These terms and conditions govern your access to and use of this website and related services. Please read them carefully. By accessing or using any part of the website, you agree to comply with these terms and all applicable laws.

November 8, 2026

Acceptance of terms

By accessing or using this website or the services provided, users acknowledge they have read, understood, and agreed to be bound by these terms and all applicable policies. Continued use of the site constitutes ongoing acceptance of these terms.

Definitions

The following definitions apply to these terms and conditions. Additional definitions may be set out in related policies or legal notices.

• "Company" refers to the legal entity operating this website and providing the advanced portfolio insurance programme, including its employees, contractors, and authorized representatives.
• "User" means any person accessing, browsing, registering, or otherwise interacting with the website, services, or content provided by the Company, whether as a visitor or participant.
• "Services" include all website features, resources, content, and the advanced portfolio insurance programme offered by the Company, including support and alumni access.
• "Content" means any text, graphics, images, data, audio, video, or other materials made available through the website or services, whether provided by the Company or by users.

Permitted use of services

The website and services are intended for personal, non-commercial use unless otherwise authorized. Users must use the site only as permitted by these terms and applicable law.

Eligibility requirements

Use of this website and participation in the programme are limited to individuals who are at least 21 years old and meet the minimum educational and language requirements set out in the eligibility policy. The Company may verify eligibility at any time and may deny or revoke access if criteria are not met.

The programme is intended for institutional professionals and applicants who can demonstrate analytical ability. The Company reserves the right to request supporting documents for eligibility verification.

User responsibilities

Users have the following responsibilities when accessing or using the website or services. Failure to comply may result in suspension or loss of access.

• Users are responsible for maintaining the confidentiality of their login credentials and for all activity conducted under their account.
• Users must notify the Company promptly of any unauthorized access, security breach, or misuse of their account or personal data.
• Users are responsible for ensuring that all information provided to the Company is accurate, current, and complete.
• Users must comply with all applicable laws and regulations in connection with use of the website and services.

Prohibited uses

The following uses of the website and services are strictly prohibited. Violation may result in termination of access and legal action.

• Users may not use the website or services for unlawful, fraudulent, or malicious activities, including but not limited to unauthorized access, data breaches, or distribution of harmful content.
• Use of the site or services for commercial solicitation, spamming, or unauthorized advertising is strictly prohibited.
• Users may not upload, share, or transmit any content that infringes intellectual property, privacy, or other rights of third parties.
• Interference with website functionality, network security, or attempts to disrupt services is prohibited.
• Reverse engineering, decompiling, or attempting to access source code or proprietary information is not allowed.

Intellectual property

All website content, design, logos, trademarks, and intellectual property rights are owned or licensed by the Company. Users may not copy, distribute, modify, or use any content except as permitted by these terms or with prior written consent.

User-submitted content

Users may submit content as part of participation in the programme, including assignments, forum posts, or comments. Users retain ownership of their submitted content, but grant the Company a non-exclusive, royalty-free license to use, display, and adapt the content for service delivery.

Privacy and data protection

The privacy policy describes how personal data is collected, used, stored, and shared. By using the website or services, users consent to the privacy practices described in the privacy policy. Privacy policy

Disclaimer of warranties

The Company makes reasonable efforts to ensure the accuracy of website content but does not warrant that all information is complete, current, or error-free. Users rely on the information at their own risk.

Limitation of liability

To the fullest extent permitted by law, the Company’s liability for any claims relating to use of the site or services is limited to the amount paid, if any, by the user for such services. The Company is not liable for indirect, incidental, or consequential damages.

Indemnification

Users agree to indemnify and hold harmless the Company and its representatives from any claims, damages, liabilities, costs, or expenses arising out of or related to their use of the website or services, violation of these terms, or infringement of any rights of a third party.

Dispute resolution process

Any disputes regarding these terms or use of services will be addressed in accordance with the dispute resolution procedures described below. Users are encouraged to seek amicable resolution before initiating formal proceedings.

Applicable law

These terms are governed by and construed in accordance with the laws of Canada and the province of Ontario. Any legal action or proceeding arising from the use of the site or services must be brought in the courts located in Ontario, Canada.

Termination of access

The Company may suspend or terminate user access to the website or services at its discretion, including for violation of these terms. Upon termination, user rights to use the site and services cease immediately.

Modifications and updates

The Company may update these terms or any policies at its discretion. Changes will take effect when posted on the website. Users are responsible for reviewing terms periodically. Continued use of the site after changes constitutes acceptance of the revised terms.

Severability

If any provision of these terms is held to be invalid or unenforceable, such provision shall be enforced to the maximum extent permitted, and the remainder of the terms shall remain in effect.

Entire agreement

These terms, together with any referenced policies or agreements, constitute the entire understanding between users and the Company regarding use of the website and services. Any previous agreements or understandings are superseded by these terms.

Contact information

For questions, clarification, or to exercise rights under these terms, users should contact the Company through the contact page. The Company aims to respond to all inquiries within two business days.