FOUNDER · MVI FRAMEWORK
These Terms and Conditions (the "Terms") govern your access to and use of the websites operated at informedandinvested.com, learn.informedandinvested.com, and any subdomains thereof (collectively, the "Site"), and all educational courses, training materials, webinars, community platforms, software applications, written content, and related services offered through the Site (collectively, the "Services").
The Site and Services are owned and operated by 13810682 Canada Inc., a corporation incorporated under the laws of Canada, with a registered address in Ontario, Canada, doing business as "Informed & Invested" and "Modern Value Investor" (referred to throughout as "we," "us," "our," or the "Company").
By accessing the Site, creating an account, purchasing any Service, or otherwise interacting with our offerings, you ("you," "User," or "Customer") expressly agree to be bound by these Terms. If you do not agree to these Terms in full, you must not use the Site or Services.
You must be at least 18 years of age and legally capable of entering into a binding contract under the laws of your jurisdiction to use the Site or purchase any Services. By using the Site, you represent and warrant that you meet these requirements.
The Services are not directed to children under 18 and we do not knowingly collect personal information from minors. If we learn that we have collected personal information from a child under 18, we will delete that information promptly.
You may not use the Services if you are located in, or are a resident of, any jurisdiction where the provision of the Services would be unlawful or restricted.
The Services are provided strictly for educational and informational purposes. The Company teaches a methodology for analyzing publicly traded businesses, referred to as the MVI Framework (Math, Valuation, Moats), and provides commentary, case studies, analytical tools, and community resources to support that education.
The Company is not registered as an investment adviser, broker-dealer, financial planner, or in any other regulated capacity with the U.S. Securities and Exchange Commission, the Ontario Securities Commission, any other Canadian provincial or territorial securities regulator, the Financial Industry Regulatory Authority, or any other regulatory body in any jurisdiction.
The founder, Amit Chandan, is not currently registered in any regulated capacity related to the provision of investment advice. The Company's educational activities are conducted in reliance on exemptions and exclusions from registration requirements applicable to bona fide publishers and educators of investment information.
The Services are designed for a general audience and are not customized to any individual user's circumstances. The Company does not analyze your personal financial situation, investment objectives, tax position, risk tolerance, or other factors that would be required to provide personalized investment advice. You acknowledge that any application of the educational content to your specific situation is undertaken solely at your discretion and risk.
When companies, securities, or financial instruments are discussed within the Services, including in courses, webinars, community forums, software outputs (including any MVI App, MVI Estimate, journal entries, or watchlists), or any other format, such discussions are provided exclusively as educational case studies to illustrate methodology. No discussion of any specific company or security should be construed as a recommendation to buy, sell, hold, or refrain from any investment action.
Before making any investment, financial, tax, or legal decision, you should consult with appropriately licensed professionals in your jurisdiction who can evaluate your specific circumstances. The Company strongly encourages you to do so.
All investing involves substantial risk, including the possible loss of principal. Past performance is not indicative of future results. There is no guarantee that any investment strategy, methodology, or framework, including the MVI Framework, will achieve any particular result, generate positive returns, or avoid losses.
Financial markets are volatile and unpredictable. Securities prices can and do decline, sometimes substantially and rapidly. Even securities of fundamentally sound businesses can decline in price for extended periods. The Company makes no representation that any methodology or analysis can eliminate market risk or predict market movements.
The MVI Framework is a methodology developed and taught by the Company. Like any analytical framework, it is based on assumptions, judgments, and historical patterns that may not hold in the future. The framework may produce incorrect conclusions, miss important factors, or fail to anticipate market developments. Application of the framework is no guarantee of investment success.
The Company makes commercially reasonable efforts to ensure that information provided through the Services is accurate, but does not warrant the accuracy, completeness, timeliness, or reliability of any information. Financial data sourced from third parties may contain errors, omissions, or be out of date. You should independently verify any information before relying on it.
Certain Services require you to create an account. You agree to:
We may suspend or terminate your account at our discretion, with or without notice, if you violate these Terms, engage in conduct we deem inappropriate, or for any other reason. Upon termination, your right to access the Services ceases immediately, though provisions of these Terms that by their nature should survive termination will survive.
All content available through the Services, including but not limited to text, graphics, images, videos, audio recordings, course materials, software, code, methodology descriptions (including the MVI Framework), trademarks, service marks, logos, slogans, and overall design ("Content"), is owned by or licensed to the Company and is protected by Canadian, United States, and international copyright, trademark, and other intellectual property laws.
