1. Introduction

Welcome to Shin Financials Inc. (“Company”, “we”, “us”, “our”).
These Terms of Service govern your access to and use of https://www.shinfinancialsinc.com/ (the “Website”) and any products or services offered through it.

By accessing the Website, purchasing products, or subscribing to our services, you agree to be bound by these Terms. If you do not agree, please do not use our services.

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2. Company Information

Legal Name: Shin Financials Inc.
Location: Toronto, Ontario, Canada
Business Type: Online education and digital products
Contact Email: shinfinancials@gmail.com

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3. Services Provided

Shin Financials Inc. provides:

• One-time purchase digital courses

• Subscription-based educational content

• Downloadable Excel files and templates

• Streamed video tutorials and learning materials

All services are delivered digitally.

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4. Eligibility

You must be at least 18 years old to purchase or access our products.

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5. Accounts & Access

• You are responsible for maintaining the security of your account

• Account sharing or credential sharing is not permitted

• We reserve the right to suspend or terminate accounts that violate these Terms or our License Agreement​

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6. Payments & Subscriptions

• All prices are listed in the applicable currency and exclusive of applicable taxes unless stated otherwise

• Taxes (including HST where applicable) will be calculated at checkout

• Subscriptions renew automatically unless cancelled

• You may cancel a subscription at any time; access continues until the end of the billing cycle

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7. Intellectual Property

All content on this Website — including Excel files, videos, text, graphics, logos, and branding — is owned by Shin Financials Inc. or licensed to us.

All digital products are licensed, not sold.
Your use of our content is governed by our License Agreement, which forms part of these Terms.

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8. Prohibited Use

You may not:

• Share, distribute, resell, or sublicense any content

• Use content with other individuals or organizations

• Upload content to public or private repositories

• Use content for commercial training or internal corporate use without written permission

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9. Limitation of Liability

Our services are provided on an “as is” basis.
Shin Financials Inc. is not liable for any indirect, incidental, or consequential damages arising from use of our content.

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10. Governing Law

These Terms are governed by the laws of Ontario, Canada, without regard to conflict of law principles.

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11. Changes to Terms

We may update these Terms from time to time. Continued use of the Website constitutes acceptance of any changes.