Last Updated: June 1, 2025

​

These Terms of Service ("Terms," "Agreement") govern your use of the Wealthii mobile application and all related websites, services, and platforms owned or operated by Tide Turner Learning, a Canadian company ("Company," "we," "us," or "our"). Wealthii is a gamified financial literacy application that includes educational content, interactive features, progress tracking, and community elements (collectively, the "Service").

​

PLEASE READ THESE TERMS CAREFULLY BEFORE USING WEALTHII. BY ACCESSING, DOWNLOADING, INSTALLING, OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS.

​

We reserve the right to modify these Terms at any time. Updated Terms will be posted with a new "Last Updated" date. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms. For material changes, we will provide additional notice through the app or via email.

​

1. Acceptance of Terms

Your use of Wealthii is subject to these Terms of Service, our Privacy Policy, and any additional terms for specific features as may be presented to you. By using Wealthii, you represent that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. All additional terms and conditions promulgated by us from time to time for the use of certain features of the Service are incorporated herein by reference.

​

2. Privacy Policy

By accepting these Terms of Service, you agree to abide by the terms of our Privacy Policy, where applicable. Our Privacy Policy explains how we collect, use, and protect your information when you use the Service.

​

3. Eligibility

You must be at least 18 years old to use Wealthii. You may use the Service only if you can form a binding contract with us, and only in compliance with this Agreement and all applicable local, provincial, federal, and international laws, rules and regulations. You represent and warrant that you are competent to enter into an agreement to accept these Terms of Service and to use the Service. The Service is not available to any users previously removed from the Service by us.

​

4. Mobile Services

Your mobile carrier's normal messaging, data, and other rates and fees will apply to your use of the Service. In addition, downloading, installing, or using certain features may be prohibited or restricted by your mobile carrier, and not all features may work with all carriers or devices. Therefore, you are solely responsible for checking with your mobile carrier to determine what restrictions, if any, may be applicable to your use of the Service, and how much they will cost you. Nevertheless, all use of the Service must be in accordance with this Agreement.

​

5. Registration

As a condition to using certain aspects of the Service, you may be required to register with the Service using your email, Apple ID or Google ID. You shall provide us with accurate, complete, and updated registration information. Failure to do so shall constitute a breach of these Terms of Service, which may result in immediate termination of your account.

You shall not select or use as a username a name of another person with the intent to impersonate that person, use as a username a name subject to any rights of a person or entity other than you without appropriate authorization, use a domain name or phone number, or use as a username a name that is otherwise offensive, vulgar or obscene.

We reserve the right to refuse registration of, or cancel a username at our sole discretion. You shall be responsible for keeping your mobile device in your possession or control at all times and password protect access to your mobile device. You shall never use another user's account without such other user's express permission. You will immediately notify us in writing of any unauthorized use of your account, or other account-related security breach of which you are aware.

Although we will not be liable for your losses caused by any unauthorized use of your account, you may be liable for our losses or others due to unauthorized use.

​

6. Description of Service

Wealthii provides gamified financial literacy education including interactive learning modules and courses, quizzes, assessments, and progress tracking, achievement systems, badges, and leaderboards, community forums and discussion features, personalized learning recommendations, and goal setting and progress monitoring tools.

The Service provides educational content only and is not personalized financial advice. We do not provide investment, tax, or legal advice. You should always consult qualified professionals for financial decisions. We may, in our sole discretion and at any time, update, change, suspend, make improvements to or discontinue any aspect of the Service, temporarily or permanently.

​

7. Free and Pro Features and In-App Purchases

When you start using the Service, your account will be set up as a free account, allowing you to access limited features of the Service free of any charges. At any time, you may buy a Pro subscription or make in-app purchases which give you access to additional features of the Service as set forth below:

Subscriptions:

(a) Some features of the Service will be made available for users with a free account so they can try the Service. You understand that if you have a free account, access to these features may be restricted at any time. We don't have the obligation to provide you with free features and will choose to do so at our sole discretion.

(b) If you enjoy the Service, you can buy a Pro subscription that will grant access to additional features available on the Service at the moment of purchase. You understand and acknowledge that we may deactivate, change or upgrade existing features at any time and at our sole discretion.

(c) If you decide to buy a Pro subscription, you must agree to the subscription period and to pay the full price disclosed at the moment of purchase. You also agree and acknowledge that as you are purchasing a subscription service, your account will be billed continuously for the subscription until you terminate it as set forth below.

(d) You acknowledge and agree that the price for the subscription may vary from time to time, with or without notice. Therefore, you agree that on the renewal of your subscription you will be charged the most recent price for the Pro subscription.

