Terms of Service — cashout.community

1. Agreement to these Terms

These Terms of Service (the “Terms”) govern your access to and use of cashout.community and any related websites, applications, courses, community channels, and services we provide (together, the “Platform” or the “Services”). By creating an account, purchasing a membership, or otherwise using the Platform, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated here by reference.

If you do not agree to these Terms, do not use the Platform. If you are using the Platform on behalf of an organization, you represent that you have authority to bind that organization, and “you” refers to that organization.

2. Who we are & what we offer

cashout.community is a paid membership learning and community platform operated from Vancouver, British Columbia, Canada (“cashout,” “we,” “us,” or “our”). The Platform is built around seven “pillars” of personal and financial elevation and includes:

structured courses, lessons, and educational content;
community channels, discussion spaces, and accountability features;
gamification features such as experience points (XP), levels, streaks, quests, achievements, and leaderboards; and
tools that track your progress and personalize your experience.

We may add, change, or remove features, courses, or content at any time. Some features require an active paid membership.

3. Eligibility & minors

You must be at least 16 years old to create an account and use the Platform. The Platform is not directed to children under 16, and we do not knowingly collect personal information from children under 16. If we learn that we have collected information from a child under 16, we will delete it.

If you are between 16 and the age of majority in your province, territory, or country of residence (18 or 19 in most of Canada), you may use the Platform only with the involvement, consent, and supervision of a parent or legal guardian who agrees to these Terms on your behalf and accepts responsibility for your use of the Platform.

Paid memberships by minors. A minor may purchase or hold a paid membership only with the consent of, and using a payment method authorized by, a parent or legal guardian. The parent or guardian is responsible for all charges incurred.
No professional advice for minors or anyone else. Our content is educational only (see Section 12) and is not a substitute for guidance from a parent, guardian, or qualified professional.

By using the Platform, you represent that you meet these eligibility requirements and that the information you provide about your age and identity is accurate.

4. Your account

To access most of the Platform you must create an account, which you may do using a supported sign-in provider (such as Google). You agree to provide accurate information and to keep it up to date.

You are responsible for all activity that occurs under your account and for keeping your login credentials secure.
Your account is personal to you. You may not share, sell, or transfer your account or membership, or let others use it.
Notify us promptly at the contact below if you suspect any unauthorized use of your account.
We may, at our discretion, refuse, suspend, or close accounts that violate these Terms or that we reasonably believe pose a risk to the Platform or other members.

5. Membership, subscriptions & billing

Certain features require a paid membership offered on a recurring subscription basis (for example, monthly or annual plans). Payments are processed by our third-party payment processor, Stripe. We do not store your full payment card details; those are handled by Stripe under its own terms and security standards.

Pricing & currency. Prices, plans, and any applicable taxes are displayed at checkout. Unless stated otherwise, amounts are charged in the currency shown at the time of purchase. You are responsible for any taxes not collected by us.
Auto-renewal. Subscriptions automatically renew at the end of each billing period at the then-current price for that plan, unless you cancel before the renewal date. By subscribing, you authorize us and Stripe to charge your payment method on a recurring basis until you cancel.
Price changes. We may change subscription prices. Any change will apply to your next billing period after we give you reasonable advance notice. If you do not agree to a price change, you may cancel before it takes effect.
Failed payments. If a charge fails, we may retry, downgrade your access, or suspend your membership until payment succeeds.
Trials & complimentary access. If we offer a free trial or complimentary membership, it converts to a paid subscription (or simply ends) as described at the time of the offer.

6. Cancellation & refunds

You may cancel your subscription at any time from your account settings or by contacting us. When you cancel, your membership remains active until the end of the current paid billing period, and it will not renew after that. You will continue to have access to paid features until the period ends.

Except where required by applicable law, payments are non-refundable and we do not provide refunds or credits for partial billing periods, unused time, or features you did not use.
Nothing in these Terms limits any statutory rights you may have as a consumer under applicable Canadian or provincial law, including the laws of British Columbia.
If you believe you were charged in error, contact us promptly and we will review the charge in good faith.

7. Founding members & promotions

From time to time we offer limited promotions, including a “Founding Member” program, referral rewards (such as added membership time when people you invite join), badges, or discounts. These offers are subject to availability and to any additional terms presented with them. We may modify or end any promotion at any time, and benefits are non-transferable and have no cash value. We may revoke promotional benefits obtained through fraud, abuse, or violation of these Terms.

8. Acceptable use

You agree not to, and not to help or permit anyone else to:

use the Platform for any unlawful, fraudulent, harmful, or deceptive purpose, or to violate the rights of others;
share, resell, redistribute, scrape, or republish our courses, content, or community materials outside the Platform without our written permission;
circumvent, disable, or interfere with security, paywalls, rate limits, or access controls, or attempt to access accounts, data, or areas you are not authorized to access;
upload or transmit malware, or use bots, scrapers, or automated means to access the Platform except as we expressly allow;
reverse engineer, decompile, or attempt to extract source code, except to the extent this restriction is prohibited by law;
impersonate any person, misrepresent your affiliation, or manipulate gamification features (for example, faking activity to gain XP, streaks, achievements, or leaderboard position); or
use the Platform to send spam, unsolicited promotions, pyramid schemes, or to solicit members in ways that violate Section 9.

