Terms of Use

1. Who we are

These terms govern your use of regalinvestments.ca and the services offered through it (the "Platform"), operated by Regal Investments ("we", "us"). By creating an account or using the Platform you agree to them. If you do not agree, please do not use the Platform.

2. What the Platform is

The Platform provides investment education, research, information, software tools, community features and professional services. It is a general, informational and educational service.

3. What the Platform is not

This matters more than anything else here, so we will be direct.

• Nothing on the Platform is investment, legal, accounting or tax advice.
• Nothing on the Platform is a recommendation to buy, sell or hold any security.
• Nothing on the Platform is tailored to your personal circumstances, objectives, financial situation or needs.
• We do not act as your portfolio manager, dealer, adviser or fiduciary through the Platform.
• We do not accept, pool, hold or manage member money through the Platform. The simulated fund uses virtual capital only.

If you want advice about your own situation, speak to an appropriately registered or licensed professional in your jurisdiction.

4. Your account

You are responsible for keeping your credentials confidential and for everything done under your account. Tell us promptly if you believe your account has been accessed by someone else. You must give accurate information when you register and keep it current. One account per person; accounts may not be shared, resold or transferred.

5. Acceptable use

You agree not to:

• share, republish or resell Platform content, data or materials outside your own use
• scrape, crawl or bulk-extract content or data
• attempt to bypass access controls, paywalls or security measures
• upload malware, or attempt to disrupt, overload or probe the service
• use the Platform to give personalised investment advice to other members
• impersonate anyone, or misrepresent your eligibility, credentials or affiliation
• use the Platform for anything unlawful in your jurisdiction or ours

We may suspend or close an account that breaches these terms.

6. Membership, payment and cancellation

Paid memberships renew automatically at the interval shown at checkout until you cancel. Crypto subscriptions are invoiced each period rather than charged automatically; access continues while the current period is paid.

You may cancel at any time from your billing page. Cancellation takes effect at the end of the period you have already paid for. We do not pro-rate or refund partial periods.

Payments are processed by PayPal and by NOWPayments. We do not receive or store your card details or wallet keys. Their terms apply to the payment itself.

Prices may change; we will give notice before a change affects a renewal.

7. Refunds

One-off purchases may be refunded within 14 days of purchase if you have completed less than 20% of the material, unless local law gives you a broader right. Cryptocurrency payments are refunded in the same currency at the rate prevailing at the time of refund, and network fees are not recoverable. Subscriptions are not refunded for periods already elapsed.

8. Content and intellectual property

Blueprints, research, data, software, designs and other Platform materials belong to us or our licensors. Your membership grants you a personal, non-exclusive, non-transferable licence to use them for your own learning and work while your membership is active.

Anything you post — notes, research, memos, discussion — remains yours. You grant us a licence to host, display and distribute it on the Platform for the purpose of operating the service.

9. Private capital

The private-capital side of our business is separate from the Platform and is not governed by these terms. Nothing on the Platform is an offer or solicitation in respect of any private-market opportunity. Filing an access request creates no relationship and confers no entitlement.

10. Disclaimers and liability

The Platform is provided "as is". We do not warrant that content is complete, current or error-free, or that the service will be uninterrupted.

Investing involves risk, including the loss of principal. Past performance does not indicate future results. Simulated and hypothetical results carry inherent limitations and do not reflect actual trading.

To the fullest extent the law allows, we are not liable for indirect, incidental, special or consequential losses, or for lost profits or investment losses. Our total liability in connection with the Platform is limited to the amount you paid us in the twelve months before the claim. Nothing here limits liability that cannot be limited by law.

11. Changes

We may update these terms. Material changes will be notified through the Platform or by email. Continuing to use the Platform after a change means you accept it.

12. Governing law

These terms are governed by the laws of the Province of Québec and the federal laws of Canada applicable there. The courts of Québec have jurisdiction, without prejudice to any mandatory consumer protections available to you where you live.

13. Contact

ir@regalinvestments.ca