Why Choose FinGuard?

Last updated: July 6, 2025

1. Information We Collect

We collect information you provide directly to us, such as when you create an account, enroll in our courses, or contact us. This may include your name, email address, phone number, and other contact information.

2. How We Use Your Information

We use the information we collect to provide, maintain, and improve our services, communicate with you, and comply with legal obligations. We may also use your information to send you educational content and updates about our services.

3. Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information in certain limited circumstances, such as when required by law or to protect our rights.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

5. Your Rights

You have the right to access, update, or delete your personal information. You may also opt out of receiving marketing communications from us at any time.

6. Cookies

We use cookies and similar technologies to improve your experience on our website, analyze usage patterns, and provide personalized content.

7. Contact Us

If you have any questions about this Privacy Policy, please contact us at it@finguardtop.com or +1 613-990-1985.

Last updated: July 6, 2025

1. Acceptance of Terms

By accessing and using FinGuard's services, you accept and agree to be bound by the terms and provision of this agreement.

2. Use License

Permission is granted to temporarily access the materials on FinGuard's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title.

3. Disclaimer

The materials on FinGuard's website are provided on an 'as is' basis. FinGuard makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

4. Limitations

In no event shall FinGuard or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on FinGuard's website.

5. Accuracy of Materials

The materials appearing on FinGuard's website could include technical, typographical, or photographic errors. FinGuard does not warrant that any of the materials on its website are accurate, complete, or current.

6. Links

FinGuard has not reviewed all of the sites linked to our website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by FinGuard of the site.

7. Modifications

FinGuard may revise these terms of service for its website at any time without notice. By using this website, you are agreeing to be bound by the then current version of these terms of service.

8. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of Canada and you irrevocably submit to the exclusive jurisdiction of the courts in that state or location.

Last updated: July 8, 2025

1. What Are Cookies?

Cookies are small text files that websites place on your device to enhance user experience and gather information about your interactions.

2. Types of Cookies We Use

• Essential Cookies: Necessary for site functionality and cannot be disabled.
• Analytics Cookies: Help us improve website performance and usability.
• Marketing Cookies: Enable personalized content and ads across platforms.
• Functional Cookies: Enhance features and remember your preferences.

3. Managing Your Preferences

You can control cookie settings through the "Cookie Settings" panel on our site or within your browser. Essential cookies cannot be turned off.

4. Third-Party Cookies

We may use third-party services (like Google Analytics) that set cookies to track user engagement. These are governed by their respective privacy policies.

5. Changes to This Policy

We may periodically update this policy to reflect changes in practices or regulations. Any updates will be posted here with a new "Last updated" date.

6. Contact Us

If you have questions about our Cookie Policy, contact us at it@finguardtop.com or call +1 613-990-1985.

Last updated: July 8, 2025

1. Overview

FinGuard respects your privacy and complies with the General Data Protection Regulation (EU) 2016/679. This policy outlines how we collect, use, and protect your personal data.

2. Your GDPR Rights

• Access to your personal data
• Correction of inaccurate or incomplete data
• Erasure (“right to be forgotten”)
• Restrict or object to processing
• Data portability
• Withdraw consent at any time

3. Legal Basis for Processing

We only process personal data when we have a legal basis such as your consent, contract performance, legal obligations, or our legitimate interests.

4. Data Transfers

If your data is transferred outside the European Economic Area (EEA), we ensure appropriate safeguards like Standard Contractual Clauses are in place.

5. Data Retention

Your personal data is retained only as long as necessary to fulfill the purposes outlined in our Privacy Policy or as required by law.

6. How to Exercise Your Rights

To exercise any of your GDPR rights, please contact us at:

Last updated: July 8, 2025

1. Overview

At FinGuard, we are committed to ensuring customer satisfaction. If you are not entirely satisfied with your purchase, we’re here to help. This Return & Refund Policy outlines the conditions under which refunds are granted for our digital products and services.

2. Eligibility for Refund

Refunds are only applicable to digital courses or consulting services purchased directly from our official website. You must submit your refund request within 14 calendar days of your original purchase date. To be eligible:

• You must provide proof of purchase (order ID, transaction receipt, etc.).
• You have not completed more than 25% of the course content or session time.
• You have not previously claimed a refund for the same product or service.

3. How to Request a Refund

To initiate a refund, please contact us at it@finguardtop.com with the subject line “Refund Request – [Order ID]”. Include your full name, the reason for the request, and any supporting documentation.

4. Processing Your Refund

Upon receiving your request, our team will evaluate your eligibility. If approved, a refund will be processed within 5-10 business days to the original method of payment. You will receive a confirmation email once the refund has been issued.

5. Exceptions

Please note that we do not offer refunds for:

• Downloaded content or fully completed courses.
• Promotional or discounted products unless required by law.
• Failure to use or access the service within the eligible period.

6. Contact Us

If you have questions or concerns about your return or refund, feel free to contact us at it@finguardtop.com or call +1 613-990-1985. We're here to support your financial journey.