Terms of Service

By accessing, browsing, or using this website and any services, courses, or content provided by TIS JIS S.A., you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to any part of these Terms, you must discontinue your use of this website and our services immediately.

You represent and warrant that you are at least 18 years of age, or the age of legal majority in your jurisdiction, whichever is greater. If you are accessing this website or enrolling in any of our courses or services on behalf of a company, organization, or other legal entity, you represent that you have the authority to bind that entity to these Terms. In such a case, "you" and "your" shall refer to both you individually and the entity you represent.

Your continued use of this website after the posting of any modifications to these Terms constitutes your acceptance of those modifications. We encourage you to review these Terms periodically to stay informed of any updates. The date of the most recent revision is always indicated at the top of this page.

TIS JIS S.A. provides financial education, consulting services, and analytical resources designed to help individuals and businesses improve their financial literacy and decision-making capabilities. Our services are specifically adapted for clients in Canada and include, but are not limited to:

• Financial Planning: Personalized sessions that analyze your income, expenses, and financial goals to create a sustainable and actionable financial model.
• Investment Fundamentals: A structured course covering the principles of investing, portfolio construction, risk assessment, and Canadian-specific instruments such as TFSAs and RRSPs.
• Personal Budget Management: A practical program teaching expense control techniques, budgeting strategies, and daily financial habit optimization.
• Advanced Financial Strategies: In-depth content for experienced individuals covering risk analysis, diversification methods, and real-world case studies drawn from Canadian markets.
• Individual Consultations: One-on-one sessions with invited specialists who provide guidance tailored to your specific financial situation and objectives.

All services offered by TIS JIS S.A. are educational and informational in nature. We do not act as a licensed financial advisor, broker, or investment manager. Our courses and consultations are designed to educate and inform, not to provide personalized financial, investment, legal, or tax advice. The scope of our services may change over time, and we reserve the right to modify, suspend, or discontinue any service or course at our discretion, with reasonable notice provided to enrolled clients.

Our services are delivered through online platforms accessible from anywhere in Canada. Certain programs may also include downloadable materials, recorded sessions, and interactive exercises. The availability of specific courses or consultation slots may vary based on demand and scheduling.

As a user of this website and our services, you agree to the following obligations and responsibilities:

• Lawful Use: You will use this website and our services only for lawful purposes and in compliance with all applicable local, provincial, national, and international laws and regulations, including those of Canada and the European Union.
• Accurate Information: When submitting information through our contact forms, registration processes, or during consultations, you will provide accurate, current, and complete information. You are responsible for maintaining the accuracy of your information.
• No Unauthorized Access: You will not attempt to gain unauthorized access to any part of this website, its servers, databases, or any connected systems. You will not use automated tools, bots, scrapers, or crawlers to extract data from this website without our explicit written permission.
• No Impersonation: You will not impersonate any person or entity, or falsely represent your affiliation with any person or entity while using our services or communicating with our team.
• No Interference: You will not interfere with or disrupt the proper functioning of this website, including introducing viruses, malware, or any harmful code. You will not overload our infrastructure through denial-of-service attacks or similar activities.
• Respect for Intellectual Property: You will not reproduce, distribute, modify, create derivative works from, display, or otherwise use any content from this website without our prior written consent, except as expressly permitted under Section 4 of these Terms.
• Course Materials: If you enroll in any of our educational programs, you agree not to share, redistribute, resell, or publicly display course materials, recordings, or any proprietary content provided during the program.
• No Illegal Activity: You will not use our services to facilitate, promote, or engage in any illegal activity, including but not limited to money laundering, fraud, or tax evasion.

Violation of any of these obligations may result in the immediate suspension or termination of your access to our website and services, without refund, and may be reported to the appropriate legal authorities if necessary.

All content, materials, and intellectual property available on this website and through our services are owned by TIS JIS S.A. or our licensors and are protected by applicable copyright, trademark, trade secret, and other intellectual property laws. This includes, but is not limited to:

• Website design, layout, graphics, and visual elements
• Text, articles, educational materials, and course content
• Logos, trademarks, and service marks
• Software, code, and technical infrastructure
• Videos, audio recordings, and presentation materials
• Data compilations, research, and analytical frameworks

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use this website and its content for your personal, non-commercial use only. This license does not include any right to collect, aggregate, copy, duplicate, display, or create derivative works from our content. Any use beyond what is expressly permitted here requires our prior written consent.

