Last updated on February 5, 2019

Welcome to VisionSpire.ca, this site is part of the VisionSpire Business Consulting family of informational and educational websites. VisionSpire Business Consulting (“VisionSpire”, together with its owners, affiliates and subsidiaries, “we”, “us”, “our” and terms of similar meaning) provides this Website (https://www.MoneyJoyAcademy.ca) (this site and any software provided by VisionSpire for use with the site, the “Site”) to you subject to these terms of use (these “Terms”). In these terms we describe users (“Users”) of the Site as both registered and unregistered users.  

You are welcome to access the information and items contained in this website free of charge, unless otherwise noted. VisionSpire shall not be liable to you for any breach of these Terms of Use. Please read these Terms of Use carefully before using this Site.  By accessing, using or browsing the Site you agree to be legally bound by these Terms and all terms, policies and guidelines incorporated by reference in these Terms. If you do not agree with these Terms in their entirety, you may not use the Site and may choose to exit the Website.

VisionSpire reserves the right to change or modify any of the terms and conditions contained in these Terms, or any policy or guideline of the Site, at any time and in its sole discretion. If we do so, we will notify you at the email address you provide in your registration information, if any. If you do not agree with the changes, you can cancel your subscription with us without further obligation.

Not for Resale

The Services we provide through the Site are for your own use only. You may not resell, lease or provide them in any other way to anyone else.

Copyright & Proprietary Rights

The Site, all Content and all software available on the Site or used to create and operate the Site is the property of VisionSpire or its licensors, and is protected by Canadian and international copyright laws, and all rights to the Site, such Content and such software are expressly reserved. All trademarks, registered trademarks, product names and company names or logos mentioned in the Site are the property of their respective owners. Reference to any products, services, processes or other information (by trade name, trademark, manufacturer, supplier or otherwise) does not constitute or imply endorsement, sponsorship or recommendation thereof by VisionSpire.

Proprietary Rights

If you register for an account on the Site, you agree to (a) provide accurate, current and complete information as may be prompted by any registration forms on the Site (“Registration Data”); (b) maintain the security of your password; (c) maintain and promptly update the Registration Data, and any other information you provide to the Site, and to keep it accurate, current and complete; and (d) accept all risks of unauthorized access to the Registration Data and any other information you provide to the Site. You are responsible for all activity on your Site account.  We have no responsibility or liability for it, including any loss or damage it may cause to other people. Although we have no obligation to do so, we have the absolute discretion to remove, screen or edit without notice any user content posted or stored on the Site, and we may do this at any time and for any reason.

VisionSpire does not sell or otherwise share personally identifiable information with unaffiliated third parties without your consent except in the following instances: (i) unless required by applicable law or pursuant to a court or similar order; (ii) as deemed necessary, in VisionSpire’s discretion, to protect the legal rights or the property of VisionSpire, a third party, or to prevent personal injury; and/or (iii) in the event VisionSpire is required to transfer personally identifiable information to a third party in the event of a sale, merger, assignment, joint venture or other transfer or disposition of a portion or all of the assets or stock of VisionSpire or its affiliated entities (including, without limitation, in connection with any bankruptcy or similar proceedings). In addition, VisionSpire reserves the right to allow access to its systems to third parties providing necessary technical services when such access is required in order to provide those services and to provide your personally identifiable information to third parties who provide services on behalf of VisionSpire provided that such third parties are bound by VisionSpire’s Privacy Policy.

VisionSpire grants you a limited, revocable, non-exclusive, non-sub-licensable license to access the Site and to view, copy and print the portions of the Content available to you on the Site.
Except as expressly permitted above, any use of any portion of the Content without the prior written permission of its owner is strictly prohibited and will terminate the license granted in this Agreement and your account with us.

You represent and warrant that your use of the Site and the Content will be consistent with this license and will not infringe or violate the rights of any other party or breach any contract or legal duty to any other parties, or violate any applicable law.

While we endeavor to ensure that the information on this website is correct, we do not warrant the accuracy and completeness of the material on this website.  We may make changes to the material on this website, or to the products, services, policies and prices prescribed in it, at any time, at our own discretion and without notice being required.

Information on this website is provided “as is” without warranty of any kind, either express or implied.

Online Purchases/Registration Information / Privacy Policy

VisionSpire respects the privacy of its Users.

If you register for an event or make a purchase from VisionSpire website or an affiliated merchant through our site, your personal information will be collected, for instance name, address, email, and payment details to process the transaction and deliver the product, program or service to you.  You can refer to our Privacy Policy for information on how we handle your personal data.

