00e9s \u00e0 votre situation. Les s\u00e9ances avec un conseiller vous offrent un accompagnement personnalis\u00e9 en fonction des informations que vous lui fournissez, mais les d\u00e9cisions vous appartiennent. Pour toute d\u00e9cision importante, veuillez consulter un professionnel agr\u00e9\u00e9 qui conna\u00eet votre situation dans son int\u00e9gralit\u00e9. Nos conseillers sont des professionnels issus de divers horizons. Leurs qualifications compl\u00e8tes, ainsi que leurs permis et inscriptions, sont indiqu\u00e9s sur leur profil afin que vous puissiez les conna\u00eetre avant de prendre rendez-vous.,<\/p>\n\t\t\t\t\t

Notre contenu<\/h2>\n\t\t\t\t\t

Les articles, images, vid\u00e9os et autres contenus pr\u00e9sents sur gmat40.com appartiennent \u00e0 GMAT40 ou \u00e0 ses conc\u00e9dants de licence. Vous pouvez les consulter et les imprimer pour votre usage personnel. Il est interdit de copier, republier, vendre ou partager le contenu r\u00e9serv\u00e9 aux membres, ou de partager vos identifiants de connexion pour permettre \u00e0 des tiers d'y acc\u00e9der.<\/p>\n\t\t\t\t\t

Utilisation acceptable<\/h2>\n\t\t\t\t\t

N'utilisez pas le site web de mani\u00e8re abusive\u00a0: il est interdit de tenter de contourner sa s\u00e9curit\u00e9, d'extraire du contenu, d'envoyer des spams, d'usurper l'identit\u00e9 d'autrui ou de perturber les autres membres. Nous nous r\u00e9servons le droit de suspendre ou de fermer les comptes qui enfreignent ces conditions. Si nous fermons un compte payant pour un motif autre qu'une violation de ces conditions, nous vous rembourserons la partie non utilis\u00e9e de votre abonnement.<\/p>\n\t\t\t\t\t

Responsabilit\u00e9<\/h2>\n\t\t\t\t\t

Nous mettons tout en \u0153uvre pour que notre contenu soit exact et le site web disponible, mais nous le fournissons en l'\u00e9tat et ne pouvons garantir l'absence d'erreurs ou d'interruptions. Dans les limites autoris\u00e9es par la loi, GMAT40 d\u00e9cline toute responsabilit\u00e9 pour les dommages indirects ou cons\u00e9cutifs, ainsi que pour les d\u00e9cisions que vous prenez sur la base de notre contenu. Notre responsabilit\u00e9 totale envers vous est limit\u00e9e au montant que vous nous avez vers\u00e9 au cours des 12 mois pr\u00e9c\u00e9dant la r\u00e9clamation. Aucune disposition des pr\u00e9sentes conditions g\u00e9n\u00e9rales ne limite vos droits en vertu du droit de la consommation.<\/p>\n\t\t\t\t\t

Modifications et droit applicable<\/h2>\n\t\t\t\t\t

Ces conditions peuvent \u00eatre mises \u00e0 jour. La date figurant en haut de cette page sera modifi\u00e9e et les membres seront inform\u00e9s par courriel des changements importants avant leur entr\u00e9e en vigueur. Ces conditions sont r\u00e9gies par les lois de l\u2019Ontario et les lois f\u00e9d\u00e9rales du Canada qui y sont applicables.<\/p>\n\t\t\t\t\t

Contact<\/h2>\n\t\t\t\t\t

Des questions concernant ces conditions ? Envoyez-nous un message via la page Contact.<\/p>\n\t\t\n<\/div>\n\n<\/article>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Policies Terms of Use The rules for using gmat40.com, creating an account and buying a Premium or Platinum membership. Last […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-821","page","type-page","status-publish","hentry"],"yoast_head":"\nTerms of Use - GMAT40<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gmat40.com\/fr\/terms\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Terms of Use - GMAT40\" \/>\n<meta property=\"og:description\" content=\"Policies Terms of Use The rules for using gmat40.com, creating an account and buying a Premium or Platinum membership. Last […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gmat40.com\/fr\/terms\/\" \/>\n<meta property=\"og:site_name\" content=\"GMAT40\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Gmat40\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-30T13:05:03+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@greatminds40\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/gmat40.com\\\/terms\\\/\",\"url\":\"https:\\\/\\\/gmat40.com\\\/terms\\\/\",\"name\":\"Terms of Use - GMAT40\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/gmat40.com\\\/#website\"},\"datePublished\":\"-0001-11-30T00:00:00+00:00\",\"dateModified\":\"2026-10-30T13:05:03+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/gmat40.com\\\/terms\\\/#breadcrumb\"},\"inLanguage\":\"fr-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/gmat40.com\\\/terms\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/gmat40.com\\\/terms\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/gmat40.com\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Terms of Use\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/gmat40.com\\\/#website\",\"url\":\"https:\\\/\\\/gmat40.com\\\/\",\"name\":\"GMAT40\",\"description\":\"Great Minds! Great People!\",\"publisher\":{\"@id\":\"https:\\\/\\\/gmat40.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/gmat40.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/gmat40.com\\\/#organization\",\"name\":\"GMAT40\",\"url\":\"https:\\\/\\\/gmat40.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\\\/\\\/gmat40.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/gmat40.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/gmat40-logo.png\",\"contentUrl\":\"https:\\\/\\\/gmat40.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/gmat40-logo.png\",\"width\":1328,\"height\":512,\"caption\":\"GMAT40\"},\"image\":{\"@id\":\"https:\\\/\\\/gmat40.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/Gmat40\",\"https:\\\/\\\/x.com\\\/greatminds40\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/gmat40\",\"https:\\\/\\\/www.instagram.com\\\/greatmindsat40\\\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Terms of Use - GMAT40","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/gmat40.com\/fr\/terms\/","og_locale":"fr_CA","og_type":"article","og_title":"Terms of Use - GMAT40","og_description":"Policies Terms of Use The rules for using gmat40.com, creating an account and buying a Premium or Platinum membership. Last […]","og_url":"https:\/\/gmat40.com\/fr\/terms\/","og_site_name":"GMAT40","article_publisher":"https:\/\/www.facebook.com\/Gmat40","article_modified_time":"2026-10-30T13:05:03+00:00","twitter_card":"summary_large_image","twitter_site":"@greatminds40","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/gmat40.com\/terms\/","url":"https:\/\/gmat40.com\/terms\/","name":"Terms of Use - GMAT40","isPartOf":{"@id":"https:\/\/gmat40.com\/#website"},"datePublished":"-0001-11-30T00:00:00+00:00","dateModified":"2026-10-30T13:05:03+00:00","breadcrumb":{"@id":"https:\/\/gmat40.com\/terms\/#breadcrumb"},"inLanguage":"fr-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/gmat40.com\/terms\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/gmat40.com\/terms\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/gmat40.com\/home\/"},{"@type":"ListItem","position":2,"name":"Terms of Use"}]},{"@type":"WebSite","@id":"https:\/\/gmat40.com\/#website","url":"https:\/\/gmat40.com\/","name":"GMAT40","description":"Great Minds! Great People!","publisher":{"@id":"https:\/\/gmat40.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/gmat40.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-CA"},{"@type":"Organization","@id":"https:\/\/gmat40.com\/#organization","name":"GMAT40","url":"https:\/\/gmat40.com\/","logo":{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/gmat40.com\/#\/schema\/logo\/image\/","url":"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-logo.png","contentUrl":"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-logo.png","width":1328,"height":512,"caption":"GMAT40"},"image":{"@id":"https:\/\/gmat40.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Gmat40","https:\/\/x.com\/greatminds40","https:\/\/www.linkedin.com\/company\/gmat40","https:\/\/www.instagram.com\/greatmindsat40\/"]}]}},"_links":{"self":[{"href":"https:\/\/gmat40.com\/fr\/wp-json\/wp\/v2\/pages\/821","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gmat40.com\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/gmat40.com\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/gmat40.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gmat40.com\/fr\/wp-json\/wp\/v2\/comments?post=821"}],"version-history":[{"count":5,"href":"https:\/\/gmat40.com\/fr\/wp-json\/wp\/v2\/pages\/821\/revisions"}],"predecessor-version":[{"id":839,"href":"https:\/\/gmat40.com\/fr\/wp-json\/wp\/v2\/pages\/821\/revisions\/839"}],"wp:attachment":[{"href":"https:\/\/gmat40.com\/fr\/wp-json\/wp\/v2\/media?parent=821"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}