Terms & Conditions

1. Acceptance

By accessing or using the website, you agree to these Terms & Conditions.

If you enroll in an Instant Financial program, your enrollment and use of that program are also governed by the applicable Terms of Service, Program Agreement, payment authorization, and other disclosures presented during enrollment.

If there is a conflict concerning a specific program, the applicable Program Agreement governs that program to the extent of the conflict, subject to applicable law.

2. About Instant Financial

Instant Financial provides financial education programs and access to educational content through Instant Academy. Eligible programs may include promotional cashback as a program benefit.

Program availability, pricing, duration, payment schedules, cashback amounts, eligibility requirements, and other conditions may vary and will be disclosed before enrollment.

3. Educational Information

Content provided through the website and Instant Academy is intended for general educational and informational purposes.

Instant Financial does not provide individualized financial, investment, tax, accounting, legal, credit-repair, or other professional advice through general website content. Educational examples are illustrative and may not reflect your individual circumstances.

4. No Guaranteed Financial Outcome

Completing educational content or participating in an Instant Financial program does not guarantee an improvement in your credit score, approval for credit, debt reduction, investment returns, savings, increased income, or any other particular financial result. Individual circumstances and results vary.

5. Promotional Cashback

Certain Instant Financial programs may include promotional cashback. The applicable cashback amount and relevant conditions are disclosed with the program before enrollment.

Promotional cashback is governed by the applicable program terms and should not be interpreted independently of those terms.

6. Website Information

We attempt to keep information on the website accurate and current. However, program availability, content, features, and promotional offerings may change.

The terms actually presented to and accepted by you during enrollment govern your specific program. Nothing in these Terms permits Instant Financial to disregard a completed consumer contract or any rights you have under applicable law.

7. Accounts

Certain features require an account. You are responsible for maintaining the confidentiality of your login credentials and for activity occurring through your account.

You must provide accurate information and update information where reasonably necessary. You may not impersonate another person, create an account using unauthorized information, or allow unauthorized persons to use your account.

8. Acceptable Use

You may not use the website to:

• violate applicable law;
• commit fraud or misrepresentation;
• interfere with website security;
• introduce malware or malicious code;
• attempt unauthorized access to systems or accounts;
• scrape or systematically extract protected content without authorization;
• reproduce protected course material except as expressly permitted; or
• use Instant Financial intellectual property for unauthorized commercial purposes.

9. Intellectual Property

The website, Instant Academy, course materials, graphics, branding, logos, software, written materials, videos, and other content are owned by or licensed to Instant Financial and are protected by applicable intellectual-property laws.

Enrollment provides a personal, limited, non-exclusive, non-transferable right to access applicable educational content for its intended purpose. It does not transfer ownership of the content or intellectual property.

10. Third-Party Services

Our website may use or link to third-party services. Instant Financial is not responsible for the content, availability, policies, or independent conduct of third-party websites or services, except to the extent responsibility cannot legally be excluded.

11. Availability

We may perform maintenance or modify website functionality. We do not guarantee that the website will operate uninterrupted or error-free at all times.

12. Privacy

Personal information is handled according to our Privacy Policy and applicable law.

13. Disclaimer and Limitation of Liability

To the maximum extent permitted by applicable law, Instant Financial is not liable for indirect, incidental, special, or consequential losses resulting solely from use of general educational website content.

Nothing in these Terms excludes, restricts, or waives rights or remedies that cannot legally be excluded or waived under applicable consumer protection or other legislation.

14. Indemnification

To the extent permitted by law, you agree to be responsible for losses reasonably resulting from your unlawful use of the website, fraud, intentional misconduct, or material violation of these Terms.

15. Changes

We may update these website Terms & Conditions prospectively. The version displayed on the website will indicate its effective date.

Changes to website terms do not retroactively alter a completed Program Agreement unless permitted by that agreement and applicable law.

16. Governing Law

These Terms are governed by the laws of the Province of Quebec and the federal laws of Canada applicable in Quebec, subject to mandatory consumer protection and conflict-of-law rules that apply to you.

17. Contact