We use third party payment processing companies to process your transaction.  They will have different policies and terms and conditions than we do.  We do not have any responsibility or liability for the policies of these organizations.  Please visit their website or contact the merchant directly for full details on their privacy policy and terms and conditions.

The terms and conditions of the VisionSpire privacy policy with respect to this Site are incorporated herein by reference.

Returns / Refund Policy

This returns/refund policy sets out how VisionSpire processes returns or refunds for items purchased through this website. This policy may change from time to time via an update of this page. Please ensure that you check in for and understand any changes. This policy is effective from January 31, 2019.

What you can purchase through our website

Current items available for purchase on our website include:

  • membership subscriptions (monthly or annually)
  • virtual training/coaching programs
  • downloadable items (on-demand webinars/courses, templates, etc)

Refund Policy for Membership Subscriptions (Monthly)

Membership subscriptions are set to an automatic renewal, based on the membership agreement first registered, i.e. monthly auto-renewal or annual auto-renewal. Auto-renewal on a monthly basis is ongoing, until user chooses to ‘cancel’ the registered subscription.

Payment for monthly membership subscriptions is currently offered ONLY through PayPal.  VisionSpire does not have the authority to process payments without the agreed consent of registered subscription users.

Once payment has been made for the current month’s subscription, there will be no refunds.  You must cancel your registered subscription prior to the next month’s renewal date.

Refund Policy for Membership Subscriptions (Paid Annually)

Membership subscriptions paid annually and purchased through this website are set to an automatic renewal, based on the membership agreement first registered, i.e. monthly auto-renewal or annual auto-renewal. Auto-renewal on an annual basis is ongoing, until user chooses to ‘cancel’ the registered subscription.

Notification is sent via email to registered users for annual auto-renewal payments, 30 days prior to auto-renewal.

Payment for annual membership subscriptions is offered to users via:

  • PayPal
  • Online Payment Gateway (credit card)

VisionSpire does not have the authority to process payments without the agreed consent of registered subscription users.

If you choose to cancel your membership subscription prior to the annual renewal date, you will be refunded a portion of your annual membership subscription fee equal to the prorated months remaining in your annual subscription, less a $150 administration fee.  You must request cancellation and refund by email to Support@VisionSpire.ca.  Once we receive your request, and if approved, we will initiate a refund to your credit card (or original method of payment). You will receive the credit within a certain amount of days, depending on your card issuer’s policies.

Refund policy for services

No refunds will be granted for the purchase of services through this Site.  No exceptions will be made regarding the payment & refund policy.  Every effort is made to satisfy all customers in lieu of payment refund with a credit applied to future services.  At least 48 hours notice is required to make any request for changes to service appointments.

Refund policy for virtual programs

Due to the nature of the programs offered, no refunds will be granted for the purchase of virtual programs once the program has started.  No exceptions will be made regarding the payment & refund policy.  To request a refund PRIOR TO the commencement of the virtual program you have purchased, you must send your request to Support@VisionSpire.ca.  Once we receive your request, and if approved, we will initiate a refund to your credit card (or original method of payment). You will receive the credit within a certain amount of days, depending on your card issuer’s policies.

Refund policy for downloadable items

No refunds will be granted for the purchase of downloadable items (on-demand webinars, courses, templates, etc). No exceptions will be made regarding the payment & refund policy. 

No Guarantees

Your success with VisionSpire’s programs and products depends primarily on your own effort, motivation, commitment and follow-through. VisionSpire cannot predict and does not guarantee that you will attain a particular result, and you accept and understand that results differ for each individual. Each individual’s results depend on his or her unique background, dedication, desire, motivation, actions, and numerous other factors. You fully agree that there are no guarantees as to the specific outcome or results you can expect from using the information you receive on or through VisionSpire’s sites.

Personal Responsibility

You aim to accurately represent the information provided to us on or through VisionSpire Sites. You acknowledge that you are participating voluntarily in using VisionSpire Sites and that you are solely and personally responsible for your choices, actions and results, now and in the future. You accept full responsibility for the consequences of your use, or non-use, of any information provided on or through VisionSpire’s Sites, and you agree to use your own judgment and due diligence before implementing any idea, suggestion or recommendation from VisionSpire’s Sites to your life, family or business.

Not Legal/Accounting/Financial Advice

The information provided through this website has been written in general terms and is provided as broad guidance only.  It is neither a definitive analysis of the law nor intended to replace or serve as a substitute for any accounting, advisory, tax or other professional advice, consultation or service.  The application of laws and regulations may vary depending on specific facts or circumstances. Readers should discuss their specific situations with their professional advisors. The author does not accept or assume any liability or duty of care for any loss arising from any action taken or not taken by anyone in reliance on the information in this article or for any decision based on it.

