Last Updated: April 10, 2025

Welcome to CompetencyLab (“we,” “us,” or “our”). By accessing or using www.competencylab.ca (the “Site”), you agree to comply with these Terms and Conditions and our Privacy Statement. If you do not agree, please refrain from using the Site.

1. Terms and Conditions

1.1 Use of the Site

• You must be at least 18 years old or the age of majority in your jurisdiction to use this Site.
• You agree not to misuse the Site (e.g., hacking, spamming, or distributing malicious software).

1.2 Intellectual Property

• All content (text, graphics, logos, software) is owned by CompetencyLab and protected under Canadian copyright laws.
• Unauthorized use, reproduction, or distribution is prohibited.

1.3 User-Generated Content

• By submitting content (e.g., comments, feedback), you grant us a non-exclusive, royalty-free license to use, modify, and display it.
• You warrant that your submissions do not violate third-party rights or laws.

1.4 Registered User Accounts

• Account Creation: You must provide accurate information and keep login credentials secure.
• Termination: We reserve the right to suspend or terminate accounts for violations of these Terms.
• Responsibilities: You are liable for all activities under your account. Report unauthorized access immediately.

1.5 Payment Terms for Services

• Fees: All prices are in CAD (Canadian Dollars) unless stated otherwise.
• Payment Methods: We accept credit/debit cards, PayPal, or other methods listed on the Site.
• Refunds: Refund eligibility is determined on a case-by-case basis. Contact info@competencylab.ca for requests.
• Taxes: Prices exclude applicable Canadian taxes (e.g., GST/HST) unless specified.

1.6 Limitation of Liability

• The Site is provided “as is.” We do not guarantee uninterrupted or error-free service.
• CompetencyLab is not liable for any direct, indirect, or consequential damages arising from Site use.

1.7 Governing Law & Canada-Specific Clauses

• These Terms are governed by the laws of Ontario and the federal laws of Canada.
• Any disputes will be resolved in the courts of Toronto, Ontario.
• PIPEDA Compliance: We adhere to Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA). You have the right to access, correct, or delete your personal data (see Privacy Statement).

1.8 Changes to Terms

• We may update these Terms at any time. Continued use of the Site constitutes acceptance.

2. Privacy Statement

2.1 Information We Collect

We may collect:

• Personal Data: Name, email, phone number, job title, payment details (for services).
• Automated Data: IP address, browser type, cookies (see Section 2.4).

2.2 How We Use Your Data

• To provide services, process payments, and communicate with you.
• For marketing (with consent) and analytics.

2.3 Data Sharing & PIPEDA Compliance

• We do not sell your data but may share it with:
  • Service providers (e.g., payment processors, hosting).
  • Legal authorities if required by Canadian law.
• Cross-Border Transfers: If data is transferred outside Canada, we ensure equivalent protection under PIPEDA.

2.4 Cookies & Tracking

• We use cookies for functionality and analytics. Manage preferences via your browser settings.

2.5 Data Security

• We implement safeguards (e.g., encryption, access controls) but cannot guarantee absolute security.

2.6 Your Rights Under PIPEDA

You may:

• Access, correct, or delete your personal data.
• Withdraw consent for marketing or data processing.
• File a complaint with the Office of the Privacy Commissioner of Canada (OPC) if applicable.

Contact us at: info@competencylab.ca

2.7 Third-Party Links

• We are not responsible for the privacy practices of external sites.

2.8 Policy Updates

• Changes will be posted here. Check periodically for updates.

3. Contact Us

For questions about these Terms or Privacy Statement, contact:
Email: info@competencylab.ca