Updated Date: 17 August 2024
Terms And Conditions
TERMS OF SERVICE
Effective Date: June 9, 2025
Last Updated: June 9, 2025
1. ACCEPTANCE OF TERMS
By accessing, browsing, or using the Entrepreneur Readiness Score assessment platform and website (“Service”) operated by Phil Neil and Courage Compass (“Company,” “we,” “us,” or “our”), you (“User,” “you,” or “your”) agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you may not access or use our Service.
2. DESCRIPTION OF SERVICE
The Service provides psychological assessments, entrepreneurial readiness evaluations, website content, and related analytical tools designed to measure emotional mastery, decision mastery, and intuition mastery for entrepreneurial development purposes. Our Service utilizes various technologies including artificial intelligence systems, automated form processing, data analytics platforms (including DatumProcessor), and third-party integrations to deliver comprehensive assessment experiences and insights.
3. USER REGISTRATION AND EMAIL COLLECTION
3.1 Email Collection
- To access assessments, you must provide a valid email address
- You must provide accurate, current, and complete information
- You must be at least 18 years old to use this Service
- No traditional user accounts are created; email addresses are collected for assessment delivery purposes
3.2 User Responsibilities
- You are solely responsible for providing accurate email information
- You must notify us immediately of any issues with email delivery
- We reserve the right to restrict access for violations of these Terms
4. USE OF SERVICE AND USER CONDUCT
4.1 Permitted Use
You may use the Service for lawful purposes only, including:
- Browsing the website and accessing public content
- Taking assessments for personal or professional development
- Receiving assessment results and recommendations via email
- Participating in research studies (subject to separate consent)
4.2 Prohibited Conduct
You agree NOT to:
- Provide false, misleading, or inaccurate information
- Attempt to reverse engineer, copy, or distribute assessment content
- Use the Service for any unlawful purpose
- Interfere with or disrupt the Service or servers
- Attempt to gain unauthorized access to systems or data
- Use automated systems to access the Service without permission
5. ASSESSMENT DATA AND RESULTS
5.1 Nature of Assessments
- Our assessments are for informational and developmental purposes only
- Results do not constitute professional psychological, medical, or business advice
- Individual results may vary and should not be the sole basis for important decisions
5.2 Data Accuracy
- Assessment accuracy depends on honest, thoughtful responses
- We cannot guarantee the reliability of results based on incomplete or dishonest responses
- Results reflect self-reported information at the time of assessment
6. INTELLECTUAL PROPERTY RIGHTS
6.1 Company Property
The Service, including all assessment content, algorithms, designs, text, graphics, and software, is owned by the Company and protected by intellectual property laws.
6.2 User License
We grant you a limited, non-exclusive, non-transferable license to access and use the Service for its intended purpose.
6.3 User-Generated Content
By submitting responses, feedback, or other content, you grant us a worldwide, royalty-free license to use, modify, and analyze such content for Service improvement and research purposes.
7. DATA USE AND RESEARCH
7.1 Research Participation
By using the Service, you acknowledge that your anonymized assessment data may be used for:
- Statistical analysis and research studies
- Service improvement and development
- Academic research and publication
- Industry benchmarking and trend analysis
7.2 Commercial Use
We may use aggregated, anonymized data for:
- Marketing and promotional materials
- Product development
- Business intelligence
- Third-party partnerships and licensing
7.3 Opt-Out Rights
You may request to opt-out of research participation or data use by contacting us at info@philneil.com. However, please note that sub-processors may retain data according to their own policies, and we cannot guarantee complete data removal from all systems.
8. THIRD-PARTY SERVICES AND INTEGRATIONS
8.1 Third-Party Providers and Sub-Processors
Our Service may integrate with third-party platforms, analytics tools, or service providers (including sub-processors) to enhance functionality. We reserve the right to engage any sub-processors without prior notification to users.
8.2 Data Sharing
We may share data with trusted third parties for:
- Technical infrastructure and hosting
- Analytics and performance monitoring (including DatumProcessor)
- Research collaboration
- Business development opportunities
9. DISCLAIMERS AND LIMITATIONS
9.1 Service Availability
- The Service is provided “as is” without warranties of any kind
- We do not guarantee continuous, uninterrupted access to the Service
- We reserve the right to modify or discontinue the Service at any time
9.2 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE.
9.3 Professional Advice Disclaimer
The Service does not provide professional psychological, medical, legal, or business advice. Always consult qualified professionals for important decisions.