9. Community channels & conduct

Our community channels are shared spaces. To keep them useful and safe, you agree that when participating you will not post or share content that:

is hateful, harassing, threatening, defamatory, or discriminatory;
is sexually explicit, exploits or endangers minors, or is otherwise illegal;
infringes anyone’s intellectual property, privacy, or other rights, or discloses another person’s private information without consent;
promotes scams, get-rich-quick schemes, unlicensed financial or investment solicitation, or misleading claims; or
spams, floods, or disrupts conversations or other members.

We may, but are not obligated to, monitor, moderate, edit, or remove content and may suspend or remove members who violate these standards. We are not responsible for content posted by members, and any views expressed in the community are those of the individual member, not of cashout.

10. Your content

“User Content” means anything you submit, post, or share on the Platform — including messages, posts, profile details, logged activity, and feedback. You retain ownership of your User Content.

You grant us a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, display, adapt, and distribute your User Content solely to operate, provide, secure, improve, and promote the Platform (for example, showing your posts in the channels you choose, displaying your handle on leaderboards, or generating your progress reports). This license ends when your User Content is deleted, except for content others have already shared, content retained in backups for a reasonable period, or content we must keep to comply with law.

You represent that you own or have the rights to your User Content and that it does not violate these Terms or any law or third-party right.
Feedback you give us is voluntary, and we may use it without obligation or compensation to you.

11. Our intellectual property

The Platform, including our courses, lessons, written and visual content, software, designs, logos, the cashout name and brand, the seven-pillar framework, and the look and feel, is owned by us or our licensors and is protected by copyright, trademark, and other laws. Subject to your compliance with these Terms and any active membership, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Platform and its content for your own personal, non-commercial learning. All rights not expressly granted are reserved. You may not use our trademarks or branding without our prior written consent.

12. Educational purpose — no professional advice

The Platform provides educational and informational content to support personal growth and financial literacy. It is not financial, investment, tax, legal, accounting, medical, or other professional advice, and no content should be relied upon as such. We are not a financial advisor, broker, or fiduciary, and we do not recommend any specific security, product, transaction, or strategy.

Outcomes depend on many factors outside our control. Any examples, results, or earnings referenced are illustrative and are not promises or guarantees of results. You are solely responsible for your own decisions and should consult a qualified professional before acting on anything you learn here.

13. Third-party services

The Platform relies on and may link to third-party services — including Stripe (payments), Google (sign-in), Supabase (data infrastructure), and hosting and analytics providers. Your use of those services is governed by their own terms and privacy policies. We are not responsible for third-party services, websites, or content, and including a link or integration does not imply our endorsement.

14. Disclaimers

The Platform is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranties arising from course of dealing or usage of trade.

We do not warrant that the Platform will be uninterrupted, secure, error-free, or free of harmful components, that content will be accurate or complete, or that defects will be corrected. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

15. Limitation of liability

To the fullest extent permitted by law, in no event will cashout, its operators, employees, contractors, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or relating to your use of (or inability to use) the Platform, even if we have been advised of the possibility of such damages.

To the fullest extent permitted by law, our total aggregate liability arising out of or relating to these Terms or the Platform will not exceed the greater of (a) the total amount you paid us for the Platform in the twelve (12) months before the event giving rise to the claim, or (b) one hundred Canadian dollars (CAD $100).

Some jurisdictions do not allow the limitation or exclusion of certain damages, so some of the above limitations may not apply to you. Nothing in these Terms limits liability that cannot be limited under applicable law.

16. Indemnification

You agree to indemnify and hold harmless cashout and its operators, employees, contractors, and licensors from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your User Content, your use of the Platform, your violation of these Terms, or your violation of any law or the rights of any third party.

17. Suspension & termination

You may stop using the Platform and close your account at any time. We may suspend or terminate your access — with or without notice — if you violate these Terms, if we are required to by law, if your payment fails, or if we reasonably believe your use poses a risk to the Platform or others.

On termination, your right to use the Platform ends immediately. Sections that by their nature should survive — including content licenses you granted, intellectual property, disclaimers, limitation of liability, indemnification, and governing law — will survive termination. Unless required by law, fees already paid are non-refundable on termination, except that if we terminate your paid membership without cause, we will refund any prepaid amount for the unused portion of your current billing period.

18. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will update the “Last updated” date above and take reasonable steps to notify you, such as posting a notice on the Platform or emailing you. Changes take effect when posted unless stated otherwise. Your continued use of the Platform after changes take effect means you accept the updated Terms. If you do not agree, you must stop using the Platform.

19. Governing law & disputes

These Terms and any dispute arising out of or relating to them or the Platform are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable there, without regard to conflict-of-laws rules. You and we agree to submit to the exclusive jurisdiction of the courts located in British Columbia, Canada, for the resolution of any dispute, subject to any mandatory consumer-protection rights you have under the law of your place of residence.

Before filing any formal claim, you agree to first contact us and attempt to resolve the dispute informally and in good faith.

20. General

Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Platform and supersede any prior agreements.
Severability. If any provision is held unenforceable, the rest remains in full effect, and the unenforceable provision will be modified to the minimum extent necessary.
No waiver. Our failure to enforce a provision is not a waiver of our right to do so later.
Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.
Language. The parties have requested that these Terms and all related documents be drawn up in English. Les parties ont demandé que cette entente et tous les documents qui s’y rattachent soient rédigés en anglais.

21. Contact us

Questions about these Terms, your account, or your membership? Reach us at support@cashout.community. We operate from Vancouver, British Columbia, Canada.