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Terms & Policies

Terms & Conditions

Last updated: June 2025

Welcome to Prosperities Inc.

By accessing this website or participating in any of our services—including coaching, workshops, courses, or digital resources—you agree to the terms outlined below.

1. Who We Are

Prosperities Inc. is a Canadian-based social enterprise offering financial literacy education, one-on-one and group coaching, workshops, and digital learning experiences. Our services are designed to build financial clarity, capacity, and calm—particularly for women, immigrants, families, and entrepreneurs.

2. Eligibility

Our services are intended primarly for individuals 18 years of age or older. Some of our services are designed for youth, including secondary school students. If you are under the age of 18, you must have permission from a parent or legal guardian to access our services, participate in programs, or share any personal information. By using our website, you confirm that you meet this requirement and that all information you provide is accurate and truthful.

3. Services and Content

Prosperities Inc. offers educational content and personalized guidance and navigation. We do not offer licensed financial, legal, or tax advice. You are responsible for your financial decisions, and we strongly encourage you to seek licensed professionals for regulated services.

4. Payments, Cancellations, and Refunds

Payment is required at the time of booking for all coaching sessions, workshops, and paid courses. Cancellations must be made at least 48 hours in advance for a partial refund or credit. No-shows or late cancellations may forfeit payment. We reserve the right to offer refunds at our discretion.

5. Intellectual Property

All materials—videos, tools, visuals, written content, frameworks, and course content—are the intellectual property of Prosperities Inc. You may not copy, distribute, or reuse them without express permission.

6. Changes to Services

We may modify or discontinue any part of the site or services at any time. We aim to communicate changes clearly, but you agree that continued use implies acceptance of updates.

7. Suspension and Termination

We reserve the right to suspend or terminate access to our services for violations of these terms, including abuse, harassment, or fraudulent activity.

8. Limitation of Liability

We are not liable for any losses, damages, or unintended consequences resulting from the use or misuse of our content or services. All decisions made based on our content are made at your own discretion.

9. Governing Law

These Terms are governed by the laws of the Province of Ontario, Canada.

10. Contact

If you have questions about these terms, please contact: fayza@prosperities.ca

Privacy Policy

Last updated: June 2025

Prosperities Inc. is committed to protecting your privacy. This policy explains how we collect, use, store, and protect your personal information.

1. What We Collect

We may collect the following information:

  • Your name and email address (e.g., through forms, bookings, or newsletter sign-ups)

  • Information you provide during coaching or workshop registration

  • Payment details (handled securely through third-party processors)

  • Site usage data (via cookies or analytics tools)

2. How We Use It

We use your data to:

  • Deliver services and respond to inquiries

  • Send confirmations, updates, and occasional newsletters

  • Understand how our website is used and improve content and user experience

  • Comply with any legal obligations

We do not sell or trade your personal data.

3. Who Has Access

Only trusted staff and service providers (such as payment platforms or email systems) have access to your data, and only for purposes related to delivering services.

4. How We Protect It

We use SSL encryption, secure hosting, and password-protected systems to store and manage data responsibly.

5. Your Rights

You may request access to your data, ask us to correct or delete it, or unsubscribe from any communications at any time.

6. Children

We are committed to protecting the privacy of all our users, including minors. Some of our programming may serve secondary school students (typically under 18 years old).

We do not knowingly collect personal information from anyone under the age of 13 without verified parental consent. If you are between 13 and 17 years old, we may require parent/guardian permission to access certain services.

We encourage parents and educators to engage with our resources alongside youth participants and to contact us if they have any concerns about how information is collected or used.

7. Contact

For questions or data requests, please contact: fayza@prosperities.ca

Cookie Policy

Last updated: June 2025

What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They help improve your experience and allow us to understand how our website is used.

Types of Cookies We Use:

  • Essential cookies: Needed for basic site functionality (e.g., forms, session handling)

  • Performance cookies: Track site usage (e.g., Google Analytics)

  • Functional cookies: Help remember your preferences

  • Third-party cookies: From services we use (e.g., email signup forms or embedded videos)

Why We Use Them

Cookies help us:

  • Analyze site traffic and user behavior

  • Improve website design and navigation

  • Deliver more relevant content

  • Save your preferences for future visits

Managing Cookies

You can change your browser settings to delete or block cookies at any time. Disabling cookies may affect how the website functions.

By continuing to use this site, you consent to our use of cookies as outlined above.

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