TERMS OF SERVICE

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OVERVIEW

This website and app is operated by Explorer Hop. Throughout the site, the terms “we”, “us” and “our” refer to Explorer Hop. Explorer Hop offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

By visiting our site and/ or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

Any new features or tools which are added to the current site or to the current store shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.

Those submitting information such as Recipes, Art Work, Financial Knowledge and information on Global Awareness or any other such information,  are also bound by this agreement and all things submitted by them becomes the sole property of Explorer Hop and any subsidiaries Explorer Hop may have.  Explorer Hop may choose to share this information as it deems appropriate and does not need permission in any way to do so.

Our store is hosted on Shopify Inc. They provide us with the online e-commerce platform that allows us to sell our products and services to you. Explorer Hop is a brand name owned by Bridgefield Inc. 

SECTION 1 - TERMS OF USE

ExplorerHop App Terms of Use

Last Updated: August 2026

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1. Agreement to Terms

Welcome to ExplorerHop ("we," "us," "our," "App," or "ExplorerHop"). These Terms of Use ("Terms") constitute a legally binding agreement between you and ExplorerHop regarding your use of our mobile application and associated services.

By downloading, installing, accessing, or using the ExplorerHop app, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the App.

For users under 18: If you are under 18 years old, you and your parent or legal guardian must agree to these Terms. Parents/guardians are responsible for monitoring their child's use of the App.

Modifications to Terms: We may update these Terms at any time. We will notify you of material changes via email or in-app notification. Your continued use of the App following such changes constitutes acceptance of the updated Terms.

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2. License and Use

2.1 Limited License Grant

Subject to your compliance with these Terms, ExplorerHop grants you a limited, non-exclusive, non-transferable, revocable license to:

• Download and install the App on devices you own or control
• Use the App solely for personal, non-commercial educational purposes
• Access course content and educational materials

This license does NOT grant you the right to:

• Transfer or sublicense the App
• Modify, adapt, or create derivative works
• Reverse engineer, decompile, or disassemble the App
• Use the App for commercial purposes
• Rent, lease, or loan the App to others
• Use the App on devices you do not own or control

2.2 Intellectual Property Rights

All content, materials, and features within ExplorerHop—including but not limited to course content, videos, graphics, text, designs, logos, and interactive elements—are the exclusive property of ExplorerHop or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or publicly display any content without our prior written consent.

2.3 Apple and Google Disclaimers

For iOS (Apple App Store): You acknowledge that:

• This license is limited to use on Apple devices you own or control
• The license is revocable and non-transferable
• Apple has no obligation to provide maintenance or support for the App
• ExplorerHop, not Apple, is responsible for addressing claims relating to the App
• Apple is not a party to these Terms and has no liability for the App

For Android (Google Play Store): You acknowledge that:

• Google Play is only the distribution platform
• Google is not responsible for the App's content or functionality
• Google provides the App "as is" and disclaims all warranties
• ExplorerHop, not Google, is responsible for customer support

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3. Account Registration and Eligibility

3.1 Account Creation

To access certain features of the App, you may need to create an account. When registering, you agree to:

• Provide accurate, complete, and current information
• Update your information to maintain accuracy
• Keep your password confidential
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities under your account

3.2 Age Requirements

Users Ages 5-12: Must have verifiable parental/guardian consent before account creation. Parents/guardians are responsible for monitoring use.

Users Ages 13-17: Can create accounts with parental consent or notification, as required by law.

Users 18+: Can create accounts independently.

3.3 Eligibility

By creating an account, you represent and warrant that:

• You are the age stated (or have parental consent if under 18)
• You have authority to enter into this agreement
• You are not prohibited by law from using the App
• All information provided is true and accurate
• You have not been suspended or banned from ExplorerHop previously

ExplorerHop reserves the right to refuse service to anyone who violates these eligibility requirements.

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4. Acceptable Use Policy

4.1 Prohibited Conduct

You agree NOT to use the App to:

Illegal Activities:

• Violate any local, state, national, or international law or regulation
• Engage in fraud, hacking, or unauthorized access
• Transmit malware, viruses, or harmful code
• Facilitate money laundering or financing of illegal activities

Harassment and Safety:

• Harass, threaten, bully, or intimidate other users or staff
• Impersonate any person or entity
• Engage in stalking, doxxing, or targeted harassment
• Create multiple accounts to circumvent restrictions
• Share personal information of others without consent

Content Violations:

• Post, upload, or transmit hate speech, discrimination, or bigotry
• Share sexually explicit, pornographic, or child exploitation material
• Post graphic violence or gore
• Upload copyrighted material without authorization
• Spam, flood, or post repetitive messages
• Promote self-harm, eating disorders, or suicide

Commercial Misuse:

• Scrape or extract course content for commercial purposes
• Resell access to the App or course materials
• Use the App for unauthorized commercial activity
• Violate any terms of service or license agreements
• Interfere with the App's operation or infrastructure

4.2 Content Moderation

ExplorerHop reserves the right to:

• Remove any content that violates these Terms
• Suspend or terminate accounts without refund
• Report illegal activity to authorities
• Cooperate with law enforcement
• Block or restrict access to the App

We use automated systems and human review to enforce these policies. We strive to act fairly but are not liable for any actions taken in good faith.

4.3 Reporting Violations

If you encounter prohibited content or behavior, please report it to: hello@explorerhop.com

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5. User-Generated Content and Discussion Forums

5.1 Your Content

If the App allows you to post, upload, or submit content (including forum posts, comments, or assignments):

• You retain ownership of your content
• You grant ExplorerHop a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display your content
• You represent that your content does not infringe anyone's rights
• You are solely responsible for your content
• ExplorerHop may remove content that violates these Terms without liability

5.2 Discussion Forums (if available)

If the App includes discussion forums or social features:

• You are responsible for your posts and interactions
• Other users' opinions do not represent ExplorerHop
• ExplorerHop does not endorse user-generated content
• ExplorerHop reserves the right to moderate, edit, or remove posts
• Users who violate forum rules may be suspended or banned

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6. Payment Terms and Subscriptions

6.1 Free and Paid Courses

ExplorerHop offers both free and paid courses. Pricing and availability are subject to change at any time with notice. ExplorerHop reserves the right to modify, discontinue, or change pricing for any course or subscription tier.

