These Terms and Conditions (the “Terms”) govern your access to and use of the Investment Coaching for Humans website, coaching, analytics, research, templates, reports, and related services (collectively, the “Services”).
The Services are provided by Cognizantly, Inc., a corporation incorporated under the Canada Business Corporations Act (“Cognizantly,” “we,” “us,” or “our”), operating under the name Investment Coaching for Humans.
Our business contact address is:
By purchasing, booking, accessing, or using the Services, you agree to these Terms. If you do not agree, do not use the Services.
You must be at least 19 years old and legally capable of entering into a binding agreement to use the Services.
If you use the Services on behalf of a business or other organization, you represent that you have authority to bind that organization to these Terms. Professional, enterprise, and other business clients may be required to enter into a separate written agreement. If a signed agreement conflicts with these Terms, the signed agreement controls to the extent of the conflict.
The Services may include:
The precise scope, timing, and deliverables for a purchase will be described on the applicable checkout page, booking page, order confirmation, or separate written agreement.
You are responsible for providing complete and accurate information reasonably required to perform the Services. Our analytics and reports may be incomplete or inaccurate if the information you provide is incomplete or inaccurate.
Cognizantly is not registered as an investment adviser, investment counsel, portfolio manager, dealer, broker, or financial planner in Canada or the United States. The Services do not include managing your assets, executing transactions, maintaining custody of assets, or providing individualized recommendations to buy, sell, or hold a particular security.
The Services are intended for general informational, educational, analytical, and coaching purposes. They are not investment, securities, legal, accounting, tax, or other regulated professional advice. Research concerning markets, securities, asset classes, or macroeconomic events is general or impersonal research and is not a recommendation tailored to your circumstances.
Any analysis of your historical trading or portfolio information describes past information and behaviour. It does not predict future performance or constitute a recommendation about any current or future investment.
You remain solely responsible for:
Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. We do not guarantee any investment result, financial outcome, return, risk reduction, or improvement in decision-making.
Nothing in the Services creates a fiduciary, advisory, brokerage, agency, partnership, or trustee relationship between you and Cognizantly.
Prices are displayed in the currency identified at checkout. Unless otherwise stated, current offerings include:
You authorize us and our payment processor to charge the payment method you provide for the purchase price, applicable taxes, and any recurring fees disclosed at checkout.
Prices do not include applicable sales, use, value-added, GST, HST, PST, or similar taxes unless expressly stated. You are responsible for taxes properly chargeable on your purchase.
We may correct pricing or description errors before providing the affected Service. We will give you the option to accept a corrected price or receive a refund if payment has already been processed.
The monthly program automatically renews each month until cancelled. By purchasing it, you expressly authorize us to charge the then-current monthly fee and applicable taxes to your payment method at the beginning of each billing cycle without requiring further approval.
You may cancel by emailing experience@profofwallstreet.com. Unless mandatory law requires otherwise:
We will disclose the recurring price, billing frequency, material program terms, and cancellation method at checkout. We will provide renewal or price-change notices where required by applicable law.
You may cancel or reschedule a single session without charge by giving at least 48 hours’ notice before its scheduled start time. If a session is cancelled at least 48 hours in advance, we will refund the session fee to the original payment method.
Cancellations or rescheduling requests made less than 48 hours before the scheduled start time, and failures to attend, are charged in full.
Appointments included in a monthly program must also be cancelled or rescheduled at least 48 hours in advance. A late-cancelled or missed appointment is treated as used and is not replaced or credited unless we agree otherwise.
As a limited first-month exception, you may request a full refund within seven days after your first monthly charge if you have not attended or used any session and no report, research, analytics, or other substantive deliverable has been provided to you.
Paid research, completed analytics, customized materials, and other digital deliverables are non-refundable once delivered or made available to you, except where applicable law requires otherwise.
Unless otherwise stated at purchase or prohibited by law, prepaid sessions expire 12 months after purchase. Expiry periods may be extended where required by applicable gift-card, prepaid-purchase, consumer-protection, or other mandatory laws.
If we cancel a session, we will offer to reschedule it or refund the amount paid for that session. We are not responsible for travel, lost opportunity, or other indirect costs caused by cancellation.
These rules are subject to any non-waivable cancellation, refund, cooling-off, or distance-sales rights that apply in your jurisdiction.
You may provide historical trading data, portfolio information, questionnaire responses, documents, messages, and other materials (“Client Materials”).
You retain ownership of your Client Materials. You grant Cognizantly a non-exclusive, worldwide, royalty-free licence to host, copy, process, analyze, reproduce, and otherwise use Client Materials as reasonably necessary to:
You represent that you have the right to provide the Client Materials and permit this use. You must not provide information belonging to another person unless you have lawful authority and any required consent to do so.
Any use of de-identified or aggregated information for research, service improvement, or product development will be governed by our Privacy Policy and applicable law. We will not represent de-identified information as relating to you.
Our collection, use, disclosure, retention, and protection of personal information are governed by our Privacy Policy.
We use third-party providers that may include Stripe, Calendly, Zoom, Mailchimp, and HubSpot. Your information may be processed by those providers, including in countries outside your province, state, or country, subject to applicable law and their own terms and privacy practices.
We do not record coaching sessions, and we do not use Zoom AI Companion during sessions. You may not record a session without our prior written consent and the consent of every participant.
