These Terms of Service (the “Terms”) are the agreement between you and 10x Technologies (“10x Technologies”, “we”, “us”, or “our”) for the use of our website, learning platform, interactive resources, and courses (together, the “Service”). By using the Service you accept these Terms. If you do not accept them, do not use the Service.
How we handle personal information is set out separately in our Privacy Policy, which forms part of these Terms. Where an organization licenses the Service for its people, our Data Processing Addendum also applies.
1. Who we are
10x Technologies is a Canadian company, operating from Ontario, Canada. We sell and supply the Service ourselves — there is no reseller in between. You can reach us through the contact form, which is the fastest route to a person and the address we use for every notice these Terms mention (refund requests, cancellations, and complaints included).
2. What the Service includes
- Free resources. The interactive tools, learning paths, articles, and analysis published openly on this site. These are free to use, with or without an account.
- Paid courses. Courses you buy access to individually. Access is personal to you and begins when your payment is confirmed.
- Organization accounts. Where an organization licenses the Service, its administrators can enrol members, assign learning, and see reporting on that learning. The organization's own agreement with us governs that licence, and prevails over these Terms where the two conflict.
3. Accounts
You need an account for anything that records progress — enrolments, quiz attempts, certificates, and purchases. You must be at least 16 years old, give accurate information, and keep your sign-in credentials secure. You are responsible for activity under your account. Tell us promptly if you believe it has been used without your authorisation.
We sign you in through an identity provider (currently Microsoft Entra and Google). We do not see or store your password.
4. Purchases and pricing
- Prices are shown before you pay, in the currency stated at checkout. Any tax we are required to collect is shown separately and added at checkout. If a price is not in Canadian dollars, the currency is named beside it.
- A course is a one-time purchase, not a subscription. There is no recurring charge, nothing auto-renews, and we will not charge your payment method again without you actively agreeing to a new purchase.
- Payment is handled by our payment processor. We never receive or store your full card details.
- Access is granted to your account once payment is confirmed, and lasts for the period stated on the course page. It is personal and non-transferable.
- Your copy of the agreement. We email you a copy of what you bought — the course, the price paid, the date, a reference number, and the terms you agreed to — when your payment is confirmed, and in any event within 15 days. Keep it. If it does not arrive, tell us: you are entitled to it, and its absence gives you cancellation rights described below.
- Price changes never apply retroactively to a purchase you have already made.
5. Cancelling, and your statutory rights
This section is deliberately specific, because the rules differ by where you live and because some of them cannot be signed away. Where the law gives you more than these Terms do, the law wins.
Immediate access, and what it costs you
A course is digital content, and we open it to you as soon as payment clears. Before you pay we ask you to confirm two things: that you want access to begin immediately, and that you understand this ends the 14-day right to cancel that would otherwise apply to digital content. We record that confirmation and repeat it in the copy of the agreement we email you.
If you would rather keep the 14-day cancellation right, do not tick that box — contact us instead and we will arrange a purchase that begins after the cancellation period ends.
If you are in the EU or the UK
You normally have 14 days to cancel a distance contract without giving a reason. For digital content supplied immediately, that right ends when you give the confirmation described above — and only then. If you did not give it, or we failed to confirm it to you, the right survives and you owe nothing for content already supplied.
If you are in Ontario, or elsewhere in Canada
Consumer protection legislation gives you rights that apply despite any agreement or waiver to the contrary. Nothing in these Terms removes them, and no clause below should be read as trying to. In particular, for an internet agreement over $50 you may cancel within 7 days of receiving your copy if we failed to disclose the required information before you bought, or to give you a real chance to accept, decline, or correct an error; and within 30 days of the purchase if we failed to deliver your copy of the agreement. Where you cancel under those rules we refund you within 15 days of your demand.
Our own refund promise, on top of all of that
Separately from any statutory right, and even where you have given up the 14-day right by taking immediate access, we will refund you in full within 14 days of purchase if you have completed no more than 20% of the course. Ask through the contact form; we do not require a reason. After that we do not offer refunds except where the law requires one, or where we failed to make the course available to you.
6. Licence to use the Service
Subject to these Terms, we grant you a personal, non-exclusive, non-transferable, revocable licence to access the Service and its content for your own learning and for the internal business purposes of an organization that has enrolled you. All other rights are reserved.
7. Acceptable use
You agree not to:
- Share your account or resell, sublicense, or redistribute paid course material, or make it available to anyone who has not purchased it.
- Scrape, crawl, bulk-download, or systematically copy the Service or its content, or use it to train a machine-learning model.
- Circumvent or attempt to circumvent access controls, paywalls, assessment gating, or rate limits, or take another person's assessment on their behalf.
- Upload malware, or submit content that is unlawful, defamatory, harassing, infringing, or that contains other people's personal information without a lawful basis.
- Probe, scan, or test the security of the Service except under a written authorisation from us, or interfere with its availability for others.
- Misrepresent a certificate — for example by altering one, or presenting one as evidence of an assessment you did not complete yourself.
We may suspend or terminate access that breaches this section, and where the breach is serious we may do so without notice. Suspension for breach does not remove a refund or cancellation right you already had — those are dealt with in section 5.
8. Content you submit
You keep ownership of what you submit — discussion comments, ratings, workshop notes, assessment answers, and the artifacts you produce in a course. You grant us a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, and display that content only as far as is needed to operate the Service and provide it to you and, where applicable, to the organization that enrolled you.
Do not submit anything you do not have the right to submit. We may remove content that breaches these Terms.
9. Our intellectual property
The Service, its interactive tools, course material, assessments, design system, and the software behind it are owned by us or our licensors and are protected by copyright and other laws. Nothing in these Terms transfers any of it to you.
10. Certificates
A certificate records that a named account completed a defined sequence of material on this platform and met its assessment threshold on the date shown. It is not an academic credential, a professional designation, or an accreditation, and it is not awarded by any accrediting body. We may verify or revoke a certificate we believe was obtained in breach of section 6.
11. Availability and support
We aim to keep the Service available and will use commercially reasonable efforts to do so, but we do not commit to an uptime level for free resources or individual paid courses. Maintenance, third-party outages, and changes outside our control can interrupt it. Where an organization's agreement with us includes a service level, that agreement governs.
We may change, suspend, or discontinue parts of the Service. If we withdraw a paid course you have current access to, we will give you a pro-rata refund for the unexpired period.
12. Third-party services and links
The Service depends on third parties — identity providers, cloud hosting, email delivery, payment processing, and (for optional AI features) a model provider. Their own terms apply to what they do. Links to external material are provided for convenience and are not endorsements, and we are not responsible for external content.
13. Disclaimers
The Service and its content are educational. They are not legal, financial, medical, security, engineering, or professional advice, and no relationship of that kind is created by using them. Decisions you take remain yours.
To the maximum extent permitted by law, the Service is provided “as is” and “as available”, and we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. Some jurisdictions do not allow these exclusions, in which case they apply to you only as far as the law allows.
14. Limitation of liability
To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, or loss of goodwill, however caused.
Our total aggregate liability arising out of or relating to the Service or these Terms is limited to the greater of (a) the amount you paid us in the twelve months before the event giving rise to the claim, and (b) CAD $100.
This cap does not touch your statutory rights, and cannot. Nothing in these Terms limits liability that cannot lawfully be limited — including for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or breach of a statutory guarantee or condition.
For consumers specifically: rights under consumer protection legislation — in Ontario, the Consumer Protection Act; in the EU and UK, the consumer rights and distance-selling rules — apply despite any agreement or waiver to the contrary. Where this section and that legislation disagree, the legislation governs and the rest of this section still stands. If a court finds any part of this cap unenforceable against you, that part is severed and the remainder continues to apply.
15. Indemnity
If you use the Service in breach of these Terms or of the law, you agree to indemnify us against third-party claims, damages, and reasonable legal costs arising from that use. This does not apply to consumers where the law does not permit it.
16. Term, suspension, and termination
These Terms apply for as long as you use the Service. You may stop at any time and may ask us to delete your account — see the Privacy Policy for how deletion works and what we are required to retain.
We may suspend or terminate your access if you breach these Terms, if we are required to by law, or if we discontinue the Service. On termination, sections 8 (as to licences already granted), 9, and 13 to 19 survive.
17. Changes to these Terms
We may update these Terms. We will change the “Last updated” date above, and for changes that materially reduce your rights we will give notice — by email to account holders, or a notice on the Service — at least 30 days before they take effect. Continuing to use the Service after that means you accept the updated Terms. Changes never apply retroactively to a purchase you have already made.
18. Governing law and disputes
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there, without regard to conflict-of-laws rules.
If you are a consumer, this choice does not deprive you of the protection of the mandatory law of the country you live in, and you may bring proceedings in the courts of your own place of residence. We will bring any claim against a consumer only in those courts. For business customers, the courts of Ontario have exclusive jurisdiction.
We do not require arbitration and we do not ask you to waive any right to participate in a class proceeding. Consumer protection legislation in Ontario would not permit it, and we would rather the clause not be there than have one a court strikes out.
Before starting proceedings, please contact us — most disputes can be resolved directly and quickly.
19. General
If a provision of these Terms is held unenforceable, the rest continues to apply. Our not enforcing a provision is not a waiver of it. You may not assign these Terms; we may assign them as part of a reorganisation or sale of the business. These Terms, the Privacy Policy, and (where applicable) the Data Processing Addendum and an organization's licence agreement are the entire agreement between us on this subject.
20. Contact us
Questions about these Terms, a refund, or a certificate: use the contact form.