(e) You acknowledge and agree that we may give special offers subject to extra terms or restrictions and that these offers are non-transferable, non-cumulative and can't be shared with other users.

(f) When you buy the Pro subscription, additional features will be instantly made available for you to use. However, if at the time of the auto-renewal of your subscription we don't receive a confirmation that you have made the payment, you may lose access to Pro features of the Service until your payment is confirmed.

(g) Once you become a Pro user, we'll automatically make additional features of the Service available for you to use. Therefore, you acknowledge and agree that you won't be able to ask for a refund for the amount paid.

(h) At the moment of an automatic renewal, you acknowledge and agree that if the payment is not confirmed with success within thirty (30) days, we can cancel your subscription and restrict your access to certain features of the Service.

In-App Purchases:

(a) In the Service, you may purchase, with "real world" money, a limited, personal, non-transferable, non-sublicensable, revocable license to use virtual items, including but not limited to virtual currency, bonus content, or additional features, solely for use in the Service ("Virtual Items"). You are allowed to purchase Virtual Items through the Service, and not in any other way.

(b) We may manage, regulate, control, modify, or eliminate Virtual Items at any time, with or without notice. We may update the pricing of Virtual Items at any time in our sole discretion, and may add new Virtual Items for additional fees. We shall have no liability to you or any third party in the event that we exercise any such rights.

(c) The transfer of Virtual Items is prohibited except where expressly authorized in the Service. Other than as expressly authorized in the Service, you shall not sell, redeem or otherwise transfer Virtual Items to any person or entity, including but not limited to us, another user, or any third party.

Payment Processing:

All payments will be processed by Apple if you have an iOS device or by Google if you have an Android device. Therefore, you acknowledge and agree that:

(a) If you buy a Pro subscription or make in-app purchases via an iOS device, in addition to these Terms of Service you agree to Apple App Store Terms of Service and Privacy Policy.

(b) If you buy a Pro subscription or make in-app purchases via an Android device, in addition to these Terms of Service you agree to Google Play Terms of Service and Privacy Policy.

(c) If you decide to cancel your subscription, for any reason, you may follow the instructions provided by your app store.

(d) If you buy a Pro subscription via an iOS device, this subscription can't be used on Android devices. As well as, Pro subscriptions bought via Android devices, can't be used on iOS devices.

​

8. Ownership of Service Content

All content you see on the Service, unless submitted by you, is owned or licensed by us or third parties. You agree that the Service contains content specifically provided by us, our business partners and other Service users and that such content is protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary rights and laws.

The elements of our content include without limitation, the user interface, interactive features, educational content, software, code, data, art, graphics, animation, videos, images, text, audio and audiovisual elements, look-and-feel, design, layout, organization, presentation, navigation, compilation, and stylistic convention of the Service. Your use of the Service does not give you ownership of any content not submitted by you.

​

9. Use of Service Content

You do not have rights to use our content in any manner other than those explicitly authorized under this Agreement. You shall not sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, create derivative works from, or otherwise exploit any content or third party submissions or other proprietary rights not owned by you, without the consent of the respective owners or other valid right, or in any way that violates any third party right.

Subject to your complete and ongoing compliance with this Agreement, we hereby grant you a revocable, non-exclusive, non-transferable, non-sublicensable, royalty-free and worldwide right and license to access and use the Service for your personal, non-commercial use and solely in strict compliance with the provisions of this Agreement.

​

10. Trademarks

All trademarks, logos, service marks and trade names displayed on the Service are registered or unregistered trademarks of ours, our business partners and/or others, and may not be used unless authorized by the trademark owner. Nothing contained on the Service should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the Service.

​

11. User Content and Conduct

When you post any content including, but not limited to, text, images, comments, achievements, or other materials ("User Content") on the Service, you represent and warrant that you own the rights or licenses to your User Content and have obtained the necessary consents from people or organizations contributing to the content. You own, or have the necessary licenses, rights, consents, and permissions to use and authorize us to use, all intellectual property rights in and to any and all User Content.

Your User Content must not infringe third party rights, slander, defame, libel, or invade the right of privacy, publicity or other property rights of any other person, or violate any applicable law or regulation. There is no need for any payment to any other person or entity to use, and to authorize us to use, your User Content in all manners contemplated by these Terms of Service.

You grant to us and our affiliates a non-exclusive, fully-paid, royalty-free, unrestricted, perpetual, irrevocable, fully transferable, assignable, worldwide license with the right to grant and authorize sublicenses, to use, reproduce, transmit, perform, display, exhibit, distribute, modify, reformat, create derivative works based upon, and otherwise exploit your User Content in connection with the Service and our business, including without limitation for promoting and redistributing part or all of the Service.

