Privacy Policy


Your privacy is very important to us. As you use our products and services, we want you to be clear how we’re using the personal information you provide to Joyful Retirement (hereafter known as ‘the Company’) and the ways in which you can protect your privacy.

If you have any questions, comments or concerns about this Privacy Policy, or would like to revise any of your information, please feel free to write to us at Privacy Matters, c/o Joyful Retirement Seminars to our customer service email address:

Our Privacy Policy explains:

●      What information we collect and why we collect it;

●      How we use that information;

●      The choices we offer, including how to limit the information we share with others; and

●      The security, integrity, and confidentiality of the data.

Information We Collect

We collect information in order to provide our visitors with the best products and training. We collect only information that our visitors voluntarily give to the Company. When you chose to attend one of our events, you may fill out forms. When you do this, you provide the Company personal information, such as your name, mailing address, email address, telephone number, credit card, checking account, personal financial information, business partner information, and other information.

How We Use Information We Collect

We use the information voluntarily given to the Company to provide, maintain, protect and improve our products and training services, and to develop new materials. We also use this information to offer our visitors specifically tailored products and services.

Information We Share

We do not share personal information with companies, organizations and individuals outside of Company unless one of the following circumstances apply:

●      For Everyday Business Purposes – This information will be used by the Company to process our students’ transactions, maintain their accounts, and to respond to court orders and legal investigations (as required by law).

●      For External Processing – We provide information to our affiliates or other trusted business partners to process the information on our behalf in order to fulfill student orders and requests – based on our instructions and in compliance with our Privacy Policy and any other appropriate confidentiality and security measures.

●      For Legal Reasons – We will share information with companies, organizations or individuals outside of our Company if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to:

○      meet any applicable law, regulation, legal process or enforceable governmental request;

○      detect, prevent, or otherwise address fraud, security or technical issues;

○      protect against harm to the rights, property or safety of the Company, our students or the public as required or permitted by law.

●      For Marketing from Other Companies – We will share personal information with our partners, affiliates or other trusted businesses to market relevant products and services – including telephone solicitations. The trusted partners are bound by confidentiality agreements, and don’t have any independent right to share your personal information. Visitors have the express right to limit (or eliminate) the sharing of information using the opt-out procedure described below. Also, please write to us to obtain a list of our trusted partners.

Limit the Information We Share – Opt Out

You can opt out of the use of your information for marketing by other companies by writing a letter to the Company requesting to opt out and sending it to the Company. Please feel free to contact through our website or by email at

Information Security

We work hard to protect our students and our Company from unauthorized access to or unauthorized alteration, disclosure or destruction of information we hold. Specifically:

●      We review our information collection, storage and processing practices, including physical security measures, to guard against unauthorized access to our systems, and to ensure the confidentiality and integrity of the data collected;

●      We restrict access to personal information to Company employees, contractors and agents who need to know that information in order to process it for the Company, and who are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations.

Application and Enforcement

Our Privacy Policy applies to all of the products and services offered by the Company and its affiliates or other trusted business partners. Our Privacy Policy does not apply to services offered by other companies or individuals, including products or services from unrelated, third-party vendors. Our Privacy Policy does not cover the information practices of other companies and organizations who are not related to the Company.

The Company regularly reviews our internal compliance with our Privacy Policy. The Company also adheres to several internal safeguards related to the information we collect. When the Company receives formal written complaints, we will contact the person who made the complaint to follow up. We work with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that we cannot resolve with our students directly.

Changes in the Privacy Policy

Our Privacy Policy may change from time to time. We reserve the right to change the Privacy Policy at our discretion and without notice. We will post any privacy policy changes on this page.