6.2 In-App Purchases and Subscriptions

Pricing and Authorization:

• All courses and subscriptions are available through your device's app store (Apple App Store for iOS or Google Play for Android)
• By completing a purchase, you authorize and direct the App Store to charge your payment method
• Prices are displayed before you complete your purchase in the App Store
• Applicable sales taxes and fees are included in the displayed price and charged by the App Store
• You are responsible for all charges associated with your account

What You're Purchasing:

• You are purchasing a license to access educational course content, not ownership of the content
• Access is limited to personal, educational, non-commercial use
• ExplorerHop may modify course content at any time
• Purchasing does not guarantee permanent access; ExplorerHop may discontinue courses
• Downloaded materials remain the intellectual property of ExplorerHop

Price Information:

• Current pricing for all courses is displayed in the App Store listing
• Pricing may vary by region, currency, and App Store
• ExplorerHop may introduce promotional pricing or pricing changes with advance notice
• Existing subscriptions will continue at the current price until renewal

6.3 Subscription Terms and Auto-Renewal

Subscription Details: ExplorerHop offers subscription-based access to course content. Subscription terms include:

Subscription Tiers (pricing subject to change):

• Monthly subscriptions: Renew automatically every 30 days
• Annual subscriptions: Renew automatically every 365 days
• Course-specific subscriptions: Renew on the dates specified at purchase

Automatic Renewal:

• Your subscription will automatically renew at the end of each billing period
• Unless you cancel BEFORE your renewal date, your payment method will be charged
• The charge occurs on the same date each billing cycle (e.g., if you subscribe on the 15th, you will be charged on the 15th of each month)
• By purchasing a subscription, you explicitly consent to automatic renewal and recurring charges

Subscription Fees:

• Subscription fees are charged upfront for the initial period and then recurring at the end of each billing cycle
• You will receive a reminder notification before renewal (where available)
• The exact amount will be displayed in the App Store before you confirm purchase
• Taxes and fees vary by location and will be calculated by the App Store

Free Trial Periods (if applicable):

• Some subscriptions may include a free trial period (duration specified at purchase)
• Free trial periods are available to new subscribers only
• Your subscription will automatically convert to a paid subscription at the end of the free trial unless canceled beforehand
• Your payment method will be charged on the first day after the free trial ends
• Any unused portion of a free trial period will be forfeited when you convert to paid

6.4 How to Manage, Cancel, or Modify Your Subscription

You have the right to cancel your subscription at any time. Cancellation instructions vary by platform:

For iOS Users (Apple App Store):

1. Open the Settings app on your device
2. Tap [Your Name] at the top
3. Tap Subscriptions
4. Find ExplorerHop in the list
5. Tap ExplorerHop and then Manage
6. Tap Cancel Subscription (or equivalent option)
7. Follow the prompts to confirm cancellation
8. You will receive a confirmation from Apple

Alternative iOS Method:

1. Open the App Store app
2. Tap Account (profile icon) in the bottom right
3. Tap Subscriptions
4. Find ExplorerHop
5. Tap it and select Cancel Subscription

For Android Users (Google Play Store):

1. Open the Google Play Store app
2. Tap Account (profile icon) in the top right
3. Tap Manage your Google Account
4. Go to the Payments and subscriptions tab
5. Tap Subscriptions
6. Select ExplorerHop
7. Tap Cancel Subscription
8. Follow the prompts and confirm

Alternative Android Method:

1. Open Google Play Store
2. Tap your profile icon
3. Select Payments and subscriptions
4. Choose Subscriptions
5. Find ExplorerHop
6. Tap it and select Cancel

Direct Contact: For assistance with cancellation or subscription management, contact ExplorerHop at: hello@explorerhop.com

Important Cancellation Information:

• Cancellations take effect immediately upon confirmation
• You will lose access to premium course content once your subscription is canceled
• Your cancellation is final; no partial refunds are issued for cancellations mid-billing cycle
• You will NOT be charged again after cancellation
• If you cancel before your renewal date, you will maintain access until the end of your current billing period

6.5 Refund Policy

Refund Eligibility:

ExplorerHop's refund policy is as follows:

Refunds May Be Issued For:

• Technical Defects: The course or app feature failed to work as described due to a bug or technical issue
• Unauthorized Purchases: A subscription was purchased without authorization or by a child without parental consent
• Unused Content: The subscription was purchased but you have not accessed any course material (within 14 days of purchase)
• Service Failure: The app or course content was unavailable for more than 48 hours during your subscription period

Refunds Will NOT Be Issued For:

• Courses accessed, viewed, downloaded, or substantially completed
• Courses accessed more than 7 days after purchase (considered used/consumed)
• Change of mind or dissatisfaction with course content
• Unauthorized use after account access is provided
• Purchases made through Apple or Google directly (see their policies)
• Duplicate or accidental purchases where access was granted
• Failure to cancel a subscription by the renewal date
• Subscriptions purchased during promotional periods

How to Request a Refund:

Step 1: Contact ExplorerHop Directly (Recommended)

• Email: hello@explorerhop.com
• Subject line: "Refund Request - [Your Name]"
• Include:
  • Your name and account email
  • Date and amount of purchase
  • Reason for refund request
  • Any supporting evidence (e.g., error messages, screenshots)

ExplorerHop will review your request and respond within 5 business days.

