Legal information

1. Publisher identification

The Broker AI platform is published and operated by Gestion Charles Desmarais Inc., business number 1177310076, with a business address at 854 rue Garand, Saint-Jean-sur-Richelieu (Québec) J3B 6Y8, Canada (hereinafter “we”, “our” or “the publisher”). Responsibility for publication rests with the person holding the highest authority within the company.

Any question about these terms may be sent to contact@broker-ai.ai. We respond to every request within a reasonable time.

2. Purpose and acceptance

These terms form a single contract between the publisher and you. They govern both the sale of access plans to the Broker AI training platform and the use of the site and member area. They apply to every visitor and every member, whether or not they have made a purchase, regardless of their country of residence.

Use of the site constitutes acceptance of these terms. By checking the acceptance box at the time of payment, the buyer further declares having read, understood and accepted these terms, the refund policy and the privacy policy. This acceptance is a condition of the formation of the sales contract.

3. Description of the plans

The platform is offered in three cumulative plans, sold as a one-time payment. Each higher plan includes all the content of the lower plans:

• Essential plan — 4 training kits unlocked, with no future updates included.
• Pro plan — 9 training kits unlocked in total, including updates published for one year from the date of purchase.
• Elite plan — 15 training kits unlocked in total, including updates published for life.

The detailed content of each plan, kit by kit, is presented on the plan comparison page before purchase. The number of included kits may grow as new content is published; it never decreases for a plan already purchased.

4. Price, currency and taxes

Prices are displayed in Canadian dollars and are exclusive of taxes. Applicable sales taxes are calculated automatically at checkout based on the buyer's place of residence and added to the displayed price. The total amount payable, taxes included, is presented before the order is confirmed.

If the buyer's card is denominated in another currency, their bank may apply conversion fees that are outside our control and are added to the amount charged.

Prices may be changed at any time. The applicable price is the one displayed at the time of the order. A price change occurring after a purchase does not give rise to any partial refund.

5. Payment

Payment is made online, in a single instalment, by credit card or by any other method offered at the time of the order. Processing is handled by our payment provider, Stripe. We neither receive nor store any card number: this data is transmitted directly to Stripe and processed under its security standards.

No subscription, recurring charge or automatic renewal is attached to the purchase of a plan. The purchase is one-time and final, subject to the guarantee described in our refund policy.

The order is deemed concluded only after payment authorization is confirmed. A confirmation email restating the order details and these terms is sent to the buyer.

6. Delivery and access

Access to the content of the purchased plan is opened immediately after payment is confirmed, in the member area associated with the buyer's account. No physical medium is shipped.

Access to unlocked content is granted without time limit, for the buyer's personal use, for as long as the platform is operated. Should operation of the platform cease, we undertake to notify members with reasonable notice and to allow them to download the content they are entitled to.

By requesting immediate access to the digital content, the buyer expressly acknowledges that performance of the contract begins upon payment confirmation, and that their right of withdrawal is the one — and only the one — set out in our refund policy.

7. Guarantee and refunds

We offer a 14-day satisfaction guarantee, with no reason required, as long as you have not opened more kits than the limit set for your plan. The full conditions, the procedure and the applicable time limits are set out in our refund policy, which forms an integral part of these terms.

8. Upgrading between plans

A member may move up to a higher plan at any time. The amount already paid for their current plan is credited in full against the price of the target plan: they pay only the difference, to which a promotional discount may apply if an offer is running.

An upgrade is a separate new purchase. It opens its own guarantee period, calculated on the amount actually paid at the time of the upgrade. A plan cannot be downgraded, and the credit is neither refundable nor transferable.

9. Content updates

Updates and content added after purchase are included according to the plan: no updates for the Essential plan, one year of updates for the Pro plan, lifetime updates for the Elite plan. After the applicable period, content already unlocked remains accessible, but new releases do not.

We may modify, reorganize or withdraw content, in particular where a third-party tool it describes changes or is discontinued. In such cases we endeavour to replace it with equivalent content. Such changes do not give rise to any refund.

10. Account and security

Access to the member area requires the creation of a personal account. The information provided must be accurate and kept up to date. The account is strictly personal and non-transferable.

Members are responsible for keeping their credentials confidential and for all activity carried out from their account. They undertake to notify us without delay of any unauthorized use. Sharing credentials with a third party constitutes a serious breach of these terms.

11. Intellectual property and licence of use

The Courtier IA / Broker AI brand, its logo, its visual identity, the site architecture, the texts, images, videos and all educational content are protected by copyright and trademark law, and remain the exclusive property of the publisher or its licensors.

The purchase of a plan grants a personal, non-exclusive, non-transferable and non-assignable licence to use the unlocked content within the member's professional activity. No transfer of intellectual property takes place.

Members may use, adapt and exploit for their own benefit the documents, templates and instructions provided, as well as the texts they produce from them, within their own practice.

12. Prohibited uses

The following are prohibited, in particular:

• reselling, renting, sublicensing, distributing or publishing the platform's content, in whole or in part, in any form whatsoever;
• sharing credentials, pooling an account among several people, or giving access to the content to a third party who does not hold a plan;
• reproducing the content to create a competing training programme, product or service;
• mass-extracting the content by any automated means, or circumventing technical protection or access-control measures;
• using the platform for unlawful, misleading or defamatory purposes, or in a way that infringes the rights of others.