These GENERAL TERMS OF SERVICE (thereinafter referred to as: “Terms of Service”) apply to EACH AND EVERY User visiting and/or using this Website, Content and/or Services. These Terms of Service are available on our Website. Along with the Privacy Policy, these Terms of Service constitute a single, legally binding document between you and Joyful retirement Seminars. By accessing and using the Company’s Website ( or, you are hereby compliant and expressly AGREE to all conditions contained in these Terms of Service, and thus find them reasonable. Furthermore, your behavior on this Website is at ALL times governed and subject to these Terms of Service, Privacy Policy and all auxiliary documents you are given access to, and thereby acquainted with.  All business and transactions done via Joyful Retirement have the appropriate consent from state authorities, and are in accordance with Canadian governing Law.

References in these documents to Joyful Retirement, “We” or “Us” mean Joyful Retirement, or (if different) an owner Company or another Parent or Daughter Company that is conducting the specific Sale and/or any successors and assigns there to. References to “You”, “Your” and “User” mean the person, group or other entity utilizing Joyful Retirement Seminars. References to “Buyer” mean Users which have successfully submitted an order, and entered into contract with Joyful Retirement.

By visiting and using Joyful Retirement’s Website, You are hereby compliant to all Provisions including the express terms and restrictive covenants these General Terms of Service and Joyful Retirement’s other legal documents and/or notifies include, and thus find them to be reasonable. If you do not find these provisions reasonable, please stop using this Website and/or Services. Deletion of your User Account or Profile information is also required. Unless you do so, you WARRANT that you are compliant to these Terms of Service and provisions to which you are properly notified via Our Website. Furthermore, you hereby indemnify Joyful Retirement, its owner Company, Subsidiaries, Offices, Partners, Employees, Management or Administrative Team, other Representatives and all future individuals or legal persons involved with Joyful Retirement, in respect to any losses possibly suffered in connection to the Website, Software, Content and Services. Joyful Retirement, being a private entity does NOT support intolerant behavior and does not promote any type of penal activity.



1.1        Conclusive acceptance and scope of Terms of Service

These provisions, are governing your use of this Website. By using Joyful Retirement’s Website, Content, Software and/or Services, You hereby find the Terms of Service reasonable, and fully accept them. If you do not accept the Terms of Service of use, or find them unreasonable, please stop using Joyful Retirement’s Website, Content, Software and/or Services.


2.1.      Registration with Joyful Retirement

Users, for the purposes of visiting and browsing our Website may or may not have a registered account. Please note that some aspects of functionality of Joyful Retirement are to be limited without having a registered account. Upon registration, some personal information may be required from you. For the purposes of purchases, please see Subsection 4.4. The personal information that may be required from you is your contact details (such as, without limitation: name, e-mail address, shipping address, country/state, telephone number) and your billing details (such as, without limitation: the billing credentials as per your preferred way of purchasing goods from Joyful Retirement).

During the registration process for Registered Users, we will ask you to create an account, which includes a sign-in name (“Sign-In Name”), a password (“Password”), and perhaps certain additional information that will assist in authenticating your identity when you log-in in the future (“Unique Identifiers”). When creating your account, you must provide true, accurate, current, and complete information. Each Sign-In Name and corresponding Password can be used by only one Registered User, and sharing your access credentials with others is a material breach of this Agreement. You are solely responsible for the confidentiality and use of your Sign-In Name, Password, and Unique Identifiers, as well as for any use, misuse, or communications entered through the Websites using one or more of them. You will promptly inform us of any need to deactivate a Password or Sign-In Name, or change any Unique Identifier. We reserve the right to delete or change your Password, Sign-In Name, or Unique Identifier at any time and for any reason and shall have no liability to you for any loss or damage caused by such action. Joyful Retirement will not be liable for any loss or damage caused by any unauthorized use of your account.