Step 2: If ExplorerHop Cannot Help If ExplorerHop denies your refund request or does not respond within 5 business days:

For Apple (iOS):

1. Go to reportaproblem.apple.com
2. Sign in with your Apple ID
3. Select Subscriptions and In-App Purchases
4. Find the transaction for ExplorerHop
5. Click Report a Problem
6. Select I would like a refund for this purchase
7. Explain your reason and submit

Apple will review your request and respond within 10-14 days.

For Google Play (Android):

1. Open the Google Play Store app or website
2. Go to Account > Payments and subscriptions > Subscriptions
3. Select ExplorerHop
4. Tap Report a problem
5. Select Request a refund
6. Explain your reason and submit

Google will review your request and respond within 7-14 days.

Refund Processing Timeline:

• If approved, refunds are processed within 5-10 business days
• Refunds are issued to your original payment method
• Your subscription access will be terminated upon refund approval
• You will receive confirmation via email once the refund is processed

Refund Frequency Limits:

• Excessive refund requests may be denied
• Patterns of refund requests may result in account termination
• Users with multiple approved refunds may have purchase restrictions applied

6.6 Billing and Payment Method

Payment Processing:

• All payments are processed securely through Apple (iOS) or Google (Android) payment systems
• ExplorerHop never directly handles your payment information
• Your payment method is stored securely by the App Store
• You are responsible for providing accurate payment information

Failed Payments:

• If your payment method fails at renewal, the App Store will attempt to charge it multiple times
• If payment continues to fail, your subscription will be suspended
• You may be unable to access premium content until payment succeeds
• Reactivating a failed subscription may incur additional charges

Changes to Payment Method:

• Update your payment method directly through:
  • iOS: Settings > [Your Name] > Payment Method
  • Android: Google Play Store > Account > Payment Methods
• Changes take effect at your next renewal date

6.7 Pricing Changes

Notice of Changes:

• ExplorerHop may change subscription prices at any time
• You will receive notice of significant price increases via email or in-app notification
• Price changes take effect at your next renewal date
• You have the right to cancel your subscription before the new price takes effect
• Continued use after notification constitutes acceptance of the new price

Current Pricing:

• Current subscription prices are displayed in the App Store
• Pricing is subject to change without notice for new purchases
• Existing subscriptions continue at the current rate until renewal

6.8 EU 14-Day Consumer Right to Cancel

For Users in the European Union: You have the right to cancel your subscription within 14 days of purchase without providing a reason, as required by EU consumer protection law.

How to Exercise Your Right:

1. Contact ExplorerHop within 14 days of purchase at: hello@explorerhop.com
2. Request cancellation and provide your order information
3. ExplorerHop will issue a full refund within 14 days of your cancellation request

This right does NOT apply if you have already accessed substantial course content.

6.9 Disputed Charges and Chargebacks

Disputing a Charge with ExplorerHop:

1. Contact hello@explorerhop.com within 30 days of the charge
2. Provide your account information and details about the disputed charge
3. ExplorerHop will investigate and respond within 10 business days
4. If the charge was unauthorized, ExplorerHop will issue a refund

Disputing a Charge with Your App Store:

For Apple:

• Visit reportaproblem.apple.com
• Report the unauthorized transaction
• Apple may issue a refund directly

For Google:

• Open Google Play Store and go to Account > Payments and subscriptions
• Select the disputed transaction
• Tap Report a problem
• Google will investigate

Chargeback Process:

• You may dispute charges with your credit card issuer or bank
• Filing a chargeback may result in account termination and legal action
• Please attempt resolution with ExplorerHop or the App Store first
• Excessive chargebacks may result in permanent account suspension

6.10 Taxes and Fees

Tax Calculation:

• Sales tax, VAT, GST, or other applicable taxes are calculated and charged by the App Store
• The displayed price may not include taxes; the final amount will be shown before confirmation
• Tax amounts vary by location and are non-refundable
• You are responsible for any applicable taxes on your purchases

Additional Fees:

• Currency conversion fees may apply if you pay in a different currency than your device's location
• Your bank or payment provider may charge additional fees
• ExplorerHop is not responsible for third-party fees

6.11 Restrictions on Purchases

Age Restrictions:

• Users under 13 cannot make in-app purchases without parental consent
• Users 13-17 may have purchase restrictions depending on device settings
• Users 18+ can make unrestricted purchases
• Parents can set parental controls to restrict purchases

Device Restrictions:

• Subscriptions are tied to your account, not your device
• You can access your subscription on multiple Apple or Google devices under the same account
• You cannot share subscription access with other accounts
• Sharing credentials to circumvent payment is prohibited

Regional Restrictions:

• Some courses or subscriptions may not be available in your region
• Pricing varies by region and currency
• ExplorerHop may restrict access based on geographic location

6.12 Acknowledgment of Subscription Terms

By completing an in-app purchase of a subscription, you acknowledge and agree to:

• Automatic renewal and recurring billing
• The subscription price, renewal date, and billing cycle
• Your right to cancel at any time (instructions provided)
• The refund policy and limitations
• That you have read and understand these subscription terms
• That you are authorized to make this purchase (or have parental consent if under 18)

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7. Educational Content and Disclaimers

7.1 Educational Purpose

ExplorerHop provides educational content on personal finance, investing, mathematics, and other subjects. Content is designed for educational purposes only and NOT as professional financial, investment, or legal advice.

7.2 No Professional Advice

ExplorerHop does NOT provide:

• Investment advice or recommendations
• Financial planning services
• Legal advice
• Tax advice
• Professional financial consulting

Users should consult qualified professionals (financial advisors, accountants, lawyers) before making financial decisions.

