Effective Date: [July 2023]
1. IntroductionWelcome to CIQHR™.These Website Terms of Use ("Terms") govern access to and use of all websites, online platforms, learning management systems, mobile services, digital products, memberships, educational resources, communications, and related services operated by QOLD Business & People Development Inc., an Ontario, Canada corporation, operating under the trade names CIQHR™ Website, LHRC™, and any affiliated brands, divisions, websites, domains, products, or services (collectively referred to as "CIQHR", "we", "our", or "us").These Terms apply to every visitor, registered user, participant, customer, member, instructor, partner, reseller, corporate client, affiliate, and any other person accessing or using our websites or services.By accessing, browsing, registering for, purchasing, downloading, or otherwise using any portion of the Website or Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms, together with any policies expressly incorporated by reference, including but not limited to our Privacy Policy, Training Terms and Conditions, Refund Policy, Intellectual Property Policy, Cookie Policy, Acceptable Use Policy, Participant Code of Conduct, and any additional policies made available through our Website.If you do not agree with these Terms, you must immediately discontinue use of the Website and Services.
2. DefinitionsFor purposes of these Terms:"Company" means QOLD Business & People Development Inc., including its directors, officers, employees, contractors, affiliates, instructors, representatives, licensors, successors, assigns, subsidiaries, operating divisions, brands, and authorized service providers."CIQHR™" refers to the operating website's brand, together with its websites, educational & training services, memberships, publications, trademarks, programs, and related offerings."LHRC™" refers collectively to the family of LHRC educational programs, including but not limited to Lead HR Consultancy™, Lead HR Coaching™, Lead HR Co-ordination™, and future LHRC-branded educational offerings."Website" includes all websites, subdomains, landing pages, online portals, mobile versions, learning management systems (LMS), applications, digital interfaces, and online services owned, operated, or controlled by the Company."Services" include educational programs, online courses, memberships, coaching sessions, consulting support where offered, webinars, downloadable materials, digital products, assessments, templates, videos, publications, communications, events, and any related offerings made available by the Company."Content" includes all text, graphics, photographs, logos, icons, videos, audio, documents, presentations, forms, templates, policies, reports, methodologies, frameworks, assessments, quizzes, examinations, workflows, software, code, databases, marketing materials, AI-generated or AI-assisted materials, educational resources, and any other information made available through the Website or Services."User", "Participant", or "You" means any individual or organization accessing or using the Website or Services."Account" means any registered user profile created to access the Website, educational programs, memberships, or Services.
3. Educational Nature of ServicesUnless expressly stated otherwise in writing, CIQHR provides private educational and professional development services intended to support learning and professional knowledge development.Our educational programs, learning resources, coaching sessions, memberships, templates, forms, assessments, reports, publications, examples, and related materials are provided for educational purposes only.Nothing available through the Website or Services shall be interpreted as:• legal advice; • employment advice; • tax advice; • accounting advice; • financial advice; • immigration advice; • regulatory advice; • compliance advice; • professional certification; • government approval; • occupational licensing; • statutory accreditation; • academic credit; • university education; • legal authorization to provide regulated professional services. Participants remain solely responsible for exercising their own professional judgment and obtaining appropriate independent advice where necessary.
4. No Professional Licensing or Government RecognitionUnless expressly stated otherwise in a written agreement by the Company management, participation in, completion of, or purchase of any program, service, membership, coaching session, assessment, or educational activity does not constitute or confer:• professional licensing; • government authorization; • statutory certification; • regulatory approval; • employment qualification; • academic qualification; • university credit; • professional designation; • legal authority to practice a regulated profession; • recognition by any governmental authority, employer, professional association, accreditation body, or regulatory organization. Where a Certificate of Completion is issued, it confirms only that the participant completed the educational activity in accordance with the applicable program requirements. It should not be interpreted as a professional license, occupational certification, statutory qualification, or governmental endorsement.Where references are made to CPD recognition or continuing professional development, such references relate solely to the educational activity itself and do not constitute governmental approval, occupational licensing, or regulatory authorization.
