Terms of Service

Last updated: July 9, 2026

Company Identity and Acceptance

These Terms of Service govern your use of Balance Statement Academy (Balance Statement Academy Limited) and its services. By accessing and using our website, you agree to be bound by these terms and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any changes.

Scope of Services

We provide comprehensive educational content focused on ratio analysis and balance sheet interpretation for finance students in Vancouver and beyond. Our platform offers detailed resources, tutorials, and guidance on reading corporate financial statements, understanding financial ratios, and analyzing balance sheet components. We deliver educational materials, interpretive guides, and learning resources designed to help students develop proficiency in corporate financial analysis. Our services are intended for educational purposes to support your learning journey in financial statement analysis.

User Obligations

As a user of our services, you agree to:

• Use our website only for lawful purposes and in accordance with these terms
• Not engage in any conduct that restricts or inhibits anyone's use or enjoyment of our services
• Not attempt to gain unauthorized access to our systems or networks
• Not reproduce, duplicate, copy, or sell any content without explicit permission
• Respect intellectual property rights and confidentiality of our materials
• Provide accurate information when registering or interacting with our services

Intellectual Property

All content on our website, including text, graphics, logos, images, and educational materials, is the property of Balance Statement Academy or our content providers and is protected by copyright laws. You may not reproduce, distribute, or transmit any content without our prior written permission. We grant you a limited license to access and view our materials for personal, educational use only. Any unauthorized use of our content violates our intellectual property rights and may result in legal action.

Limitations of Liability

Our services are provided on an "as is" basis without warranties of any kind. We do not guarantee the accuracy, completeness, or timeliness of any content. To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. This includes loss of profits, data, or business opportunities. Our total liability shall not exceed the amount paid by you for our services. Some jurisdictions do not allow limitations on liability, so this provision may not apply to you.

Termination

We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and with or without notice. Termination may occur if you violate these terms, engage in prohibited conduct, or for any other reason at our sole discretion. Upon termination, your right to access our services ceases immediately. Any provisions that by their nature should survive termination, including intellectual property rights and limitations of liability, shall continue in effect.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Canada, specifically the laws of the Province of British Columbia. You agree to submit to the exclusive jurisdiction of the courts located in Vancouver, British Columbia. This choice of law and venue applies regardless of your location or nationality. If any provision of these terms is found to be invalid, the remaining provisions shall continue in full force and effect.