The website www.intoprimetime.com is owned and operated by Michelle Gold, doing business as Into Prime Time (also referred to as the “Company”, “we”, “our”, “us”).

“You”, “user”, “purchaser”, and “your” means any visitor, registered user or others who access the Website or use its Services.

These website terms and conditions of use for www.intoprimetime.com constitute a legal agreement and are entered into by and between you, and Into Prime Time.

Please read these Terms and Conditions ("Terms and Conditions", "Terms") carefully before using the www.intoprimetime.com website.

Your access to the website and all our Services is conditional upon your acceptance and compliance with its Terms and Conditions. These Terms apply to all visitors, registered users and others who access or use its Services.

By accessing the Website or using our Services, you are entering into an Agreement which is legally bound under its Terms and Conditions and Privacy Policy found at www.intoprimetime.com/privacy-policy .

If you disagree with any part of the Terms and Conditions or Privacy Policy, STOP, and do not access the Website or its Services.

acceptance of terms and conditions of use

Subject headings of the paragraphs and subparagraphs of these Terms are included for convenience only and shall not affect the construction or interpretation of any of its provisions.

termination

We may terminate or suspend your access to our Website, Services, or Course immediately, with or without prior notice, if you breach these Terms (e.g., unauthorized sharing, non-payment, or prohibited conduct). We will endeavour to provide advance notice via email where feasible for non-breach terminations, such as Course retirement. Upon termination, all licenses end, and you must cease use.

effect of headings

governing law

This Agreement between you and Into Prime Time, shall be governed by, and interpreted in accordance with the laws of the Province of Ontario and the applicable laws of Canada. You hereby consent and submit to the exclusive jurisdiction of the courts located in Hamilton, Ontario, for any proceedings related to this Agreement.

age of majority

This Website are not intended for anyone under the age of 18. By using this website you warrant that you are the legal age of majority under applicable law to form a binding contract with the Company. If you are not 18 year of age or older, you must not access or use the Website. 

The Website and its entire contents and features, including but not limited to information, resources, courses and programs, photographs, graphics, video, audio, design and presentations are owned by the Company. They are protected in all forms by intellectual property laws, including copyright and trademarks (whether common law or registered) and other proprietary rights.

The Company name, logo, taglines, slogans, and titles are trademarks (whether common law or registered) of the Company. Unless expressly authorized, use of this property shall constitute an infringement or violation of the rights of the property owner and may be subject to legal action. You also must not delete or alter any copyright or trademark notices from materials on this site.

All our intellectual property is protected by the copyright laws of Canada and international treaties to which Canada is a signatory. Except as otherwise provided for under copyright law, this website and its content may not be copied, published, distributed, downloaded, transmitted or modified in any form or by any means, electronic or otherwise, without the prior written permission of us, the copyright owner.

COPYRIGHT AND CONTENT

If you register for any of our presentations, courses and/or programs, you are considered our Licensee. All content you receive through these services is solely and completely our property. You are granted a revocable, non-transferrable license, limited to you. You may download and/or print our program materials for your personal use.

You may not, under any circumstances copy, modify, transmit or sell any of these materials to others. If it is determined that you have breached your limited license, it will be considered an infringement of our intellectual property rights; and we reserve the right to seek damages, an injunction, or other available legal remedy.

 

limited license

course access and license

Upon purchase of a Course (as part of our Services), you are granted a limited, non-exclusive, non-transferable license to access the online course materials (the "Course") through our designated platform for personal use only. This access includes any updates or revisions to the Course content that we may provide during the period it remains available on our platform ("Platform Availability").

We will endeavour to provide advance notice to registered purchasers via email or through the platform if access to the Course is scheduled to end due to discontinuation or retirement of the Course. However, we reserve the right to terminate or suspend access at any time without liability, including but not limited to cases of platform changes, technical issues, breach of these Terms, or business decisions. Upon termination of Platform Availability, access will cease, and no refunds or further updates will be provided unless otherwise stated.