AI processing: We may use Claude by Anthropic to assist with analysis, drafting, and related service delivery. We will submit identifiable client information to Anthropic only after obtaining your express consent. Declining this consent may affect our ability to provide services that rely on AI-assisted processing. You may withdraw consent by contacting us; withdrawal will not invalidate processing that lawfully occurred before consent was withdrawn. Further details are in our Privacy Policy.
You should not send passwords, brokerage login credentials, private keys, or other information that is unnecessary for the Services. We will never ask for authority to trade in or withdraw from your accounts.
You may optionally submit a testimonial or review. We will not publicly identify you or use your testimonial in marketing without your permission.
If you give permission, you grant us a non-exclusive, royalty-free licence to reproduce, publish, edit for length or clarity without changing its meaning, and display the testimonial in the agreed manner. You may withdraw permission for future use by contacting us, although withdrawal will not affect materials already printed or uses already completed.
Testimonials reflect individual experiences and do not guarantee that another client will obtain similar results.
Cognizantly and its licensors own the Services and all associated content, methodologies, analytics systems, reports, designs, text, templates, graphics, trademarks, and intellectual property, excluding Client Materials.
Subject to payment and compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to use purchased reports, templates, and materials for your own personal, non-commercial purposes.
You may not, without our prior written consent:
Business use requires a separate enterprise agreement.
You must not:
We may suspend or terminate access where reasonably necessary to address misuse, non-payment, security concerns, or legal requirements.
The Services may depend on or link to third-party platforms and content. We do not control and are not responsible for the availability, security, accuracy, or practices of independent third parties.
Use of a third-party service may be governed by separate terms between you and that provider. A link or integration does not constitute our endorsement of the third party or its content.
To the maximum extent permitted by law, the Services are provided on an “as is” and “as available” basis. We do not warrant that the Services will be uninterrupted, error-free, secure, complete, current, or suitable for a particular purpose.
To the maximum extent permitted by law, we disclaim implied warranties and conditions, including merchantability, fitness for a particular purpose, title, and non-infringement.
Research, market information, and analytics may rely on information supplied by you or third parties. Although we may use reasonable care, we do not guarantee the accuracy or completeness of that information.
Nothing in these Terms excludes a warranty, condition, remedy, or consumer right that applicable law does not permit the parties to exclude.
To the maximum extent permitted by law, Cognizantly and its directors, officers, employees, contractors, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, opportunity, data, goodwill, anticipated savings, or investment value.
To the maximum extent permitted by law, our total aggregate liability arising from the Services or these Terms will not exceed the greater of:
These limitations apply regardless of the legal theory and even if we were advised that a loss was possible. They do not apply to liability that cannot lawfully be excluded or limited, including any liability for fraud, wilful misconduct, or other matters for which limitation is prohibited by law.
To the extent permitted by law, you will indemnify Cognizantly and its directors, officers, employees, and contractors against third-party claims, losses, and reasonable legal costs resulting from:
This section does not require you to indemnify us for our own negligence, breach of these Terms, or unlawful conduct.
You may stop using the Services at any time, subject to the payment, cancellation, and refund provisions above.
We may suspend or terminate the Services if you materially breach these Terms, fail to pay an amount due, misuse the Services, threaten or harass a coach or other person, or create a security or legal risk. Where reasonably practicable, we will provide notice and an opportunity to remedy the issue.
If we terminate a prepaid Service without cause, we will refund the unused portion of the applicable fee. Sections intended by their nature to survive termination—including ownership, disclaimers, liability, indemnity, and dispute provisions—will survive.
Subject to mandatory consumer-protection and other non-waivable laws, these Terms are governed by the laws of British Columbia and the federal laws of Canada applicable in British Columbia, without regard to conflict-of-law principles.
The parties submit to the exclusive jurisdiction of the courts located in Vancouver, British Columbia.
If the law of your province, territory, state, or country gives you a mandatory right to bring a proceeding elsewhere or applies mandatory local consumer protections, this section does not take that right away.
Before beginning formal proceedings, you and Cognizantly agree to make reasonable good-faith efforts to resolve the dispute by written notice and discussion for at least 30 days, unless urgent injunctive relief or a limitation period makes that impracticable.
We may modify the Services and these Terms from time to time. We will post the revised Terms and update the effective date.
If a change materially affects an existing paid or automatically renewing Service, we will provide advance notice where reasonably practicable or legally required. Changes will apply prospectively and will not retroactively alter rights or obligations that arose before the change took effect.
Your continued use after the effective date of revised Terms constitutes acceptance where permitted by law. If you do not accept a material change, you may cancel before it takes effect.
You consent to receive agreements, receipts, notices, and transactional communications electronically. Marketing communications are subject to applicable anti-spam laws and your communication preferences. You may unsubscribe from marketing emails without affecting transactional communications relating to your purchases.
These Terms, the Privacy Policy, the applicable purchase description, and any signed agreement form the entire agreement concerning the Services.
If a provision is unenforceable, it will be limited or severed to the minimum extent necessary, and the remaining provisions will continue in effect. A failure to enforce a provision is not a waiver. You may not transfer these Terms without our consent. We may transfer them as part of a merger, financing, reorganization, sale of assets, or similar transaction, subject to applicable law.
Neither party is liable for delay caused by circumstances beyond its reasonable control, except that this does not excuse payment obligations for Services already provided.
Headings are for convenience only. “Including” means “including without limitation.”
Questions, complaints, cancellation notices, and refund requests may be sent to: