Terms of Use

1. General Terms

1.1. These Terms form a legally binding agreement between you and Selfra.me (“we,” “us,” or “our”). By accessing or using our website, mobile application, or any related products and services (collectively, the “Services”), you agree to be bound by these Terms. Please read them carefully before using the Services.

1.2. You should also review our Privacy Policy, which explains how we collect, use, and protect your personal information. The Privacy Policy, along with any additional policies or documents that may be posted on the Services from time to time, are incorporated into these Terms by reference and form part of our agreement with you.

1.3. If you do not agree with these Terms, or if you are not legally permitted to enter into a binding contract in your jurisdiction, you must not access, use, or download the Services.

2. Changes to These Terms

We may update or modify these Terms from time to time. When we make material changes, we may notify you—for example, by email, in-app notification, or posting an updated version on our website—but we are not required to provide notice of every change. The “Last Updated” date at the top of this page reflects the current version. Your continued use of the Services after any changes means that you accept and agree to the revised Terms. If you do not agree with the changes, you must stop using the Services.

3. Disclaimers

3.1. Educational and Entertainment Purpose Only. The content available on selfra.me, including but not limited to book summaries, articles, reports, and e-books (collectively, the “Content”), is provided for general educational, informational and entertainment purposes only. The summaries represent interpretations of publicly available ideas and concepts from non-fiction works and are not substitutes for reading the original materials.

3.2. No Medical, Psychological, or Professional Advice. We do not provide medical, psychological, financial, or other professional advice or services. The Content should not be relied upon for the diagnosis, prevention, or treatment of any medical or mental-health condition. If you have or suspect you may have a health-related concern, please seek advice from a qualified physician, psychologist, or other licensed healthcare provider.

3.3. Personal Responsibility and Results Disclaimer. Any strategies, practices, or recommendations described in the Content are presented as general information only. We make no guarantees or representations regarding expected outcomes or results. You acknowledge that results depend on individual factors, including personal effort, experience, and circumstances, and you agree that you are solely responsible for any decisions or actions you take based on the Content.

3.4 Intellectual Property and Author Attribution. Book titles, author names, and related trademarks referenced within the Content remain the property of their respective owners. Selfra.me is not affiliated with, sponsored by, or endorsed by any of the authors, publishers, or rights holders of the original works. References to books or authors are for identification and educational purposes only and do not imply any association, authorization, or partnership.

3.5. No Endorsement. The inclusion of any author, book, product, or third-party material within the Content does not constitute or imply any endorsement or sponsorship by that party of Selfra.me or its Services, nor does it represent an endorsement by us of any author or third-party entity mentioned.

4. Eligibility & Accounts

4.1. Age & Authority. You must be at least 18 (or the age of majority in your jurisdiction) to use the Services. If you access on behalf of an organization, you represent you have authority to bind that organization, and “you” includes that entity.

4.2. Account Registration. You agree to provide accurate, current information and maintain the security of your login credentials. You are responsible for all activity under your account. Notify us immediately of unauthorized use.

4.3. Suspension/Termination. We may suspend or terminate access for actual or suspected violations of these Terms, unlawful conduct, or risk to other users or our systems.

5. Services & Content

The Services include interactive assessments/quizzes, personalized reports, digital guides, e-books, book summaries, courses, and related self-development content (collectively, “Content”). We may add, change, or discontinue features at any time. From time to time we may offer Additional Features that may be included in, or separate from, your plan.

"Lifetime", "one-time", or "permanent" access means availability while the feature is commercially offered and accessible on the platform; such features may be modified or discontinued without compensation unless required by law.

6. Dispute Resolution

6.2. Governing Law. These Terms and any dispute arising out of or relating to them shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, without regard to its conflict-of-law rules.

However, if you reside outside of Canada, you may have rights under your local consumer-protection laws, which will remain unaffected.

The Ontario Arbitration Act, 1991 (or its successor legislation) governs the interpretation and enforcement of the arbitration provisions in this Section.

6.3. Binding Arbitration (JAMS). If a dispute cannot be resolved informally, it shall be finally and exclusively resolved through binding arbitration administered by JAMS (Judicial Arbitration and Mediation Services, Inc.), under its Comprehensive Arbitration Rules and Procedures or, if applicable, its International Arbitration Rules.

• The seat of arbitration shall be Toronto, Ontario, Canada.
• The arbitration shall be conducted remotely via secure video conference, unless the parties agree otherwise.
• The language of the arbitration shall be English.
• The arbitration shall be conducted by a single neutral arbitrator appointed in accordance with JAMS rules.
• Each party shall bear its own costs and share equally in administrative and arbitrator fees, unless otherwise required by law.
• The arbitrator’s award shall be final and binding, and may be entered and enforced in any court of competent jurisdiction.

By agreeing to arbitration, both parties waive their right to a trial by jury or to participate in any class or representative proceeding.

6.4. No Class Actions. You and Selfra.me agree that all disputes shall be resolved on an individual basis only, and not as a plaintiff, class member, or representative in any class, collective, or consolidated action. If any part of this class-action waiver is found unenforceable, that portion shall be severed, and the remainder shall remain in full effect.

6.5. Confidentiality. All aspects of the arbitration proceeding, including hearings, filings, evidence, and awards, shall remain strictly confidential, except where disclosure is required by law or necessary for enforcement of the arbitration award.

6.6. Court Assistance. Either party may apply to a court of competent jurisdiction in Toronto, Ontario for assistance with arbitration-related matters, including compelling arbitration, staying proceedings, confirming or enforcing an award, or seeking temporary injunctive relief.

6.7. Exceptions. Nothing in this Section prevents either party from seeking:

• Temporary injunctive relief or other emergency measures in a court of competent jurisdiction; or
• Resolution through small claims court, where the dispute qualifies under applicable limits.

7. Billing, Subscriptions & Trials

7.1. Prices, Currency & Taxes. Prices are shown at checkout and may be displayed in USD, CAD, EUR, GBP, AUD, or other local currency where indicated at checkout. Taxes or fees (e.g., VAT, GST, or other applicable sales tax) may apply based on your billing address and payment method.

7.2. Auto-Renewing Subscriptions. If you enroll in a subscription, it renews automatically for successive periods equal to your initial term (e.g., monthly or annually) at the then-current price unless canceled. By purchasing, you authorize us (or our payment processor) to charge your selected payment method on a recurring basis until you cancel. You can learn more about our subscription service on our Pricing page.

7.3. Trial Membership. Trial offers (if any) provide access for the period disclosed at checkout. Trial periods might be free of charge, paid or discounted and are limited to one per user. Unless canceled at least 24 hours before the trial ends, billing will begin for the selected plan as disclosed at purchase.

7.4. Price Changes. We may change subscription prices with prior notice that allows you a reasonable opportunity to cancel before the change takes effect. Continued use after the effective date equals acceptance of the new price.

7.5. Payment Authorization & Receipts. You authorize charges to your selected payment method for subscription renewals and any applicable taxes or fees. A receipt will be emailed to you after each initial purchase. For subsequent subscription renewals, receipts or billing emails may not be sent unless there is a change in the subscription price, tax rate, or billing details.

8. Cancellations & Refunds

8.1. How to Cancel. You may cancel your subscription at any time via the following methods:

• Cancel via your Account Settings (Account - Settings - Membership) page on selfra.me;
• Cancel via dedicated cancellation page;
• Contact us at info@selfra.me.

Cancel at least 24 hours before the end of your current period (or trial) to avoid renewal charges. After cancellation, access to your account and Services would be terminated effective immediately.

8.2. Refund. We want you to be satisfied with your purchase. If, for any reason, you are not happy with the Services, you may request a full refund within thirty (30) days of your most recent purchase or payment date.

8.3. Refund eligibility and limitations. Refund requests submitted after thirty (30) days from the date of the last purchase are not eligible for a refund. Refunds are not available for accounts found to be in violation of these Terms or that have been suspended or terminated for misuse. After the 30-day period, refunds may be considered only under exceptional circumstances, and any such refund will be issued at the sole discretion of Selfra.me. Refunds are not available for:

• Any downloadable e-books, guides, or other digital content that has been accessed, downloaded, or used;

8.4. How to Request a Refund. To initiate a refund, contact us by email at info@selfra.me or via our contact form with your purchase details (email used and reason for the request).

8.5. Refund Method & Timing. Approved refunds will be processed to the original payment method within 5-10 business days. Depending on your bank or payment provider, it may take additional time for the refund to appear in your account. We are not responsible for any delays or fees imposed by your bank or payment provider.

8.6. EU Right of Withdrawal for Digital Content. If you are a consumer located in the European Union, you have the legal right to withdraw from a purchase of digital content within fourteen (14) days of the date of purchase, without giving any reason and without incurring any charges.

However, this right does not apply once the digital content has been made available to you with your prior express consent and acknowledgment that you lose the right of withdrawal after the content is delivered.

By completing your purchase, you expressly consent to the immediate delivery of the digital content and acknowledge that you will lose your right to withdraw once the purchase is validated and the content is accessible or downloadable. Refunds will only be provided if the digital content is defective or otherwise fails to perform as described.

9. Customer Support

Selfra.me provides a customer support team to help address any questions, technical issues, or concerns related to selfra.me or the Services. We encourage you to first contact us at info@selfra.me to seek a prompt and fair resolution before initiating any formal dispute or arbitration.

All complaints or support requests regarding the Services will be reviewed and addressed within a reasonable timeframe after receipt. We typically respond within one (1) to three (3) business days.

10. Intellectual Property

Selfra.me, the Selfra.me logo, the selfra.me domain, any other domains owned or operated by Selfra.me, and all content, materials, features, and design elements available through the Services (collectively, the “Company IP”)—excluding user-generated content—are the exclusive property of Selfra.me or its licensors and suppliers.

Except as expressly permitted in these Terms, nothing in these Terms or your use of the Services grants you any right, title, or interest in or to the Company IP, nor any license to reproduce, distribute, modify, or create derivative works from it.

All goodwill arising from your use of the Company IP shall inure solely to the benefit of Selfra.me. You agree not to challenge, dispute, or otherwise interfere with Selfra.me’s ownership, rights, or the validity of the Company IP at any time.

11. User Content & Reviews

You retain ownership of content you submit (“User Content”), but grant us a worldwide, non-exclusive, transferable, sublicensable, royalty-free license to host, use, reproduce, display, adapt, and distribute such content as necessary to operate and improve the Services and as otherwise described in our Privacy Policy. You represent that you have the rights to grant this license and that your content complies with law.

12. Third-Party Links & Advertising

The Services may contain links to, or references of, websites, products, or content operated by third parties ("Third-Party Websites"). Some of these parties may have commercial relationships with Selfra.me, while others may not.

Selfra.me does not control, monitor, or guarantee the accuracy, relevance, timeliness, or completeness of any information, products, or services offered through Third-Party Websites. Links to such sites are provided for convenience only and do not imply any endorsement, sponsorship, or affiliation.

You acknowledge and agree that Selfra.me is not responsible or liable for any damages, losses, or harm resulting from your access to, or use of, any Third-Party Websites or their content. Your interactions with such third parties are solely between you and the respective third-party entities, and are governed by their own terms and privacy policies.

13. Terms & Termination

These Terms take effect on the date you first access or use the Services and will remain in force until terminated in accordance with this section.

If you have purchased a paid plan or subscription, these Terms will remain effective for the duration of the subscription period selected by you, unless terminated earlier as permitted herein. If your subscription is set to renew automatically, it will continue to renew for successive terms of the same length (or a renewal period required by applicable law) unless you cancel your subscription in accordance with your Subscription Terms.

Either you or Selfra.me may terminate these Terms at any time. We may suspend or terminate your account or access to the Services immediately, without prior notice, if we reasonably believe that you have violated these Terms, applicable law, or engaged in fraudulent or abusive activity, or if we discontinue the Services.

If you choose to delete your account, such deletion will constitute termination of these Terms by you. Upon termination, all rights and licenses granted to you under these Terms will automatically end, and you must cease all use of the Services.

Termination will not relieve you of any outstanding payment obligations incurred before the effective date of termination. Fees already paid for subscriptions are non-refundable, and no partial or prorated refunds will be issued unless otherwise required by applicable law.

Any provisions of these Terms that, by their nature, should survive termination—including those relating to intellectual property, disclaimers, limitations of liability, indemnification, and dispute resolution—shall remain in full force and effect after termination.

14. Limitation of Liability

To the maximum extent permitted by law, neither Selfra.me nor its affiliates, partners, licensors, or service providers involved in creating, producing, or delivering the Services shall be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages. This includes, without limitation, any damages for loss of profits, revenue, savings, data, goodwill, business opportunity, service interruption, computer or system failure, or the cost of substitute products or services, arising out of or in connection with these Terms or your use of (or inability to use) the Services. This limitation applies whether the claim is based on contract, warranty, tort (including negligence), product liability, or any other legal theory, and whether or not Selfra.me has been advised of the possibility of such damages — even if any limited remedy set forth in these Terms is found to have failed its essential purpose.

