Terms of Service

Last updated: 30 June 2026

1. Agreement

These Terms of Service ("Terms") constitute a legally binding agreement between you and Smart Wealth AI Inc. ("Smart Wealth AI", "we", "us"), a corporation registered in British Columbia, Canada (BN 773259640 BC0001). By accessing smartwealthai.one, submitting an enquiry, or enrolling in a programme, you agree to these Terms and our Privacy Policy.

If you do not agree, do not use our website or services.

2. Nature of services — vocational education only

Smart Wealth AI provides vocational training courses teaching practical AI skills for personal and freelance finance management, including budgeting, cash-flow tracking, expense organisation and financial-literacy milestones. Our services are educational only.

We do not provide financial, investment, tax or accounting advice. We are not a bank, trust company, investment dealer, portfolio manager, robo-advisor or licensed financial planning firm. The Smart Wealth AI brand reflects structured, calm learning in personal finance management — it does not imply custody of funds, banking services or investment products.

Completion certificates reflect training participation only. We do not guarantee savings, returns, debt reduction, income increases or any specific financial outcomes. Results depend entirely on your own application of skills taught and your individual financial circumstances.

AI tools and examples used in courses may contain errors or outdated information. Financial decisions require your own judgment and, where appropriate, consultation with licensed professionals such as financial advisers, accountants or lawyers.

3. Eligibility

Our programmes are intended for individuals aged 18 and over. By enrolling, you represent that you meet this requirement and that information you provide is accurate and complete.

4. Enrolment and payment

Programme fees are stated in Canadian dollars (CAD) and are due as specified at enrolment. Prices may change for future cohorts; confirmed enrolments honour the price at time of registration. Payment is processed through third-party payment providers; we do not store full credit card numbers on our servers.

Enrolment is confirmed upon receipt of payment and our written confirmation email. We reserve the right to cancel or reschedule cohorts with reasonable notice and full refund of fees paid for the affected programme.

5. Refund policy

Full refund for cancellations 14 or more days before the programme start date. Fifty percent (50%) refund for cancellations 7–13 days before start. No refund for cancellations within 7 days of start or after programme commencement, except where required by British Columbia consumer protection legislation.

Self-paced module purchases follow the same timeline based on purchase date. One free transfer to a later cohort is permitted per enrolment upon request. Refund requests: [email protected].

6. Intellectual property

All course materials, website content, logos, and curriculum structures are owned by Smart Wealth AI Inc. or licensed to us. Enrolment grants you a personal, non-transferable licence to access materials for your own learning during the programme period. You may not reproduce, distribute, resell or publicly share course materials without written permission.

7. Acceptable use

You agree not to:

• Use our services for unlawful purposes or to promote investment schemes, trading signals or get-rich-quick strategies
• Misrepresent your affiliation with Smart Wealth AI or claim credentials we do not grant
• Share login credentials for learning platforms
• Disrupt classes, harass facilitators or other learners, or upload malicious content
• Scrape, copy or automate extraction of website content without permission

We may suspend or terminate access for violations without refund where appropriate.

8. AI tools and third-party services

Courses reference third-party AI tools (ChatGPT, Copilot, Claude, etc.) and may require you to create accounts with those providers. Your use of third-party tools is governed by their terms and privacy policies. We are not responsible for third-party service availability, pricing changes or data practices.

9. Limitation of liability

To the maximum extent permitted by British Columbia law, Smart Wealth AI Inc. and its directors, officers, employees and contractors shall not be liable for any indirect, incidental, special, consequential or punitive damages, including loss of profits, data, or financial losses arising from decisions you make based on course content or AI tool outputs.

Our total liability for any claim arising from these Terms or our services shall not exceed the fees you paid for the specific programme giving rise to the claim in the twelve months preceding the claim.

Nothing in these Terms excludes liability that cannot be excluded under applicable law, including certain consumer protection rights in British Columbia.

10. Indemnification

You agree to indemnify and hold harmless Smart Wealth AI Inc. from claims arising from your misuse of our services, violation of these Terms, or infringement of third-party rights, except to the extent caused by our gross negligence or wilful misconduct.

11. Website disclaimer

Website content is provided for general information about our training programmes. While we strive for accuracy, we make no warranties about completeness or currentness of website content. Programme details on the website are subject to change; confirmed enrolment documents prevail.

12. Governing law and jurisdiction

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts of British Columbia for disputes arising from these Terms or our services.

13. Changes to terms

We may update these Terms from time to time. The "Last updated" date reflects the current version. Continued use of the website after changes constitutes acceptance. Material changes affecting enrolled learners will be communicated by email where practicable.

14. Severability

If any provision of these Terms is found unenforceable, the remaining provisions continue in full force and effect.

15. Entire agreement

These Terms, together with our Privacy Policy and any enrolment confirmation documents we issue, constitute the entire agreement between you and Smart Wealth AI Inc. regarding use of our website and enrolment in our programmes, superseding any prior oral or written understandings on the same subject matter.

16. Force majeure

We are not liable for delays or failures caused by events beyond our reasonable control, including natural disasters, pandemics, utility outages, labour disputes or government orders. When cohorts are disrupted, we will offer rescheduling or alternative access to materials where practicable.

17. Assignment

You may not assign your rights under these Terms without our written consent. We may assign our obligations to a successor in a merger or asset sale, provided enrolled learners are notified and the successor honours active programme commitments.

18. Waiver

Failure to enforce any Term does not waive that or any other provision. Valid waivers require written authorisation from Smart Wealth AI Inc.

Course materials are provided in English (Canadian). If supplementary translations are offered, the English version prevails in case of conflict. Disputes related to programme delivery are subject to the governing law section above.

Recording policies for online cohorts are described in our Privacy Policy. Redistribution of class recordings outside your enrolled group requires written approval from Smart Wealth AI Inc.

By enrolling, you acknowledge that vocational training outcomes depend on your own application of course material and that we do not guarantee financial results.

19. Contact

Smart Wealth AI Inc.
745 Thurlow Street, Suite 2400, Vancouver, BC V6E 0C5, Canada
[email protected] · +1 (604) 357-8261