Terms & Conditions
These Terms and Conditions ("Terms") govern your access to and use of the Laksjd website at laksjd.com and any services, programs, or resources provided by Laksjd ("we", "our", or "us"). By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our website.
1. About Laksjd
Laksjd is a Canadian not-for-profit corporation registered under the Canada Not-for-profit Corporations Act (S.C. 2009, c. 23), with Corporation Number BC-2019-4827163. Our registered office is located at 350 Albert Street, Suite 1400, Ottawa, Ontario, K1R 1A4, Canada. We are a licensed financial literacy provider recognized by the Financial Consumer Agency of Canada.
2. Nature of our services
Laksjd provides financial literacy education, social support referrals, and consulting services to Canadian communities. The information and resources available on our website and through our programs are intended for general educational and informational purposes only. Nothing on this website constitutes professional financial, legal, tax, or investment advice. You should consult qualified professionals before making financial or legal decisions. We do not guarantee specific outcomes from participation in our programs.
3. Eligibility
Our services are primarily intended for Canadian residents aged 18 and older. Some programs may have additional eligibility requirements based on geographic region, income level, or other criteria specified in the relevant program documentation. By using our website, you represent that you are at least 18 years of age or are accessing the site under the supervision of a parent or legal guardian.
4. User conduct
When using our website and services, you agree to provide accurate and truthful information in any forms or applications, use our website and services only for lawful purposes and in compliance with all applicable Canadian federal, provincial, and municipal laws, not misrepresent your identity or eligibility for programs, not attempt to gain unauthorized access to any part of our website or systems, and not engage in any activity that could harm, disrupt, or interfere with our website or services.
5. Intellectual property
All content on this website, including but not limited to text, graphics, logos, images, educational materials, and software, is the property of Laksjd or our licensors and is protected by Canadian copyright law, the Copyright Act (R.S.C., 1985, c. C-42), and international intellectual property treaties. You may access and use our website content for personal, non-commercial purposes related to your participation in our programs. Any other use, including reproduction, distribution, or modification, requires our prior written consent.
6. Limitation of liability
To the maximum extent permitted by applicable law, Laksjd, its directors, officers, employees, and volunteers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or participation in our programs. Our total liability for any claim arising from these Terms or your use of our services shall not exceed the amount you paid to Laksjd for the specific service giving rise to the claim, or CAD $100, whichever is greater.
7. Privacy
Your use of our website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our website, you consent to the collection and use of your information as described in our Privacy Policy.
8. Changes to these terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of the website after changes are posted constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically.
9. Governing law and jurisdiction
These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our website shall be subject to the exclusive jurisdiction of the courts of the Province of Ontario, Canada.
10. Contact information
If you have any questions about these Terms, please contact us at contact@laksjd.com or by mail at: Laksjd, 350 Albert Street, Suite 1400, Ottawa, ON K1R 1A4, Canada.