To the extent permitted under applicable law, Selfra.me’s total cumulative liability for any claim arising out of or related to these Terms or your use of the Services shall not exceed the greater of: (a) the total amount you have paid (or are payable) to Selfra.mefor access to the Services during the twelve (12) months preceding the event giving rise to the claim; or (b) one hundred dollars (USD $100), if no such payments have been made.

These exclusions and limitations of liability form an essential basis of the agreement between you and Selfra.me, and shall apply to the fullest extent permitted by law in all jurisdictions where the Services are made available.

15. Indemnification

In addition to any indemnification obligations described elsewhere in these Terms, you agree, to the maximum extent permitted by law, to indemnify, defend, and hold harmless Selfra.me, its owners, officers, directors, employees, agents, affiliates, representatives, licensors, successors, and assigns from and against any and all claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorney’s fees) arising out of or related to:

• your use of or access to the Services, including any activity under your account;
• your violation of these Terms, applicable laws, or the rights of any third party.

You agree that any defense of such claims will be conducted using counsel reasonably acceptable to Selfra.me, and that Selfra.me may participate in the defense at its own expense.

16. Privacy & Data Protection

You acknowledge and agree that it is your responsibility to comply with all applicable privacy, data protection, and information security laws and regulations, including any requirements relating to the collection, storage, and processing of personal data you provide through the Services—regardless of your country or state of residence. This includes complying with any applicable privacy policies, cookie policies, or other legal notices relevant to your use of the Services.

We collect, use, and process certain personal data in connection with the operation of the Services. The ways in which we handle such data are described in our Privacy Policy, which forms an integral part of these Terms. Please review it carefully to understand how we handle your information.

15.1. (Data Processing — EU/EEA Users). Where Selfra.me processes personal data as a data processor on your behalf, and applicable law requires a Data Processing Agreement (DPA), the terms of our DPA shall apply automatically and are deemed incorporated into these Terms (see Attachment 1).

17. Governing Law & Venue

These Terms and any dispute arising out of or related to them shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, without regard to its conflict-of-law principles.

Subject to the Arbitration section of these Terms, the parties agree that the exclusive venue for any permitted court action shall be the courts located in Toronto, Ontario, Canada.

Any arbitration conducted under these Terms shall have its seat of arbitration in Toronto, Ontario, and shall be administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures (or, for consumers, its Consumer Arbitration Rules) in effect at the time of the dispute.

18. DMCA Notice (U.S. Users)

We respect the intellectual-property rights of others and expect our users to do the same. Selfra.me follows the notice-and-takedown procedures set out in the U.S. Digital Millennium Copyright Act (DMCA), 17 U.S.C. § 512.

If you believe that material available through the Services infringes your copyright, you may submit a written DMCA Takedown Notice (“Infringement Notice”) to our designated copyright agent at:
Email: info@selfra.me
Subject line: DMCA Infringement Notice

Your Infringement Notice must include all of the following information (as required by 17 U.S.C. § 512 (c)(3)):

• Identification of the copyrighted work you claim has been infringed (or, if multiple works are covered by a single notice, a representative list).
• Identification of the allegedly infringing material ("Infringing Content") and information sufficient to locate it on the Services (for example, a URL or direct link).
• Your contact information, including your full name, mailing address, telephone number, and email address.
• The contact information of the person who posted the material, if known (for example, username or profile link).
• A statement that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
• A statement, made under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on the owner’s behalf.
• Your physical or electronic signature.

Once we receive a valid Infringement Notice, we will respond as required under the DMCA, which may include removing or disabling access to the Infringing Content. We will also forward your notice (including your contact details) to the user who posted the material so that they have the opportunity to submit a counter-notification if they believe the content was removed in error.

Please note:

• The DMCA requires that takedown notices be submitted in good faith. Submitting false or misleading notices may result in legal liability.
• You should evaluate whether the use of your material qualifies as fair use before filing a notice. If you are unsure, consult with a qualified attorney.
• Counter-notifications must comply with the DMCA and should be sent to the same contact address listed above.

19. Electronic Communications & Marketing

You agree to receive all notices, disclosures, and other communications related to your use of the Services electronically. Clicking buttons labeled "Buy", "Subscribe", "I Agree", or similar constitutes your electronic signature to this Agreement and related charges.

You also consent to receive marketing and promotional emails from us. You can opt out at any time by using the unsubscribe link included in our emails or by contacting us at info@selfra.me. Opting out of marketing emails will not affect your receipt of important transactional or service-related communications (such as billing, account, or legal notices).

