This Agreement was last modified on July 15, 2020.

Please read these Terms of Service (“Agreement”, “Terms of Service”) carefully before using this website (“the Site”). This Agreement sets forth the legally binding terms and conditions for your use of the Site.

By accessing or using the Site in any manner, including, but not limited to, visiting or browsing the Site or contributing content or other materials to the Site, you agree to be bound by these Terms of Service. Capitalized terms are defined in this Agreement.

Intellectual Property

The Site and its original content, features and functionality are owned by us and are protected by international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

Termination

We may terminate your access to the Site, without cause or notice, which may result in the forfeiture and destruction of all information associated with you. All provisions of this Agreement that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Links To Other Sites

Our Site may contain links to third-party sites that are not owned or controlled by us. The Site has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party sites or services. We strongly advise you to read the terms and conditions and privacy policy of any third-party site that you visit.

Governing Law

This Agreement (and any further rules, polices, or guidelines incorporated by reference) shall be governed and construed in accordance with the laws of California, United States, without giving effect to any principles of conflicts of law.

Changes To This Agreement

We reserve the right, at our sole discretion, to modify or replace these Terms of Service by posting the updated terms on the Site. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms of Service.

Please review this Agreement periodically for changes. If you do not agree to any of this Agreement or any changes to this Agreement, do not use, access or continue to access the Site or discontinue any use of the Site immediately.

Contact Us

If you have any questions about this agreement, please contact us.

Update on 8 September 2024

General conditions of sale (Communikations dba. Healthy Wallet)

Article 1: Scope of application

These general conditions of sale apply to all transactions concluded through the websites of the Communikations (dba. Healthy Wallet) network. Is considered as "client" any natural or legal person making with the company Communikations (dba. Healthy Wallet) an order validated via our secure payment platform, or by check (cheque) or cash.

Article 1a: Age limit

Age restrictions apply: The company Communikations (dba. Healthy Wallet) only accepts clients over 16 years old for physical and electronic products, and over 18 years old for services (coaching, workshops, seminars). We do our best to restrict access to our sites, products and services to minors. Even if the content of our products and services is not of a shocking nature, we prefer to target a mature audience capable of understanding the implications and responsibilities of the business world. Any subscriber to the newsletter who does not meet these criteria (age over 16) will be immediately deleted from our database as soon as this is brought to our attention. Likewise, any customer who does not meet these criteria will be immediately reimbursed and a return of the product(s) concerned will be required.

Article 2: Order

Any order placed on a site belonging to the company Communikations (dba. Healthy Wallet) implies full and unreserved acceptance of these general conditions of sale.

Article 3: Price

The prices are indicated in USD all taxes included, excluding shipping and processing of your order. The price of items can be changed at any time. However, the price applied to an order will be that announced at the time of the order.

Article 4: Payment

Payment is due immediately on the date of the order, including for pre-order products. If you select a payment plan option, you much complete all plan payments as agreed at time of purchase. You can pay by credit card. Cards issued by banks must be international bank cards (Mastercard or Visa). We do not accept American Express. Secure online payment by credit card is made through the company Stripe. The information transmitted is encrypted by software in the rules of the art and cannot be read during transport over the network. Any guarantee as to the security of this system is entirely the responsibility of the company Stripe and cannot be attributed to us.

Select purchases may also be made through Paypal, if available.

Article 5: Delivery

Our products and services are delivered electronically through the internet, unless otherwise specified. For physical items to be shipped, delivery is made to the address you specified when placing your order (therefore, pay particular attention to the spelling of the address you enter and especially the postal code). The risks will be your responsibility from the date on which the ordered products have left our premises. However, in the event of a lost package, we will do everything necessary so that you still receive your product or that you are reimbursed according to your warranty.

Article 6: Protection of personal data

In accordance with the Data Protection Act of 6 January 1978, you have the right to access and rectify personal data concerning you. We declare all of our files to the National Commission for Data Protection. By adhering to these general conditions of sale, you acknowledge having read our personal data protection policy and consent to our collection and use of this data. By entering your email address on one of our network sites, you will receive emails containing information and / or promotional offers concerning products published by the company Communikations (dba. Healthy Wallet) or by other partners.

You can unsubscribe at any time. You just have to click on the link at the end of our emails. This link is preceded by the words “To unsubscribe or change subscriber options visit:” (understand: to unsubscribe or change your registration options, click below).

We do not rent or sell your personal information. As we are based in Canada, we follow CASL regulations. CASL is the Canadian Anti-Spam Legislation.

Article 7: Company information for Communikations (dba. Healthy Wallet)

Communikations (dba. Healthy Wallet)

PO BOX 99900 HD 670 479

Ajax, ON L1T 0M1

Canada

Sales tax number: HST #: 868615436RT0001