10. INDEMNIFICATION
You agree to indemnify and hold harmless the Company from any claims, losses, damages, or expenses arising from your use of the Service or violation of these Terms.
11. TERMINATION
11.1 Termination by User
You may cease using the Service at any time by contacting us at info@philneil.com.
11.2 Termination by Company
We may terminate or suspend your access immediately for violations of these Terms or for any reason at our discretion.
11.3 Effect of Termination
Upon termination, your right to use the Service ceases, but these Terms shall survive termination where applicable. Data retention is subject to our Privacy Policy and sub-processor policies.
12. GOVERNING LAW AND DISPUTE RESOLUTION
These Terms shall be governed by Quebec, Canada law. Any disputes shall be resolved through binding arbitration in Quebec, Canada.
13. CHANGES TO TERMS
We reserve the right to modify these Terms at any time. Material changes will be communicated via email or Service notifications. Continued use constitutes acceptance of modified Terms.
14. CONTACT INFORMATION
For questions about these Terms, contact us at:
- Email: info@philneil.com
- Address: Sherbrooke, Quebec, Canada
PRIVACY POLICY
Effective Date: June 9, 2025
Last Updated: June 9, 2025
1. INTRODUCTION
Phil Neil and Courage Compass (“Company,” “we,” “us,” or “our”) operates the Entrepreneur Readiness Score assessment platform and website (“Service”). This Privacy Policy explains how we collect, use, disclose, and protect your personal information.
2. INFORMATION WE COLLECT
2.1 Personal Information
We collect information you provide directly, including:
- Email Addresses: For assessment delivery and communication
- Assessment Responses: All answers to assessment questions and evaluations
- Communication Data: Messages, feedback, and support interactions
- Optional Profile Information: Any additional information you choose to provide
2.2 Automatically Collected Information
We automatically collect:
- Technical Data: IP address, browser type, device information, operating system
- Usage Data: Pages visited, time spent, click patterns, session recordings
- Analytics Data: User behavior, performance metrics, error logs (including through DatumProcessor)
- Location Data: General geographic location based on IP address
- AI Processing Data: Data generated through artificial intelligence analysis, pattern recognition, and automated scoring algorithms
- Form Interaction Data: How you interact with forms, completion rates, time spent on questions
- Website Browsing Data: Information about how you navigate and use our website
2.3 Third-Party Information
We may receive information from:
- Service Providers: Analytics providers, hosting services, email delivery services
- Business Partners: Co-marketing partners, referral sources
- AI and Technology Partners: Machine learning platforms, form builders, survey tools, data processing services (including DatumProcessor)
- Marketing Platforms: Email marketing services, advertising networks, conversion tracking tools
3. HOW WE USE YOUR INFORMATION
3.1 Primary Service Functions
- Deliver assessments and generate personalized results via email
- Provide website functionality and content
- Provide customer support and technical assistance
- Process assessment responses and generate insights
- Analyze website usage and improve user experience
3.2 Artificial Intelligence and Data Processing
- AI Analysis: Use machine learning algorithms to analyze response patterns and generate insights
- Automated Scoring: Process assessment responses through automated systems
- Pattern Recognition: Identify trends and correlations in user data
- Predictive Analytics: Generate forecasts and recommendations based on data patterns
- Website Analytics: Analyze browsing behavior and website performance
3.3 Research and Development
- Conduct statistical analysis and research studies using anonymized data
- Improve assessment accuracy and validity through data analysis
- Develop new features and assessment methodologies
- Create industry benchmarks and comparative analytics
- Publish research findings and insights (with anonymized data only)
3.4 Marketing and Business Development
- Send assessment results and follow-up communications
- Create case studies and success stories (with explicit permission)
- Develop marketing materials using aggregated, anonymized insights
- Analyze user demographics and preferences for product development
- Share aggregated statistics with potential business partners
3.5 Legal and Compliance
- Comply with legal obligations and regulatory requirements
- Protect against fraud, abuse, and security threats
- Enforce our Terms of Service and other policies
- Respond to legal requests and court orders
- Maintain records for audit and compliance purposes
4. ARTIFICIAL INTELLIGENCE AND AUTOMATED PROCESSING
4.1 AI Systems We Use
Our Service incorporates various AI technologies including:
- Machine learning algorithms for assessment scoring and analysis
- Natural language processing for text analysis
- Pattern recognition systems for behavioral insights
- Automated recommendation engines
- Website optimization and personalization systems
4.2 Automated Decision Making
We may use automated systems to:
- Generate assessment scores and interpretations
- Provide personalized recommendations
- Detect unusual response patterns or potential data quality issues
- Customize website experiences and content delivery
- Identify users who may benefit from additional resources
4.3 Human Oversight
While we use automated systems, human review is available for:
- Disputed assessment results
- Complex customer service issues
- Research study inclusion/exclusion decisions
- Content moderation and quality control
5. DATA SHARING AND DISCLOSURE
5.1 Service Providers and Sub-Processors
We share data with trusted third parties who help us operate our Service, including but not limited to:
- Technology Providers: Cloud hosting, analytics, AI platforms, form builders, DatumProcessor
- Communication Services: Email delivery, customer support platforms
- Marketing Partners: Advertising networks, email marketing services
- Research Collaborators: Academic institutions and research organizations (anonymized data only)
We reserve the right to engage any sub-processors or service providers without prior notification to users.
