Introduction

Welcome to REMIC Express, an online learning platform operated by REMIC Realty Inc., Brokerage (“REMIC Realty,” “we,” “our,” or “us”). These Terms and Conditions govern your access to and use of the REMIC Express website, educational materials, course content, communication tools, and all platform features. By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree, you must discontinue use immediately.

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Use of Website

You agree to use the REMIC Express website solely for lawful and legitimate educational purposes. You must not engage in any activity that disrupts website performance, misuses platform tools, interferes with other users, or attempts to gain unauthorized access to accounts, systems, or data. You also agree not to use automated systems such as bots, scrapers, or data-mining tools. Any misuse may result in suspension or termination of access.

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Accounts and Payments

Access to courses or digital materials may require payment. All payments are processed securely through third-party payment processors such as Stripe. REMIC Realty Inc., Brokerage does not collect or store full payment card details. By completing a purchase, you agree to the terms and privacy policy of the payment processor. Refunds, where applicable, are administered according to the REMIC Express refund policy and may be subject to limitations due to access or consumption of course materials.

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Intellectual Property

All course materials, videos, documents, downloads, practice questions, graphics, website content, and digital resources available on REMIC Express are the exclusive property of REMIC Realty Inc., Brokerage or its licensors. These materials are protected by copyright, trademark, and applicable intellectual property laws. You may not copy, modify, distribute, share, record, screenshot, reproduce, publicly display, or resell any content without prior written permission. Unauthorized distribution may result in account termination and legal action.

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Course Access, Updates, and Suspension/ Termination

Course content, features, and platform capabilities may be updated, modified, or removed at any time to maintain technical quality, accuracy, or compliance with industry standards. We reserve the right to restrict, suspend, or terminate access for misuse, policy violations, or maintenance requirements. Course access durations, availability, and renewal options may vary and may change without notice.

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Third-Party Tools and Links

The REMIC Express platform may incorporate third-party tools such as embedded videos, learning modules, payment processors, analytics, scheduling systems, communication tools, or external resources. These third-party providers operate independently and are responsible for their own terms and privacy practices. REMIC Realty Inc., Brokerage does not endorse or assume responsibility for the accuracy, reliability, security, or content of third-party websites or tools. Use of such third-party features is at your own risk.

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Disclaimer

All information, study materials, and content provided through REMIC Express are for educational and informational purposes only. We do not guarantee exam success, passing outcomes, licensing approvals, or any specific academic or professional results. Your performance depends on your own study habits, effort, and comprehension. Use of REMIC Express does not create a brokerage relationship, employment relationship, fiduciary duty, or advisory relationship with REMIC Realty Inc., Brokerage.

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Limitation of Liability

To the fullest extent permitted by law, REMIC Realty Inc., Brokerage is not liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from your use or inability to use the REMIC Express platform. This includes, without limitation, loss of data, technical failures, service interruptions, content inaccuracies, unauthorized access, or reliance on course materials. Your use of the platform is entirely at your own risk.

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Privacy

Your use of REMIC Express is governed by the REMIC Express Privacy Policy, which explains how personal information is collected, used, stored, and protected. By using this platform or registering for courses, you consent to the practices described in the Privacy Policy.

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Modifications

We may update or revise these Terms and Conditions at any time without prior notice. Updates take effect immediately upon posting. Continued use of the REMIC Express website following any modifications constitutes acceptance of the revised Terms.

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Governing Law

These Terms and Conditions are governed by the laws of the Province of Ontario and applicable federal laws of Canada. Any disputes arising from or relating to these Terms, the Privacy Policy, or your use of REMIC Express shall be resolved exclusively in the courts of Ontario.