20. Miscellaneous

These Terms constitute the entire agreement between you and Selfra.me regarding your use of the Services and supersede all prior or contemporaneous agreements, communications, or understandings, whether written or oral.

Nothing in these Terms creates any agency, partnership, employment, or joint venture relationship between the parties.

By using the Services, including creating and maintaining an Account, you consent to receive electronic communications from us, including service updates, account notices, and marketing emails. You may opt out of marketing communications at any time by following the unsubscribe instructions provided in such emails or contacting us at info@selfra.me.

Neither party shall be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, natural disasters, epidemics, government actions, labor disputes, or interruptions of utilities or communications ("Force Majeure Events").

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. Each provision is severable, ensuring the continued validity of the agreement as a whole.

21. Contact

If you have any questions, feedback, or complaints regarding these Terms or the Services, please contact us at:
Email: info@selfra.me.
Website: selfra.me

You may also contact us through the support or contact form available on our website.

All legal notices, requests regarding data protection, or correspondence related to these Terms should be directed to the email address above.

We are based in Canada and operate globally through our online platform.

If you are an EU consumer, you may (but are not required to) use dispute resolution bodies in your country of residence. For more information, please visit: https://consumer-redress.ec.europa.eu/dispute-resolution-bodies_en.

21. Acknowledgement

By accessing or using the Services, you acknowledge that you have read, understood, and agreed to be bound by these Terms, including all policies and additional documents referenced herein (such as our Privacy Policy, Cancellation & Refunds and Data Processing Agreement). You further acknowledge that:

• Your use of the Services is at your own discretion and risk;
• You have had the opportunity to review these Terms before proceeding; and
• Clicking buttons labeled "Buy", "Subscribe", "I Agree" or similar constitutes your electronic acceptance and signature of this Agreement.

If you do not agree to these Terms, you must not access or use the Services. We reserve the right to modify these Terms at any time, with changes effective upon posting. Your continued use of the Services after changes constitutes acceptance of the updated Terms.

Attachment 1: Data Processing Agreement (DPA)

For the purposes of this Data Processing Agreement, references to "the Company" mean the same legal entity identified in the introduction of these Terms.

1. Scope and Roles. This Data Processing Agreement ("DPA") applies when Selfra.me ("Processor") processes personal data on behalf of a user or customer ("Controller") in connection with the Services. The parties agree to comply with their respective obligations under applicable data protection laws, including the EU General Data Protection Regulation (EU 2016/679) ("GDPR") and the UK GDPR.

2. Subject Matter and Purpose. The Processor shall process personal data only for the purpose of providing the Services, fulfilling support obligations, and improving the performance and security of the Services, unless otherwise instructed in writing by the Controller.

3. Nature and Duration of Processing. Processing includes storage, transmission, organization, and limited analysis of personal data. Processing shall continue for as long as the Controller uses the Services or until the data is deleted in accordance with these Terms.

4. Categories of Data and Data Subjects. The personal data may include names, email addresses, IP addresses, usage information, and other data submitted by the Controller through the Services. Data subjects may include the Controller’s customers, end users, or personnel.

5. Processor Obligations. The Processor shall:

• process personal data only on documented instructions from the Controller;
• ensure persons authorized to process the data are bound by confidentiality;
• implement appropriate technical and organizational security measures;
• assist the Controller in responding to data-subject requests and in fulfilling GDPR obligations regarding security, breach notifications, and impact assessments;
• notify the Controller without undue delay upon becoming aware of a personal-data breach;
• delete or return personal data upon termination of the Services, unless retention is required by law; and
• make available information necessary to demonstrate compliance and allow reasonable audits by the Controller.

6. Sub-Processors. The Controller authorizes the Processor to engage sub-processors as necessary to deliver the Services (e.g., hosting, analytics, or payment providers). The Processor shall ensure sub-processors are bound by data-processing terms no less protective than this DPA and shall remain responsible for their performance.

7. International Data Transfers. Where personal data is transferred outside the European Economic Area (EEA) or the United Kingdom, the Processor shall ensure such transfer is governed by an approved data-transfer mechanism under applicable law, including the EU Standard Contractual Clauses (SCCs) or the UK International Data Transfer Addendum, as applicable.

8. Liability and Indemnity. Each party’s aggregate liability under this DPA is subject to the limitations set forth in the main Terms.

9. Term and Termination. This DPA remains in effect for as long as the Processor processes personal data on behalf of the Controller. Upon termination, all personal data will be deleted or returned to the Controller, except where retention is required by law.