About GrowthWallet

GrowthWallet ("we," "us," "our") is a sole proprietorship operating under the brand name GrowthWallet and accessible at growthwallet.io. We offer digital financial education products, tools, and calculators designed for digital creators and online earners.

For questions regarding these terms, contact us at hello@growthwallet.io.

Acceptance of Terms

By accessing growthwallet.io, purchasing a product, using any calculator or tool, enrolling in any course, or subscribing to any content, you confirm that:

• You are at least 18 years of age or the age of majority in your jurisdiction.
• You have read, understood, and agree to be bound by these Terms and Conditions.
• You agree to our Privacy Policy, which is incorporated herein by reference.

We reserve the right to modify these terms at any time. Continued use of the site following any updates constitutes acceptance of the revised terms.

Not Financial, Legal, or Tax Advice

All content, courses, calculators, tools, articles, videos, and communications provided by GrowthWallet are for general educational and informational purposes only. Nothing on this site or in any GrowthWallet product constitutes:

• Financial advice or investment advice
• Legal advice
• Tax advice or accounting advice
• Insurance advice
• A recommendation to buy, sell, or hold any financial product

GrowthWallet is not a registered financial advisor, investment advisor, tax professional, accountant, or lawyer. Always consult a qualified and licensed professional before making any financial, tax, or legal decisions.

Products and Services

Digital Courses

GrowthWallet offers self-paced digital courses, including The Creator's Financial Playbook. Upon purchase, you receive a non-exclusive, non-transferable license to access and use the course materials for personal, non-commercial use only.

Calculators and Tools

GrowthWallet offers digital financial calculators and tools for educational purposes only. Outputs are estimates based on user-entered data and should not be relied upon as accurate financial projections or professional advice.

Access and Delivery

Digital products are delivered electronically. Access is granted upon confirmation of payment. You are responsible for maintaining access to your account credentials.

Payments and Pricing

All prices are listed in Canadian Dollars (CAD) unless otherwise stated. GrowthWallet processes payments through Stripe, PayPal, and direct website checkout. By completing a purchase, you authorize the applicable payment processor to charge the stated amount to your selected payment method.

We are not responsible for any additional fees, currency conversion charges, or taxes applied by your bank, credit card provider, or payment processor. Prices are subject to change at any time without notice.

Refund Policy

If you are not satisfied with your purchase for any reason, you may request a full refund within 90 days of your original purchase date. Contact us at hello@growthwallet.io with your order details. Refunds will be issued to the original payment method within 5–10 business days.

Refunds are not available after the 90-day window, for free tools or resources, or where there is evidence of policy abuse or fraud.

Intellectual Property

All GrowthWallet content is protected under applicable copyright and intellectual property laws. Your purchase grants a limited, personal, non-commercial license. You may not:

• Copy, reproduce, or distribute any course content
• Share account credentials or provide access to third parties
• Use content to create derivative works or competing products
• Screen record or capture course materials for distribution
• Resell, sublicense, or commercially exploit any GrowthWallet content

Violations may result in immediate access termination without refund and may be subject to legal action.

User Conduct

By using this site, you agree not to use it for unlawful purposes, attempt unauthorized access, transmit harmful content, misrepresent your identity, interfere with site security, or use automated tools to scrape data.

Disclaimer of Warranties

GrowthWallet's products and content are provided on an "as is" and "as available" basis without warranties of any kind. We do not warrant that content is accurate or complete, the site will be uninterrupted, or that any specific financial outcome will result from using our products.

Limitation of Liability

To the maximum extent permitted by applicable law, GrowthWallet shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this site, any financial decisions made based on our content, or any matter beyond our reasonable control. Our total liability shall not exceed the amount you paid for the specific product giving rise to the claim.

Third-Party Links and Services

This site may contain links to third-party websites or services for convenience only. GrowthWallet does not endorse or assume responsibility for any third-party content or services. Your use of Stripe and PayPal is governed by their respective terms and privacy policies.

Privacy

Your use of this site is governed by our Privacy Policy, available at growthwallet.io/privacy. We collect personal information only as necessary to provide our services and will never sell your data to third parties.

Governing Law

These Terms are governed by the laws of Canada. Any disputes shall first be addressed through good-faith negotiation via hello@growthwallet.io, and if unresolved, subject to the jurisdiction of applicable Canadian courts.

Severability & Entire Agreement

If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect. These Terms, together with our Privacy Policy and Financial Disclaimer, constitute the entire agreement between you and GrowthWallet.

Contact Us

GrowthWallet
Email: hello@growthwallet.io
Website: growthwallet.io

We respond to all inquiries within 2–3 business days.