7.3 Market Data Disclaimer

ExplorerHop uses simulated stock market platforms and historical market data for educational purposes. Simulated trading:

• Does NOT involve real money or actual trades
• Does NOT reflect actual market conditions with perfect accuracy
• Is for educational demonstrations only
• Should NOT be used for real investment decisions

7.4 Course Accuracy

While ExplorerHop strives to provide accurate content:

• We do not guarantee accuracy or completeness
• Financial markets and regulations change frequently
• Users should verify information independently
• ExplorerHop is not liable for decisions based on course content

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8. Limitation of Liability

8.1 Disclaimer of Warranties

THE APP AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. EXPLORERHOP DISCLAIMS ALL WARRANTIES, INCLUDING:

• Fitness for a particular purpose
• Merchantability
• Non-infringement
• Accuracy, reliability, or completeness
• Uninterrupted or error-free operation

We do not warrant that:

• The App will meet your requirements
• The App will be uninterrupted or error-free
• Defects will be corrected
• The App is free from viruses or harmful components

8.2 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• ExplorerHop is NOT liable for indirect, incidental, special, or consequential damages
• This includes loss of profits, data, business interruption, or other commercial losses
• This limitation applies even if we have been advised of possible damages
• Some jurisdictions do not allow limitation of liability; in those cases, our liability is limited to the amount you paid for the App (maximum $100)

8.3 Apple and Google Liability

Apple and Google are not party to these Terms and have no liability for:

• The App's functionality, content, or safety
• Your use of the App
• Any damages or losses arising from the App
• Your interaction with other users

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9. Indemnification

You agree to indemnify, defend, and hold harmless ExplorerHop, its founders, officers, employees, and agents from:

• Claims arising from your violation of these Terms
• Your use of the App
• Your content or conduct
• Infringement of third-party rights by your content
• Any unauthorized access using your account

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10. Termination

10.1 Termination by You

You can terminate your account at any time by:

• Deleting the App from your device
• Submitting a deletion request to: hello@explorerhop.com
• Following account deletion steps in the App settings

10.2 Termination by ExplorerHop

ExplorerHop may terminate or suspend your account immediately without notice if:

• You violate these Terms
• Your conduct harms other users or ExplorerHop
• Your account is used for illegal activities
• You breach the Acceptable Use Policy
• Required by law or legal process

10.3 Effect of Termination

Upon termination:

• Your license to use the App is revoked
• Your access is immediately disabled
• Paid subscriptions may not be refundable (except as required by law)
• Your account data may be deleted
• Provisions surviving termination remain in effect

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11. Privacy and Data Protection

ExplorerHop's collection and use of personal information is governed by our Privacy Policy, which is incorporated by reference into these Terms.

For information about how we collect, use, and protect your data, please review our Privacy Policy at: https://explorerhop.com/privacy

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12. Third-Party Services and Links

12.1 Third-Party Content

ExplorerHop may include links to third-party websites and services (social media, payment processors, learning platforms). We are NOT responsible for:

• Third-party content or services
• Their privacy practices or terms
• Your interaction with them
• Any harm from using them

12.2 Third-Party SDKs and APIs

The App may use third-party software development kits (SDKs) and application programming interfaces (APIs) for:

• Payment processing
• Analytics
• Cloud storage
• Content delivery
• Market data feeds

These third parties may collect data as described in their terms. Review their privacy policies for details.

12.3 No Endorsement

Links to third-party services do NOT constitute endorsement. ExplorerHop has no control over their content or practices.

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13. Compliance with Laws

13.1 Legal Compliance

You agree to use the App in compliance with all applicable laws, regulations, and our Terms. ExplorerHop complies with:

• Children's Online Privacy Protection Act (COPPA)
• Family Educational Rights and Privacy Act (FERPA)
• General Data Protection Regulation (GDPR)
• California Consumer Privacy Act (CCPA)
• Canada's Personal Information Protection and Electronic Documents Act (PIPEDA)
• All other applicable laws in jurisdictions where the App is used

13.2 Export Restrictions

The App may be subject to export controls. You agree NOT to:

• Export or re-export the App to restricted countries
• Use the App in violation of U.S. or Canadian export laws
• Provide the App to prohibited persons or entities

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14. Dispute Resolution

14.1 Governing Law

These Terms are governed by and construed in accordance with the laws of Ontario, Canada, without regard to conflict of law principles.

14.2 Jurisdiction and Venue

You agree that any legal action or proceeding arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.

14.3 Informal Resolution

Before initiating formal proceedings, please attempt to resolve disputes informally:

1. Contact ExplorerHop at: hello@explorerhop.com
2. Provide details of your dispute
3. Allow 30 days for response and good-faith negotiation

14.4 Arbitration (if applicable)

If informal resolution fails, disputes may be resolved through binding arbitration rather than court proceedings. By using the App, you agree to arbitrate disputes (except for claims involving child safety).

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15. Severability and Waiver

15.1 Severability

If any provision of these Terms is found invalid or unenforceable, that provision is severed, and the remaining provisions continue in full force and effect.

15.2 Waiver

Our failure to enforce any right or provision does not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative.

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16. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and ExplorerHop regarding the App. All prior agreements, understandings, and communications are superseded.

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17. Special Provisions for Children

17.1 Parental Responsibility

Parents and guardians who permit their child to use ExplorerHop assume full responsibility for:

• Monitoring their child's use
• Ensuring appropriate use
• Addressing any concerns
• Supervising payment transactions

17.2 Child Safety

ExplorerHop takes child safety seriously. We:

• Do not knowingly collect excessive data from children
• Provide parental controls and monitoring
• Have zero tolerance for child exploitation
• Report illegal activity to authorities
• Comply with COPPA and child protection laws

17.3 Parental Controls

Parents can:

• Access and manage their child's account
• View progress and performance data
• Control communication settings
• Limit course selections
• Request data deletion

For assistance, contact: hello@explorerhop.com

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18. Contact Information

18.1 Support Requests

For questions, complaints, or support:

• Email: hello@explorerhop.com
• Website: https://explorerhop.com
• Mailing Address: ExplorerHop, Toronto, Ontario, Canada

18.2 Response Time

We aim to respond to all inquiries within 10 business days.

