Applicable Official Regulations
BlueSky Mind Inc. International Digital Services Platform
Included Documents:
1. TERMS OF USE
These Terms of Use govern access to and use of the websites, platforms, and services operated by BlueSky Mind Inc., including platforms managed such as IRACUBA.
1. Identification
BlueSky Mind Inc.
Registered address: 1643 rue C.-H.-Grignon, Sainte-Julie (Québec) J3E1R1, Canada.
Legal email: info@blueskymind.ca
2. Purpose
BlueSky Mind Inc. is a company registered in Canada, specializing in the development, management, and operation of digital platforms and B2B and B2C services, enabling the contracting of digital services in accordance with the specific terms of each offering.
3. Express Exclusion of Financial Services
BlueSky Mind DOES NOT offer financial services nor engage in regulated activities such as:
- Banking or fund collection.
- Payment services or electronic money.
- Investments, securities, or financial instruments.
- Financial advisory services.
- Crypto-assets or equivalent products.
The Platform exclusively offers contractual digital services, platform solutions, and B2B and B2C operational management and coordination services.
Under no circumstances may the services offered by BlueSky Mind Inc. be interpreted, directly or indirectly, as financial products, investment instruments, profit-yielding schemes, or public fund-raising mechanisms.
4. Access to Services
Access to certain services may require:
- the creation of an account,
- submission of a service request,
- or the execution of a specific contract.
BlueSky Mind Inc. reserves the right to refuse or suspend access to a service in the event of non-compliance with these Terms.
5.Nature of Payments
All payments made:
- ✔ Correspond exclusively to actual contractual services provided or to be provided.
- ❌ Do not constitute deposits.
- ❌ Do not constitute investments.
- ❌ Do not generate interest or returns.
- ❌ Do not imply any expectation of economic gain.
Payments have a strictly commercial purpose.
Payments are processed through authorized payment service providers, in accordance with applicable security standards (notably PCI DSS).
IRACUBA is not a payment service provider nor an independent financial entity.
6. Absence of Financial Returns
BlueSky Mind Inc. does not promise or guarantee:
- Financial returns.
- Monetary benefits.
- Capital appreciation.
The value of the service is limited to the use of the contracted digital service.
7. Payment Providers
Payments are made exclusively through authorized and secure payment service providers.
BlueSky Mind Inc:
- Does not hold funds.
- Does not maintain user balances.
- Payments related to the services offered are processed by BlueSky Mind Inc. in accordance with its commercial agreements and compliance obligations.
8. User Obligations
The user agrees to:
- provide accurate and up-to-date information,
- use the services lawfully and in compliance with applicable regulations,
- refrain from using the platforms for fraudulent or unlawful purposes.
9. Intellectual Property
All content, trademarks, logos, platforms, and technologies are the exclusive property of BlueSky Mind Inc. or its partners.
Any unauthorized reproduction or use is prohibited.
6. Limitation of liability:
BlueSky Mind Inc. shall not be liable for:
- temporary service interruptions,
- indirect damages,
- improper use by the user.
11. B2B and B2C
Contractual conditions may vary depending on:
- B2B or B2C relationship,
- type of service,
- applicable jurisdiction.
B2C conditions are limited to non-financial digital services and do not involve commercial intermediation or guarantees of results.
12. Governing Law
These Terms are governed by the laws of Canada and applicable international regulations, without prejudice to mandatory local consumer protection laws.
2. PRIVACY POLICY (PERSONAL DATA) AND COMMERCIAL CONFIDENTIALITY
1. Legal Framework
This Policy complies with:
- PIPEDA (Canada).
- International data protection principles.
2. Data Collected
- Identification and contact information.
- Contractual and billing data.
- Technical usage information related to the use of the platforms.
- ❌ We do not collect sensitive financial data or complete banking information.
3. Purposes
- Provision of digital services and platform management.
- B2B and B2C contractual management.
- Legal and regulatory compliance.
- Ensuring support and communication with clients and partners.
Never for financial or investment purposes, or for activities unrelated to the services provided.
4. Rights
The user may request:
- Access.
- Correction.
- Deletion.
- Withdrawal of consent.
Any request may be sent to the contact address indicated on the website.
5. Data Sharing
Data may only be shared with:
- authorized technical or payment service providers,
- when necessary for the execution of the services,
- or when required by law.
No data is sold to third parties.
7. Data retention:
Data is retained only for as long as necessary to provide the services and comply with legal obligations.
7. Security
BlueSky Mind Inc. implements reasonable technical and organizational measures to protect data against unauthorized access, loss, or disclosure.
3. ELECTRONIC COMMUNICATIONS POLICY (CASL)
1. Compliance
BlueSky Mind complies with the Canadian Anti-Spam Legislation (CASL).
2. Permitted Communications
- Contractual confirmations.
- Operational communications.
- Information about digital services.
- ❌ Never regarding investments or financial returns.
3. Unsubscribe
All communications include a clear unsubscribe option.
4. BILLING, CANCELLATION, AND REFUND POLICY
1. Contractual Nature
Payments correspond exclusively to contracted digital services.
2. Billing
- Based on the contracted service.
- May vary between B2B and B2C.
- Taxes according to jurisdiction.
3. Cancellations
- Defined contractually.
- May not be possible once the service has started.
4. Refunds
- Not all services are refundable.
- Activated digital services may be excluded.
- Refunds, if applicable, are issued through the same payment method.
- ❌ No refund constitutes a return, interest, or investment.