3.Joyful Retirement USAGE GUIDELINES

            These Usage Guidelines are to be applicable for both the Joyful Retirement Website and Application. You agree not to engage in any of the following prohibited activities:

·      Copying, distributing, or disclosing any part of the Service in any medium, including without limitation by any automated or non-automated “scraping”;

·      Using any automated system, including without limitation “robots,” “spiders,” “offline readers,” etc., to access the Service in a manner that sends more request messages to the Joyful Retirement servers than a human can reasonably produce in the same period of time by using a conventional web browser (except that Joyful Retirement grants the operators of public search engines revocable permission to use spiders to copy publicly available materials from our websites for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials);

·      Transmitting spam, chain letters, or other unsolicited email;

·      Attempting to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Service;

·      Taking any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure;

·      Uploading invalid data, viruses, worms, or other software agents through the Service;

·      Collecting or harvesting any personally identifiable information, including account names, from the Service;

·      Using the Service for any commercial solicitation purposes;

·      Impersonating another person or otherwise misrepresenting your affiliation with a person or entity, conducting fraud, hiding or attempting to hide your identity;

·      Interfering with the proper working of the Service;

·      Accessing any content on the Service through any technology or means other than those provided or authorized by the Service; or

·      Bypassing the measures we may use to prevent or restrict access to the Service, including without limitation features that prevent or restrict use or copying of any content or enforce limitations on use of the Service or the content therein.

A material breach of these provisions gives Joyful Retirement the Discretional Rights as per Section 12 and Subsection 4.3.


            4.1. Copyright notice.

You hereby agree that you are going to use this Website, Content and Services reasonably. You agree that you will withhold of any actions that can cause or could cause damage to Joyful Retirement’s Website, Software, Content and/or Services. You and every person you authorize with, using Your Account may not engage in any activity which may result in lowering the overall quality of the Website and Services offered therein. You and other people authorized to use your respective User Account will also withhold of any activity that may cause nuisance, or in any other way prevent any other Users from using the provided Content and Services. Any and every person shall further withhold of any actions which are recognized by law as unlawful, illegal, fraudulent or harmful towards Joyful Retirement’s Website, Software, Services or Functionality, and shall not, in any way promote this type of illegal activity, under the penalty of civil and penal provisions of the applicable Canadian law. Joyful Retirement’s Website, Content and/or Services are not to be used for distribution of Spyware, Trojan Horses, Root kits, Keystroke Loggers or any type of Malware whilst utilizing Joyful Retirement, its Software and/or Services, under the penalty of the Canadian civil and/or penal provisions. You and individuals Authorized to use Your User Account shall also withhold of any systematic or automated information and data collection activities, including data harvesting, limitation scrapping, data mining and other similar activities without the consent of the Website’s administrators under the penalty of privacy protection statutes under the Governing law of Canada. Any consent issued by the Website’s administrators on data collection will be fully coherent with Canadian applicable law and in compliance with this Website’s set of legal documents. In the event such consent is possible to issue, due to statutory provisions by Canadian Governing law, any eventual consent will be issued in paper form upon previous request, and as such will be subject to further notification of the Website’s visitors, customers and/or Users. Without the required form and previous notification of Users, any consent given by Joyful Retirement in regards to data collection is null and void. This Website is not to be used for marketing purposes without the Website administrators’ consent. Such consent will be issued in proper form, in full compliance with the Privacy Policy and Canadian Governing law. One shall not transfer, sublet or otherwise dispose of their respective rights and obligations. You shall further not engage in unacceptable behavior, namely: – harassment, threatening or intimidating another User, – transmitting any unlawful, threatening, abusive, offensive, defamatory or hateful text or voice communication or images and/or other material, any ethnically or racially objectionable material, or any material infringing intellectual property, privacy and/or publicity rights of any third party, – using obscene or offensive User Names or Nick Names, – posting any material with the intention to solicit other Users, – permutation of usage of inappropriate language as to the room You are hosting, – abusing Your rights to take action against individuals logged into a specific room You are hosting, – disparaging Joyful Retirement’s services, Joyful Retirement or its representatives or employees, administration and/or other staff. Joyful Retirement reserves the rights to: – Restrict access to certain areas of this Website, which are not meant to be available for visitors, consumers and/or Users; – Further disable access to certain areas of this Website in full discretion of the Website’s administrators, under full discretion without a previous notice or explanation; – Restrict access to other areas of this Website, in case of violation of these provisions. These restrictions are in full Joyful Retirement’s discretion, and can be issued without explanation or notice; – Enable access to certain areas of the Website, providing You with a User ID and Password, which are for Your PERSONAL use. It is advised to keep these credentials confidential, in case of misuse by third parties.

