1. Introduction and Acceptance of Terms

These Terms of Service (“Terms”) govern your access to and use of the services, programs, courses, workshops, seminars, coaching sessions, materials, websites, forms, communications, and related offerings provided by NorthStar Business Academy Inc. (“NorthStar Business Academy Inc.”, “we”, “us”, or “our”), a business-academy operating in Canada.

By registering for, purchasing, accessing, attending, or otherwise using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as any additional policies, guidelines, or program-specific terms we may provide from time to time. If you do not agree to these Terms, you must not use our services.

If you are entering into these Terms on behalf of a business or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms.

2. Scope of Services

NorthStar Business Academy Inc. provides business education and professional development services, including but not limited to:

• Business leadership workshops
• Entrepreneurship training programs
• Sales and negotiation seminars
• Corporate team development sessions
• Strategic planning masterclasses
• Financial literacy for managers
• Professional communication coaching

Our services may be delivered in person, virtually, or in hybrid format, and may include live instruction, group activities, one-on-one coaching, downloadable materials, recordings, assessments, templates, and other educational content.

We reserve the right to modify the format, instructors, venue, schedule, curriculum, duration, and delivery method of any service where reasonably necessary, provided that any material changes will be communicated to participants where practical.

Unless expressly stated otherwise in writing, our services are educational and informational in nature and do not constitute legal, accounting, tax, investment, employment, or other regulated professional advice. You are responsible for obtaining appropriate professional advice specific to your circumstances.

3. User Obligations and Responsibilities

By using our services, you agree to:

• Provide accurate, current, and complete information when registering or communicating with us;
• Maintain the confidentiality of any account credentials, access links, or login details, if applicable;
• Attend sessions on time and participate in a respectful and constructive manner;
• Comply with all applicable laws, regulations, and venue or platform rules;
• Not record, reproduce, distribute, sell, or publicly display our materials or sessions without our prior written consent;
• Not engage in harassment, discrimination, abusive conduct, disruptive behavior, or any conduct that interferes with the experience of other participants or staff;
• Not use our services for unlawful, fraudulent, or misleading purposes;
• Ensure that any devices, software, internet connection, or other technical requirements needed for virtual participation are available and functioning.

We may suspend or terminate your access to any service if you breach these Terms, fail to comply with applicable rules, or engage in conduct that we determine, in our reasonable discretion, to be harmful, unsafe, or disruptive.

4. Payment Terms and Conditions

Fees for our services will be disclosed at the time of registration, quotation, invoice, proposal, or agreement. Unless otherwise stated, all fees are quoted in Canadian dollars (CAD).

• Payment is due in full by the deadline stated on the invoice or registration page.
• We may require a deposit or full prepayment to secure a booking.
• Late payments may result in suspension of access, cancellation of participation, or application of administrative fees, interest, or collection costs to the extent permitted by law and disclosed in advance where required.
• Prices may be subject to applicable federal and provincial taxes, including GST/HST, which will be added where required by law.
• If a payment is reversed, declined, disputed without reasonable basis, or charged back improperly, you remain responsible for the outstanding amount and any related fees permitted by law.

For corporate, group, or custom engagements, payment milestones, cancellation rights, and deliverables may be set out in a separate written agreement, proposal, or statement of work. If there is any conflict between these Terms and a signed agreement, the signed agreement will prevail to the extent of the conflict.

5. Cancellation and Refund Policy

Cancellation and refund terms may vary depending on the type of service purchased. Unless a program-specific policy states otherwise, the following general policy applies:

• Customer cancellations must be submitted in writing to our contact email.
• Refund eligibility may depend on the amount of notice provided before the scheduled start date.
• Administrative fees, processing fees, non-refundable deposits, and third-party costs may be deducted from any approved refund, where permitted by law.
• Failure to attend a session, workshop, or program does not automatically entitle you to a refund.
• If we cancel a service and cannot offer a reasonable rescheduling or alternative arrangement, you may be entitled to a refund for the unused portion of fees paid, subject to applicable law and any third-party costs already incurred on your behalf.

For online or digital materials, access may be deemed delivered once login credentials, download access, or streaming access is provided. In such cases, refunds may be limited or unavailable except as required by law or expressly stated otherwise.

Any refund request will be reviewed within a reasonable time. Approved refunds will generally be processed using the original payment method unless otherwise agreed.

6. Liability Limitations

To the fullest extent permitted by applicable Canadian law, NorthStar Business Academy Inc., its directors, officers, employees, contractors, instructors, facilitators, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, loss of business opportunities, loss of goodwill, or loss of data, arising out of or relating to your use of our services.

