Terms of service

To be drafted, then reviewed by a lawyer. The structure below covers what is expected for selling digital content to consumers in Canada — in Quebec, the Consumer Protection Act applies. Do not publish as is.

1. Scope

[Define the service, the parties, and what these terms cover.]

2. Who you are buying from

[Full identity of the seller — mirrors the legal notice.]

3. Account and access

[Account creation, age requirements, credential security, deletion.]

4. What we sell

[Nature of the content, how long access lasts, updates, availability, prerequisites.]

5. Prices and payment

[Prices in Canadian dollars before tax; applicable taxes (GST/QST/HST/PST) by province; payment methods; invoicing; how the bundle discount is calculated; notice before any price change. No subscription, no auto-renewal.]

6. Delivery

[Access time, technical requirements, system requirements, what happens when something fails.] See the delivery policy.

7. Cancellation and refunds

[Careful here: Canada has no general 14-day right of withdrawal like the EU. The FORMABOX 3 days are therefore a purely commercial guarantee — word it that way, without implying it comes from statute. Check the distance-contract rules of the Consumer Protection Act.] See the refund policy.

8. Your licence

[Personal, non-exclusive, non-transferable licence. What is allowed and what is not — account sharing, resale, redistribution.] The detail is in the acceptable use policy.

9. Intellectual property

[Ownership of the content, the agreements signed with each author, trademarks, how to report an infringement.]

10. Your obligations

[Fair use, no circumventing protections, conduct in any community spaces.]

11. Liability

[Limits of liability, service availability, force majeure.]

12. Not financial advice

[To be drafted carefully.] FORMABOX provides educational content and does not give investment advice, personalised recommendations or portfolio management. No financial outcome is guaranteed. Trading carries a risk of loss of capital. The full statement is on the risk disclosure page.

13. Suspension and termination

[Grounds, notice, what happens to content already purchased, right of reply.]

14. Personal information

[Cross-reference to the privacy policy and the cookie policy.]

15. Changes to these terms

[Advance notice, the notice period, and your right to refuse and walk away at no cost.]

16. Governing law and disputes

[Governing law (province), informal complaint first, Office de la protection du consommateur, competent court.]

17. Version history

[Table of successive versions with effective dates and a summary of what changed — so nobody discovers a change after the fact.]