Effective Date: September 1, 2025 - Updated

Welcome to DrDLearn, EdVisingU, EdVersityU, CrediVersity, and affiliated brands (“Company,” “we,” “us,” or “our”). By accessing or purchasing from our websites, products, or services, you agree to the following Terms & Conditions.

1. Acceptance of Terms

By using our websites, platforms, or services, you agree to comply with and be bound by these Terms & Conditions, our Privacy Policy, and all applicable laws and regulations. If you do not agree, discontinue use immediately.

2. Independent Business Activity

• All products, services, and communications are provided in an independent entrepreneurial capacity.
• Nothing on our platforms creates, implies, or confirms any employment, workplace, or institutional relationship.
• Use of our services does not entitle any user to workplace insurance, employment benefits, or institutional protections.

3. Products & Services

• We offer digital downloads, courses, memberships, merchandise, and educational resources.
• All products are for educational and informational purposes only.
• We reserve the right to modify, suspend, or discontinue any product or service at any time without liability.

4. No Professional Advice

• Nothing provided through our platforms constitutes legal, financial, medical, educational, or other professional advice.
• You should consult a qualified professional before making any decisions based on our content or services.

5. Payments & Refunds

• All sales are final unless otherwise specified.
• Refunds may be granted solely at the Company’s discretion.
• You are responsible for ensuring accurate billing information at the time of purchase.

6. Intellectual Property

• All content, branding, logos, graphics, and materials are the intellectual property of the Company.
• You may not copy, reproduce, distribute, or create derivative works without written consent.
• Limited personal, non-transferable use is granted for purchased products.

7. User Responsibilities

• By using our services, you agree not to:
• Engage in unlawful or fraudulent activity.
• Misrepresent your identity or affiliation.
• Resell, redistribute, or exploit our products without authorization.

8. Disclaimer of Warranties

• All products and services are provided “as is” and “as available.”
• We make no guarantees regarding results, accuracy, or completeness.
• Use of our services is at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law:

• The Company, its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, or consequential damages.
• This includes financial loss, business interruption, data loss, or claims arising from use or misuse of our services.

10. Legal Protections & Non-Admissibility

• All content and communications are provided on a without prejudice basis.
• They shall not be construed as admissions of liability, employment, or workplace obligations.
• Nothing herein waives or limits the Company’s rights or remedies in any separate or ongoing legal, workplace, or insurance dispute.

11. Indemnification

• You agree to indemnify, defend, and hold harmless the Company, its owners, employees, and affiliates from any claims, liabilities, damages, or expenses (including legal fees) arising from:
• Your use of our products or services.
• Any attempt by third parties to attribute employment, workplace, or insurance obligations to our independent business activities.

Violation of these Terms & Conditions.

12. Governing Law

These Terms are governed by the laws of Ontario, Canada, and any disputes shall be resolved exclusively in the courts of Ontario.

13. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. Updates are effective immediately upon posting. Continued use of our services after changes constitutes acceptance.

14. Contact

For questions regarding these Terms, contact us at:

 📧andre@edvisingu.ca