18.3 App Store Support

For app-specific issues related to Apple or Google:

• iOS Users: Contact Apple Support
• Android Users: Contact Google Play Support

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19. Accessibility

ExplorerHop is committed to accessibility. If you encounter accessibility barriers:

• Contact us at: hello@explorerhop.com
• Provide specific details of the accessibility issue
• We will work to resolve the issue promptly

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20. Additional Apple App Store Requirements

For iOS users, the following additional terms apply:

20.1 License Scope

The license granted by Apple in the App Store Terms and Conditions applies to the App. Your use is subject to those terms and conditions.

20.2 Apple Support Disclaimer

You acknowledge that Apple is NOT responsible for:

• App functionality or performance
• Maintenance or support services
• Compliance with law or regulation
• Your use of the App

20.3 Product Claims

ExplorerHop, not Apple, is responsible for addressing any claims by you or third parties concerning the App or your use of it.

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21. Additional Google Play Store Requirements

For Android users, the following additional terms apply:

21.1 Google as Intermediary

Google Play is solely the distribution platform. These Terms govern your relationship with ExplorerHop, not Google.

21.2 Compliance with Google Policies

Your use of the App must comply with Google Play's policies and requirements.

21.3 Account Deletion

If you request account deletion, ExplorerHop will delete your account data within a reasonable timeframe, subject to legal retention requirements.

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22. Changes to the App

ExplorerHop reserves the right to:

• Modify or discontinue features
• Update course content
• Change pricing
• Alter the App's functionality
• Remove the App from app stores
• Impose new or additional charges (with notice)

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Acknowledgment

BY DOWNLOADING AND USING THE EXPLORERHOP APP, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF USE.

If you do not agree to these Terms, do NOT use the App.

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END OF TERMS OF USE

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Appendix A: Summary of Key Terms

Topic	Key Point
License	Limited, revocable, non-transferable
Age	5+ with parental consent; 13+ may create own account; 18+ full independence
Subscriptions	Automatic renewal at end of each billing cycle unless canceled
Cancellation	Easy cancel anytime via Settings > Subscriptions; no refunds for partial periods
Free Trial	Auto-converts to paid subscription at end of trial unless canceled
Auto-Renewal	You consent to recurring charges by subscribing
Refunds	14 days for unused content; unused is ≤7 days access; technical issues only
Price Changes	Changes take effect at next renewal; you can cancel before price increase
EU Consumer Rights	14-day cancellation right for EU users without reason
Disputed Charges	Contact ExplorerHop first, then Apple/Google, then credit card issuer
Prohibited	Illegal activity, harassment, hate speech, exploitation, commercial misuse
Warranty	NONE—App provided "as is"
Liability	Limited to $100 or amount paid, whichever is less
Termination	Account may be terminated for policy violations without refund
Governing Law	Ontario, Canada
Contact	hello@explorerhop.com

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Version 1.0 | August 2026

By agreeing to these Terms of Service, you represent that to purchase our products you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site. Furthermore, you acknowledge and accept responsibility of all minors who may or many not be your dependents but for whom you have purchased items from Explorer Hop. In doing so, you absolve Explorer Hop of any and all responsibility of all kinds. You further acknowledge and accept responsibility for content that the minors who may or may not be your dependents but for whom you have purchased the products from Explorer Hop, may read or acquire while on this site. The site uses fictional characters who perform different feats. Under no circumstances will Explorer Hop or any of the companies used by Explorer Hop be responsible for any individual who chooses to be inspired, copy or in any way imitate or act on the actions of these fictional characters. 

You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).
You must not transmit any worms or viruses or any code of a destructive nature.
A breach or violation of any of the Terms will result in an immediate termination of your Services with no refunds provided and Explorer Hop reserves the right to consider and take any action it deems appropriate.

SECTION 2 - GENERAL CONDITIONS

We reserve the right to refuse service to anyone for any reason at any time.
You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.
The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

SECTION 3 - ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.
This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.

SECTION 4 - MODIFICATIONS TO THE SERVICE AND PRICES

Prices for our products are subject to change without notice.
We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.
We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.

SECTION 5 - PRODUCTS OR SERVICES

Certain products or services may be available exclusively online through the website. These products or services may have limited quantities and are subject to refund as per our Return Policy.
We have made every effort to display as accurately as possible the content of our products that appear at the store. We cannot guarantee that your computer monitor's display of any color will be accurate.
We reserve the right, but are not obligated, to limit the sales of our products or Services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at anytime without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product or service made on this site is void where prohibited.
We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.

SECTION 6 - ACCURACY OF BILLING AND ACCOUNT INFORMATION

We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel orders purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.

You agree to provide current, complete and accurate purchase and account information for all purchases made at our store. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

For more detail, please review our Returns Policy.

SECTION 7 - OPTIONAL TOOLS

We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.
You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.
Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).
We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.

SECTION 8 - THIRD-PARTY LINKS

Certain content, products and services available via our Service may include materials from third-parties.
Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.
We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

SECTION 9 - USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, 'comments'), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. All submissions made to us by all individuals on our web site become the sole property of Explorer Hop and these can be edited, displayed, distribute or any other form of transaction as seen fit by Explorer Hop. We are and shall be under no obligation (1) to maintain any comments or submissions in confidence; (2) to pay compensation for any comments or submissions; or (3) to respond to any comments or submissions.
We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.
You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You agree that all comments and submissions are original and not "copied", "Stolen" or "Borrowed" from any other party or acquired from anyone else. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

SECTION 10 - PERSONAL INFORMATION

Your submission of personal information through the store is governed by our Privacy Policy. To view our Privacy Policy.

SECTION 11 - ERRORS, INACCURACIES AND OMISSIONS

Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).
We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.