            4.2.      Submissions on Joyful Retirement

For the purposes of this section, all forms mutual communications between users or between users and this Website’s administrators, including, but not limited to: comments, ratings or other communications such as text, videos, pictures or other multimedia files on this Website will be referred to as “User Submissions” or simply “Submissions”. User Submissions are a type of content added by (all types of) users, as opposed to the created and displayed content by Joyful Retirement. All content uploaded to this Service is to be regarded primarily as a User Submission. Joyful Retirement reserves the right, but not the obligation, to start inquiries about possible breaches of these Terms of Service. Joyful Retirement does not, in any way, endorse, favour or otherwise approve of any User Submission which is freely uploaded by the Registered Users. Violations of the Terms under which Content may be uploaded may result in removal of the Submission with or without previous notice. Repeated breaches of the Content Terms may result in a part-time or permanent ban of a User from accessing certain functionalities of our Service. Upon sharing your User submission, you retain all proprietary rights. You hereby grant Joyful Retirement a Universal, Worldwide, non-Exclusive, Royalty-free, Transferrable License to be used, reproduced, performed, modified, displayed and otherwise manipulate with the User Submission. These licenses granted by you in User Comments are perpetual and irrevocable. The licenses are not valid for User submissions which have or had been deleted by the Users. Please note that this license is only granted to Joyful Retirement in order to feature or display some of your user submissions on its Website worldwide. User submissions of General users allowed to upload user comments in various forms (text or multimedia) is not to infringe any copyright, intellectual property right or other proprietary rights of any third party whatsoever, outside the scope of fair use. In case a user submission (ex. User comment) is used for marketing goals on behalf of Joyful Retirement, the name or nickname of the user will be included as a form of accreditation.

4.2.1. Reverse Licensing Grant

Upon sharing submissions via Joyful Retirement, you retain all proprietary rights and grant Joyful Retirement a Universal, Worldwide, non-Exclusive, Royalty-free, Transferrable License to be used, reproduced, performed displayed and otherwise manipulate with the User Submission. These licenses granted by you in User Comments are perpetual and irrevocable. The licenses are not valid for User submissions which have or had been deleted by the Users. Please note that this license is granted only in order for your creative work(s) to be available on the service, as well as for some specific marketing or featuring abilities that Joyful Retirement may exercise. Accreditation of user creations uploaded by creators is to be included in a clear and visible space on the specific webpage in which the creation is included. If the creation is shared on a third-party platform or used as a marketing material on behalf of Joyful Retirement, the name or nickname of the author will be included, and considered an appropriate accreditation.

4.3.      Breach of these Terms of Service. Joyful Retirement Reserved Rights.

Joyful Retirement reserves the right to terminate a User’s access to its Website or Software if, under appropriate circumstances, they are determined to be repeated Infringers. Joyful Retirement further reserves the right to decide, weather User Submissions of any kind are appropriate, and if they comply with these provisions. Joyful Retirement reserves the right, but not the obligation to initiate personal inquiries of potential abuse and/or misbehaviour personally or upon filed reports or complaints, regarding any Users’ activity. Any investigation or inquiry will be at the sole discretion of Joyful Retirement and it will include any steps that Joyful Retirement finds appropriate. Note that these steps may include disclosing User conduct to one or more entrusted parties. Sanctioned by Canada Governing law, any misconduct and/or breach of the aforementioned usage provisions will be treated as seen fit by Joyful Retirement under its sole discretion.

