1 Acceptance of Terms

By accessing and using the Matb Ebal website (matbebal.pro) and our investment education services, you agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and Matb Ebal, effective as of January 15, 2025. If you do not agree with any part of these terms, please discontinue use of our platform immediately.

We reserve the right to modify these terms at any time without prior notice. Your continued use of our services after any changes indicates your acceptance of the new terms. We recommend reviewing this document periodically to stay informed of any updates.

2 Description of Services

Matb Ebal provides educational content and resources focused on investment fundamentals, financial literacy, and market analysis. Our platform offers courses, articles, webinars, and interactive learning materials designed to help beginners understand investment principles and develop foundational knowledge.

We do not provide investment advice, financial planning services, or recommendations to buy or sell specific securities. All content is for educational purposes only and should not be construed as professional financial advice. We strongly recommend consulting with qualified financial advisors before making any investment decisions.

• Educational courses and learning modules
• Market analysis and research materials
• Investment terminology and concept explanations
• Interactive learning tools and calculators
• Community forums and discussion boards

3 User Account Responsibilities

When creating an account with Matb Ebal, you must provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.

Users are prohibited from creating multiple accounts, sharing account access with others, or using accounts for any unlawful purposes. We reserve the right to suspend or terminate accounts that violate these terms or engage in fraudulent activities.

4 Acceptable Use Policy

Our platform is designed to foster a respectful learning environment. Users must conduct themselves professionally and refrain from posting content that is offensive, defamatory, or inappropriate. This includes but is not limited to discriminatory language, personal attacks, or content that promotes illegal activities.

• Respect other users and maintain professional discourse
• Do not share copyrighted material without proper authorization
• Avoid posting spam, promotional content, or solicitations
• Do not attempt to hack, disrupt, or damage our systems
• Refrain from collecting personal information from other users

Violation of these policies may result in content removal, account suspension, or permanent termination of access to our services. We maintain the right to monitor user activity and take appropriate action when necessary to protect our community and platform integrity.

5 Intellectual Property Rights

All content on the Matb Ebal platform, including but not limited to text, graphics, videos, audio files, software, and course materials, is owned by Matb Ebal or our content partners and is protected by Canadian and international copyright laws. Users may access and use this content solely for personal educational purposes.

You may not reproduce, distribute, modify, create derivative works, publicly display, or commercially exploit any of our content without explicit written permission. This includes sharing course materials, copying articles, or redistributing our educational resources outside the platform.

When you submit content to our platform (such as forum posts, comments, or user-generated materials), you grant Matb Ebal a non-exclusive, royalty-free license to use, display, and distribute that content in connection with our services. You retain ownership of your original content but allow us to use it to improve and promote our educational platform.

6 Privacy and Data Protection

We are committed to protecting your privacy and handling your personal information responsibly. Our Privacy Policy, which is incorporated into these Terms of Use by reference, details how we collect, use, store, and protect your data in compliance with applicable Canadian privacy laws including PIPEDA (Personal Information Protection and Electronic Documents Act).

By using our services, you consent to the collection and processing of your information as described in our Privacy Policy. We implement appropriate technical and organizational measures to safeguard your data against unauthorized access, alteration, disclosure, or destruction.

7 Financial Disclaimers

Matb Ebal provides educational content only and does not offer investment advice, recommendations, or guidance on specific financial decisions. All investments carry inherent risks, including the potential loss of principal. Past performance does not guarantee future results, and individual outcomes may vary significantly.

Our educational materials are designed to improve financial literacy and investment knowledge but should not be considered as professional financial advice. Always consult with qualified financial advisors, tax professionals, or legal counsel before making investment decisions based on information learned through our platform.

We make no representations or warranties about the accuracy, completeness, or timeliness of market information presented in our educational content. Financial markets are subject to rapid changes, and information that was accurate at the time of publication may become outdated quickly.

8 Limitation of Liability

To the maximum extent permitted by applicable law, Matb Ebal shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our platform or services. This includes but is not limited to damages for lost profits, business interruption, or loss of information.

Our total liability to you for any claims arising under these terms shall not exceed the amount you have paid to Matb Ebal in the twelve months preceding the claim. Some jurisdictions do not allow the exclusion or limitation of certain damages, so these limitations may not apply to you.

• We are not responsible for investment losses based on educational content
• Technical issues or platform downtime do not create liability beyond service credits
• Third-party content or links are provided for educational purposes only
• User-generated content reflects individual opinions, not company positions

9 Termination of Services

Either party may terminate this agreement at any time with or without cause. You may close your account by contacting our support team or through your account settings. We may suspend or terminate your access to our services if you violate these terms or engage in activities that harm our platform or community.

Upon termination, your right to access and use our services will cease immediately. However, certain provisions of these terms, including intellectual property rights, disclaimers, and limitation of liability, will survive termination and continue to apply.

10 Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of Alberta, Canada, without regard to conflict of law principles. Any disputes arising from or relating to these terms or your use of our services shall be resolved through binding arbitration conducted in Calgary, Alberta, in accordance with the rules of the Alberta Arbitration Act.

Before initiating arbitration proceedings, parties agree to attempt resolution through good-faith negotiation. If a dispute cannot be resolved within sixty days of written notice, either party may proceed to arbitration. The arbitrator's decision shall be final and binding, and judgment may be entered in any court of competent jurisdiction.