Terms of Service

1. Instant Financial Programs

Instant Financial offers paid financial education programs designed to help members better understand personal-finance topics.

Educational topics may include budgeting, saving, credit, debt, investing fundamentals, registered accounts, fraud awareness, and other personal-finance topics.

Program content is delivered through Instant Academy or another method identified during enrollment.

2. Program Selection

Before enrolling, you will be shown information applicable to the selected program, which may include program price, payment amount, payment frequency, number or duration of payments, program duration, promotional cashback amount, educational content or access included, applicable fees or charges, and other material terms.

You should review these details before accepting your Program Agreement.

3. Promotional Cashback

Eligible Instant Financial programs include promotional cashback. The cashback amount associated with each program is displayed before enrollment.

Promotional cashback is a program benefit and is subject to the eligibility, verification, activation, and other conditions disclosed in your Program Agreement.

4. Cashback Delivery

Where the applicable program requirements have been completed, promotional cashback may be delivered electronically, including by Interac e-Transfer or another available payment method.

Actual delivery timing can depend on processing systems, financial institutions, verification requirements, and other circumstances outside Instant Financial’s direct control. Any specific timing commitment contained in your Program Agreement governs.

5. Instant Academy

Enrollment provides access to the educational materials included with your selected program. Content may include written lessons, videos, examples, tools, educational illustrations, quizzes, or other learning materials.

Program materials are for your personal educational use.

6. Educational Purpose

Instant Academy provides general financial education. The service is not individualized financial planning, investment advice, legal advice, accounting advice, tax advice, credit counselling, or credit-repair services.

You remain responsible for financial decisions you make.

7. No Credit-Score Guarantee

Instant Financial does not guarantee that participation will increase, repair, establish, or otherwise change your credit score. Examples concerning credit scores or financial outcomes are educational illustrations only unless expressly identified otherwise.

8. Program Payments

You agree to pay the amounts set out in the Program Agreement you accept. Your Program Agreement identifies the applicable payment amount, payment frequency, payment schedule, and total program cost.

Payments may be collected using an authorized payment method.

9. Pre-Authorized Debits

If you authorize pre-authorized debits (“PADs”), the separate PAD authorization governs the debits from your account.

Cancelling a PAD authorization stops the authorization to make future PAD withdrawals in accordance with applicable payment rules; it does not, by itself, cancel the underlying agreement or eliminate amounts otherwise validly owing under it.

Alternative payment arrangements may therefore be required where an underlying payment obligation remains.

10. Failed or Deferred Payments

If a scheduled payment cannot be completed, Instant Financial may contact you regarding the payment and available payment arrangements.

Any deferral fee, rescheduling fee, or other charge must be expressly disclosed in and authorized by the applicable Program Agreement and must comply with applicable law.

A failed payment does not automatically accelerate all future program payments unless the applicable Program Agreement expressly and lawfully provides otherwise.

11. Cancellation

Cancellation rights are governed by your Program Agreement, any cancellation policy disclosed before enrollment, and applicable consumer protection law.

12. Refunds

Except where a refund is required by applicable law or expressly provided by the applicable Program Agreement, amounts paid for educational content or services that have been delivered or made available are not refundable.

Any specific refund or cancellation policy applicable to your program will be disclosed before enrollment and forms part of the transaction.

13. Access to Program Materials

Access to program materials is personal to the member. You may not sell, reproduce, distribute, publish, sublicense, share, or commercially exploit Instant Academy materials without written authorization.

14. Account Information

You agree to provide accurate information reasonably required to administer your enrollment. You must not knowingly provide false or misleading identity, payment, banking, or account information.

15. Verification

Instant Financial may perform reasonable verification necessary to administer enrollment, prevent fraud, confirm payment information, establish eligibility for a program benefit, or comply with legal requirements.

Where consent is legally required for a particular verification or disclosure, we will obtain it.

16. Suspension

We may suspend access where reasonably necessary because of suspected fraud, unauthorized account use, security concerns, material misuse of Instant Academy, material breach of these Terms, or legal or regulatory requirements.

Suspension does not remove rights or obligations that accrued before suspension.

17. Communications

You agree that Instant Financial may send operational communications relating to your enrollment, account, payments, security, educational access, or program administration.

Promotional electronic communications are subject to applicable consent and unsubscribe requirements.

18. Intellectual Property

All Instant Academy educational materials remain the property of Instant Financial or its licensors. Enrollment gives you a limited, personal right to use the materials for your own educational purposes.

19. No Transfer

You may not transfer your membership, account, cashback eligibility, or access credentials to another person without our written authorization.

20. Service Changes

Instant Financial may improve, replace, or update educational content and platform functionality. Any material change affecting an existing consumer’s contractual rights or payment obligations will be handled in accordance with the Program Agreement and applicable law.

21. Liability

Instant Financial is responsible for performing its obligations under the applicable agreement and applicable law.

To the maximum extent permitted by law, Instant Financial is not responsible for financial decisions made independently by a member based solely on general educational information or for indirect losses arising from circumstances outside Instant Financial’s reasonable control.

Nothing in these Terms excludes liability or consumer rights that cannot lawfully be excluded.

22. Complaints and Disputes

Members should first contact Instant Financial so we can attempt to address account, program, payment, or service concerns.

Nothing in this section prevents a consumer from exercising rights available under applicable law or contacting an applicable regulator or consumer-protection authority.

23. Governing Law

These Terms of Service and the applicable Program Agreement are governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein, subject to any mandatory consumer-protection or conflict-of-law provisions that apply.

24. Entire Agreement

For a member’s particular program, the applicable contractual documents may include the Program Agreement, these Terms of Service, the PAD authorization where applicable, the Privacy Policy, mandatory disclosures provided during enrollment, and other documents expressly incorporated into the Program Agreement.

If there is a conflict concerning program-specific pricing, cashback, payment dates, or other program-specific terms, the signed or electronically accepted Program Agreement governs to the extent permitted by law.

25. Severability

If any provision is found invalid or unenforceable, the remaining provisions continue to apply to the extent permitted by law.

26. No Waiver of Statutory Rights

Nothing in these Terms is intended to waive or restrict a consumer right or remedy that cannot legally be waived.

27. Contact