Subject to your compliance with these Terms and continued payment for any paid Services, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Content solely for your personal, non-commercial educational use.
You may not, and may not permit others to:
Violation of these restrictions may result in immediate account termination without refund and may subject you to legal action.
"Informed & Invested," "Modern Value Investor," "MVI," "MVI Framework," "MVI Estimate," "MVI App," and related logos, slogans, and design elements are trademarks of the Company. You may not use these marks without prior written authorization.
You agree not to use the Services to:
The Services include access to private community platforms (including but not limited to Telegram, Discord, or proprietary forums). Within these communities:
Pricing for Services is displayed at the time of purchase or communicated directly during a sales discussion. All prices are in the currency specified at checkout (typically United States Dollars unless otherwise specified). Prices are subject to change without notice for future purchases; the price at the time of your purchase will apply to that purchase.
Payments are processed through third-party payment processors. By providing payment information, you authorize us to charge the specified amount to your payment method. You represent and warrant that you have the legal right to use the payment method provided.
Some Services are offered on a subscription or recurring basis. By purchasing such a Service, you authorize us to charge the recurring fee on the schedule specified at purchase until you cancel. Cancellation must be made in accordance with the specific cancellation procedures for that Service.
All prices are exclusive of any applicable taxes, duties, or other governmental charges, unless explicitly stated otherwise. You are responsible for any such taxes applicable to your purchase.
If a payment fails, we may suspend your access to the Services until payment is successfully completed. Repeated failed payments may result in account termination.
Refunds are governed by our separate Refund Policy, which is incorporated into these Terms by reference. By purchasing any Service, you agree to be bound by the Refund Policy.
If you initiate a credit card chargeback after receiving access to any Service, the Company reserves the right to:
Before initiating a chargeback, you must first attempt to resolve any payment dispute by contacting us directly at the contact information below.
THE SERVICES, CONTENT, AND ALL MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED.
To the fullest extent permitted by applicable law, the Company disclaims all warranties, express, implied, statutory, or otherwise, including but not limited to:
Specifically, the Company makes no warranty that application of the MVI Framework, use of the MVI App, reliance on MVI Estimates, or any other use of the Services will result in any specific financial outcome, investment return, or risk reduction.
To the fullest extent permitted by applicable law, in no event shall the Company, its affiliates, principals, employees, contractors, agents, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to damages for loss of profits, loss of investment value, loss of business opportunities, loss of data, loss of goodwill, or other intangible losses, arising out of or relating to your use of or inability to use the Services, regardless of the cause of action or theory of liability.
To the fullest extent permitted by applicable law, the Company's total cumulative liability to you for any claims arising out of or relating to these Terms or the Services, regardless of the form of action, shall not exceed the greater of:
The Company is specifically not liable for:
The limitations and exclusions in this Section apply even if any limited remedy fails of its essential purpose. The parties acknowledge that the pricing of the Services reflects this allocation of risk.
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, the Company's liability is limited to the maximum extent permitted by law.
You agree to defend, indemnify, and hold harmless the Company, its affiliates, principals, employees, contractors, agents, and licensors from and against any and all claims, demands, actions, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:
The Company reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you will cooperate with the Company in asserting any available defenses.
The Services may include links to or integrations with third-party websites, services, or content (including but not limited to data providers, payment processors, video hosting platforms, and community platforms). The Company does not control and is not responsible for any third-party content or services. Your interactions with third parties are governed by their respective terms and policies.
The Company reserves the right to modify, suspend, or discontinue any aspect of the Services at any time, with or without notice. The Company is not liable to you or any third party for any modification, suspension, or discontinuation of the Services.
The Company may update these Terms from time to time. We will notify you of material changes by posting a notice on the Site, sending an email to the address associated with your account, or other reasonable means. Continued use of the Services after such notification constitutes acceptance of the modified Terms. If you do not agree to the modifications, you must stop using the Services.
Before initiating any formal proceedings, you agree to first contact the Company at [email protected] to attempt informal resolution of any dispute. The parties will engage in good-faith discussions for at least thirty (30) days before any formal proceeding may be initiated.
These Terms, and any dispute arising out of or relating to these Terms or the Services, shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, and the federal laws of Canada applicable therein, without regard to conflict of laws principles.