SECTION 12 - PROHIBITED USES

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

SECTION 13 - DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.
We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.
You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.
You expressly agree that your use of, or inability to use, or the inability of the minors for whom you may have purchased the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.
In no case shall Explorer Hop, Bridgefield Inc, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

SECTION 14 - INDEMNIFICATION

You agree to indemnify, defend and hold harmless Explorer Hop and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

SECTION 15 - SEVERABILITY

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

SECTION 16 - TERMINATION

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.
These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.
If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).

SECTION 17 - ENTIRE AGREEMENT

The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.
These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).
Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.

SECTION 18 - PRIVACY & DATA POLICY

ExplorerHop App Privacy Policy

Last Updated: August 2026

1. Introduction

ExplorerHop ("we," "us," "our," or "Company") operates the ExplorerHop mobile application (the "App"). We are committed to protecting the privacy of our users, particularly children and teens, in compliance with applicable laws and regulations including the Children's Online Privacy Protection Act (COPPA), General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), and all app store requirements.

This Privacy Policy explains what information we collect, how we use it, who we share it with, and the rights users have regarding their personal data.

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2. Information We Collect

2.1 Information Users Provide Directly

Account Registration:

• Name
• Email address
• Age or date of birth
• Username and password
• Grade level or educational stage
• Course selections and preferences
• Payment information (for premium accounts)

User-Generated Content:

• Quiz and test responses
• Course completion data
• Discussion forum posts (if available)
• Feedback and support inquiries

Communications:

• Messages sent through our support system
• Emails and communications with customer service

2.2 Automatically Collected Information

Device Information:

• Device type (iOS or Android)
• Operating system and version
• Device identifier (IDFA for iOS, Android Advertising ID)
• Device IP address
• Browser type and version

Usage Analytics:

• Pages or features accessed
• Time spent in the app
• Courses enrolled in and progress
• Quiz and assessment scores
• Video viewing activity
• App crashes and errors
• Click patterns and navigation behavior

Location Information:

• We do NOT collect precise GPS location data
• We may collect coarse location information (city-level) based on IP address for analytics purposes only

Cookies and Similar Technologies:

• Session cookies to maintain login status
• Preference cookies to remember user settings
• Analytics cookies to track usage patterns

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3. How We Use Your Information

We collect and use information for the following purposes:

Educational Services:

• Provide and personalize course content
• Track academic progress and course completion
• Generate certificates and achievements
• Provide personalized learning recommendations

Account Management:

• Create and manage user accounts
• Process payments for premium courses
• Send account notifications and updates
• Verify user identity

Communication:

• Respond to support inquiries
• Send educational updates and notifications
• Notify users of important policy changes
• Send marketing communications (with consent)

Analytics and Improvement:

• Analyze app usage to improve functionality
• Identify technical issues and bugs
• Understand user preferences and behavior
• Optimize course content delivery

Legal Compliance:

• Comply with legal obligations
• Enforce our Terms of Service
• Protect against fraud and abuse
• Ensure child safety (for users under 13)

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4. Legal Basis for Processing (GDPR)

For users in the European Union and European Economic Area, we process personal data based on:

• Contractual necessity (to provide our services)
• Parental or user consent
• Legal obligation (COPPA compliance, child protection)
• Legitimate interests (service improvement, fraud prevention)

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5. Children's Privacy and COPPA Compliance

ExplorerHop is designed for users ages 5 and older, including children under 13. We take children's privacy very seriously and fully comply with the Children's Online Privacy Protection Act (COPPA).

5.1 For Users Under 13

Parental Consent:

• We require verifiable parental consent before collecting personal information from children under 13
• Parents can manage their child's account and privacy settings
• Parents may request to review, update, or delete their child's information

Limited Data Collection:

• We collect only information necessary to provide our educational services
• We do NOT collect precise location data from children
• We do NOT use interest-based advertising or behavioral tracking
• We do NOT share children's data with third parties for marketing purposes

No Targeted Advertising:

• ExplorerHop does NOT display behavioral or interest-based advertisements to users under 13
• Any ads shown are contextual only

Parental Controls:

• Parents can access their child's account dashboard
• Parents receive progress reports and notifications
• Parents can update or delete their child's information at any time

Contact for Parental Rights: For parental inquiries about child data, please contact: hello@explorerhop.com

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6. Data Sharing and Third Parties

6.1 We DO NOT Share Data For:

• Direct marketing purposes
• Behavioral advertising or profiling
• Sale to data brokers or advertisers
• Profit or commercial gain beyond our educational services

6.2 We Share Data With:

Service Providers (Data Processors):

• Payment processors (for tuition/subscription processing)
• Cloud storage providers (AWS, Google Cloud) for secure data hosting
• Email delivery services (for notifications and communications)
• Analytics platforms (Google Analytics - aggregated data only)
• Customer support platforms

All service providers sign Data Processing Agreements and are prohibited from using data for any purpose other than providing services to ExplorerHop.

Legal Requirements:

• We may disclose information when required by law, court order, or government request
• We may disclose information to protect our legal rights and the safety of our users

Institutional Partners:

• If a school or educational institution enrolls students, aggregate, anonymized data may be shared to demonstrate learning outcomes (specific student data requires school authorization)

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7. Data Security

Security Measures:

• All data is encrypted in transit (SSL/TLS)
• Passwords are hashed and salted
• Sensitive data (payment information) is encrypted at rest
• Regular security audits and penetration testing
• Secure access controls and authentication
• Limited employee access to personal data (need-to-know basis)

Data Retention:

• Account data is retained as long as the account is active
• Users can request data deletion at any time
• Deleted data is removed from active systems within 30 days
• Backup copies may retain data for up to 90 days for recovery purposes
• Payment records are retained as required by law (7 years)

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8. User Rights and Choices

8.1 Data Subject Rights (GDPR & CCPA)

Users have the right to:

• Access: Request a copy of their personal data
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of their data ("Right to be Forgotten")
• Portability: Request data in a portable format
• Objection: Object to certain types of processing
• Restrict: Request restriction of data processing
• Withdraw Consent: Withdraw consent at any time

8.2 How to Exercise Your Rights

To exercise any of these rights, please contact us at: hello@explorerhop.com

We will respond to all requests within 30 days.

