Terms of Use

Effective date: January 1, 2026

These Terms of Use ("Terms") govern your access to and use of the Polancodreams Academy website (polancodreams.com) and any programs, content or services we provide. By accessing the site or enrolling in a program, you agree to these Terms.

1. Use of the website

You agree to use the site only for lawful purposes and in a manner that does not infringe the rights of, restrict or inhibit the use of the site by any third party.

2. Account registration

To enrol in a program, you may be required to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.

3. Program enrolment and payment

• Tuition fees are quoted in Canadian dollars (CAD) and listed on the relevant program page.
• Payment is required prior to cohort start, unless an instalment plan has been agreed in writing.
• Polancodreams reserves the right to modify program content, schedule or instructors, with reasonable notice, where necessary.

4. Refund and withdrawal policy

• You may withdraw with a full refund within 14 calendar days of cohort start and before the third live session.
• After the third session, refunds are pro-rated based on sessions remaining.
• Polancodreams may dismiss a student for serious breach of conduct without refund.

5. Intellectual property

All website content and program materials — including text, logos, graphics, videos, frameworks, templates and assessments — are the property of Polancodreams Academy or its licensors and are protected by Canadian and international copyright and trademark law. You may use program materials for your personal professional development. You may not republish, redistribute, sell or use them to deliver competing programs without our written consent.

6. Code of conduct

Students agree to participate in cohorts respectfully, to not record sessions without permission, and to not share access credentials.

7. Disclaimers

The site and our programs are provided on an "as is" and "as available" basis. While we apply professional standards, we make no warranties as to specific career or financial outcomes. Programs are educational and do not constitute legal, financial, investment or tax advice.

8. Limitation of liability

To the fullest extent permitted by Canadian law, Polancodreams' total liability for any claim arising from or related to the site or our programs will not exceed the fees paid by you for the relevant program. We are not liable for indirect, incidental, special or consequential damages.

9. Third-party links

The site may link to third-party websites for context, including general references to Canadian capital markets resources. We are not responsible for the content or practices of those websites.

10. Termination

We may suspend or terminate your access to the site or a program for breach of these Terms. The provisions concerning intellectual property, disclaimers and limitation of liability survive termination.

11. Governing law

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein. Disputes will be subject to the exclusive jurisdiction of the courts located in Vancouver, BC.

12. Changes

We may update these Terms. Continued use of the site after changes constitutes acceptance of the updated Terms.

13. Contact

Questions about these Terms can be sent to info@polancodreams.com or by mail to 845 Hornby Street, Suite 1400, Vancouver, BC V6Z 1V1, Canada.