Subject to Section 17.4, any legal action or proceeding arising out of or relating to these Terms or the Services shall be brought exclusively in the courts of the Province of Ontario, sitting in the City of Ottawa, and you irrevocably submit to the exclusive jurisdiction of those courts.
You and the Company agree that any dispute resolution proceedings will be conducted only on an individual basis and not as a class, consolidated, or representative action. Neither party may bring or participate in a class action, class arbitration, or other representative proceeding against the other. If a court determines that this class action waiver is unenforceable as to any claim, that claim shall be severed from these Terms and pursued in court, while all other claims remain subject to these dispute resolution terms.
Any cause of action arising out of or relating to these Terms or the Services must be commenced within one (1) year after the cause of action accrues, or it is permanently barred. This limitation does not apply where prohibited by applicable law.
Notwithstanding the foregoing, the Company may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information.
You agree to comply with all applicable laws and regulations in your use of the Services, including but not limited to securities laws, tax laws, and privacy laws applicable in your jurisdiction.
You are solely responsible for determining whether your use of the Services and any actions you take based on educational content are permissible under the laws of your jurisdiction.
The Services are operated from Canada and provided to users in Canada, the United States, and internationally. By using the Services from outside Canada, you acknowledge that your use is subject to these Terms and consent to the transfer of your information to Canada and to processing in Canada and any other jurisdictions where the Company's service providers operate.
The Company makes no representation that the Services are appropriate or available in all locations. Users who access the Services from any location do so on their own initiative and are responsible for compliance with local laws.
These Terms, together with the Privacy Policy, Refund Policy, and any other policies or agreements referenced herein, constitute the entire agreement between you and the Company regarding the Services and supersede all prior agreements, communications, and proposals, whether oral or written.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or if that is not possible, severed from these Terms. The remaining provisions shall remain in full force and effect.
The Company's failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.
You may not assign or transfer these Terms or any rights or obligations hereunder without the Company's prior written consent. The Company may freely assign these Terms in connection with a merger, acquisition, or sale of assets.
The Company shall not be liable for any failure or delay in performance arising from circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, government action, labor disputes, pandemic, internet or telecommunications failures, or third-party service interruptions.
Any notices to the Company must be sent to [email protected]. The Company may provide notices to you via email to the address associated with your account or by posting on the Site.
Section headings are for convenience only and do not affect the interpretation of these Terms.
These Terms are written in English. Any translations are provided for convenience only, and in the event of any conflict between the English version and any translation, the English version controls.
This Site is not endorsed by or affiliated with YouTube, Google, Meta, Facebook, Instagram, Telegram, Discord, or any other platform on which the Company may maintain a presence. All trademarks of third-party platforms are the property of their respective owners.
Any testimonials displayed on the Site or in marketing materials are provided by program participants who have not been compensated for their statements. Individual experiences vary widely and testimonials are not representative of typical results. No testimonial should be construed as a guarantee, promise, or representation of any specific outcome.
Statements regarding future plans, features, products (including but not limited to the MVI App), pricing tiers, or business developments are forward-looking and may change without notice. The Company is under no obligation to develop or release any specific feature or product.
For questions regarding these Terms, please contact:
Informed & Invested
13810682 Canada Inc.
Email: [email protected]
By using the Site or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms.
Informed & Invested
A DIVISION OF 13810682 CANADA INC.
Privacy Policy | Terms & Conditions | Refund Policy
DISCLAIMER & LEGAL NOTICES
Educational Content Only. This training and all related materials are provided strictly for educational purposes to illustrate the application of the MVI Framework taught by Amit Chandan. Nothing on this site constitutes a recommendation to buy or sell any security, nor personalized investment advice. Always conduct your own due diligence or consult a licensed financial professional before making investment decisions.
No Guarantees. All investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. We make no guarantees about your ability to achieve any specific outcome from the application of any methodology, framework, or strategy discussed on this site or in the training.
No Endorsement. This site is not a part of, nor endorsed by, YouTube, Google, Facebook, or Meta. FACEBOOK is a trademark of Meta Platforms, Inc. YouTube and GOOGLE are trademarks of Google LLC.
Testimonials. Testimonials are from participants in Amit Chandan's educational programs. No compensation was provided in exchange for any testimonial. Individual experiences vary and are not indicative of the experiences others may have.