8.3 Parental Rights (for users under 13)

Parents can:

• Review their child's personal information
• Request correction or deletion of data
• Decline further collection or use of the child's information
• Manage communication preferences

Contact: hello@explorerhop.com

8.4 Communication Preferences

Users can opt out of:

• Marketing emails
• Non-essential notifications
• Analytics tracking (within app settings)

These preferences can be updated in the app's settings menu.

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9. Third-Party Links and Services

ExplorerHop may contain links to third-party websites and services. This Privacy Policy does not apply to third-party services, and we are not responsible for their privacy practices. We encourage you to review their privacy policies before providing personal information.

External Services Used:

• Wall Street Live Feed (for investment simulations)
• Third-party payment processors
• Third-party learning management integrations

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10. Cookies and Tracking Technologies

ExplorerHop uses the following types of cookies:

Essential Cookies:

• Session management and login
• Security and fraud prevention

Preference Cookies:

• Remember user settings and language preferences
• Save course bookmarks and progress

Analytics Cookies:

• Track usage patterns (aggregated data only)
• Identify technical issues

Tracking Disclosure:

• We do NOT use cross-app tracking
• We do NOT participate in app network attribution services
• For iOS apps, we comply with App Tracking Transparency (ATT) requirements

Users can disable non-essential cookies through app settings or device preferences.

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11. International Data Transfers

ExplorerHop is based in Canada. Data may be transferred to, stored in, and processed in Canada and the United States. If you are accessing ExplorerHop from outside Canada or the US, you consent to the transfer of your information to these countries, which may have different data protection laws.

For users in the EU/EEA, we implement appropriate safeguards including Standard Contractual Clauses (SCCs) for international data transfers.

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12. Data Breach Notification

In the event of a data breach affecting personal information, we will:

• Notify affected users without unreasonable delay
• Notify relevant regulatory authorities where required by law
• Provide information about the breach, affected data, and protective measures

Breach Notification Contact: hello@explorerhop.com

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13. California Privacy Rights (CCPA/CPRA)

California residents have the following additional rights:

Right to Know:

• What personal information is collected
• The purposes for which it is used
• Categories of sources and third parties

Right to Delete:

• Request deletion of personal information collected from you

Right to Opt-Out:

• Opt-out of the "sale" or "sharing" of personal information
• Opt-out of targeted advertising and profiling

Right to Correct:

• Correct inaccurate personal information

Right to Non-Discrimination:

• We will not discriminate against you for exercising your rights

Authorized Agent:

• You may designate an authorized agent to make requests on your behalf

To submit a CCPA request: hello@explorerhop.com

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14. Canadian Privacy Laws (PIPEDA)

ExplorerHop complies with the Personal Information Protection and Electronic Documents Act (PIPEDA). Users in Canada have the right to:

• Request access to personal information
• Request correction of personal information
• Request deletion of personal information
• Withdraw consent

Contact our Privacy Officer: hello@explorerhop.com

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15. Policy Updates and Changes

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will notify users of significant changes by:

• Posting the updated policy on our website and within the app
• Sending notification emails to registered users
• Requiring explicit consent if required by law

Your continued use of the app after changes constitutes acceptance of the updated Privacy Policy.

Last Updated: August 2026

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16. Contact Us

For privacy-related inquiries, concerns, or to exercise your rights, please contact:

ExplorerHop Privacy Team Email: hello@explorerhop.com Address: Toronto, Ontario, Canada Website: https://explorerhop.com

Response Time: We aim to respond to all inquiries within 10 business days.

EU/EEA Data Protection Authority: If you have concerns about how we handle your data, you may lodge a complaint with your national Data Protection Authority.

Canadian Privacy Commissioner: If you believe your privacy rights under PIPEDA have been violated, you may file a complaint with the Office of the Privacy Commissioner of Canada.

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17. Specific Platform Disclosures

Apple App Store Compliance

This app collies with Apple's App Store Review Guidelines and privacy requirements:

• Privacy policy URL is provided in App Store Connect
• We comply with App Tracking Transparency (ATT)
• We do not collect unnecessary device identifiers
• We do not include hidden or undisclosed tracking

Google Play Store Compliance

This app complies with Google Play's data policies:

• Privacy policy is provided in Google Play Store
• We comply with COPPA and Google Families Policies
• We comply with all Google Play data safety requirements
• We disclose all SDKs and third-party integrations

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Appendix A: Data Categories Collected

Category	Details	Age Restriction
Account Info	Name, email, password, DOB	None
Academic Data	Grades, progress, quiz scores	None
Device Info	Device type, OS, IP address	None
Analytics	Usage patterns, time in app	None
Location	Coarse only (IP-based)	None
Payment Info	Credit card (encrypted)	18+ or parental consent
Biometric	None collected	N/A
Health	None collected	N/A
Precise Location	None collected	N/A
Contacts	Only if user grants permission	13+ or parental consent

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Appendix B: Third-Party Service Providers

Service	Purpose	Data Shared
AWS	Cloud storage	Encrypted account & course data
Google Analytics	Usage analytics	Aggregated, anonymized data
Stripe/PayPal	Payment processing	Payment info (encrypted)
SendGrid	Email delivery	Email address, user name

All third-party processors have signed Data Processing Agreements and comply with GDPR, CCPA, and COPPA.

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END OF PRIVACY POLICY

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Legal Disclaimer

This Privacy Policy is provided for informational purposes. While we have made efforts to ensure accuracy and compliance with applicable laws, this policy should be reviewed by legal counsel to ensure full compliance with laws in all jurisdictions where the app is distributed.