For enrolled students, course materials are provided for personal educational use only. You may not record, screenshot, copy, or redistribute any course content, including live session recordings, downloadable resources, or proprietary frameworks shared during the program. Unauthorized reproduction or distribution of our intellectual property may result in legal action.

If you believe that any content on our website infringes upon your intellectual property rights, please contact us at [email protected] with a detailed description of the alleged infringement, and we will investigate the matter promptly.

To the fullest extent permitted by applicable law, TIS JIS S.A. expressly disclaims all warranties, including but not limited to:

• Accuracy and Completeness: While we strive to provide accurate and up-to-date information, we do not warrant that all content on this website is free from errors, omissions, or outdated information. Financial markets, regulations, and instruments change frequently, and information may not reflect the most current developments at the time you access it.
• Fitness for Purpose: We do not guarantee that our services, courses, or content will meet your specific needs, expectations, or objectives. Educational programs are general in nature and may not address your unique financial circumstances.
• Availability: We do not guarantee that this website or our services will be available at all times without interruption. We may experience downtime for maintenance, updates, or due to factors beyond our control.
• Financial Outcomes: We make no representations, warranties, or guarantees regarding any specific financial results, returns, or outcomes from using our services or applying the knowledge gained from our courses. All financial decisions involve inherent risk, including the possible loss of capital. Past performance of any financial strategy, instrument, or market is not indicative of future results.
• Third-Party Content: Any references to third-party products, services, or resources are provided for informational purposes only and do not constitute an endorsement or recommendation by TIS JIS S.A.

All specialists featured on our platform are invited experts and independent professionals. TIS JIS S.A. does not certify, license, or regulate these specialists. Their opinions and recommendations represent their own professional views and do not necessarily reflect the official position of TIS JIS S.A. Clients are encouraged to verify any information and seek independent professional advice before making financial decisions.

To the maximum extent permitted by applicable law, TIS JIS S.A., its directors, officers, employees, agents, affiliates, and invited specialists shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of (or inability to use) this website or our services. This includes, without limitation:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Financial losses resulting from investment decisions or financial strategies
• Damages arising from reliance on any content provided on this website
• Costs of procuring substitute services
• Personal injury or emotional distress

In no event shall the total cumulative liability of TIS JIS S.A. to you for all claims arising out of or related to these Terms, this website, or our services exceed the total amount you have paid to TIS JIS S.A. in the twelve (12) months immediately preceding the event giving rise to the claim, or one hundred euros (EUR 100), whichever is greater.

These limitations apply regardless of the legal theory under which any claim is brought, including contract, tort (including negligence), strict liability, or any other basis, and even if TIS JIS S.A. has been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such jurisdictions, our liability shall be limited to the fullest extent permitted by law.

You agree to indemnify, defend, and hold harmless TIS JIS S.A., its directors, officers, employees, agents, affiliates, and invited specialists from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or related to:

• Your use of this website or our services in violation of these Terms
• Your breach of any representation, warranty, or obligation set forth in these Terms
• Your violation of any applicable law, regulation, or third-party right
• Any content or information you submit through our website, including contact forms and consultation requests
• Any financial decisions you make based on information obtained through our platform
• Your unauthorized use or distribution of our intellectual property or course materials

This indemnification obligation shall survive the termination of these Terms and your use of our website and services. TIS JIS S.A. reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim.

This website may contain links to third-party websites, resources, or services that are not owned or controlled by TIS JIS S.A. These links are provided solely for your convenience and informational purposes. The inclusion of any link does not imply endorsement, approval, or recommendation of the linked site, its content, its operators, or any products or services offered through it.

TIS JIS S.A. has no control over and assumes no responsibility for the content, privacy policies, practices, accuracy, or availability of any third-party websites or resources. We strongly recommend that you review the terms of service and privacy policies of any third-party website you visit.

Your interactions with third-party websites, including any purchases, agreements, or exchanges of information, are solely between you and the third party. TIS JIS S.A. shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any content, goods, or services available through any third-party website.

Your privacy is important to us. Our collection, use, storage, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this website and our services, you consent to the data practices described in our Privacy Policy.

Our Privacy Policy provides detailed information about the types of personal data we collect, the purposes for which we process it, the legal bases for processing, your rights regarding your data, and how we use cookies and tracking technologies. We encourage you to read the Privacy Policy in full before submitting any personal information through our website.