4.3.1.   Discretional Rights.

Methods of preventing further damage or nuisance towards other Users may, Joyful Retirement’s staff or other third parties towards, which Users have committed a breach of their rights include:

· Suspension or Termination of Your User Account with or without previous notification;

· Temporary or permanent Bans from Our Websites with or without previous notification;

· Other methods Joyful Retirement’s staff or administrators see fit.

Further note that Joyful Retirement, in dealing with specific breaches of these provisions, does exclude bringing up civil and/or penal legal action against an individual or group, whom or which have taken part in this type of behaviour. Note that Joyful Retirement may disclose Your personal information in the NECESSARY range under the governing law of Canada in connection with any current or future legal proceedings in order to constitute or defend its respective rights or in case Joyful Retirement needs to comply with the demands (namely formal requests) of appropriate State authorities.

4.5.      Anti-solicitation provisions

Users shall withhold of any solicitation, causing or assisting to any employee, officer, director, agent, admin, commissioner, consultant or helper in: terminating, suspending, discontinuing of employment, consultancy and/or any relationship this person has with Joyful Retirement; Users shall further withhold from soliciting or causing an existing or potential Customer to cease using Joyful Retirement and the provided Products and Services or soliciting and causing a potential Customer to use other Products or Services competitive with Joyful Retirement Products and Services. Users may NOT, in any way aid, abet or authorize any person, group or entity in any of the aforementioned actions.

4.2.1. Libel and Defamation

Users shall further withhold from making any slanderous, negative or defamatory statements about Joyful Retirement or any of its Representatives, which may result in hurting the reputation, image or goodwill of Joyful Retirement or its Representatives.

4.3. Sharing on Third-Party Platforms

The Service may further use social media buttons or plugins from third-party Services, which allow Users to connect with third-party social networks and platforms. All content shared from the Joyful Retirement Website is to be accredited by means of hyperlink from the third-party Service to the Website. Upon sharing information to third-party Services, you will abstain from causing nuisance to users using the third-party Service or Platform.


Joyful Retirement and Third-party authorized websites use third-party billing protocols in order to securely process your purchases. The third-party billing protocols enjoy a high level of encryption and security, in order for your payment to be safely made without any risks.

5. Methods of Contracting. Usage of the service’s assets and identification against third-party defective performances.

In case of an agreement with Joyful Retirement, which may include usage of photos, effigy, trademarks, logos, useful designs, trade secrets, or any other object, being a registered intellectual property, or in the case the material is copyright protected, the usage of these materials, in accordance to the licensing provisions described further bellow. Shall be for the use of providing the services as expressly agreed with Joyful Retirement.

An order of Service (thereinafter referred to as: “Order”) is an ordered, service as per the prescribed specifications (thereinafter referred to as: “Offer”) on the Joyful Retirement website. An Offer is a binding offer from the Service to the Client to conclude various types of agreements in the field of marketing and advertisement, consulting etc. This offer is based on the description found on the specific part of our Website (without limitation to: duration, classification, included extras, costs, methods of payment etc.), as far as the Client has access to this information. Information on other websites not administered by the Service are not binding towards the Service, and do not constitute part of its contractual duty unless they have been explicitly stated on the Joyful Retirement Website

The preferred manner of placing orders is electronically (by means of e-mail or by an internet-based Website service). The Client shall receive electronic confirmation (thereinafter referred to as: Order Confirmation) of the orders made by e-mail or on the internet.

Formation of contract occurs upon receipt of the Order Confirmation from the Service, acting either in its own capacity, or as an agent of an affiliate marketer, which is active on Joyful Retirement Website. Please note, that such products or services provided are to be expressly classified as such. Order Confirmation does not require a specific form, so confirmations received orally or by telephone are legally binding upon the Client as well.

If there are any discrepancies between the Content of the Offer and the Order Confirmation, such occurrence constitutes a new offer on the part of Joyful Retirement. The contract shall be formed on the basis of this new offer if the Client indicates his or her acceptance of this offer by means of explicit declaration or implicit means, namely payment of a deposit or the balance, or use of the provided services.

