PART 1: PRIVACY POLICY

1.1 Overview and Purpose

This Privacy Policy describes how OKRGROUP ("the Company," "we," "us," or "our") collects, uses, and discloses your personal information when you visit our website, purchase our digital courses, or engage with our services. We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and relevant Canadian provincial privacy laws.

1.2 Information We Collect

We collect only the information necessary to fulfill our service to you. This includes:

Personal Identification: Name, email address, and billing address.

Transaction Data: Records of courses purchased and amounts paid. Payment information (credit card numbers) is processed via secure third-party gateways (e.g., Stripe, PayPal) and is not stored on our servers.

Technical & Usage Data: IP addresses, browser types, and behavioral data on how you interact with our platform, collected via cookies and analytics to ensure site security and optimize user experience.

1.3 How We Use Your Data

Your data is used to:

Deliver the digital course content you purchased.

Verify your identity to prevent unauthorized account sharing.

Send transaction receipts and administrative updates.

Provide marketing communications (only where you have provided express consent under CASL).

1.4 Data Retention and Security

We retain your personal information for as long as your account is active or as needed to comply with Canadian tax laws. We implement industry-standard administrative and technical safeguards (SSL encryption) to protect your data. However, no electronic transmission is 100% secure; you provide your data at your own risk.

1.5 Disclosure to Third Parties

We do not sell, trade, or rent your personal data. We share data only with trusted service providers (LMS platforms, email service providers, and payment processors) strictly to operate our business.

1.6 Your Rights and Contact

Under Canadian privacy laws, you have the right to access the personal information we hold about you and request corrections. For all inquiries, contact:

Email: admin@okrgroup.info

Address: [Insert Business Address/PO Box Here - Optional]

PART 2: TERMS AND CONDITIONS

2.1 Acceptance of Terms

By purchasing any product or service from OKRGROUP, you agree to be bound by these Terms and Conditions. These terms constitute a legally binding agreement between you ("the Student" or "Customer") and OKRGROUP.

2.2 EARNINGS AND RESULTS DISCLAIMER (NO GUARANTEES)

OKRGROUP makes no guarantees regarding your results.

Educational Purpose: All courses and materials are for educational and informational purposes only. Nothing provided constitutes professional financial, legal, or business advice.

Individual Responsibility: You acknowledge that your success depends on your own efforts, skills, and market conditions. You are solely responsible for any decisions you make based on our content.

The information provided on this website by OKR ("we," "us," or "our") through the OKRfitness brand is for general informational and educational purposes only. we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the site.

Under no circumstances shall OKR, its officers, directors, employees, or agents be liable to you for any direct, indirect, incidental, consequential, or punitive damages arising out of or relating to your use of this website or any information contained herein, including but not limited to injuries, health issues, financial losses, or any other damages. We do not claim that any of the advice or information provided on the Site is true, accurate, or guaranteed to produce any specific results.

No Typical Results: Any testimonials or case studies shown are for illustrative purposes and represent exceptional outcomes. They are not intended to represent or guarantee that anyone will achieve the same or similar results.

Assumption of Risk: You agree that OKRGROUP is not liable for any success or failure of your business or personal endeavors that are directly or indirectly related to the purchase of our products.

2.3 STRICT NO-REFUND POLICY

Due to the digital nature of the products provided:

All Sales are Final: Once you have gained access to the course area or downloaded any materials, the product is considered "used." No refunds, returns, or exchanges will be granted under any circumstances.

Digital Consumption: By purchasing, you expressly waive your right to a "cooling-off" period or any statutory refund rights available for physical goods.

Chargeback Policy: You agree not to initiate any chargebacks or payment disputes through your bank or credit card provider. Any attempt to do so is a material breach of this agreement. OKRGROUP reserves the right to present this signed agreement to your bank to successfully overturn any dispute and may permanently ban you from all future products.

2.4 Intellectual Property

All content including videos, PDFs, worksheets, and logos is the exclusive property of OKRGROUP.

Limited License: You are granted one (1) non-transferable, non-exclusive license for personal, non-commercial use.

Prohibitions: You may not record, copy, redistribute, resell, or "group-buy" our content. Unauthorized sharing of login credentials will result in immediate termination of access without a refund.

While we strive to keep the information on this website accurate and up-to-date, the fields of fitness, nutrition, and online advertising are constantly evolving. Information that was accurate at the time of publication may become outdated. We reserve the right to update, modify, or remove content at any time without notice.

OKR and OKRfitness explicitly disclaim any responsibility for the truthfulness, accuracy, or reliability of the content on the Site. We do not endorse or guarantee the effectiveness, safety, or suitability of any advice, exercises, diets, or other recommendations provided. By accessing or using the Site, you agree that OKR shall not be held liable for any direct, indirect, incidental, consequential, or other damages arising from false advertising claims, misleading information, or any reliance on the content provided.

2.5 Limitation of Liability

To the fullest extent permitted by law, OKRGROUP, its directors, and employees shall not be liable for any direct, indirect, or consequential damages resulting from your use of the course. Our maximum liability to you for any reason shall be limited to the total amount paid by you for the specific product purchased.

2.6 Indemnification

You agree to indemnify and hold harmless OKRGROUP from any claims, losses, or damages (including legal fees) arising out of your breach of these terms or your use of the materials provided.

2.7 Governing Law and Dispute Resolution

These Terms are governed by the laws of Canada. Any dispute arising from this agreement shall be settled through binding arbitration in your province of residence or through the Small Claims Court system, at the discretion of OKRGROUP.