When you submit information through our contact forms, enroll in courses, or engage in consultations, you acknowledge that the information you provide will be handled in accordance with our Privacy Policy. You may exercise your data protection rights at any time by contacting us at [email protected].

These Terms of Service and any disputes arising out of or related to these Terms, this website, or our services shall be governed by and construed in accordance with the laws of the Kingdom of Spain, without regard to its conflict of law principles.

Any legal proceedings arising from or related to these Terms shall be submitted to the exclusive jurisdiction of the courts of Barcelona, Spain. By using this website and our services, you irrevocably consent to the personal jurisdiction and venue of such courts and waive any objection to the convenience of such forum.

If you are a consumer residing in the European Union, you may also have the right to bring proceedings in the courts of your country of residence. Nothing in these Terms shall affect your statutory rights as a consumer under applicable EU consumer protection legislation. For consumers in Canada, applicable provincial consumer protection laws may also provide additional rights that cannot be waived by contract.

In the event of any dispute, claim, or controversy arising out of or relating to these Terms, this website, or our services ("Dispute"), the parties agree to first attempt to resolve the Dispute through good-faith informal negotiation. To initiate this process, the party raising the Dispute must provide written notice to the other party describing the nature and basis of the Dispute and the specific relief sought.

The parties shall attempt to resolve the Dispute through informal negotiation for a period of at least thirty (30) calendar days from the date the written notice is received. During this period, both parties agree to make reasonable efforts to reach a mutually acceptable resolution.

If the Dispute cannot be resolved through informal negotiation within the thirty-day period, either party may pursue resolution through the courts specified in Section 10 above. Alternatively, both parties may mutually agree to submit the Dispute to binding arbitration administered by a recognized arbitration institution in Barcelona, Spain, conducted in accordance with its applicable rules. The language of arbitration shall be English or Spanish, as mutually agreed.

Each party shall bear its own costs and expenses related to the informal negotiation and any subsequent dispute resolution proceedings, unless the arbitrator or court orders otherwise. Nothing in this section shall prevent either party from seeking injunctive or other equitable relief in court to prevent irreparable harm pending the resolution of a Dispute.

TIS JIS S.A. reserves the right to suspend, restrict, or terminate your access to this website and our services, in whole or in part, at any time and for any reason, including but not limited to:

• Violation of any provision of these Terms of Service
• Conduct that we reasonably believe is harmful to other users, our business interests, or third parties
• Requests by law enforcement or government authorities
• Discontinuation or modification of our services or any part thereof
• Unexpected technical or security issues
• Extended periods of account inactivity

In cases of serious violations, termination may occur without prior notice. For less critical matters, we will endeavor to provide reasonable notice before suspending or terminating your access. Termination of your access does not relieve you of any obligations incurred prior to termination, including payment obligations for services already rendered.

Upon termination, your right to use our website and services ceases immediately. All provisions of these Terms that by their nature should survive termination shall continue to apply, including but not limited to Sections 4 (Intellectual Property), 5 (Disclaimers), 6 (Limitation of Liability), 7 (Indemnification), 10 (Governing Law), and 11 (Dispute Resolution).

You may also terminate your relationship with TIS JIS S.A. at any time by discontinuing your use of our website and services and, if applicable, by contacting us at [email protected] to close any active accounts or cancel enrolled programs.

TIS JIS S.A. reserves the right to modify, amend, or update these Terms of Service at any time. When we make changes, we will update the "Last Updated" date at the top of this page and, for significant changes, we will provide a notice on our homepage at least fourteen (14) days before the revised terms take effect.

We may notify you of material changes through one or more of the following methods: a prominent banner on our homepage, a notification via email (if you have provided your email address through our services), or a pop-up notice when you next visit the website. We encourage you to review these Terms periodically to stay informed about your rights and obligations.

Your continued use of this website and our services after the effective date of any revised Terms constitutes your acceptance of and agreement to those changes. If you do not agree to the revised Terms, you must discontinue your use of this website and our services before the revised Terms become effective. If you have any questions about changes to these Terms, please contact us at [email protected].

If you have any questions, concerns, or requests regarding these Terms of Service, please contact us using the information below. We are committed to addressing your inquiries in a timely and transparent manner.

For general inquiries about our services and courses, please visit our Contact page. For matters specifically related to data protection and privacy, please refer to our Privacy Policy.