The Service shall not be held liable to any services outside the scope of the offered arrangement by Joyful Retirement. We are not responsible for the Defective performance of any type of Third-party services (usually identified by arranged by third-party service providers and expressly described in the offer made to the Client as facultative/additional expenses, or expressly described as affiliates or partners placing their services through Joyful Retirement.), as we place their offers throughout our website by agreement with third-party service providers, but do not have any objective influence on the execution of these services, which are solely provided by the third-party service providers.


6.1.      General Disclaimer

Joyful Retirement’s website, content and services are all provided “as is”. Joyful Retirement does not unilaterally provide any express or implied terms, representations, warranties or conditions. Joyful Retirement, its employees, offices, agents or other representatives are further not liable, to the maximum extent permitted by law for any: direct, indirect, special or consequential loss; business or private losses, including: income, savings, or profit loss, loss of contract, loss of goodwill or representations loss, warranty loss, data corruption, personal loss. The aforementioned limitations are voided in the exclusive case that Joyful Retirement has willingly voided it’s limitation of liability in a specific Set of Terms and/or Contract. Limitations apply in the case that Joyful Retirement had been advised of the potential loss. Joyful Retirement does not take any responsibility for the unreasonable behaviour of visitors and/or third parties. Furthermore, Joyful Retirement does not take any responsibility for publishing any content, which is not in any way meant to constitute and/or provide any type of professional advice. Joyful Retirement is further not responsible in any way, to no extent in the unlikely case of severe host and/or server failure or breach, or any other Vis major, which is not in scope of Joyful Retirement’s ability to control. This disclaimer cannot and will not exclude any warranty or liability implied by the Canadian Governing law, will not exclude and/or limit any warranty or liability, which is illegal or unlawful to limit or exclude in compliance with Canadian Governing law. You hereby understand this liability limitation statement, and are fully compliant with it in its entirety.


7.1. Software License Agreement

This specific software license and terms of service, along all rights or obligations notifies constitute a single, legally binding agreement between Joyful Retirement and you. These terms of service along with auxiliary and supplemental documents form the complete and exclusive statement of the provisions governing the usage and privacy notifies of Joyful Retirement’s software, documentation and auxiliary materials, which form a full and functional service. You express your intent to use the aforementioned. By expressing consent expressly or in any other ways including, but not limited to: written or oral statements, usage of this Website and App or other conclusive manner possible. You are hereby compliant, and therefore bound by this set of legal documents. By using Joyful Retirement’s software, Website and Apps, products or services, you are compliant with the provisions of these terms of service, and supplemental documents, and thus find all provisions to be reasonable. If you are not compliant to this set of documents, or in any way do not find these provisions reasonable, please stop using Joyful Retirement’s software, Website and App and/or services. Deletion of profile information is required. Unless you do the aforementioned, you conclusively warrant that you are compliant to the aforementioned documents and their express provisions.

7.2.      Express Licensing Grant

Joyful Retirement hereby grants you a non-exclusive and non-transferrable license to use of this Website and App’s content and services. This license limited to personal use, and is further limited according to any Terms or Contract Joyful Retirement stipulates with you. Applicable Licensing Terms may be displayed at an accessible place or visible to you.

