Terms and Conditions

Effective Date: July 13, 2026

These Terms and Conditions (“Terms”) govern your access to and use of the Niran Kulathungam website and any content, resources, newsletters, programs, registrations, products, or services made available through it.

In these Terms, “Niran Kulathungam,” “we,” “us,” and “our” refer to the operator of the website. “You” and “your” refer to the individual or organization accessing the website or using an offering.

By accessing or using the website, you agree to these Terms. If you do not agree, you must not use the website.

1. Website Purpose

The website provides information relating to topics that may include:

  • Leadership and self-leadership;

  • Business and professional performance;

  • Decision-making and strategic thinking;

  • Capital and partnership strategy;

  • Real-estate investing and operations;

  • Coaching and advisory services;

  • Courses, events, private programs, and communities;

  • Articles, videos, newsletters, audits, guides, checklists, and toolkits; and

  • Related educational and professional-development topics.

The availability, format, and content of these offerings may change at any time.

2. Eligibility

You must be legally capable of entering into a binding agreement to use any paid service, register for an account, or purchase an offering.

The website is intended primarily for adults. Individuals under the age of majority in their jurisdiction may use the website only with the involvement and permission of a parent or legal guardian.

When using the website on behalf of a company or organization, you represent that you have authority to bind that company or organization to these Terms.

3. Educational and Informational Purposes

Website content is provided for general educational and informational purposes.

Nothing on the website constitutes or should be interpreted as:

  • Financial advice;

  • Investment advice;

  • Securities advice;

  • Legal advice;

  • Tax advice;

  • Accounting advice;

  • Mortgage or lending advice;

  • Professional property valuation;

  • A recommendation to purchase, sell, finance, or hold a particular investment or property;

  • An offer or solicitation to purchase or sell securities, real estate, or another investment; or

  • A substitute for advice from an appropriately qualified and licensed professional.

You are responsible for obtaining independent professional advice before making decisions involving investments, capital, financing, taxation, legal obligations, real estate, partnerships, business structures, or other material matters.

4. No Professional or Fiduciary Relationship

Accessing the website, subscribing to a newsletter, downloading a resource, attending a public presentation, submitting a form, or contacting us does not create:

  • A client or advisory relationship;

  • A fiduciary relationship;

  • A partnership;

  • A joint venture;\

  • An agency relationship;

  • An employment relationship; or

  • A confidential professional relationship.

An advisory, coaching, consulting, partnership, or other professional relationship is formed only when the parties enter into a separate written agreement.

Where a separate agreement applies to a particular program or service, that agreement will govern in the event of a direct conflict with these Terms.

5. Personal Responsibility and Due Diligence

You remain solely responsible for your decisions, actions, transactions, investments, partnerships, and results.

Before making a decision, you should conduct your own research, evaluate your circumstances, assess the risks, verify material information, and consult appropriate professional advisors.

Real estate, business, leadership, financing, and investment decisions involve uncertainty and risk. Past experiences, examples, models, case studies, or observations do not guarantee future outcomes.

You must not rely solely on website content when making a material financial, legal, business, or investment decision.

6. No Guarantee of Results

We do not promise or guarantee:

  • A particular financial result;

  • Increased revenue or profitability;

  • Successful investments;

  • Capital appreciation;

  • Business growth;

  • Improved leadership performance;

  • Completion of a transaction;

  • Access to financing, investors, or partners;

  • Prevention of losses;

  • Personal or professional transformation; or

  • Any other specific outcome.

Results vary based on numerous factors, including experience, effort, implementation, timing, market conditions, economic conditions, professional advice, resources, judgment, and circumstances outside our control.

Statements about potential outcomes are expressions of opinion or possibility and are not guarantees.

7. Testimonials and Examples

Testimonials, endorsements, examples, interviews, and case studies represent the experiences or opinions of the individuals involved.

They are not representations that another person will achieve the same or similar results.

Individual experiences may not be typical. Results depend on personal circumstances and other factors beyond our control.

8. Accuracy and Completeness

We make reasonable efforts to provide useful and accurate information. However, website content may contain errors, omissions, outdated information, or material that is incomplete.

Real-estate markets, business conditions, financing options, laws, regulations, taxation rules, and professional standards may change.

We do not warrant that any content is complete, current, error-free, or suitable for a particular purpose. You are responsible for independently verifying information before relying on it.

9. Intellectual Property

Unless otherwise stated, the website and its original content are owned by or licensed to us and are protected by copyright, trademark, and other intellectual-property laws.

Protected material may include:

  • Written content;

  • Videos and recordings;

  • Course and program material;

  • Frameworks, methods, assessments, and models;

  • Guides, audits, checklists, worksheets, and toolkits;

  • Presentations and training materials;

  • Graphics, photographs, logos, and designs;

  • Website layout and branding; and

  • Downloadable and members-only resources.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable licence to access and use publicly available website content for your personal and lawful informational use.

You may not, without prior written permission:

  • Reproduce, republish, distribute, sell, license, or commercially exploit website content;

  • Upload paid or private material to another website, platform, shared drive, database, or artificial-intelligence training system;

  • Record, copy, or redistribute a course, private briefing, coaching session, event, or program;

  • Remove copyright, trademark, attribution, or proprietary notices;

  • Create derivative commercial products from our materials;

  • Share login credentials or restricted resources;

  • Present our content as your own;

  • Use our branding in a way that implies endorsement, affiliation, or authorization; or

  • Use automated tools to scrape, harvest, or systematically extract website content.

Brief quotations may be used for lawful commentary or reference where permitted by law, provided appropriate attribution is included.

10. User Submissions

You may submit information through forms, emails, surveys, assessments, program discussions, comments, or other communication channels.

You represent that:

  • You have the right to provide the information;

  • The information is accurate to the best of your knowledge;

  • The submission does not violate another person’s rights;

  • The submission is not unlawful, abusive, defamatory, fraudulent, or misleading; and

  • The submission does not contain malicious code.

You retain ownership of original content you submit.

You grant us a limited right to receive, store, process, and use the submission as reasonably necessary to respond to you, provide the requested service, operate our business, and fulfil the purposes described at the time of submission.

We will not publicly use an identifiable testimonial, photograph, recording, or case study for promotional purposes without appropriate permission.

11. Acceptable Use

You agree not to:

  • Use the website for an unlawful, fraudulent, or harmful purpose;

  • Attempt to gain unauthorized access to the website, accounts, servers, or systems;

  • Interfere with website security or functionality;

  • Introduce malware, harmful code, or disruptive technology;

  • Impersonate another person or misrepresent your identity or affiliation;

  • Collect information about other users without authorization;

  • Use bots, scraping tools, or automated processes without written permission;

  • Circumvent access, payment, download, or security restrictions;

  • Infringe intellectual-property, privacy, publicity, or other rights;

  • Use website content to mislead, defraud, or improperly solicit another person; or

  • Encourage another person to engage in prohibited conduct.

We may restrict or terminate access where we reasonably believe these Terms have been violated.

12. Newsletters and Electronic Communications

When you subscribe to The Briefing or another communication, you may receive newsletters, insights, invitations, program information, or related messages in accordance with your consent and applicable law.

You may unsubscribe from promotional communications using the unsubscribe mechanism included in the message.

You may still receive necessary administrative, transactional, service, security, or account-related communications.

Email delivery is not guaranteed. Messages may be delayed, filtered, blocked, or directed to a spam folder by your email provider.

13. Accounts and Private Programs

Certain courses, communities, resources, or private programs may require an account.

You are responsible for:

  • Providing accurate registration information;

  • Maintaining the confidentiality of your login credentials;

  • Restricting access to your account;

  • Promptly notifying us of suspected unauthorized access; and

  • All activity conducted through your account unless prohibited by law.

Accounts and credentials are personal and may not be transferred or shared without authorization.

We may suspend or terminate an account for non-payment, misuse, security concerns, unlawful conduct, or a material violation of these Terms or an applicable program agreement.

14. Purchases, Fees, and Payment

When paid offerings become available, prices, payment schedules, included services, and applicable taxes will be presented at the time of purchase or in a separate written agreement.

By completing a purchase, you authorize the applicable payment provider to charge the selected payment method.

You agree to provide accurate billing and payment information.

Unless otherwise stated:

  • Prices may change for future purchases;

  • You are responsible for applicable taxes;

  • Payment obligations are not cancelled by non-attendance or non-use;

  • Access may be suspended for overdue or unsuccessful payments; and

  • Additional terms may apply to subscriptions, instalment plans, events, advisory services, and private programs.

15. Cancellations and Refunds

Eligibility for cancellations, credits, transfers, and refunds is governed by:

  • The terms displayed at the time of purchase;

  • Any separate agreement governing the service or program; and

  • Our Return and Refund Policy.

Where applicable consumer-protection law provides a mandatory right or remedy, that law will prevail over an inconsistent provision in these Terms.

16. Third-Party Websites and Services

The website may link to or integrate with third-party websites and services, including:

  • Related organizations;

  • Social media platforms;

  • Video and podcast platforms;

  • Payment processors;

  • Scheduling systems;

  • Email platforms;

  • Course or membership platforms;

  • Real-estate organizations;

  • Business partners; and

  • External articles and resources.

Links are provided for convenience and do not necessarily represent an endorsement.