We cannot be responsible for maintaining your User Content that you provide to us, and we may delete or destroy your User Content at any time. You also hereby grant to each user of the Service a non-exclusive license to access your User Content through the Service as permitted by the functionality of the Service and these Terms of Service.

​

12. Prohibited User Conduct

You warrant and agree that, while accessing or using the Service, you will not, nor will you assist or permit any person, to engage in the following prohibited activities:

(a) Make unauthorized copies of any content made available on or through the Service; 

(b) Rent, lease, loan, resell, sublicense, distribute or otherwise transfer the Service to any third party; 

(c) Impersonate any person or entity or misrepresent your affiliation with any other person or entity; 

(d) Submit any materials or communicate any information that is defamatory, abusive, harassing, threatening, bigoted, hateful, racially offensive, violent, vulgar, obscene, pornographic, or otherwise harmful; 

(e) Use the Service in violation of intellectual property or other proprietary rights; 

(f) Post content that actively promotes or glorifies self-harm; 

(g) Submit any materials that are illegal or encourage illegal activity; 

(h) Submit commercial or advertising content without authorization; 

(i) Use any device, software or routine to interfere with the proper working of the Service; 

(j) Attempt to decipher, decompile, disassemble or reverse engineer any software comprising the Service; 

(k) Delete or alter any material posted on the Service; 

(l) Access non-public areas of the Service or attempt to gain unauthorized access; 

(m) Create new accounts if previously disabled; 

(n) Solicit personal information from other users; 

(o) Post any virus, worm, spyware, or malicious code; or 

(p) Violate any applicable laws or regulations.

You alone are responsible for the consequences of any of your activities while you are visiting or using the Service.

​

13. Educational Disclaimer

Wealthii provides educational content only. Content is not personalized financial, investment, or legal advice. We do not recommend specific financial products or strategies. We make no guarantees about educational outcomes, and learning results may vary by individual. Always consult qualified professionals for financial decisions.

​

14. Third Party Services

You acknowledge and agree that the availability of the Service is dependent on the third party from whom you received the Service (e.g., Google's Google Play or Apple's App Store). You acknowledge that this Agreement is between you and us and not with the app store. Each app store may have its own Terms of Service to which you must agree before downloading the Service from it.

The Service may contain links to third-party websites, advertisers, services, special offers, or other events or activities that are not owned or controlled by us. We do not endorse or assume any responsibility for any such third-party sites, information, materials, products, or services. If you access any third party website, service, or content from the Service, you understand that these Terms and Conditions and our Privacy Policy do not apply to your use of such sites.

​

15. Right to Monitor and Editorial Control

We reserve the right, but do not have an obligation, to monitor and/or review all content posted to the Service by users, and we are not responsible for any such materials posted by users. However, we reserve the right at all times to disclose any information as necessary to satisfy any law, regulation or government request. We shall have the right (but not the obligation) in our sole discretion to refuse to post or remove any content that is available on the Service in whole or in part at any time for any reason or no reason, with or without notice and with no liability of any kind.

We may also impose limits on certain features or restrict your access to part or all of the features or services without notice or penalty if we believe you are in breach of these Terms of Service or applicable law, or for any other reason without notice or liability.

​

16. Indemnification

You agree to indemnify and hold harmless us and our officers, directors, managers, employees, contractors, agents, licensors, and representatives from any and all claims, losses, obligations, damages, liabilities, costs, debt, and expenses (including attorneys' fees) arising out of your use or misuse of the Service, your content, your violation of these Terms of Service, your violation of the rights of any other person or entity, your breach of representations and warranties, and any unauthorized use of your account not caused by us.

We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us and you agree to cooperate with our defense of these claims. You agree not to settle any matter giving rise to your indemnification obligations without our prior written consent.

​

17. Copyright and Intellectual Property

We respect intellectual property rights and comply with applicable copyright laws in Canada and other jurisdictions where we operate.

Canadian Users: We comply with Canada's Copyright Act. If you are a copyright owner and believe that any content on the Service infringes your copyright, you may submit a notice containing: 

(a) identification of the copyrighted work claimed to be infringed; 

(b) identification of the infringing material and its location on the Service; 

(c) your contact information; 

(d) a statement of good faith belief that the use is not authorized; and 

(e) a statement that the information is accurate and you are authorized to act on behalf of the copyright owner.

US Users: For users in the United States, we also comply with the Digital Millennium Copyright Act (DMCA). You may submit a DMCA takedown notice following the statutory requirements under 17 U.S.C. § 512(c)(3).