8. Copyright Policy

            8.1.      Policy

The Content on our Service is primarily original, unless stated and/or attributed otherwise. The site’s Content is created, gathered, modified and/or published with respect to the Authors (Licensors) in accordance with the Canadian Governing Law and international intellectual property law standards. Joyful Retirement, together with the Authors (Licensors) owns and controls all the copyright and/or other intellectual property rights of the complete Content on the Website. All the copyright and/or other intellectual property rights regarding this Website’s full Content (including, but not limited to sections of this Website which are or are not available to the general public, registered Users, persons with authorized access to specific sections of the Website etc.) are reserved. Unilateral statements voiding partial or full reservation of copyright and/or other intellectual property rights are null and void. All eventual further licensing and/or transfers of copyright and/or other intellectual property rights regarding the design, Content and/or functionality of this Website can only be transferred via a binding agreement between Joyful Retirement, requiring express consent towards the transfer of these rights to third parties upon their previous request, which is made available to this Website’s visitors. Joyful Retirement cannot guarantee the issuing of Licenses to any person, group and/or other third party without a previous formal request. Joyful Retirement DOES NOT WARRANT that Licenses will be issued to any person, group and/or other third party AT ALL. Note that any unilateral transfer of copyright and/or other intellectual property rights are null and void. Any breach of Content and intellectual property law provisions, sanctioned by Singapore governing law does not exclude the possibility of Joyful Retirement s treating the issue in a way it sees fit. Note that legal action against the individual or group involved in such a breach is not excluded.

            8.2.      The DMCA

If you are a copyright owner or an agent thereof and believe that any User Submission or other content infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (“DMCA”) by providing our Copyright Agent with the following information in writing: – A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; -Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site; -Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit the service provider to locate the material;- Information reasonably sufficient to permit the service provider to contact you, such as an address, telephone number, and, if available, an electronic mail;- A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; -A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. Notifications of claimed Infringement should be sent via e-mail, post or fax. You acknowledge that if you fail to comply the aforementioned requirements, your DMCA notice may not be valid. If you believe that your User Submission that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner’s agent, or pursuant to the law, to post and use the content in your User Submission, you may send a counter-notice containing the following information to the Copyright Agent: – Your physical or electronic signature; – Identification of the content that has been removed or to which access has been disabled and the location at which the content appeared before it was removed or disabled; – A statement that you have a good faith belief that the content was removed or disabled as a result of mistake or a misidentification of the content; -Your name, address, telephone number, and e-mail address, and a statement that you will accept service of process from the person who provided notification of the alleged infringement. If your counter-notice is received by the Copyright Agent, Joyful Retirement may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at Joyful Retirement’s sole discretion.


Our platform may contain link to third-party Websites. Joyful Retirement advises you to use third-party websites with caution, as they may be governed by different Terms of Service. We are not to be held liable for displaying any third-party websites on our platform, and will not be held liable for your personal behaviour on the third-party websites or the results thereof.


This Agreement stays in effect and governs your use of this Service at all times, while you are an owner of our Service’s Account or by simply utilizing our Website or App. You are free to terminate your account or delete our App at any time, for any reason whatsoever in a standardized procedure and option given to you on this Service or via your respective mobile operating system. Note that your User account may be terminated with or without previous notice, in cases of infringements by the Service. For more details on the procedure of account termination, please read the agreement further, more specifically in Section 4, regulating User behaviour on the Website and App. Other references of termination will be incorporated in these Terms of Service and Privacy Policy by reference.


            11.1.    Pro-Validity Clause

If any provision of these Terms of Service is, or is to be found by an appropriate authority, unenforceable under Canada Governing law, that will not affect the enforceability of any other provisions of these Terms of Service.

11.2     Dispute-Resolution Clause

These Terms are written in compliance with the governing law of the Canada and international standards. The Parties agree to solve all disputes or controversies, including those arising from termination of employment in a manner other than filing court actions. Alternative dispute-resolution prevents statute barring of the rights and obligations arising from this Agreement. If these dispute-resolving methods prove unsuccessful, they are to commence court proceedings. If any provision of this Agreement is, or is to be found by an appropriate authority, unenforceable under governing law, that will not affect the enforceability of any other provisions of this Agreement. Statutory provisions will govern all aspects of the individual Service Agreement, which have not been regulated by the provisions of these General Terms of Service or specific set of documents in connection to the provided Service(s), by the Canada law.

          11.3.    Applicable Law. Equitable Relief

The parties covenant that the applicable and usable law according to which this agreement will be governed will be the applicable law of the Canada. Subsequently to the aforementioned, the governing law of the Canada will regulate all disputes or litigation arising from the content of this contract or its execution, accordingly.