Our total aggregate liability for any claim arising from or relating to the services shall not exceed the amount actually paid by you for the specific service giving rise to the claim, except where such limitation is prohibited by law.

Nothing in these Terms excludes or limits liability for fraud, wilful misconduct, gross negligence, or any other liability that cannot be excluded or limited under applicable law.

You acknowledge that participation in workshops, training, seminars, and coaching may involve the sharing of business ideas, operational challenges, and personal or professional experiences. You are solely responsible for decisions, actions, and outcomes resulting from your use of our services or materials.

7. Intellectual Property Rights

All content, materials, frameworks, presentations, videos, audio recordings, written handouts, worksheets, graphics, logos, trademarks, service marks, designs, software, and other intellectual property made available by NorthStar Business Academy Inc. are owned by or licensed to us and are protected by applicable intellectual property laws in Canada and elsewhere.

Except as expressly authorized in writing, you may not copy, reproduce, modify, distribute, publish, transmit, sell, sublicense, create derivative works from, or otherwise exploit our materials or branding.

We grant you a limited, non-exclusive, non-transferable, revocable licence to use materials provided to you solely for your personal or internal business educational use in connection with the services you have purchased or been granted access to.

Any feedback, suggestions, or ideas you submit to us may be used by us without restriction or compensation, unless otherwise agreed in writing and permitted by law.

8. Data Protection and Privacy

We are committed to handling personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and any substantially similar provincial legislation that may apply.

By using our services, you consent to the collection, use, disclosure, storage, and processing of personal information for purposes including:

• Registering and administering your participation in programs and services;
• Processing payments and issuing receipts or invoices;
• Communicating with you about services, updates, scheduling, and customer support;
• Improving our programs, operations, and participant experience;
• Meeting legal, regulatory, accounting, tax, and record-keeping obligations;
• Maintaining safety, security, and fraud prevention measures.

We may use third-party service providers for payment processing, email delivery, learning management systems, video conferencing, analytics, or other operational purposes. Such providers may process personal information on our behalf subject to confidentiality and security obligations where appropriate.

Where required by law, you may request access to or correction of your personal information by contacting us using the details below. For more information, please refer to any separate privacy policy we may publish from time to time.

9. Force Majeure

We shall not be liable for any delay, interruption, cancellation, or failure to perform our obligations due to events beyond our reasonable control, including but not limited to acts of God, fire, flood, severe weather, power outages, labour disputes, strikes, governmental actions, public health emergencies, war, terrorism, civil unrest, internet failures, third-party platform outages, venue closures, transportation disruptions, or other similar events.

In such circumstances, we may, at our discretion, reschedule, substitute delivery methods, modify service content, or provide a refund or credit where appropriate and required by law.

10. Changes to Terms

We may update or revise these Terms from time to time to reflect operational, legal, regulatory, or business changes. When we do, we will post the updated Terms or otherwise make them available to you.

The revised Terms will become effective on the date stated in the updated version, unless a different effective date is specified. Your continued use of our services after the revised Terms become effective constitutes your acceptance of the updated Terms.

If a change materially affects an ongoing service, we may provide additional notice where reasonably practicable.

11. Applicable Law and Jurisdiction

These Terms and any dispute, claim, or controversy arising out of or relating to them, the services, or your use of our services shall be 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.

Subject to any applicable consumer protection or mandatory legal requirements, you agree that the courts located in Ontario, Canada shall have exclusive jurisdiction over any legal proceedings arising from or relating to these Terms or the services.

12. Contact Information

If you have questions, complaints, refund requests, or legal notices regarding these Terms or our services, please contact:

NorthStar Business Academy Inc.
4100 Steeles Avenue West, Suite 209
Vaughan, ON L4L 4V3
Canada
Email: [email protected]
Phone: +1 (416) 782-5946

13. Severability Clause

If any provision of these Terms is found to be invalid, illegal, unenforceable, or contrary to applicable law by a court of competent jurisdiction, that provision shall be severed or modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

No failure or delay by us in exercising any right or remedy under these Terms shall operate as a waiver of that right or remedy.

Additional Provisions

These Terms constitute the entire agreement between you and NorthStar Business Academy Inc. regarding the subject matter described herein, except where supplemented by a separate written agreement, proposal, or policy.

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations as part of a reorganization, merger, acquisition, or sale of assets, subject to applicable law.

Headings are provided for convenience only and do not affect interpretation. The singular includes the plural and vice versa, and “including” means “including without limitation.”