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Terms of Use

Last Updated: March 10, 2026

1. Acceptance of These Terms

These Terms of Use govern your access to and use of the website operated by Stichting J.C.Y.L. (the “Company”, “we”, “our”, or “us”). By accessing or using this website, you agree to be bound by these Terms of Use and our Privacy Policy and Cookie Policy, which are incorporated by reference. If you do not agree, you must not use the website.

You must be at least 16 years old to use the website. If you are under the age of majority in your jurisdiction, you must review these Terms with a parent or legal guardian who agrees to be responsible for your use.

2. Educational Disclaimers and No Professional Advice

All materials, programs, workshops, and resources provided through this website are for educational and informational purposes only. We do not provide financial, legal, investment, accounting, tax, employment, or professional advisory services. Content, examples, case studies, and demonstrations are provided to illustrate concepts and support responsible learning. They are not tailored to your situation and should not be relied upon as professional advice.

We do not guarantee any outcomes, business results, financial returns, career advancement, or professional achievements. Participation and outcomes depend on individual effort and application. You remain solely responsible for your decisions and implementation of concepts.

3. Description of Services

The website presents information about our educational programs, including financial literacy, personal finance, and business development courses accessible online throughout Canada. We may update, modify, or discontinue any aspect of the website or our programs at any time without notice. We provide the website and its content on an “as is” and “as available” basis and may introduce new features or remove features at our discretion.

4. Acceptable Use

  • Do not scrape, crawl, index, mirror, or harvest data from the website without prior written consent.
  • Do not attempt to bypass or interfere with security or access controls, or test the vulnerability of any system or network without authorization.
  • Do not submit false, misleading, or incomplete information in contact or registration forms.
  • Do not upload or transmit malware, ransomware, spyware, or other harmful code.
  • Do not impersonate any person or entity, or misrepresent affiliation with an organization.
  • Do not use the website for spam, unsolicited communications, or any unlawful or prohibited activity.
  • Do not use the website from jurisdictions subject to comprehensive sanctions or where use would violate applicable law.

5. Intellectual Property

All content on the website—including text, graphics, logos, icons, images, videos, course outlines, downloadable materials, and the website’s look and feel—is owned by or licensed to Stichting J.C.Y.L. and is protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the website for personal, non-commercial purposes in accordance with these Terms.

You may not copy, reproduce, distribute, publicly display, create derivative works from, sell, license, or otherwise exploit any content without our prior written permission. All trademarks, service marks, and trade names are the property of their respective owners and may not be used without permission.

6. Third-Party Services and Links

The website may contain links to third-party websites or resources. We are not responsible for the content, policies, or practices of third parties and provide these links for convenience only. Accessing third-party websites is at your own risk. Your use of third-party services is governed by their terms and policies, not ours.

7. Privacy and Cookies

Please review our Privacy Policy to understand how we collect, use, and protect personal data, and our Cookie Policy to learn about cookies and consent choices. By using the website, you acknowledge that we may process your data as described and that cookie preferences can be managed through the on‑site controls.

8. Disclaimer of Warranties

To the maximum extent permitted by law, the website and all content are provided “as is” and “as available,” without warranties of any kind, whether express, implied, statutory, or otherwise. We disclaim all implied warranties of merchantability, fitness for a particular purpose, and non-infringement, and any warranties arising out of course of dealing or usage of trade. We do not warrant that the website will be uninterrupted, error-free, secure, accurate, or free of harmful components, or that defects will be corrected.

9. Limitation of Liability

To the fullest extent permitted by law, Stichting J.C.Y.L. and its directors, officers, employees, contractors, and contributors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, goodwill, data, or other intangible losses, arising out of or related to your use of or inability to use the website or reliance on content.

Our aggregate liability for any claims arising from or related to the website shall not exceed the greater of: (a) the total amount you paid to us (if any) for access to paid services in the twelve (12) months preceding the claim, or (b) ÂŁ100. Some jurisdictions do not allow limitation of liability for certain damages; in such cases, the above limitations apply to the maximum extent permitted by law.

10. Indemnification

You agree to defend, indemnify, and hold harmless Stichting J.C.Y.L. and its affiliates, officers, directors, employees, agents, and contributors from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with: (a) your use of the website; (b) your violation of these Terms; (c) your violation of any law or the rights of a third party; or (d) content or information you submit through the website.

11. Force Majeure

We are not responsible for any failure or delay in performance to the extent caused by circumstances beyond our reasonable control, including but not limited to natural disasters, acts of government, war, terrorism, civil unrest, labor disputes, internet or telecommunications failures, denial-of-service attacks, or power outages.

12. International Use

The website may be accessible from countries other than the Netherlands or Canada. We make no representation that the website or its content is appropriate or available for use in all locations. Accessing the website from territories where its content is illegal is prohibited. Users who access the website from other locations do so on their own initiative and are responsible for compliance with local laws.

13. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales. The courts of London, United Kingdom, shall have exclusive jurisdiction to settle any such dispute or claim, except that consumers resident in the European Union or the United Kingdom may bring claims in their home country’s courts as permitted by applicable consumer protection law.

14. Dispute Resolution

Before initiating formal proceedings, you agree to first contact us and attempt to resolve the dispute informally. Send a written notice describing the dispute to the email provided in the Contact section. If the dispute is not resolved within thirty (30) days of our receipt of your notice, you may pursue your claim in court as set out in Governing Law and Jurisdiction. Nothing in this clause limits statutory consumer rights.

15. Termination and Suspension

We may suspend or terminate your access to the website at any time if we reasonably believe you have breached these Terms, engaged in unlawful activity, or created risk or possible legal exposure for us. Upon termination, the following sections shall survive: Intellectual Property, Disclaimer of Warranties, Limitation of Liability, Indemnification, Governing Law, Dispute Resolution, and any other provisions that by their nature should survive termination.

16. Changes to the Terms

We may update these Terms from time to time. Material changes will be posted on this page at least fourteen (14) days before taking effect unless required sooner by law. The “Last Updated” date at the top of this page reflects the most recent revision. Continued use of the website after the effective date constitutes acceptance of the updated Terms.

17. Electronic Communications

When you use the website or send emails to us, you consent to receive electronic communications from us. You agree that all agreements, notices, disclosures, and other communications that we provide electronically satisfy any legal requirement that such communications be in writing under applicable eIDAS, UK Electronic Communications Act, or US E‑SIGN laws, as relevant.

18. Assignment

We may assign or transfer our rights and obligations under these Terms, in whole or in part, to any affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of assets. You may not assign or transfer your rights or obligations without our prior written consent, and any attempted assignment in violation of this clause is void.

19. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision shall be deemed modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

20. Entire Agreement and No Waiver

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Stichting J.C.Y.L. regarding your use of the website and supersede all prior and contemporaneous understandings. Our failure to enforce any right or provision is not a waiver of such right or provision.

21. Contact

If you have questions about these Terms, please contact us using the details below:

  • Legal entity: Stichting J.C.Y.L.
  • Address: Oudezijds Voorburgwal 65, Centrum, 1012 EK Amsterdam, Netherlands
  • Email: [email protected]
  • Service area: Canada