Terms of Use - GMAT40

Agreement

These terms are an agreement between you and GMAT40, Ottawa, Ontario, Canada. By using gmat40.com or creating an account, you agree to them. If you do not agree, please do not use the website.

Your account

You must be at least 16 to create an account and have reached the age of majority in your province or territory to buy a paid membership.

Give accurate information and keep your email address up to date so we can reach you.

Keep your password private. You are responsible for activity on your account. Accounts are for one person and may not be shared.

Memberships

Basic is free and includes the Basic article library.

Premium costs CA$49.99 per year and adds the Premium articles, advisor booking sessions, and workshops and seminars.

Platinum costs CA$199.99 per year and adds personal wealth management and tax optimization sessions.

Prices are in Canadian dollars. We may change prices or what a membership includes. Price changes apply from your next renewal, and we will email you before they take effect.

Payment and automatic renewal

Paid memberships are charged when you sign up and then renew automatically every year on the same date, using the card you gave Stripe, until you cancel. If a renewal payment cannot be collected, Stripe will try again over the following days. If it still fails, the membership ends and your account returns to Basic. We email you a reminder one month and one week before each renewal.

Cancelling

You can cancel at any time yourself, from the Your membership section of the Upgrade page. Cancelling stops future renewals, and you keep your paid features until the end of the year you have paid for, then your account returns to Basic. Our Refund and Cancellation Policy explains when refunds are available.

Advisor sessions, workshops and seminars

Advisor sessions are booked through the website and depend on advisor availability. Please cancel at least 24 hours ahead from your booking page if you cannot attend, so another member can use the time. We may limit bookings for members who repeatedly miss sessions without notice.

Education, not personal advice

Our articles, workshops and seminars are general education about money and personal development in Canada. They are not financial, investment, tax or legal advice for your situation. Advisor sessions give guidance based on what you tell the advisor, and decisions remain yours. Check important decisions with a licensed professional who knows your full circumstances. Our advisors' are professionals from various backgrounds. Full qualifications and any licences or registrations they hold will be disclosed on their profile page so you know who they are before booking with any of them,

Our content

Articles, images, videos and other material on gmat40.com belong to GMAT40 or its licensors. You may read and print them for your own use. You may not copy, republish, sell or share members-only content, or share your login to give others access.

Acceptable use

Do not misuse the website: no attempts to break its security, scrape content, send spam, impersonate others or interfere with other members. We may suspend or close accounts that break these terms. If we close a paid account for a reason other than a breach of these terms, we will refund the unused part of your membership.

Liability

We work hard to keep our content accurate and the website available, but we provide them as they are and cannot promise they will always be error-free or uninterrupted. To the extent the law allows, GMAT40 is not liable for indirect or consequential losses, or for decisions you make based on our content, and our total liability to you is limited to the amount you paid us in the 12 months before the claim. Nothing in these terms limits rights you have under consumer protection law.

Changes and governing law

We may update these terms. We will change the date at the top of this page and email members about important changes before they apply. These terms are governed by the laws of Ontario and the federal laws of Canada that apply there.

Contact

Questions about these terms? Send us a message through the Contact page.