5. Brand IdentityCIQHR™ & LHRC™ are operating brands of QOLD Business & People Development Inc.The name CIQHR & LHRC is used solely as a registered trade name and brand identifier. It should not be interpreted as indicating that the Company is a governmental authority, statutory qualification body, university, licensing authority, professional regulator, or public educational institution unless expressly stated otherwise in writing.All references to CIQHR™, LHRC™, or related brands refer to private educational and professional development activities provided by the Company.
6. EligibilityThe Website and Services are intended for individuals who are legally capable of entering into binding contracts under the laws applicable in their jurisdiction.By accessing or using the Website or Services, you represent and warrant that:• You have the legal capacity and authority to enter into these Terms. • All information you provide is accurate, complete, and current. • You will promptly update any information that becomes inaccurate or incomplete. • Your use of the Website and Services complies with all applicable laws, regulations, contractual obligations, and professional responsibilities. • If you register on behalf of an organization, employer, or other legal entity, you represent that you have the authority to bind that organization to these Terms. 
Certain programs may have recommended experience, eligibility criteria, or prerequisites. Unless expressly stated otherwise, such requirements are intended to assist participants in selecting appropriate learning opportunities and should not be interpreted as admissions criteria, professional licensing requirements, or guarantees of program suitability.The Company reserves the right, where reasonably necessary and permitted by applicable law, to refuse, suspend, or cancel registrations that do not comply with these Terms or published program requirements.
7. Registration and User AccountsCertain features of the Website or Services require creating a user account.When creating an account, you agree to:• provide complete, accurate, and current registration information; • maintain the accuracy of your account information; • protect the confidentiality of your login credentials; • use only your own account unless expressly authorized otherwise by the Company; • notify the Company promptly of any suspected unauthorized access or security breach involving your account. You are responsible for all activities conducted through your account unless unauthorized use results directly from the Company's failure to maintain reasonable security measures.The Company reserves the right to verify account information where reasonably necessary for security, fraud prevention, regulatory compliance, or program administration.
8. Account SecurityYou are responsible for maintaining appropriate security measures to protect your devices, passwords, authentication credentials, internet connection, and your account access.You agree not to:• share your login credentials with another person; • permit multiple individuals to access Services through a single account unless expressly authorized; • attempt to bypass authentication procedures; • create fraudulent or duplicate accounts; • impersonate another individual or organization. The Company may suspend or restrict access where there is a reasonable belief that account security has been compromised or these Terms have been violated.
9. Acceptable UseYou agree to use the Website and Services lawfully, responsibly, and in a manner consistent with these Terms.You agree that you will not:• violate any applicable law or regulation; • interfere with the operation, availability, or security of the Website; • misuse the educational resources provided; • engage in fraudulent, misleading, deceptive, abusive, or unlawful conduct; • upload malicious software, viruses, ransomware, spyware, or other harmful code; • attempt unauthorized access to servers, databases, systems, or user accounts; • interfere with other users' ability to access the Website; • submit false identities or misleading information; • use the Website for unlawful commercial activities; • infringe intellectual property rights; • harass, threaten, intimidate, or abuse other users, instructors, employees, partners, or representatives. The Company may investigate suspected violations and take appropriate action consistent with applicable law.
10. Prohibited ActivitiesWithout limiting other provisions of these Terms, Users shall not:• reproduce, duplicate, copy, distribute, sell, sublicense, lease, rent, publish, transmit, or otherwise exploit Website Content without prior written authorization; • scrape, harvest, crawl, index, or systematically collect Website content using automated or manual methods except where expressly permitted by law or written authorization; • use robots, spiders, bots, automated scripts, AI agents, or similar technologies to extract or collect Website Content without written authorization; • attempt to reverse engineer, decompile, decode, modify, or disassemble software or systems provided through the Website, except where prohibited from restricting such rights under applicable law; • remove copyright notices, trademarks, watermarks, metadata, or proprietary notices; • create derivative educational materials substantially based upon proprietary Company materials in a manner that infringes applicable intellectual property rights; • falsely imply endorsement, sponsorship, partnership, certification, or affiliation with the Company; • use Company trademarks, branding, logos, certificates, badges, or marketing materials without prior written authorization; • interfere with security features or digital rights management technologies. Nothing in this section limits any rights that cannot lawfully be excluded under applicable legislation.