Not Medical Advice

VisionSpire does not provide medical, therapy, or psychotherapy services, and the services provided by VisionSpire do not render medical or psychological advice, opinion, diagnosis or treatment. The information provided through this website should not be used for diagnosing or treating a health problem or disease. It is not a substitute for professional medical care. If you have or suspect you may have a medical or psychological problem, you should consult your appropriate health care provider.

Testimonials

VisionSpire presents real world experiences, testimonials, and insights about other people’s experiences with VisionSpire, its products and Sites for purposes of illustration only. The testimonials, examples, and/or photos used are of actual clients and results they personally achieved, or they are comments from individuals who can speak to my character and/or the quality of VisionSpire’s work and products. They are not intended to represent or guarantee that current or future clients will achieve the same or similar results; rather, these testimonials represent what is possible for illustrative purposes only.

Affiliates

From time to time, VisionSpire may promote, affiliate with, or partner with other individuals or businesses whose programs, products and services align with ours.  In the spirit of transparency, we want you to be aware that there may be instances when we promote, market, share or sell programs, products or services for other partners and in exchange we may receive financial compensation or other rewards. Please note that we are highly selective and only promote the partners whose programs, products and/or services we respect.

At the same time, you agree that any such promotion or marketing does not serve as any form of endorsement whatsoever. You are still required to use your own judgment to determine that any such program, product or service is appropriate for you. You are assuming all risks, and you agree that VisionSpire is not liable in any way for any program, product or service that we may promote, market, share or sell on or through this Site.

Third Party Content / Sites

The Site may contain links to third-party Web sites (“Third-Party Sites”) and third-party content (“Third-Party Content”) as a service to those interested in this information. Links to Third Party Sites are provided solely for your convenience.  You use links to Third-Party Sites, and any Third-Party Content or service provided there at your own risk. VisionSpire does not monitor or have any control over, and makes no claim, endorsement or representation regarding, Third-Party Content or Third-Party Sites, or any results that may be obtained from using them.

Liability

While VisionSpire attempts to make your access to and use of the Site safe, VisionSpire does not represent or warrant that the Site or any Content are free of viruses or other harmful components.

You shall defend, indemnify and hold harmless VisionSpire and the other Released Parties from any loss, damages, liabilities, costs, expenses, claims and proceedings arising out of your use of the Site and from the use of the Site by any person to whom you give access to your account, including any claims made by any person that any of your User Content infringes the rights, including the intellectual property rights, of any third party.

Applicable Laws

The Site is controlled by VisionSpire and operated by it from its offices in Ontario, Canada. You and VisionSpire both benefit from establishing a predictable legal environment in regard to the Site. Therefore, you and VisionSpire explicitly agree that all disputes, claims or other matters arising from or relating to your use of the Site will be governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

If any provision of these Terms shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.

Assignment

VisionSpire may assign any or all of its rights hereunder to any party without your consent. You are not permitted to assign any of your rights or obligations hereunder without the prior written consent of VisionSpire, and any such attempted assignment will be void and unenforceable.

These Terms constitute the entire agreement between you and VisionSpire regarding your use of the Site, and supersede all prior or contemporaneous communications whether electronic, oral or written between you and VisionSpire regarding your use of the Site.

Updates

Updates, amendments or changes to this document will be prominently posted here.

Consent

By using VisionSpire.ca you abide by the terms of these Terms of Use. We hope you enjoy using this Site.  If you have any questions about these Terms of Use, please email support@visionspire.ca. 

By using our website, you hereby consent to our disclaimer and agree to its terms.

 


DISCLAIMER

If you require any more information or have any questions about our site’s disclaimer, please feel free to contact us by email at support@visionspire.ca

Disclaimer of Warranties and Liability

ALL THE INFORMATION ON THIS WEBSITE – WWW.VISIONSPIRE.CA – IS PUBLISHED IN GOOD FAITH AND FOR GENERAL INFORMATION PURPOSE ONLY. VISIONSPIRE CANNOT AND DOES NOT MAKE ANY WARRANTIES ABOUT THE ACCURACY, COMPLETENESS, RELIABILITY, CURRENTNESS, MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE OF THE INFORMATION AVAILABLE THROUGH VISIONSPIRE.CA. NOR IS THE SITE WARRANTED TO BE ERROR-FREE, CONTINUOUSLY AVAILABLE OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.  ANY ACTION YOU TAKE UPON THE INFORMATION YOU FIND ON THIS WEBSITE, IS STRICTLY AT YOUR OWN RISK. THIS IS INCLUDING BUT NOT LIMITED TO ALL CONTENT, SERVICES, PODCASTS, DIGITAL PRODUCTS, COURSES, EVENTS, TOOLS AND PRODUCTS USED AND PURCHASED THROUGH THE YOUR SOUL CONNECTION WEBSITE. THIS WEBSITE IS PROVIDED “AS IS”, WITH ALL FAULTS AND “AS AVAILABLE”.  VISIONSPIRE WILL NOT BE LIABLE FOR ANY LOSSES AND/OR DAMAGES IN CONNECTION WITH THE USE OF OUR WEBSITE.​

