Terms of Use and Service

Last updated: February 19, 2024

1. Overview

These Terms of Use and Service ("Terms") form is a legally binding contract between ZERO TO MASTERY INC. ("we" or "us") and the people and companies (“Users” or “you”) that access and use our website located at www.zerotomastery.io or any related website or mobile platform controlled by us (collectively, the "Website"). These Terms apply to all services provided through our Website and any other software application we operate, and all content, services, and products available at or through the Website. It is very important that you read and fully understand these Terms before using the Website. By agreeing to these Terms and using the Website, you are entering into a legally binding contract which will impact your rights. By accessing any part of the Website, you agree to be bound by these Terms. You are also confirming that you have read and fully understood these Terms. If you do not agree to or understand all of these Terms, then you may not access the Website or use any services available on the Website. These Terms should be read in conjunction with the Privacy Policy and any other rules, guidelines, or policies posted on the Website.

2. Services available on the website

Without restriction, we generally offer the following services through the Website: Zero To Mastery provides educational content, resources and services. The services we offer are subject to change over time. By using the Website, you are confirming that you have determined that the services are appropriate for your needs. We do not guarantee that these services meet your needs or that they are suitable for your specific purposes.

3. Use license

Permission is granted to temporarily download one copy of any downloadable materials on the Company's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • modify or copy the materials;
  • use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
  • attempt to decompile or reverse engineer any software contained on the School’s web site;
  • remove any copyright or other proprietary notations from the materials; or
  • transfer the materials to another person or 'mirror' the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Company at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

4. Payment procedures

Payments for services or products available on the Website will be charged to you in accordance with the policies, procedures, and timelines posted on the relevant sections of the Website. You agree to pay the fees applicable to your subscription and any other applicable fees, including but not limited to fees relating to the processing of transactions under your account (“Fees”). All initial and recurring Fees will be charged to the credit card that you authorize for your account. It is your responsibility to keep your authorized credit card valid and up to date at all times. We may terminate or block access to your account if your credit card becomes expired or otherwise invalid at the time any Fees become due. For purposes of processing payments, we use the following service providers: Stripe and Paypal. Before using the Website, you must first review and approve the terms and conditions governing the use of these third-party payment processors, which are available at the following website(s): https://www.stripe.com and https://www.paypal.com

5. Refunds

If for some reason you’re not happy with your membership, please send an email to support@zerotomastery.io and let us know why within 30 days of purchasing and we’ll gladly provide you with a refund.

Notwithstanding the above, we reserve the right to refuse a refund to anyone who we believe, in our sole discretion, is gaming the system, has requested a refund or refunds in the past, who has issued a chargeback, or for any other reason whatsoever.

6. Termination

You may cancel these Terms at any time by discontinuing your use of the Website.

7. Limitation of liability

Except in a case where we are in violation of these Terms, we will not be held liable for, and you hereby fully waive the right to claim for, any loss, injury, claim, liability or damages of any kind resulting in any way from use of the Website. Your use of the Website is at your sole risk. The Website is provided on an “as is” and “as available” basis without any warranty or condition, express, implied or statutory. We do not warrant that your use of the Website will be uninterrupted, secure or error-free. In no event will we have any liability to you or any third party for any lost profits or revenues or for any indirect, special, incidental, consequential, or punitive damages however caused, whether in contract, tort, or otherwise, and whether or not you or the third party have been advised of the possibility of such damages. In the event the foregoing paragraph, or any part thereof, is void under applicable law, this paragraph, or such part thereof, shall be inapplicable.

8. Indemnification

You agree to indemnify and hold harmless ZERO TO MASTERY INC., including our officers, directors, shareholders, employees and agents, from and against any and all claims and expenses, including legal fees and disbursements, which are made against us and arise out of your use of the Website, including but not limited to your violation of any term of these Terms or any other policy posted on the Website.

9. Security breaches

In order to protect your security, it is your sole responsibility to ensure that all usernames and passwords used to access the Website are kept secure and confidential. You must immediately notify us of any unauthorized use of your account, including the unauthorized use of your password, or any other breach of security. We will investigate any breach of security on the Website that we determine in our sole discretion to be serious in nature, but we will not be held responsible or liable in any manner for breaches of security or any unauthorized access to your account however arising.

10. Warranties and representations

We hereby disclaim all warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties as to merchantability or fitness for a particular purpose as they relate to the Website.

11. Compliance with laws

You represent and warrant that: i. You have the authority to bind yourself to these Terms; ii. Your use of the Website will be solely for purposes that are permitted by these Terms; iii. Your use of the Website will not infringe or misappropriate the confidentiality or intellectual property rights of any User or third party; and iv. Your use of the Website will comply with all local, provincial and federal laws, rules and regulations, and with all policies posted on the Website.

You must only use the Website for your own lawful purposes, in accordance with these Terms and any notice, policy or condition posted on the Website. You may use the Website on behalf of others or in order to provide services to others but if you do so you must ensure that you are authorized to do so and that all persons for whom or to whom services are provided comply with and accept all these Terms.

12. Age restrictions

Users under the age of 18 are only permitted to access and use the Website while under the direct supervision of a parent or guardian.

