Last updated: April 26, 2026

1. PURPOSE OF THESE TERMS

These Terms and Conditions (“Terms”) govern your access to and use of the platform operated by Edunovo Inc.(“we,” “us,” or “our”), including any subscription, content, features, and any cashback incentive that may be associated with a subscription plan.

By accessing the website, creating an account, or subscribing to the platform, you confirm that you have read, understood, and agree to be bound by these Terms.

2. NATURE OF THE SERVICE

Edunovo Inc. operates a subscription-based digital platform that provides access to general financial information, including articles, texts, and videos of an informational and educational nature.

Important clarification:

• The platform does not provide loans, credit, financing, or lending services

• The content is general in nature only and does not constitute financial, legal, or professional advice

• Subscribing to the platform does not guarantee the receipt of any cashback incentive

3. SUBSCRIPTION & CASHBACK INCENTIVE

3.1 Subscription

Access to the platform is provided through paid subscription plans. Subscription fees, duration, and features vary depending on the plan selected.

3.2 Cashback Incentive

Certain subscription plans may be associated with a cashback incentive, which may range from $300 to $1,500, depending on eligibility and plan selection.

The cashback incentive:

• Is not a loan, advance, credit, or financing

• Is predefined by subscription plan

• Is not guaranteed

• Is subject to an eligibility verification

• Is issued only after a valid subscription is completed

3.3 User Choice

Following verification, users may be eligible for multiple subscription options. The user is free to select any available plan, including a plan associated with a lower cashback amount and lower subscription fee.

4. ELIGIBILITY REQUIREMENTS

To subscribe to the platform, you must:

• Be at least 18 years of age

• Be a resident of Canada

• Have the legal capacity to enter into a binding agreement

• Provide accurate and truthful information

• Not use the platform for any illegal, fraudulent, or prohibited purpose

No credit check is performed as part of the subscription or eligibility verification process.

5. VERIFICATION PROCESS

To determine which subscription options may be available, we may perform a verification of the information you provide.

This verification:

• Is not a credit decision

• Is not a lending assessment

• Does not impact your credit file

• Is used solely to determine eligibility for subscription options and associated cashback amounts

We reserve the right to decline, suspend, or terminate access where verification conditions are not met.

6. PLATFORM ACCESS & TERMINATION

We reserve the right, at our sole discretion, to:

• Suspend or terminate an account

• Restrict access to the platform

• Refuse or revoke eligibility for a cashback incentive

Such actions may occur in cases of:

• Breach of these Terms

• Misrepresentation or false information

• Fraudulent or abusive behavior

• Regulatory or legal requirements

No damages or compensation shall be owed as a result of such termination.

7. COLLECTION AND USE OF INFORMATION

7.1 Information Collected

We collect information provided by you during:

• Account creation

• Subscription signup

• Verification processes

• Communications with our team

7.2 Use of Information

Your information may be used for:

• Account administration

• Verification and eligibility determination

• Platform access

• Issuance of cashback incentives (if applicable)

• Compliance with legal obligations

Your information may be shared with service providers, payment processors, and regulatory or legal authorities where required by law. Mobile phone numbers and SMS opt-in consent data are excluded from any sharing with affiliates and are governed by Section 8.1 and the Privacy Policy.

All data handling is governed by our Privacy Policy.

8. NEWSLETTER & MARKETING COMMUNICATIONS

By subscribing to our newsletter, you agree to receive marketing communications, updates, and promotional information.

• You may unsubscribe at any time using the link provided in emails

• We comply with applicable anti-spam legislation

• Communications are sent at reasonable intervals

8.1 SMS Communications

9. INTELLECTUAL PROPERTY

All content available on the platform remains the property of Edunovo Inc. or its licensors. Unauthorized reproduction, distribution, or commercial use is prohibited.

10. DISCLAIMER OF WARRANTIES

The platform and its content are provided on an “as is” and “as available” basis. We make no guarantees regarding:

• Availability

• Accuracy

• Completeness

• Outcomes or results

11. LIMITATION OF LIABILITY

To the fullest extent permitted by law, Edunovo shall not be liable for any indirect, incidental, or consequential damages arising from the use of the platform or the inability to access cashback incentives.

12. GOVERNING LAW & JURISDICTION

These Terms shall be governed by the laws of the Province of Quebec and the laws of Canada applicable therein.

Any dispute shall be brought exclusively before the courts of the Judicial District of Montreal, Quebec.

13. CHANGES TO THESE TERMS

We may update these Terms from time to time. Continued use of the platform following the posting of updated Terms constitutes acceptance of the revised Terms.

14. CONTACT INFORMATION

For questions regarding these Terms, please contact us through the contact information provided on our website.