11. Artificial Intelligence and Automated SystemsExcept where expressly authorized in writing, Users shall not use Website Content or Services for the purpose of:• training machine learning models; • training generative artificial intelligence systems; • developing datasets; • automated prompt extraction; • automated content generation based substantially upon proprietary Company materials; • large-scale automated data collection; • systematic content harvesting; • creation of competing educational datasets. The Company reserves all intellectual property and proprietary rights relating to its educational methodologies, frameworks, learning materials, assessments, templates, examples, instructional content, AI-assisted materials, and related resources.Nothing in this section restricts uses expressly permitted by applicable copyright or other mandatory laws.
12. Monitoring and SecurityTo help maintain the integrity, availability, and security of the Website and Services, the Company may implement reasonable administrative, technical, and organizational measures, including monitoring for system performance, fraud prevention, abuse detection, cybersecurity, and compliance with these Terms, subject to applicable privacy and data protection laws.The Company does not guarantee that unauthorized third parties will never be able to circumvent security measures. Users are encouraged to maintain appropriate cybersecurity practices when accessing the Website or Services.
13. Suspension and Termination of AccessThe Company may suspend, restrict, or terminate access to all or part of the Website or Services where reasonably necessary to:• protect the security or integrity of the Website; • investigate suspected violations of these Terms; • comply with applicable laws, regulations, court orders, or lawful governmental requests; • protect the rights, property, safety, reputation, or legitimate interests of the Company, its users, instructors, partners, or third parties; • perform scheduled maintenance, upgrades, or system improvements; • address payment disputes, fraud, or unauthorized account activity. Where reasonably practicable, the Company will endeavour to provide notice before terminating access, except where immediate action is reasonably necessary.Termination of Website access does not automatically cancel any separate contractual obligations arising from program registrations, purchases, partnership agreements, or other written agreements unless expressly stated.

14. Ownership of Intellectual PropertyUnless expressly stated otherwise in writing, all intellectual property rights associated with the Website, Services, and Content are owned by or licensed to QOLD Business & People Development Inc., including its operating brands CIQHR™, LHRC™, and related programs.Protected intellectual property includes, without limitation:• trademarks; • service marks; • trade names; • logos; • branding; • program names; • course titles; • educational methodologies; • instructional frameworks; • HR models; • assessment methodologies; • templates; • forms; • reports; • policies; • procedures; • workflows; • checklists; • scorecards; • presentations; • videos; • audio recordings; • downloadable materials; • workbooks; • manuals; • graphics; • icons; • website design; • software; • databases; • AI-assisted educational materials; • learning management systems; • source code; • text; • photographs; • illustrations; • publications; • marketing materials; • coaching materials; • partner resources; • reseller resources; • future updates, revisions, improvements, adaptations, translations, and derivative works. Nothing contained within the Website or Services transfers ownership of any intellectual property rights to any User.All rights not expressly granted are reserved.
15. Limited LicenseSubject to these Terms and any applicable program-specific agreement, the Company grants registered participants a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use purchased educational materials solely for their own individual educational and professional development purposes.Unless expressly authorized in writing by the Company, this license does not permit Users to:• reproduce educational materials; • distribute materials to third parties; • upload materials to another website or platform; • publish materials publicly; • modify proprietary materials; • create derivative educational works that infringe the Company's intellectual property rights; • commercialize program materials; • sublicense access; • transfer access; • share login credentials; • use materials for unauthorized commercial training; • incorporate substantial portions of Company materials into another course, certification, coaching program, publication, software product, AI model, or educational offering. Any permissions expressly granted remain subject to applicable license terms communicated by the Company.
16. Educational ResourcesEducational materials made available through the Website may include examples, templates, checklists, forms, reports, policies, HR documentation, sample procedures, assessments, implementation examples, AI-assisted content, reference materials, learning exercises, and other educational resources.Unless expressly stated otherwise, these resources are provided solely for educational and professional learning purposes.Participants remain solely responsible for:• reviewing all materials before use; • determining their suitability; • adapting them for their organization; • ensuring compliance with applicable laws; • ensuring compliance with employer requirements; • obtaining professional advice where appropriate. The Company makes no representation that any educational resource is suitable for every jurisdiction, organization, industry, employer, or regulatory environment.
