TERMS OF USE
Effective Date: February 3, 2026

By accessing or using Be-The-Tortoise.com (the “Site”), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use this Site.

1. Intellectual Property Rights All content on this Site, including but not limited to text, graphics, logos, video recordings, webinar materials, and downloadable guides, is the property of Contrast Asset Management (operating as Be The Tortoise) or its content suppliers and is protected by Canadian and international copyright and intellectual property laws.
2. Limited License We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site and its content for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any part of this Site without our express prior written consent.
3. User Conduct You agree to use this Site only for lawful purposes. You are prohibited from using this Site to:

• Violate any applicable local, provincial, state, national, or international law.
• Transmit any unsolicited or unauthorized advertising or promotional materials (“spam”).
• Attempt to gain unauthorized access to any portion of the Site or its related systems.

4. Limitation of Liability To the fullest extent permitted by law, Be-The-Tortoise.com, its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of or inability to use this Site or from any information or content provided herein.
5. Jurisdiction These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein.