Terms and Conditions

1. Introduction

Welcome to our website. These Terms and Conditions govern your use of our website and the purchase of the book "New Trends in Financial Markets" and related services.

By accessing our website or purchasing our products, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you disagree with any part of these terms, please do not use our website or purchase our products.

2. Definitions

In these Terms and Conditions:

• "We", "our", "us" refers to the publishers and owners of the "New Trends in Financial Markets" book.
• "Website" refers to the website accessible at our domain.
• "You", "your" refers to the user or viewer of our website or purchaser of our products.
• "Product" refers to the book "New Trends in Financial Markets" in all its formats (softcover, hardcover, and digital).
• "Content" refers to all materials on our website, including text, images, graphics, and layout.

3. Use of Our Website

You may access and use our website for your personal, non-commercial use only. You agree not to:

• Use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website.
• Use our website in any way that is unlawful, illegal, fraudulent or harmful.
• Use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of malware.
• Conduct any systematic or automated data collection activities on or in relation to our website.
• Republish material from our website (including republication on another website).
• Sell, rent or sub-license material from our website.
• Show any material from our website in public.
• Reproduce, duplicate, copy or otherwise exploit material on our website for a commercial purpose.

4. Products and Orders

4.1. Product Information

We strive to ensure that all information about our products is accurate and complete. However, we do not warrant that product descriptions or other content on the website are accurate, complete, reliable, current, or error-free.

4.2. Placing Orders

By placing an order, you make an offer to purchase the selected product. All orders are subject to acceptance and availability. We reserve the right to refuse any order.

4.3. Price and Payment

All prices are in Canadian Dollars (CAD) and include applicable taxes. Prices are subject to change without notice. Payment methods accepted will be specified during the checkout process.

4.4. Delivery

Delivery times for physical products are estimates only. Digital products are typically delivered via email immediately after payment confirmation.

4.5. Returns and Refunds

Our return and refund policy allows for returns within 30 days of receipt for physical products in original condition. Digital products may be eligible for refunds under specific circumstances. Please contact our customer service for details.

5. Intellectual Property Rights

All content on our website and in our products is the property of us or our content suppliers and is protected by Canadian and international copyright and other intellectual property laws.

You may view, download, and print pages from the website for your own personal use, subject to the restrictions set out in these Terms and Conditions.

You must not:

• Republish material from our website or products (including republication on another website).
• Sell, rent, or sub-license material from our website or products.
• Reproduce, duplicate, copy or otherwise exploit material from our website or products for commercial purposes.
• Redistribute content from our website or products unless content is specifically made available for redistribution.

6. Limitation of Liability

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website, products, and services and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and the use of reasonable care and skill).

Nothing in these Terms and Conditions will:

• Limit or exclude our or your liability for death or personal injury resulting from negligence.
• Limit or exclude our or your liability for fraud or fraudulent misrepresentation.
• Limit any of our or your liabilities in any way that is not permitted under applicable law.
• Exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this section and elsewhere in these Terms and Conditions:

• Are subject to the preceding paragraph.
• Govern all liabilities arising under these Terms and Conditions or in relation to the subject matter of these Terms and Conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

To the extent that the website, products, or services are provided free of charge, we will not be liable for any loss or damage of any nature.

We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

7. Educational Content Disclaimer

The content of our products and website is for educational and informational purposes only. It should not be construed as financial advice. We do not guarantee any specific results or outcomes from using our educational materials.

Readers are encouraged to seek advice from qualified professionals regarding specific financial, investment, or related matters. Decisions based on information provided in our products are the responsibility of the reader.

8. Changes to These Terms

We may revise these Terms and Conditions at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are legally binding on you.

Some of the provisions contained in these Terms and Conditions may also be superseded by provisions or notices published elsewhere on our website.

9. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of Canada and the province of Quebec, and any disputes relating to these Terms and Conditions will be subject to the exclusive jurisdiction of the courts of Montreal, Quebec.

10. Contact Us

If you have any questions or concerns about these Terms and Conditions, please contact us:

• By email: info@balivo-gajale.sbs
• By phone: +1 (514) 555-9812
• By mail: 1088 Rue Sainte-Catherine, Montréal, QC, Canada