5.2 Business Transfers
In the event of a merger, acquisition, or sale of assets, user data may be transferred as part of the business transaction, subject to the same privacy protections.
5.3 Legal Requirements
We may disclose information when required by law, court order, or to protect our rights, property, or safety, or that of our users or the public.
5.4 Aggregated and Anonymized Data
We may freely share aggregated, anonymized data that cannot identify individual users for:
- Research publications and presentations
- Industry reports and benchmarking
- Marketing and promotional materials
- Business development and partnerships
6. DATA RETENTION AND STORAGE
6.1 Retention Periods
- Email Addresses: Retained indefinitely unless deletion is requested
- Assessment Data: Retained indefinitely for research purposes unless you opt out
- Usage Data: Retained for analytical and service improvement purposes
- Communication Records: Retained for customer service and legal purposes
- Website Analytics: Retained according to analytics provider policies
6.2 Data Storage
- Data may be stored on servers located anywhere globally
- We use industry-standard encryption and security measures where technically feasible
- Sub-processors may store data according to their own policies and locations
- International data transfers may occur without additional safeguards
7. YOUR RIGHTS AND CHOICES
7.1 Access and Correction
You may request to:
- Access personal information we hold about you
- Request correction of inaccurate data
- Receive information about how your data is processed
7.2 Opt-Out and Deletion
You may:
- Request to opt out of research participation by emailing info@philneil.com
- Request deletion of your data by emailing info@philneil.com
Important Note: Even if you opt out or request deletion, sub-processors and service providers may retain your data according to their own policies. We cannot guarantee complete removal of data from all systems.
7.3 Regional Privacy Rights
Depending on your location, you may have additional rights under applicable privacy laws. However, the technical architecture of our Service and use of sub-processors may limit our ability to fulfill certain requests.
8. SECURITY MEASURES
8.1 Technical Safeguards
We implement reasonable security measures including:
- Encryption for data transmission where technically feasible
- Access controls for administrative functions
- Regular monitoring of systems
- Security measures implemented by sub-processors
8.2 Limitations
Security measures depend on the technical capabilities of our Service and sub-processors. We cannot guarantee absolute security of data.
9. INTERNATIONAL DATA TRANSFERS
Data may be transferred to and processed in any country where we or our sub-processors operate. Such transfers may occur without additional safeguards beyond those required by applicable law.
10. CHILDREN’S PRIVACY
Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn we have collected information from a child, we will take reasonable steps to delete it.
11. THIRD-PARTY LINKS AND SERVICES
Our Service may contain links to third-party websites or integrate with external services. This Privacy Policy does not apply to those third parties. We encourage you to review their privacy policies before providing any information.
12. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy at any time. Material changes will be communicated through:
- Email notification to users who have provided email addresses
- Prominent notice on our website
- Updated “Last Modified” date
Continued use of the Service after changes constitutes acceptance of the updated policy.
13. CONTACT INFORMATION
For privacy-related questions, requests, or concerns, contact us at:
Privacy Officer
Phil Neil / Courage Compass
Email: info@philneil.com
Address: Sherbrooke, Quebec, Canada
Data Protection Officer:
Email: info@philneil.com
Address: Sherbrooke, Quebec, Canada
We will respond to privacy requests within a reasonable timeframe as required by applicable law. Please note that our ability to fulfill certain requests may be limited by technical constraints and sub-processor policies.
This Privacy Policy was last updated on June 9, 2025, and is effective as of that date.