For legal advice regarding privacy regulations specific to your location, please consult with a qualified privacy attorney.

SECTION 19 - GOVERNING LAW

These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of Ontario.

SECTION 20 - CHANGES TO TERMS OF SERVICE

You can review the most current version of the Terms of Service at any time at this page.
We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

SECTION 21 - CONTACT INFORMATION

Questions about the Terms of Service should be sent to us at hello@explorerhop.com .


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Currency Hop Privacy Policy

Currency Hop does not access or store any private information.

BookHop Privacy Policy

BookHop "the App” provides booking and event scheduling service "the Service" to merchants who use Shopify to power their stores. This Privacy Policy describes how personal information is collected, used, and shared when you install or use the App in connection with your Shopify-supported store.

Personal Information the App Collects

When you install the App, we are automatically able to access certain types of information from your Shopify account: write_products, read_orders, read_themes, write_themes

Additionally, we collect the following types of personal information from you and/or your customers once you have installed the App: Information about you and others who may access the App on behalf of your store, such as your name, address, email address, phone number, and billing information; Information about individuals who visit your store, such as their IP address, web browser details, time zone, and information about the cookies installed on the particular device. 

We collect personal information directly from the relevant individual, through your Shopify account, or using the following technologies: “Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org. “Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps. “Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.

How Do We Use Your Personal Information?

We use the personal information we collect from you and your customers in order to provide the Service and to operate the App.

Sharing Your Personal Information

Finally, we may also share your Personal Information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.

Your Rights If you are a European resident, you have the right to access personal information we hold about you and to ask that your personal information be corrected, updated, or deleted. If you would like to exercise this right, please contact us through the contact information below.

Additionally, if you are a European resident we note that we are processing your information in order to fulfill contracts we might have with you (for example if you make an order through the Site), or otherwise to pursue our legitimate business interests listed above. Additionally, please note that your information will be transferred outside of Europe, including to Canada and the United States.

Data Retention When you place an order through the Site, we will maintain your Order Information for our records unless and until you ask us to delete this information.

Changes We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons.

Contact Us For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at developers@explorerhop.com or by mail using the details provided below:

25 The Esplanade, 2711, Toronto, ON, M5E 1W5, Canada

Terms and Conditions for Investor Hop

The information contained on this Website (accessible from investorhop.com), and the resources available on this website are not intended as, and not be understood or construed as, financial or investment advice. This website is not intended to be a replacement, or substitute, for financial advice from a professional who is aware of the facts and circumstances of your individual circumstances.

We have done our best to ensure that the provided information on the Website and the resources available are accurate and provide valuable information. Regardless of anything to the contrary, nothing available on or through this Website should be understood as a recommendation that you should not consult with a financial professional to address your particular situation. We strongly recommend seeking advice from a professional before making any decisions.

Past performance does not guarantee future performance in investing. Our portfolios are selected using data from the day they are created. We strongly recommend you use this tool for research only. We are not an advisory body and do not provide financial advise. We accept no liability whatsoever for any loss or damages you may incur.

Privacy Policy for Investor Hop

At Investor Hop, accessible from investorhop.com, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by Investor Hop and how we use it.

If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us.

This Privacy Policy applies only to our online activities and is valid for visitors to our website with regards to the information that they shared and/or collect in Investor Hop. This policy is not applicable to any information collected offline or via channels other than this website.

Consent

By using our website, you hereby consent to our Privacy Policy and agree to its terms.

Information we collect

The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point we ask you to provide your personal information.

If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide.

When you register for an Account, we may ask for your contact information, including items such as name, company name, address, email address, and telephone number.

How we use your information

We use the information we collect in various ways, including to:

• Provide, operate, and maintain our website
• Improve, personalize, and expand our website
• Understand and analyze how you use our website
• Develop new products, services, features, and functionality
• Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes
• Send you emails
• Find and prevent fraud

Log Files

Investor Hop follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services' analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users' movement on the website, and gathering demographic information.

Cookies and Web Beacons

Like any other website, Investor Hop uses 'cookies'. These cookies are used to store information including visitors' preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information.

For more general information on cookies, please read the Cookies article on Generate Privacy Policy website.

Google DoubleClick DART Cookie

Google is one of a third-party vendor on our site. It also uses cookies, known as DART cookies, to serve ads to our site visitors based upon their visit to www.website.com and other sites on the internet. However, visitors may choose to decline the use of DART cookies by visiting the Google ad and content network Privacy Policy at the following URL – https://policies.google.com/technologies/ads

Advertising Partners Privacy Policies

You may consult this list to find the Privacy Policy for each of the advertising partners of Investor Hop.

Third-party ad servers or ad networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on Investor Hop, which are sent directly to users' browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.

Note that Investor Hop has no access to or control over these cookies that are used by third-party advertisers.

Third Party Privacy Policies

Investor Hop's Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options.

You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers' respective websites.

CCPA Privacy Rights (Do Not Sell My Personal Information)

Under the CCPA, among other rights, California consumers have the right to:

Request that a business that collects a consumer's personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.

Request that a business delete any personal data about the consumer that a business has collected.

Request that a business that sells a consumer's personal data, not sell the consumer's personal data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

GDPR Data Protection Rights

We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.

The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.

The right to erasure – You have the right to request that we erase your personal data, under certain conditions.

The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.

The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.

The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

Children's Information

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.

Investor Hop does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.

Data Deletion Instructions

According to the Facebook Platform rules, we have to provide User Data Deletion Callback URL or Data Deletion Instructions URL. If you want to delete your activities for investorhop.com, you can remove your activities by the following instructions.

1. Go to Your Facebook Account’s Setting & Privacy. Click "Setting".
2. Then, go to "Apps and Websites" and you will see all of your Apps activities.
3. Select the option box of Investor Hop.
4. Click "Remove" button.
5. Congratulation, you have successfully removed your activities