Terms & Conditions

Last Updated: January 9, 2026

1. Acceptance of Terms

By accessing and using Capitalnavigator Magazine's website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Capitalnavigator Magazine provides educational content focused on money management and financial literacy. Our services include access to digital magazine content, educational articles, and related materials. All content is provided for educational purposes only.

3. User Accounts

3.1 Account Creation

To access certain features of our service, you may be required to create an account. You must provide accurate and complete information during the registration process.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

4. Subscription Terms

4.1 Subscription Plans

We offer various subscription plans as described on our pricing page. Subscription fees are billed in advance and are non-refundable except as expressly stated in these terms.

4.2 Billing and Payment

By subscribing to our service, you agree to pay all applicable fees. Payment information is processed securely through our payment processors.

4.3 Subscription Cancellation

You may cancel your subscription at any time. Cancellation will take effect at the end of your current billing period. We do not provide refunds for partial billing periods.

5. Content and Intellectual Property

5.1 Educational Content

All content provided through our service is for educational purposes only. Our content does not constitute financial advice, recommendations, or guarantees of any kind.

5.2 Copyright

All content, trademarks, and materials on our website are protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

5.3 User-Generated Content

By submitting content to our service, you grant us a non-exclusive, royalty-free license to use, modify, and distribute such content in connection with our services.

6. Prohibited Uses

You agree not to use our service for any unlawful purpose or to conduct any unlawful activity, including but not limited to:

• Violating any applicable laws or regulations
• Infringing on intellectual property rights
• Transmitting harmful or malicious code
• Attempting to gain unauthorized access to our systems
• Using the service for commercial purposes without permission

7. Disclaimer of Warranties

Our service is provided "as is" and "as available" without warranties of any kind. We do not guarantee that our service will be uninterrupted, error-free, or secure. We expressly disclaim all warranties, express or implied.

8. Limitation of Liability

In no event shall Capitalnavigator Magazine be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of our service. Our total liability shall not exceed the amount paid by you for our services in the twelve months preceding the claim.

9. Termination

We reserve the right to terminate or suspend your account and access to our service at our sole discretion, without prior notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties.

10. Governing Law

These terms shall be governed by and construed in accordance with the laws of Quebec, Canada, without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved in the courts of Montreal, Quebec.

11. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of material changes by email or through our website. Your continued use of our service after such modifications constitutes acceptance of the updated terms.

12. Contact Information

If you have any questions about these Terms & Conditions, please contact us: