Terms and Conditions

Effective Date: July 15, 2025

This agreement applies as between you, the User of this Website and DLC Associates, the owner of this Website. By using this Website, you agree to comply with and be bound by the terms below. If you do not agree, please discontinue use immediately.

1. Definitions and Interpretation

"Account"Your profile, login information, and payment details.
"Content"All content and materials on this Website.
"Facilities"All online tools, services, or resources provided by DLC Associates.
"Services"Financial coaching and digital services via this Website.
"Payment Information"Any payment method or financial details provided.
"System"Any online communication tools provided through the Website.
"User"Any person using this Website not employed by DLC Associates. 
"Website": www.boldbalanceblueprint.ca and associated subdomains.
"We/Us/Our": DLC Associates, a registered business in Ontario.

2. Age Restrictions

Must be 18+ or have guardian consent to use this Website and purchase services.


3. Business Customers

These Terms and Conditions also apply to customers procuring Services in the course of business.


4. Intellectual Property

  • 4.1 Subject to the exceptions in Clause 5 of these Terms and Conditions, all Content included on the Website is the property of DLC Associates, our affiliates or other relevant third parties. By continuing to use the Website you acknowledge that any and all such material is protected by applicable and International intellectual property and other laws.
  • 4.2 Subject to Clause 6 you may not reproduce, copy, distribute, disseminate, store or, in any other manner, use or re-use material from the Website unless otherwise expressly permitted on the Website or unless given Our express prior written permission to do so.

5. Third Party Intellectual Property

  • 5.1 Unless otherwise expressly indicated on the Website or downloadable content, all Intellectual Property rights including, but not limited to, Copyright and Trademarks, in product images and descriptions belong to the manufacturers or distributors of such products as may be applicable.
  • 5.2 Subject to Clause 6 you may not reproduce, copy, distribute, disseminate, store or in any other fashion re-use such material unless otherwise indicated on the Website or unless given express written permission to do so by the relevant manufacturer or supplier.

6. Fair Use of Intellectual Property

Material from the Website may be used or re-used without written permission where any of the exceptions detailed in the Copyright Act (R.S.C., 1985, c. C-42), which governs copyright law across all Canadian provinces and territories.

7. Links to Other Websites

Material from the Website may be used or re-used without written permission where any of the exceptions detailed in the Copyright Act (R.S.C., 1985, c. C-42), which governs copyright law across all Canadian provinces and territories.

8. Links to this Website

Those wishing to place a link to this Website on other sites may do so only to the home page of the site www.boldbalanceblueprint.ca without Our prior permission. Deep linking (i.e. links to specific pages within the site) requires Our express written permission. To find out more please contact Us by email at shelley@dlcassociates-coaching.com.

9. Use of Communications Facilities

  • 9.1 When using any System on the Website you should do so in accordance with the following rules. Failure to comply with these rules may result in your Account being suspended or closed:
  • 9.1.1 You must not use obscene or vulgar language;
  • 9.1.2 You must not submit Content that is unlawful or otherwise objectionable. This includes, but is not limited to, Content that is abusive, threatening, harassing, defamatory, ageist, sexist or racist;
  • 9.1.3 You must not submit Content that is intended to promote or incite violence;
  • 9.1.4 It is advised that submissions are made using the English language as We may be unable to respond to enquiries submitted in any other languages;
  • 9.1.5 The means by which you identify yourself must not violate these Terms and Conditions or any applicable laws;
  • 9.1.6 You must not impersonate other people, particularly employees and representatives of Us or Our affiliates; and
  • 9.1.7 You must not use Our System for unauthorised mass-communication such as "spam" or "junk mail".
  • 9.2 You acknowledge that We reserve the right to monitor any and all communications made to Us or using Our System.
  • 9.3 You acknowledge that We may retain copies of any and all communications made to Us or using Our System.
  • 9.4 You acknowledge that any information you send to Us through Our System may be modified by Us in any way and you hereby waive your moral right to be identified as the author of such information. Any restrictions you may wish to place upon Our use of such information must be communicated to Us in advance and We reserve the right to reject such terms and associated information.

10. Accounts

  • 10.1 In order to procure Services on this Website and to use certain other parts of the System, you are required to create an Account which will contain certain personal details and Payment Information which may vary based upon your use of the Website as We may not require Payment Information until you wish to make a purchase. By continuing to use this Website, you represent and warrant that:
  • 10.1.1 all information you submit is accurate and truthful;
  • 10.1.2 you have permission to submit Payment Information where permission may be required; and
  • 10.1.3 you will keep this information accurate and up-to-date. Your creation of an Account is further affirmation of your representation and warranty.
  • 10.2 It is recommended that you do not share your Account details, particularly your username and password. We accept no liability for any losses or damages incurred as a result of your Account details being shared by you. If you use a shared computer, it is recommended that you do not save your Account details in your internet browser.
  • 10.3 If you have reason to believe that your Account details have been obtained by another person without consent, you should contact Us immediately to suspend your Account and cancel any unauthorised orders or payments that may be pending. Please be aware that orders or payments can only be cancelled up until provision of Services has commenced. In the event that an unauthorised provision commences prior to your notifying Us of the unauthorised nature of the order or payment then you shall be charged for the period from the commencement of the provision of services until the date you notified us and may be charged for a billing cycle of one month.
  • 10.4 When choosing your username you are required to adhere to the terms set out above in Clause 9. Any failure to do so could result in the suspension and/or deletion of your Account.

11. Termination and Cancellation of Accounts

11.1 Either DLC Associates or you may terminate your Account. If We terminate your Account, you will be notified by email and an explanation for the termination will be provided. Notwithstanding the foregoing, We reserve the right to terminate without giving reasons.

11.2 If We terminate your Account, any current or pending orders or payments on your Account will be cancelled and provision of Services will not commence.


12. Services, Pricing and Availability

Prices are listed in Canadian dollars (CAD). We reserve the right to revise pricing and service availability at any time.

13. Orders and Provision of Services

We accept orders at our discretion. Confirmation of services and pricing is sent via email. Digital coaching services may be delivered immediately, at which point your cancellation rights may be affected.


14. Cancellation and Refund Policy (Canada)

You may cancel by emailing shelley@dlcassociates-coaching.com. Refunds may be issued if services have not been delivered. Where digital content or coaching has commenced, partial refunds may be offered at our discretion. Refunds will be processed within 10 business days.

15. Privacy

See our Privacy Policy at www.boldbalanceblueprint.ca/privacy.

16. Use of Personal Information

Your personal data is protected under the Personal Information Protection and Electronic Documents Act (PIPEDA). Email marketing follows Canada’s Anti-Spam Legislation (CASL). You can unsubscribe at any time. See our Privacy Policy at www.boldbalanceblueprint.ca/privacy.

17. Disclaimers

The Website and services are provided “as-is.” We do not guarantee that services or content are error-free or that results are guaranteed.


18. Changes to Terms

Terms may be updated periodically. Continued use of the Website implies agreement to updated terms.


19. Website Availability

We aim for high uptime but make no guarantees and accept no liability for outages.


20. Limitation of Liability

We are not liable for any damages unless required by Canadian law. This includes loss of data or service interruption.

21. No Waiver

Non-enforcement of any term shall not constitute waiver.


22. Previous Terms

These Terms supersede all previous versions.


23. Third Party Rights

These Terms apply only to the parties involved and confer no rights on third parties.


24. Communications and CASL Compliance

By submitting your email, you consent to receive updates from us. You may unsubscribe at any time. Contact: shelley@dlcassociates-coaching.com

25. Law and Jurisdiction

These Terms and Conditions and any dispute, claim, or controversy arising out of or relating to these Terms and Conditions, including the interpretation, validity, or enforcement thereof, shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein.  The parties unconditionally and irrevocably consent to the exclusive jurisdiction of the courts of the Province of Ontario, sitting in the City of Toronto, for the resolution of any such disputes and each party waives any objection to the venue or jurisdiction of such courts, including any claim of inconvenient forum.
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