17. Copyright ProtectionAll Website Content is protected under applicable Canadian and international copyright laws, trademark laws, intellectual property laws, and international treaties where applicable.Except as expressly permitted by applicable law or written authorization, Users shall not:• copy; • reproduce; • print for redistribution; • republish; • broadcast; • transmit; • upload; • distribute; • display publicly; • translate; • adapt; • modify; • sell; • lease; • rent; • sublicense; • create derivative works; • commercially exploit; • digitize; • archive; • index; • compile into databases; • use substantial portions of Company Content for any commercial purpose. Unauthorized use may result in suspension of access and the Company reserving the right to pursue remedies available under applicable law.
18. Trademarks and Brand ProtectionThe following names, brands, logos, slogans, and identifiers may constitute trademarks, trade names, service marks, or proprietary branding of the Company or their respective owners, whether registered, pending registration, or protected under applicable law:• CIQHR™ • LHRC™ • Lead HR Consultancy™ • Lead HR Coaching™ • Lead HR Co-ordination™ • QOLD™ • QOLD Business & People Development Inc. and all associated logos, visual identities, badges, graphics, marketing materials, certification designs, icons, trade dress, colour schemes, and branding elements.
Nothing contained within the Website grants permission to use any trademark or branding without prior written authorization.Users shall not:• register confusingly similar domain names; • create misleading social media accounts; • use Company branding in advertising; • imply endorsement or affiliation; • misrepresent authorization to represent the Company. 
19. Certificates of CompletionWhere applicable, participants who satisfy published program requirements may receive a Certificate of Completion.Unless expressly stated otherwise in writing, Certificates of Completion:• confirm only completion of the educational activity; • do not constitute professional certification; • do not constitute occupational licensing; • do not constitute government approval; • do not constitute academic credit; • do not authorize the holder to practice any regulated profession; • do not guarantee employment, promotion, consulting opportunities, business success, or professional recognition. Certificates remain subject to verification by the Company management.The Company reserves the right to revoke, correct, reissue, or refuse to issue certificates where reasonably necessary due to administrative error, fraud, misuse, policy violations, or inaccurate participant information.
20. Use of Certificates, Badges, and LogosParticipants may refer to the successful completion of a program in a truthful and non-misleading manner.Unless expressly authorized in writing, participants shall not:• alter certificates; • modify badges; • reproduce Company logos; • create misleading credentials; • imply Company endorsement; • represent themselves as employees, representatives, partners, certified consultants, accredited trainers, or official instructors of the Company. Where digital badges or profile listings are offered, their use remains subject to separate program terms and may be modified or withdrawn in accordance with Company policies.
21. User-Generated ContentWhere the Website permits Users to submit comments, assignments, testimonials, discussion posts, questions, reviews, or other materials ("User Content"), Users retain ownership of their original content.By submitting User Content, you grant the Company a worldwide, non-exclusive, royalty-free license to use, reproduce, display, store, and communicate such content solely for purposes related to operating, administering, improving, securing, and promoting the Services, subject to applicable privacy laws and any separate consent requirements for marketing use.You represent that you have the necessary rights to submit the User Content and that it does not infringe the rights of any third party.The Company reserves the right, but not the obligation, to remove User Content that reasonably appears to violate these Terms, applicable law, or the rights of others.

22. Program RegistrationRegistration for any program, membership, coaching session, webinar, event, educational resource, or Service is subject to availability and acceptance by the Company.The Company reserves the right to accept, decline, postpone, cancel, or limit registrations where reasonably necessary for operational, administrative, security, legal, compliance, quality assurance, or other legitimate business reasons.Submission of a registration form does not guarantee acceptance into any program until payment has been successfully processed (where applicable) and registration has been confirmed by the Company.The Company may request additional information where reasonably necessary to verify eligibility, identity, payment information, or compliance with applicable policies.