We do not control and are not responsible for the content, security, availability, accuracy, privacy practices, products, services, or conduct of third parties.

Your use of a third-party website or service is governed by its own terms and policies.

17. Website Availability and Changes

We may modify, update, suspend, restrict, or discontinue any part of the website or an offering at any time.

We do not guarantee that:

  • The website will always be available;

  • Access will be uninterrupted or error-free;

  • Defects will be corrected immediately;

  • All features will remain available;

  • Content will remain in a particular format; or

  • The website will be free from viruses or harmful components.

We may perform maintenance, update technology, change service providers, or restrict access when reasonably necessary.

18. Disclaimer of Warranties

We disclaim all representations, warranties, and conditions, whether express, implied, statutory, or collateral, including implied warranties or conditions of:

To the maximum extent permitted by law, the website, its content, and any freely available resources are provided on an “as is” and “as available” basis.

  • Accuracy;

  • Completeness;

  • Reliability;

  • Merchantability;

  • Fitness for a particular purpose;

  • Non-infringement;

  • Availability;

  • Security; and

  • Results.

Nothing in these Terms excludes a warranty, condition, right, or remedy that cannot legally be excluded.

19. Limitation of Liability

To the maximum extent permitted by law, we and our officers, contractors, representatives, affiliates, licensors, and service providers will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising from or connected with:

  • Your access to or use of the website;

  • Your inability to access the website;

  • Reliance on website content;

  • Business, real-estate, financing, partnership, or investment decisions;

  • Lost profits, revenue, opportunities, data, goodwill, or anticipated savings;

  • Third-party conduct, content, products, or services;

  • Security incidents outside our reasonable control; or

  • An interruption, error, omission, delay, or technical failure.

Where liability cannot be completely excluded, our aggregate liability arising from freely available website content will be limited to CAD $100.

For a paid offering, any applicable liability limit may be stated in the separate purchase or service agreement.

These limitations do not apply where prohibited by law or to liability that cannot legally be limited.

20. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Niran Kulathungam and our representatives, contractors, affiliates, licensors, and service providers from claims, liabilities, damages, losses, and reasonable costs arising from:

  • Your unlawful use of the website;

  • Your material violation of these Terms;

  • Your infringement of another person’s rights;

  • Content or information you submit; or

  • Fraudulent, abusive, or intentionally harmful conduct.

This section does not require you to indemnify a party for that party’s own unlawful conduct, gross negligence, or wilful misconduct.

21. Suspension and Termination

We may suspend, restrict, or terminate your access to the website, account, program, or resource where reasonably necessary because of:

  • A violation of these Terms;

  • Non-payment;

  • Unlawful, fraudulent, abusive, or disruptive conduct;

  • Security or technical concerns;

  • Intellectual-property infringement;

  • Risk to another person or our operations; or

  • Discontinuation of the applicable offering.

Provisions that by their nature should survive termination will continue to apply, including provisions concerning intellectual property, disclaimers, limitations of liability, indemnification, governing law, and dispute resolution.

22. Privacy

Our collection and handling of personal information are described in our Privacy Policy.

By submitting information through the website, you acknowledge that your information will be handled in accordance with that policy and applicable law.

23. Governing Law and Jurisdiction

These Terms are governed by the laws of the Province of Ontario and the applicable federal laws of Canada, without regard to conflict-of-law principles.

Subject to any mandatory consumer-protection rights, the parties agree that disputes relating to these Terms or the website will be submitted to the courts of competent jurisdiction in Ontario, Canada.

Nothing in this section prevents either party from seeking urgent injunctive or protective relief where appropriate.

24. Severability

If a provision of these Terms is held to be invalid, illegal, or unenforceable, that provision will be interpreted or limited to the minimum extent necessary, and the remaining provisions will continue in effect.

24. Severability

If a provision of these Terms is held to be invalid, illegal, or unenforceable, that provision will be interpreted or limited to the minimum extent necessary, and the remaining provisions will continue in effect.

25. No Waiver

A failure or delay in enforcing a provision of these Terms does not waive the right to enforce that provision or another provision later.

26. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent.

We may assign these Terms as part of a restructuring, merger, sale, transfer of assets, or similar business transaction, subject to applicable law.

27. Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, Return and Refund Policy, any purchase terms, and any applicable written service or program agreement, constitute the agreement governing your use of the website and applicable offerings.

A separate signed agreement will take priority where it expressly conflicts with these website Terms.

28. Changes to These Terms

We may update these Terms periodically.

The updated version will be posted on the website with a revised effective date. Material changes may also be communicated through another appropriate method.

Your continued use of the website after revised Terms are posted constitutes acceptance of the updated Terms.

29. Contact Information

Questions regarding these Terms may be directed to:

Niran Kulathungam