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Terms & Conditions
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 5β10 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 below 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 2β3 business days.
Financial Disclaimer
Important Notice β Please Read
GrowthWallet provides educational content only. Nothing on this website, in our courses, or within our tools constitutes professional financial, tax, legal, or investment advice. Always consult a qualified professional before making financial decisions.
Educational Purpose Only
All content published by GrowthWallet β including courses, calculators, articles, videos, social media content, email communications, and all other materials β is provided for general educational and informational purposes only.
The content is designed to help digital creators understand financial concepts relevant to variable income. It is not tailored to any individual's specific financial situation, goals, income level, tax status, or jurisdiction.
Not Professional Advice
GrowthWallet is not, and does not claim to be:
- A registered financial advisor or investment advisor
- A licensed tax professional or accountant (CPA, CGA, CA, or equivalent)
- A licensed attorney or legal counsel
- An insurance advisor or broker
- A registered dealer or portfolio manager
Nothing on this site should be construed as a solicitation or recommendation to buy, sell, or hold any financial instrument or security.
Calculator and Tool Outputs
GrowthWallet's calculators and tools β including the Income Tracker, Cash Flow Calculator, Platform Risk Score, Brand Deal Rate Calculator, Operating Fund Calculator, and Content ROI Calculator β produce estimates based on user-entered data and simplified assumptions only.
These outputs are not guaranteed to be accurate, do not account for all variables, should not be the sole basis for any financial decision, may not reflect current tax rates or platform policies, and are illustrative tools only β not professional assessments or forecasts.
Tax Information
Any tax-related information provided by GrowthWallet β including percentages, rates, deadlines, deduction categories, or strategies β is general in nature and based on publicly available information at the time of writing. Tax laws vary significantly by country, province, and state, and change frequently.
Always consult a qualified tax professional or accountant licensed in your jurisdiction before making any tax-related decisions.
No Guarantee of Results
Any case studies, creator personas, income examples, or financial scenarios presented in GrowthWallet's content are for illustrative purposes only. They are based on composite or hypothetical situations and are not guarantees of what any individual will achieve.
Individual results will vary based on income level, platform, discipline, market conditions, expenses, and personal financial decisions. Past or hypothetical results do not guarantee future outcomes.
Third-Party References
GrowthWallet may reference third-party platforms, financial institutions, tools, or services for illustrative purposes only. Such references do not constitute endorsement or recommendation. GrowthWallet is not responsible for the accuracy, availability, or policies of any third-party service.
Seek Professional Guidance
Before making any financial, investment, tax, or legal decision, consult a qualified professional licensed in your jurisdiction, including:
- A Certified Financial Planner (CFP) for financial planning decisions
- A Chartered Professional Accountant (CPA) or equivalent for tax matters
- A licensed attorney for legal and estate planning questions
- A licensed insurance broker for coverage decisions
Limitation of Liability
To the fullest extent permitted by applicable law, GrowthWallet shall not be liable for any financial loss, damages, penalties, taxes owing, missed opportunities, or other harm arising from your use of or reliance on any content, tool, calculator, course material, or other resource provided by GrowthWallet.
By using this site and its resources, you acknowledge and accept this disclaimer in full.
Privacy Policy
Who We Are
GrowthWallet is a sole proprietorship operating at growthwallet.io, offering digital financial education products and tools for online creators. We are the data controller for personal information collected through this site.
Contact: hello@growthwallet.io
Information We Collect
Information You Provide Directly
- Account and purchase information: name, email address, billing address, and payment details when you purchase a product
- Communications: any information you send us via email or contact forms
- Calculator inputs: data you enter into our financial tools (not stored on our servers unless you explicitly save it)
Information Collected Automatically
- Usage data: pages visited, time on site, referring URLs, browser type, device type, and IP address
- Cookies and tracking: used for site functionality, analytics, and improving user experience
Information from Third Parties
- Payment processors (Stripe, PayPal) may share transaction confirmation data. We do not store full card numbers or sensitive payment credentials.
How We Use Your Information
- Process and fulfill purchases and deliver digital products
- Send order confirmations, receipts, and customer support communications
- Send educational content, product updates, and marketing emails (unsubscribe anytime)
- Improve our website, tools, and course content
- Comply with legal obligations and prevent fraud
We will never sell, rent, or trade your personal data to third parties for their marketing purposes.
Legal Basis for Processing (PIPEDA)
As a Canadian business, we operate in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA). We process your data based on:
- Consent: provided when you purchase, sign up, or use our tools
- Contractual necessity: to deliver the products and services you purchase
- Legitimate interests: improving services, preventing fraud, customer communications
- Legal obligation: where required by applicable law
You may withdraw consent at any time by contacting hello@growthwallet.io.
Cookies and Tracking
- Essential cookies: required for checkout and session management
- Analytics cookies: help us understand site usage (e.g., Google Analytics)
- Marketing cookies: used to track campaign performance and retargeting
You can control cookies through your browser settings. Disabling certain cookies may affect site functionality.
Data Sharing
We share your data only with:
- Payment processors: Stripe and PayPal (governed by their own privacy policies)
- Email service providers: to send emails and manage subscriber lists
- Course platforms: systeme.io for course delivery and access management
- Legal authorities: if required by law, court order, or regulatory requirement
All third-party providers are required to handle your data in compliance with applicable privacy laws.
Data Retention
- Purchase records: minimum 7 years for tax and accounting compliance
- Email subscriber data: until you unsubscribe or request deletion
- Account data: until deletion is requested, subject to legal obligations
Your Rights
Under PIPEDA, you have the right to:
- Access: request a copy of the personal information we hold about you
- Correction: request correction of inaccurate information
- Withdrawal of consent: withdraw consent for processing at any time
- Deletion: request deletion of your data, subject to legal requirements
- Complaint: file a complaint with the Office of the Privacy Commissioner of Canada
To exercise any right, contact hello@growthwallet.io. We respond within 30 days.
Data Security
We implement reasonable technical and organizational measures to protect your data, including SSL/TLS encryption, secure access-controlled storage, and PCI-compliant payment processors. We do not store raw payment card data. No method of electronic storage is 100% secure.
Children's Privacy
GrowthWallet's products are not directed at individuals under 18. We do not knowingly collect data from minors. Contact hello@growthwallet.io immediately if you believe a minor has submitted personal information.
International Transfers
GrowthWallet is based in Canada. Some third-party providers may process data outside Canada. By using our services, you acknowledge that your data may be transferred internationally. We take reasonable steps to ensure such transfers comply with applicable law.
Changes to This Policy
We may update this Privacy Policy periodically. When we do, we will update the "Last updated" date above. For significant changes, we will notify you via email or a prominent site notice.
Contact Us
GrowthWallet β Privacy Inquiries
Email: hello@growthwallet.io
Website: growthwallet.io
We respond to all privacy requests within 30 days.