You acknowledge and agree that in the event of a breach or threatened violation of our intellectual property rights and confidential and proprietary information by you, we will suffer irreparable harm and will therefore be entitled to injunctive relief to enforce this Agreement. We may, without waiving any other remedies under this Agreement, seek from any court having jurisdiction any interim, equitable, provisional, or injunctive relief that is necessary to protect our rights and property pending the outcome of the arbitration referenced above. You hereby irrevocably and unconditionally consent to the personal and subject matter jurisdiction of the federal and state courts in appropriate Canadian court authorities.


12.1.    Corporate Continuity

In the event that Joyful Retirement goes through a business transition (merger, acquisition, sale of assets etc.), your personal information and content uploaded by you will likely be among the assets transferred accordingly to the title of transfer under which the information and content are being owned or used by the Service (ex. If you, as a Creator, have licensed your submission to the Service in order to be displayed, this right will be transferred to the party included in the business transaction with Joyful Retirement). You will be notified via e-mail of any such change of ownership of your personal information.

Joyful Retirement takes security very seriously. That is why industry-standard Encryption technology is utilized to safely store your personal information. Joyful Retirement s follows accepted industry standards during the process of submission, transmission and acceptation of personal information. No method so far is 100% accurate, but we are committed in caring for the information you share with us in the best way possible. All of our employees are kept up to date in regards of privacy practices. Personally identifiable information are kept in a secure environment. If you have any questions in regards to our Security protocols, please do not hesitate to contact us, using the contact information provided on the Joyful Retirement website.

This service, as a legal person bound by ethics and etiquette, will disclose any security breaches which might occur on this website in the case such breach does occur and our Staff acquires knowledge of it. Users registered and all other possibly affected parties shall be notified via the information provided on this Website. If Joyful Retirement does not disclose such a breach knowingly and within a reasonable time period from such an occurrence, Users may seek relief from the Service.

12.2.    Service Continuity

Joyful Retirement reserves the right to discontinue any portion of the whole service with or without previous notice. Joyful Retirement is not to be held liable for such discontinuance. Any concluded sales will survive the discontinuance of these Terms of Service, and are to be executed on behalf of Joyful Retirement and the Return and Shipping policy.

12.3.    Continuity of this Document and other Legally-binding documents

Every older version of these documents is superseded with the issuing of a renewed version. In case of change of our General Terms of Service or Privacy Policy, we will notify you on this Web page, the App, by e-mail, or by means of notice on our Home Page. These Terms, along with all supplemental documents you have expressed your consent to, without limitation to conclusive means of acceptance, are to be regarded as a single, legally-binding contract between you and Joyful Retirement.


Our primary objective is to deliver a smooth and enjoyable experience to our customers. Therefore, we do not want any question or issue to remain unresolved. You can contact our Contact and Customer Service Staff by means of e-mail, telephone number or other methods, which can be found on our website. The company provides assistance, guidance and advice via the customer care representatives. Upon contacting the customer service, you agree to be respectful and kind.


14.1.    Document as a whole

These Terms of Service reflect the policy of Joyful Retirement in regards to your usage of this Website. They are further intended to inform Joyful Retirement’s Users of the possible results of breaches of these Terms, in regards to using this Website, Software and/or Services. If you have any questions, do not hesitate to contact us via e-mail, post, telephone number or by using our Online Support Service.

14.2.    Consumer Protection Clause

Unless stated otherwise in this document, the information provided by you in whilst using Joyful Retirement shall be used only for the purposes of contacting you regarding the Scope of Service which the Company provides, or for the purposes of eventual billing. Nothing in the Terms of Service, Privacy Policy, Disclaimer or any associated documents you express your consent to (either expressly or conclusively) is constructed to violate consumer rights, so long the Terms set within these documents are not unilaterally breached by Users.

14.3.    Ascent

You hereby conclusively enter into this agreement by repeated usage of this Website. If you find any of these provisions unreasonable, please refrain from further usage of this Website.

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