23. Pricing and PaymentsAll prices displayed on the Website are stated in the applicable currency identified at the time of purchase unless otherwise indicated.Prices, discounts, promotional offers, taxes, payment methods, exchange rates, and applicable fees may change without prior notice. Such changes will not affect purchases already confirmed unless required by applicable law.Participants agree to pay all applicable charges associated with their selected Services.The Company may use third-party payment processors to facilitate transactions. Payment processing is subject to the terms, conditions, and privacy practices of the applicable payment provider.The Company does not store complete payment card information unless expressly stated.
24. Promotional OffersFrom time to time, the Company may offer promotional pricing, discounts, coupon codes, scholarships, country-specific pricing, or limited-time offers.Unless expressly stated otherwise:• promotional offers cannot be combined; • promotional offers have no cash value; • promotional offers are non-transferable; • promotional offers may expire without notice; • promotional offers apply only to eligible purchases completed during the promotional period. The Company reserves the right to modify, suspend, correct, or withdraw promotional offers where reasonably necessary, including in cases of pricing errors, fraud, technical issues, or misuse.
25. Refund PolicyRefund eligibility is governed exclusively by the Company's published Refund Policy, which forms part of these Terms.By completing a purchase, Participants acknowledge that they have reviewed and accepted the applicable Refund Policy before payment.Where a refund is approved:• refunds will normally be issued using the original payment method where reasonably practicable; • processing times may vary depending on financial institutions and payment providers; • certain taxes, banking fees, exchange rate differences, or third-party transaction fees may not be refundable where permitted by applicable law. Nothing in these Terms limits any non-waivable consumer rights provided under applicable legislation.
26. Chargebacks and Payment DisputesParticipants agree to contact the Company before initiating a payment dispute or chargeback so that reasonable efforts may be made to resolve the matter.The Company reserves the right to suspend access to Services during the investigation of disputed transactions where reasonably necessary.Nothing in this section restricts a Participant's legal right to dispute a payment through their financial institution where permitted by applicable law.Where a chargeback is determined in favour of the Company or results from fraudulent or unauthorized conduct by the Participant, the Company reserves the right to recover unpaid amounts, applicable administrative costs where permitted by law, and reasonable collection expenses.
27. Program AccessAccess to educational programs is provided subject to:• successful registration; • completed payment where applicable; • compliance with these Terms; • compliance with program-specific requirements. Access periods, expiration dates, learning schedules, coaching sessions, memberships, downloadable materials, and other participant benefits are governed by the applicable program description or written agreement.Where access is extended as a courtesy, such extension does not create any ongoing entitlement to future extensions.Unless otherwise agreed in writing, expired access periods may result in suspension or termination of access to online learning materials.
28. Educational Platform AvailabilityThe Company uses commercially reasonable efforts to maintain the availability of its Website and learning platforms.However, uninterrupted availability cannot be guaranteed.Services may occasionally be unavailable due to:• scheduled maintenance; • software updates; • cybersecurity measures; • internet disruptions; • hosting provider issues; • telecommunications failures; • third-party platform interruptions; • force majeure events; • circumstances beyond the Company's reasonable control. Temporary interruptions shall not constitute a breach of these Terms.
29. Technology RequirementsParticipants are responsible for maintaining suitable technology required to access the Services, including appropriate:• internet access; • compatible web browser; • computer or mobile device; • operating system; • software updates; • audio equipment; • security software. The Company is not responsible for technical issues arising from a Participant's own equipment, internet provider, security settings, workplace restrictions, firewalls, or third-party software.
30. Coaching Sessions and Live ActivitiesWhere coaching sessions, webinars, consultations, or live educational activities are included, scheduling remains subject to instructor availability, operational requirements, participant attendance, and applicable program policies.Unless expressly stated otherwise:• missed appointments may not be rescheduled; • unused coaching sessions may expire; • coaching is educational in nature; • coaching does not constitute consulting, legal advice, employment advice, psychological counselling, financial advice, or regulated professional services. The Company reserves the right to substitute facilitators where reasonably necessary.
31. MembershipsWhere a program includes membership benefits, such benefits remain subject to the applicable Membership Terms.Membership benefits may include educational resources, networking opportunities, profile listings, newsletters, webinars, discounts, or other services described by the Company.The Company reserves the right to modify membership features, provided that any material changes are made in accordance with applicable law.Membership does not constitute professional licensing, certification, regulatory approval, or endorsement by the Company.