You agree that "lifetime access" or similar terms refer solely to the duration of Platform Availability and do not guarantee access indefinitely or beyond the Course's lifecycle.

payments and refunds

Digital courses are non-refundable once purchased, as you receive immediate access to the materials. Coaching sessions are non-refundable once scheduled and paid for. Sessions can be rescheduled with reasonable notice of not less than 48 hours; if they cannot be rescheduled within 30 days, the session is forfeited.

chargebacks and payment disputes

You agree that initiating a chargeback, payment reversal, or dispute through your payment provider after purchase constitutes a breach of these Terms. We reserve the right to report such actions to credit reporting agencies and payment processors, which may impact your credit or account standing.

communication

email and other electronic communication

Visiting the Website or sending emails to the Company constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically (via email and on the Website) satisfy any legal requirement that such communications be in writing.

We welcome email communication through various forms on this Website. However, such electronic communications do not create any business or contractual relationship. While we take reasonable steps to maintain confidentiality (as outlined in our Privacy Policy), we cannot guarantee communication security and may be required to disclose communications pursuant to court order.

user communication

The Website may contain chat areas, forums, communities, comment sections or other message or communication facilities designed to enable you to communicate with the public or other users.

You agree that when using features of the Website that allow for communication by you, you will not:




  • Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information, or upload files unless you own or control the rights thereto or have received all necessary consents.
  • Advertise or offer to sell or buy any goods or services for any business purpose, or harvest or otherwise collect information about others, including e-mail addresses, without their consent or violate any applicable laws or regulations.



The Company  has no obligation to monitor user communications but reserves the right to review materials posted to the Website and to remove any materials in its sole discretion.

The Company reserves the right to terminate your access to any or all of the user communication services at any time without notice for any reason whatsoever and to disclose any information as necessary to satisfy any applicable laws.





recordings

By participating in recording group sessions related to any of our Services, you imply consent and grant us permission to record and share these recordings, either by audio or video, with other users of our Services.

assumption of risks and disclaimers

This Website is for information and education on retirement lifestyle planning. Into Prime Time does not provide professional advice and information on this Website should not be considered a substitute for professional advice.


NO GUARANTEES

Although care has been taken in providing information and education on retirement lifestyle planning, you agree that our information, resources, programs and services are provided “as is”, and without warranties of any kind, either express or implied.

Into Prime Time assumes no liability for any damages whatsoever, including, without limitation, indirect, special, consequential, punitive or incidental damages of any kind, whether brought in contract or tort, arising out of or in connection with this Website, the inability to use this Website or the use, reliance upon, or performance of any material contained in or accessed from this Website, or any linked Website, even if we are expressly advised of the possibility of such damages.

By using this Website, you agree to take full responsibility for any harm or damage you suffer as a result of the use, or non-use, of the information available on this Website or the resources available for use or download from this Website. You agree to use judgment and conduct due diligence before taking any action or implementing any action or program suggested or recommended on this Website.





You fully and completely hold harmless, indemnify and release us and any of our agents, consultants, joint venture associates, employees, or anyone otherwise affiliated with our business or us from any and all causes of action, allegations, suits, claims, damages or demands whatsoever in law or equity that may arise in the past, present or future that is in any way related to our Website or Services.

results

The Company provides information and support to assist you in reaching your goals. However, your results will depend on your own effortand follow-through. There is no implied guarantee that you will attain a particular result; and you accept and understand that results can differ by individual.

Testimonials presented on the Website from past users of our Services are actual and truthful statements. Some testimonials may be shortened for the sake of brevity, and grammar, and typing errors may be corrected.

By visiting this Website and using our Services, you recognize and agree that the testimonials are not a guarantee of results that you or anyone else will obtain offered on our Website.

technology disclaimer

We endeavour to provide you with reliable technology and platforms to access our Website and Services. However, technological issues can occur which are beyond our control. We cannot guarantee that our website will be functional, uninterrupted, complete, or free of viruses.

Your access may be also be suspended or restricted from time to time, due to network failures or to allow for repairs, maintenance or updates.




links to other websites

Our Website and Services may contain links to other websites or services that are not owned or controlled by us. We assume no responsibility for the content, privacy policies or practices of any third party websites or services. You agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with third party websites or services. We advise you to read the terms and conditions and privacy policies of other websites you visit.

changes to terms and conditions, and website

We reserve the right to revise and update these Terms and Conditions from time to time at our sole discretion. Information and material on this Website may be changed, withdrawn or terminated at any time without notice. Any and all such modifications are effective immediately upon posting and apply to all access and the continued use of the Website.

You are expected to check these Terms so you are aware of any changes, as they are binding on you.

March 2026

contact

If you have any questions about these Terms and Conditions, contact us by email at hello[at]intoprimetime.com