UNDER NO CIRCUMSTANCES WILL VISIONSPIRE BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL OR INDIRECT DAMAGES, WHETHER FORESEEABLE OR NOT, WHICH MAY RESULT FROM THE UNAVAILABILITY OR MALFUNCTION OF THE VISIONSPIRE SITE. YOU AGREE THAT THE LIABILITY OF THE VISIONSPIRE SITE, IF ANY, ARISING OUT OF ANY LEGAL CLAIM IN ANY WAY CONNECTED TO THE VISIONSPIRE’S SITES WILL NOT EXCEED THE AMOUNT, IF ANY, THAT YOU PAID TO VISIONSPIRE FOR ACCESS TO THE CONTENT ON THIS SITE. 

YOU UNDERSTAND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM ANY MATERIAL AND/OR DATA DOWNLOADED FROM OR OTHERWISE PROVIDED THROUGH THIS SITE. 

VISIONSPIRE IS NOT RESPONSIBLE FOR ANY ERRORS OR OMISSIONS OR FOR THE RESULTS OBTAINED FROM THE USE OF INFORMATION ON THIS SITE. THE INFORMATION IS PROVIDED WITH THE UNDERSTANDING THAT NEITHER VISIONSPIRE NOR ITS VISITORS, EMPLOYEES OR EXPERTS, WHILE THEY ARE PARTICIPATING IN THIS SITE, ARE ENGAGED IN GIVING LEGAL, MEDICAL, COUNSELING OR OTHER PROFESSIONAL SERVICES OR ADVICE. VISIONSPIRE ENCOURAGES YOU TO SEEK APPROPRIATE PROFESSIONAL ADVICE OR CARE FOR YOUR PARTICULAR SITUATION OR PROBLEM.

VISIONSPIRE SHALL NOT BE RESPONSIBLE FOR ANY LOSS OR DAMAGE CAUSED, OR ALLEGED TO HAVE BEEN CAUSED, DIRECTLY OR INDIRECTLY, BY THE INFORMATION OR IDEAS CONTAINED, SUGGESTED OR REFERENCED IN THIS SITE, ITS PODCASTS, DIGITAL PRODUCTS OR SERVICES. ANY ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM VISIONSPIRE OR THROUGH THIS SITE, (INCLUDING ITS EMPLOYEES, CONSULTANTS AND/OR EXPERTS) SHALL NOT CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. 

VISIONSPIRE IS NOT RESPONSIBLE FOR ANY CONTENT ON THE INTERNET OR WORLD WIDE WEB PAGES THAT IS CONTAINED OUTSIDE OF THE VISIONSPIRE SITE, INCLUDING ANY SITES VISIONSPIRE MAY HAVE LINKS TO. 

FROM OUR WEBSITE, YOU CAN VISIT OTHER WEBSITES BY FOLLOWING HYPERLINKS TO SUCH EXTERNAL SITES. WHILE WE STRIVE TO PROVIDE ONLY QUALITY LINKS TO USEFUL AND ETHICAL WEBSITES, WE HAVE NO CONTROL OVER THE CONTENT AND NATURE OF THESE SITES. THESE LINKS TO OTHER WEBSITES DO NOT IMPLY A RECOMMENDATION FOR ALL THE CONTENT FOUND ON THESE SITES. SITE OWNERS AND CONTENT MAY CHANGE WITHOUT NOTICE AND MAY OCCUR BEFORE WE HAVE THE OPPORTUNITY TO REMOVE A LINK WHICH MAY HAVE GONE ‘BAD’.

PLEASE BE ALSO AWARE THAT WHEN YOU LEAVE OUR WEBSITE, OTHER SITES MAY HAVE DIFFERENT PRIVACY POLICIES AND TERMS WHICH ARE BEYOND OUR CONTROL. PLEASE BE SURE TO CHECK THE PRIVACY POLICIES OF THESE SITES AS WELL AS THEIR “TERMS OF SERVICE” BEFORE ENGAGING IN ANY BUSINESS OR UPLOADING ANY INFORMATION.