13. Artificial-intelligence generated content

The platform teaches the use of artificial-intelligence tools and provides instructions intended to be submitted to those tools. Results produced by an artificial-intelligence system are generated by third-party services that we do not control.

Such results may be inaccurate, incomplete, outdated, biased, or may unintentionally reproduce protected material. They must be verified, corrected and validated by the user before any distribution, publication or professional use. We give no warranty as to their accuracy, originality or compliance.

Users remain solely responsible for any content they produce, publish or distribute, including where it was generated using the methods taught, and in particular for compliance with the advertising, ethics, confidentiality and personal-information rules applicable to their profession and jurisdiction.

Users undertake not to submit to any artificial-intelligence tool any personal information of their clients or any confidential information without having obtained the required consents and verified the terms of the service used.

14. User's professional responsibility

The platform is intended for professionals practising in jurisdictions whose rules differ. The content is presented for general educational purposes; it does not take into account each user's particular situation or the specific requirements of their professional body, regulator, brokerage or jurisdiction.

It is the user's responsibility to verify that their use of the methods and tools taught complies with the rules binding on them, and to obtain the advice of a qualified professional where necessary. The platform is not recognized for mandatory continuing-education purposes by any professional body, association or regulator, unless expressly stated otherwise.

15. No income or results guarantee

We guarantee the product: the number of kits included in the purchased plan, their accessibility, and the updates corresponding to the plan. We guarantee no results.

The figures, percentages, charts, compensation examples, income illustrations and testimonials presented on the site are provided for illustrative and educational purposes. They describe mechanisms or individual cases and constitute neither a promise, nor a projection, nor a guarantee of results for anyone.

No income, commission, closed transaction, time saving or business performance is promised or guaranteed. Each person's results depend on their market, experience, effort and factors beyond our control, and may be nil. Any professional or financial decision taken on the basis of the site is the sole responsibility of the person making it.

The content of the platform is educational and general in nature. It constitutes neither legal, tax, financial nor investment advice, nor an offer of securities, nor an offer of a franchise or of employment.

16. Independence and absence of affiliation

Broker AI is an independent training platform. Unless expressly stated in writing, it is neither affiliated with, nor sponsored by, nor endorsed by any real-estate brokerage, franchisor, professional body, association, regulator or artificial-intelligence tool provider.

Third-party trademarks, names and logos cited on the site remain the property of their respective owners and are mentioned solely for identification or illustration purposes.

Certain pages present professional opportunities offered by third parties. The terms of those opportunities are exclusively a matter for those third parties, who remain solely responsible for them; we guarantee neither their terms, nor their availability, nor their outcomes.

17. Third-party services, content and links

The platform refers to tools, services, sites and community spaces operated by third parties, including discussion spaces hosted outside the site. These services are governed by their own terms and policies, which users are invited to review.

We exercise no control over these services, their availability, pricing or content, and disclaim all liability in respect of them. The discontinuation or modification of a third-party tool does not call into question a sale already concluded.

18. Service availability and hosting

We use reasonable efforts to keep the platform available, without guaranteeing uninterrupted access. The service may be temporarily suspended for maintenance, updates, or as a result of a hosting provider failure.

The site is hosted and delivered by Vercel Inc., which also serves the images built into the site. The database, authentication and uploaded files (kit images, documents, profile pictures) are provided by Supabase Inc. Videos are hosted and delivered by Cloudflare, Inc. Payments are processed by Stripe, Inc.

19. Suspension and termination

We may suspend or close an account, without refund, in the event of a serious breach of these terms, in particular credential sharing, resale or distribution of the content, automated extraction, or abusive payment disputes. Where circumstances permit, a prior warning is sent to the member.

Members may request closure of their account at any time. Closure entails the loss of access to the content and does not give rise to any refund outside the guarantee set out in the refund policy.

20. Limitation of liability

To the fullest extent permitted by applicable law, our total liability, on any and all grounds, is limited to the amount actually paid by the user during the twelve months preceding the triggering event.

We cannot be held liable for indirect damages, in particular loss of revenue, loss of clientele, loss of data, loss of business opportunity or harm to reputation, arising from the use of or inability to use the platform or its content.

These limitations do not apply in cases of gross negligence or wilful misconduct, nor to the extent prohibited by applicable law. Some jurisdictions do not allow the exclusion of certain warranties; in that case the above limitations apply to the maximum extent permitted.

21. Indemnification

Users agree to indemnify us against any third-party claim arising from their use of the platform in breach of these terms or of the law, in particular from the distribution of content they produced using the methods taught.

22. Governing law and dispute resolution

These terms are governed by the laws applicable at the publisher's place of establishment, excluding conflict-of-law rules. Any dispute falls within the jurisdiction of the competent courts of that jurisdiction.

This clause does not deprive consumer buyers of the benefit of the mandatory provisions of the law of their place of habitual residence, nor of the right to bring proceedings before the courts of that place where the law so provides.

23. Changes to these terms

We may amend these terms. The version applicable to a purchase is the one in force at the time of that purchase. Any substantial change is brought to members' attention by a notice on the platform or by email before it takes effect.

24. Reporting and contact

For any question about these terms, to report content you consider unlawful, or to assert an intellectual-property right, write to contact@broker-ai.ai. We review every report and follow up within a reasonable time.