32. Optional Profile ListingsCertain programs may offer participants the opportunity to request inclusion in a public or member-accessible directory or profile listing.Profile listings are provided solely as an informational service.The Company does not verify or guarantee:• professional competence; • qualifications; • experience; • employment status; • consulting abilities; • business performance; • regulatory compliance. The Company reserves the right to approve, decline, edit, suspend, or remove listings that do not comply with Company policies or applicable law.
33. CommunicationsBy registering for the Website or Services, Participants consent to receive communications reasonably necessary for the administration of their account, including:• registration confirmations; • payment confirmations; • login information; • security notifications; • program updates; • technical support communications; • educational reminders; • certificate notifications; • policy updates; • service announcements. Where required by applicable law, promotional or marketing communications will be sent only in accordance with the Participant's communication preferences and applicable consent requirements. Participants may unsubscribe from promotional communications without affecting essential service-related communications.
34. Electronic RecordsThe Company may maintain electronic records relating to registrations, purchases, payments, communications, policy acceptance, certificates, learning progress, and other interactions with the Website or Services.To the extent permitted by applicable law, such electronic records may be relied upon for operational, administrative, security, compliance, and evidentiary purposes.Participants are encouraged to retain copies of receipts, confirmations, and important communications for their own records.35. Third-Party Services and LinksThe Website or Services may contain links to, integrate with, or rely upon third-party websites, software, learning platforms, payment processors, communication services, video conferencing platforms, artificial intelligence tools, cloud providers, or other external services.Such third-party services are provided for convenience only.The Company does not own or control these third-party services and does not warrant or guarantee their availability, accuracy, security, reliability, functionality, or compliance with applicable laws.Your use of any third-party service is governed by that provider's own terms and privacy policies.The Company is not responsible for any loss, damage, interruption, or dispute arising from your use of third-party services.
36. No Professional AdviceAll information, educational materials, examples, discussions, templates, coaching sessions, webinars, reports, forms, videos, assessments, AI-assisted content, publications, and related resources are provided solely for educational and professional development purposes.Nothing contained within the Website or Services constitutes:• legal advice; • employment advice; • immigration advice; • tax advice; • accounting advice; • financial advice; • investment advice; • regulatory advice; • compliance advice; • psychological counselling; • medical advice; • business consulting; • professional engineering advice; or • any other regulated professional service. Participants remain solely responsible for obtaining independent professional advice appropriate to their own circumstances.
37. No WarrantyTo the fullest extent permitted by applicable law, the Website, Services, educational materials, memberships, coaching sessions, certificates, digital resources, downloads, and all related Content are provided on an "as available" and "as is" basis.The Company does not warrant or guarantee that:• the Website will always be available; • access will be uninterrupted; • Services will always operate without delay; • Content will always be complete or current; • educational materials will meet every participant's expectations; • learning outcomes will be identical for all participants; • technical errors will never occur; • the Website will be free from every security vulnerability; • participation will result in employment, promotion, income, business opportunities, consulting engagements, or professional recognition. Nothing in this section excludes warranties that cannot lawfully be excluded under applicable legislation.
38. Educational OutcomesEducational experiences vary between participants.Individual understanding, implementation, workplace application, organizational results, and professional development outcomes depend upon numerous factors including, but not limited to:• prior experience; • individual effort; • workplace environment; • employer support; • local legal requirements; • organizational policies; • industry practices; • professional judgment. The Company makes no representation or guarantee regarding any specific educational, professional, financial, commercial, employment, consulting, or business outcome resulting from participation.
39. Limitation of LiabilityTo the fullest extent permitted by applicable law, the aggregate liability of the Company arising out of or relating to the Website, Services, or these Terms shall not exceed the total amount actually paid by the Participant to the Company for the specific Service giving rise to the claim during the twelve (12) months immediately preceding the event giving rise to the claim.To the fullest extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, consequential, exemplary, punitive, special, or similar damages, including but not limited to:• loss of profits; • loss of revenue; • loss of business opportunity; • loss of goodwill; • business interruption; • loss of anticipated savings; • loss of data; • reputational harm; • procurement of substitute services; even if advised of the possibility of such damages.Nothing in these Terms excludes or limits liability where such exclusion is prohibited by applicable law, including liability arising from fraud, fraudulent misrepresentation, gross negligence where non-excludable, or death or personal injury caused by negligence where applicable.
