1. Scope

These Terms & Conditions apply to all enrollments, subscriptions, and purchases made by you (the “User”) on Budget Light (budgetlightup.com), 2500 7 Avenue SW, Calgary, Alberta, Canada (Business Number BN: 841-372-059).

2. Services

Budget Light offers online budgeting courses, templates, calculators, and coaching resources designed to help you manage your finances, reduce expenses, and build sustainable savings plans. The exact scope of your enrollment is detailed on your purchase confirmation.

3. Enrollment & Contract Formation

To enroll in a course or subscription, complete the checkout process on our website. A binding contract is formed when we send you an email confirmation with access credentials and service details.

4. Fees & Payment

All fees are quoted in CAD and are exclusive of applicable taxes. Payment methods include credit card and PayPal. Unless otherwise agreed, payments are due immediately upon order; recurring subscriptions renew automatically.

5. Cancellation & Refunds

We strive for your satisfaction. Refunds and cancellations follow this policy:

• Within 7 days of purchase: Full refund if less than 20% of content accessed.
• 8–30 days of purchase: 50% refund if less than 50% of content accessed.
• After 30 days: No refund available.

Refunds are issued within 10 business days via the original payment method. Access to paid content is revoked upon refund.

6. Intellectual Property

All course materials, videos, templates, and resources are the intellectual property of Budget Light. You may use them for personal, non-commercial purposes only. Any reproduction or distribution requires our prior written consent.

7. User Conduct

You agree not to share login credentials, distribute course materials, or engage in any activity that infringes on our rights or the rights of other users.

8. Limitation of Liability

Budget Light provides educational content and tools. We are not financial advisors; you use our materials at your own risk. To the fullest extent permitted by law, Budget Light is not liable for any direct, indirect, or consequential losses arising from your use of our services.

9. Data Protection

We process your personal data in accordance with our Privacy Policy.

10. Governing Law & Jurisdiction

These Terms & Conditions are governed by the laws of Alberta, Canada. Any disputes will be subject to the exclusive jurisdiction of the courts of Calgary.

Budget Light
2500 7 Avenue SW
Calgary, Alberta, Canada
Phone: +1 403 528 79 32
Email: info@budgetlightup.com
Business Number (BN): 841-372-059