13. Governing law and dispute resolution

These Terms and any access to or use of the Website shall be governed by, and construed in accordance with, the laws in force in the Province of Ontario. If any claim, dispute or controversy occurs between ZERO TO MASTERY INC. and a User relating to the interpretation or implementation of any of the provisions of these Terms, such dispute shall be resolved by private, confidential and binding arbitration. Such arbitration shall be conducted by a single arbitrator. The arbitrator shall be appointed by agreement of the parties or, in the absence of an agreement, such arbitrator shall be appointed by a judge upon the application of either the User or ZERO TO MASTERY INC. Arbitration shall be held in the Province of Ontario, unless otherwise agreed by the parties. The arbitration procedure to be followed shall be agreed by the parties or, in absence of an agreement, determined by the arbitrator. The arbitration shall proceed in accordance with the provisions of the Arbitration Act, 1991, SO 1991, c 17. Subject to any right of appeal, the decision arrived at by the arbitrator shall be final and binding. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction.

14. Waiver of class action

By using the Website, you agree to resolve any claim or dispute arising between you and us on an individual basis, rather than addressing such claim or dispute as part of a group or class. You hereby waive any right you may have to commence or participate in any class action lawsuit commenced against ZERO TO MASTERY INC. or its affiliates related to any claim, dispute or controversy arising from your use of the Website. Where applicable, you hereby agree to opt out of any class proceeding against ZERO TO MASTERY INC. otherwise commenced. The above waiver shall not apply to claims or disputes arising under consumer protection legislation or any other claim or dispute where a waiver of class action lawsuits is unenforceable at law.

15. General terms


These Terms may be updated and amended from time to time. We reserve the right to change these Terms at any time, and any amended Terms are effective upon posting to the Website. We will make efforts to communicate any changes to these Terms we deem material, in our sole discretion, via email or notifications on the Website. Your continued use of the Website will be deemed to be immediate and unconditional acceptance of any amended Terms, whether or not we deemed the amendments to be material.


We may assign or delegate these Terms, in whole or in part, to any person or entity at any time with or without your consent and without prior notice to you. Users may not assign or delegate any rights or obligations under these Terms, without our prior written consent, and any unauthorized assignment and delegation is void.


No waiver of a provision, right or remedy of this Agreement shall operate as a waiver of any other provision, right or remedy or the same provision, right or remedy on a future occasion.


The parties to these Terms are independent contractors and are not partners or agents. ZERO TO MASTERY INC. has no fiduciary obligations or professional obligations whatsoever to you arising from these Terms or your use of the Website.


In the event that any provision or part of this Agreement is found to be void or invalid by a court of law, the remaining provisions, or parts thereof, shall be and remain in full force and effect.


These Terms, in conjunction with all policies and guidelines available on the Website (including but not limited to any Privacy Policy and Cookies Policy), incorporated by reference, constitute the entire agreement between you and ZERO TO MASTERY INC. and supersede all prior communications, agreements and understandings, written or oral, with respect to the subject matter of these Terms.

16. Lifetime Learning Challenge Terms

For the purposes of this section:

  • "Subscriber" refers to a User on a paid ZTM Academy Monthly or Annual account.
  • "Qualifying Lesson" refers to a lesson that the User has not previously completed from any ZTM Academy course, but excluding lessons in onboarding courses or administrative courses, as may be determined and modified without notice by us from time-to-time.

The Lifetime Learning Challenge provides ZTM Academy Subscribers the opportunity to receive an upgrade to a Lifetime account, effective as of January 1, 2024. To be eligible for the Lifetime Learning Challenge you must be a Monthly or Annual Subscriber of the ZTM Academy with an account in good standing. You must not have initiated, issued, or received a refund or chargeback at any time, unless such refund or chargeback was expressly permitted in writing by us.

To complete the Lifetime Learning Challenge and receive an upgrade to a Lifetime account, a Subscriber must satisfy the following condition(s):

  • Completed one (1) or more Qualifying Lessons in the ZTM Academy while logged in to the Subscriber's account, each calendar month for 30 (thirty) months cumulative.

For certainty, in the event the Subscriber cancels their Monthly or Annual ZTM Academy subscription, their Lifetime Learning Challenge progress will be maintained and can be continued if the Subscriber re-subscribes using the same account.

We reserve the right to discontinue or disqualify any User and/or Subscriber from the Lifetime Learning Challenge at any time and for any or no reason whatsoever in our sole and absolute discretion.

We reserve the right to modify, amend, suspend, cancel, or terminate the Lifetime Learning Challenge and these terms at any time and for any or no reason whatsoever in our sole and absolute discretion.

The upgrade to a Lifetime account, and the Subscriber's progress towards same, has no monetary value, is not redeemable for cash, is void if the Subscriber sells it for cash or other consideration, is not replaceable, and has no value if lost, stolen, destroyed, transferred, modified, suspended, cancelled, or terminated.

Limit one (1) Lifetime upgrade per person.

17. Questions on these Terms

We welcome you to contact us with any questions on these Terms. You can send your questions regarding these Terms to the following email address: support@zerotomastery.io

18. Confirmation of agreement to Terms

By proceeding to use the website, you acknowledge that you have read, understood and agree to be bound by these Terms and any policies and notices posted on the website.