40. IndemnificationTo the extent permitted by applicable law, you agree to indemnify and hold harmless the Company, its directors, officers, employees, instructors, contractors, licensors, affiliates, successors, and assigns from and against reasonable claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising from:• your breach of these Terms; • your unlawful use of the Website or Services; • infringement of intellectual property rights by content you submit; • your violation of applicable laws; • your misuse of educational materials; • your negligent or wrongful conduct. This obligation applies only to the extent that the claim results from your own acts or omissions.
41. Force MajeureThe Company shall not be responsible for delays, interruptions, or failures in performance resulting from events beyond its reasonable control, including but not limited to:• natural disasters; • pandemics; • epidemics; • acts of government; • changes in applicable law; • court orders; • cyberattacks; • internet failures; • utility outages; • labour disputes; • telecommunications failures; • hosting failures; • supplier interruptions; • civil unrest; • war; • terrorism; or • other force majeure events. Where reasonably practicable, the Company will use commercially reasonable efforts to resume Services as soon as circumstances reasonably permit.
42. Governing LawThese Terms shall be governed by and interpreted in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.Where mandatory laws of another jurisdiction apply and cannot lawfully be excluded, those mandatory rights remain unaffected.
43. Dispute ResolutionThe Company encourages participants to contact us first in order to resolve any questions or disputes informally.If a dispute cannot be resolved through good-faith discussions, the parties may pursue any remedies available under applicable law.Unless prohibited by applicable legislation or agreed otherwise in writing, the parties agree that the courts located in the Province of Ontario, Canada, shall have exclusive jurisdiction over disputes arising from these Terms.Nothing in this section prevents either party from seeking interim or injunctive relief where appropriate to protect intellectual property, confidential information, or other legal rights.
44. SeverabilityIf any provision of these Terms is determined by a court of competent jurisdiction to be invalid, unlawful, or unenforceable, that provision shall be interpreted, modified, or severed only to the extent necessary, and the remaining provisions shall remain in full force and effect.
45. No WaiverFailure by the Company to enforce any provision of these Terms shall not constitute a waiver of that provision or of any other rights.Any waiver must be in writing and signed by an authorized representative of the Company.
46. AssignmentParticipants may not assign, transfer, sublicense, delegate, or otherwise dispose of any rights or obligations arising under these Terms without the Company's prior written consent.The Company may assign or transfer these Terms in connection with a merger, acquisition, corporate restructuring, sale of assets, or other legitimate business transaction.
47. SurvivalThe following provisions shall survive termination or expiration of these Terms to the extent necessary to give them effect:• Intellectual Property • Limited License • Certificates • Confidentiality • Payment Obligations • Refund Provisions • Limitation of Liability • Indemnification • Governing Law • Dispute Resolution • Privacy obligations where applicable • Any other provisions that by their nature are intended to survive. 
48. Changes to these TermsThe Company may revise these Terms from time to time to reflect changes in law, technology, business operations, security practices, or Services.Updated versions will be published on the Website together with the revised effective date.Material changes will take effect after publication or such later date as specified in the updated Terms.Continued use of the Website or Services after revised Terms become effective constitutes acceptance of those revisions.Where required by applicable law, the Company will provide additional notice of material changes.
49. Entire AgreementThese Terms, together with any policies expressly incorporated by reference, including the Privacy Policy, Training Terms and Conditions, Refund Policy, Intellectual Property Policy, Cookie Policy, Acceptable Use Policy, Participant Code of Conduct, and any applicable written agreements, constitute the entire agreement between the Participant and the Company concerning use of the Website and Services.These Terms supersede all prior discussions, communications, representations, understandings, or agreements relating to the same subject matter, except where expressly preserved in writing.
50. Contact InformationQuestions regarding these Terms may be directed to:QOLD Business & People Development Inc.Operating as CIQHR™ & LHRCEmail: ac.rhqic%40ofni, moc.rhqic%40ofni Website: www.ciqhr.ca www.ciqhr.com