Counter-Notices: If you believe content was removed in error, you may submit a counter-notice explaining why the content should be restored, including your contact information and a statement that you consent to jurisdiction in Canadian courts or, for US users, federal court jurisdiction.

Our designated agent for copyright notices can be reached at: copyright@tideturnerlearning.com

We reserve the right to terminate accounts of users who are repeat infringers of intellectual property rights.

​

18. Disclaimers and Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted or error-free, that defects will be corrected, or that the Service is free from viruses or harmful components. We make no representations about the accuracy, reliability, completeness, or timeliness of any content on the Service.

​

19. Limitation of Liability

In no event will we be liable for any special, indirect, punitive, incidental, consequential damages, lost profits, or damages resulting from lost data or business interruption resulting from, or in connection with, the use or inability to use the Service and any content thereon, whether based on warranty, contract, tort (including negligence), or any other legal theory, even if we have been advised of the possibility of such damages. Our liability, and the liability of any other service parties, to you or any third parties in any circumstance is limited to the greater of what you have paid us for the past three months and CAD $100.

You understand and agree that we have set our prices and entered into these Terms in reliance upon the limitations of liability set forth herein, which allocate risk between us and form the basis of a bargain between the parties.

​

20. Account Termination

We may terminate, change, limit, suspend or discontinue any aspect of the Service at any time. We may restrict, suspend or terminate your access to the Service if we reasonably believe you have acted inappropriately on the Service or you are in breach of these Terms of Service or applicable law, or for any other reason without notice or liability.

You may terminate this Agreement and cancel your account at any time through the functionality offered in the Service or by contacting us. Upon any termination of this Agreement, you agree to discontinue your use and access of the Service.

In the event that an account is terminated, we will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. All provisions of these Terms of Service which by their nature should survive termination shall survive termination.

​

21. International Use

We control and operate the Service from offices in Canada. We make no representation that content is appropriate or authorized for use in all countries, provinces, states, counties or any other jurisdictions. When you access the Service, you are responsible for compliance with all applicable local laws.

Quebec Users: If you are accessing the Service from Quebec, please note that Quebec's consumer protection laws may provide you with additional rights that cannot be waived by these Terms of Service. In the event of any conflict between these Terms and Quebec's Consumer Protection Act or other applicable Quebec laws, the Quebec laws shall prevail to the extent required by law.

​

22. Dispute Resolution

These Terms are governed by the laws of Newfoundland, Canada, without regard to conflict of law principles.

Informal Resolution: Before initiating any formal legal proceedings, you agree to first contact us at help@tideturnerlearning.com and attempt to resolve any dispute informally for a period of at least 30 days.

Jurisdiction and Venue: Any legal action or proceeding arising under these Terms will be brought exclusively in the provincial or federal courts located in St. John’s, Newfoundland, Canada, and you hereby consent to personal jurisdiction and venue therein.

US Users: For users accessing the Service from the United States, you agree to resolve disputes through binding arbitration under American Arbitration Association (AAA) Commercial Arbitration Rules, except for small claims court actions. Claims must be brought individually, and you waive the right to participate in class actions or representative proceedings. Arbitration will be conducted by a single arbitrator using English language proceedings.

Limitation Period: You and we agree that any cause of action arising out of or related to these Terms or the Service must commence within one year after the cause of action accrues. Otherwise, such cause of action is permanently barred.

​

23. App Store Additional Terms

Apple App Store: If downloaded from Apple App Store, Apple is not a party to these Terms, we (not Apple) are responsible for the Service, Apple has no obligation to provide support, and Apple is a third-party beneficiary of these Terms.

Google Play Store: If downloaded from Google Play, Google is not a party to these Terms and we (not Google) are responsible for the Service.

​

24. General Provisions

Consumer Protection Laws: Nothing in these Terms of Service is intended to exclude, restrict, or modify any consumer rights that cannot be excluded, restricted, or modified under applicable provincial consumer protection legislation. Where any provincial consumer protection laws apply, those laws will prevail over any conflicting provisions in these Terms to the extent required by law.

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service. If any provision is found unenforceable, the remaining provisions will continue in full force. Our failure to enforce any right or provision does not waive our right to enforce it later.

Assignment: We may assign our rights and obligations under these Terms. You may not assign your rights without our consent. We are not liable for delays or failures due to circumstances beyond our reasonable control.

Notices: We may provide you with notices by postings on the Service, including push notifications, or via email. You may provide us with notices by contacting us at help@tideturnerlearning.com.

 

By using Wealthii, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.