Last Updated: November 12, 2026
By accessing and using the valcerunocore website and services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use our website or services.
These terms constitute a legally binding agreement between you and valcerunocore. Please read them carefully.
valcerunocore provides educational programs and resources related to financial literacy, money management, investment strategies, and related topics. Our services include:
The information and educational content provided by valcerunocore is for informational and educational purposes only. It does not constitute professional financial, investment, tax, or legal advice.
We are educators, not licensed financial advisors. Our courses teach concepts and strategies, but we do not provide personalized recommendations for your specific financial situation.
Individual results vary based on personal circumstances, effort, market conditions, and numerous other factors beyond our control. We make no guarantees or warranties regarding:
Past performance of strategies discussed does not guarantee future results.
Before making significant financial decisions, you should consult with licensed professionals including:
As a user of our services, you agree to:
All content on our website and within our courses, including but not limited to text, graphics, logos, videos, audio, software, and course materials, is the property of valcerunocore and is protected by copyright and intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to access and use course materials for personal educational purposes only. You may not:
When you enroll in a course, you are entering into a contract to receive educational services. Enrollment becomes binding upon payment confirmation.
All prices are displayed in Canadian dollars (CAD) and include applicable taxes. We reserve the right to change pricing at any time, but price changes will not affect enrollments already completed.
Payment is processed through secure third-party payment processors. We do not store your complete payment information.
We offer a 14-day satisfaction guarantee. If you are not satisfied with a course, you may request a full refund within 14 days of enrollment, provided you have not completed more than 25% of the course content.
Refund requests must be submitted via email to [email protected]. Refunds are processed within 7-10 business days of approval.
We reserve the right to suspend or terminate your access to our services if you:
Termination for violation of terms does not entitle you to a refund.
To the fullest extent permitted by law, valcerunocore and its instructors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
Our total liability for any claims arising from our services shall not exceed the amount you paid for the specific course in question.
You agree to indemnify and hold harmless valcerunocore, its instructors, employees, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:
Our community forums may allow you to post comments, questions, and other content. You retain ownership of content you create, but by posting, you grant valcerunocore a non-exclusive, royalty-free license to use, reproduce, and display that content in connection with our services.
You agree not to post content that is:
Our website may contain links to third-party websites or resources. These links are provided for convenience only. We do not endorse and are not responsible for the content, accuracy, or practices of third-party sites.
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time, with or without notice. We may update course content to reflect current information and best practices.
We may update these Terms of Use from time to time. When we make material changes, we will update the "Last Updated" date and notify enrolled students via email. Continued use of our services after changes constitutes acceptance of the updated terms.
These Terms of Use are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes shall be resolved in the courts of Ontario.
If any provision of these Terms of Use is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
These Terms of Use, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and valcerunocore regarding use of our services.
For questions about these Terms of Use, please contact us:
valcerunocore
412 Wellington Street West
Toronto, ON M5V 1E3
Canada
Email: [email protected]