TERMS & CONDITIONS
MASTER TERMS & CONDITIONS
(Effective Date: Upon acceptance by the Client
Provider: Kreativ Insight Consultants Inc.
Brand Association: Canada Growth Network (“CGN”) is an unincorporated association and promotional community operated by Kreativ Insight Consultants Inc.
Contact: [email protected] | +1 (613) 368-9642
Legal Address: 48 Filion Cr., Kanata, ON K2M 1V4
HST: 71791 8874 RT0001
(Kreativ Insight Consultants Inc. / Canada Growth Network – GoHighLevel Sub-Account Service)
This document explains the basic rules for using your GoHighLevel (GHL) account provided by Kreativ Insight Consultants Inc. through the Canada Growth Network.
This document will cover the following:
What you’re getting access to
What you are responsible for
How billing and usage charges work
What is and isn’t allowed on the platform
How support, AI tools, and third-party access are handled
By starting a trial or using this service, you are agreeing to these terms. They are in place to protect both you and us and to ensure the platform is used responsibly and legally.
If anything in this document is unclear, please ask before using the system. We’re here to help you use the platform with confidence.
1. Overview
These Terms & Conditions (“Agreement”) govern the Client’s use of the GoHighLevel (“GHL”) sub-account provided by Kreativ Insight Consultants Inc. (“Kreativ Insight”, “we”, “us”, “our”).
Canada Growth Network (“CGN”) acts solely as a promotional and community brand under Kreativ Insight.
By activating your account, the Client agrees to these Terms.
2. Service Description
Kreativ Insight provides:
A GHL SaaS sub-account under our agency umbrella
Basic technical setup (account creation only)
Access to the software platform, CRM, funnels, email/SMS tools, automations, calendars, and related features provided by GHL
Kreativ Insight provides:
Software access only
No done-for-you services unless purchased separately
Optional paid services include:
Setup support
Funnels
Automations
Analytics
AI workflows
Campaign building
Troubleshooting
3. Client Responsibilities
The Client is fully responsible for:
3.1 Legal and compliant data collection
The Client must collect, store, and manage all data in compliance with:
PIPEDA (Canada)
CASL (Canadian Anti-Spam Law)
Any applicable privacy laws in the Client’s region
Kreativ Insight Consultants Inc. and Canada Growth Network (CGN) do not control, approve, or monitor your messaging, data collection, or outreach activities. We are not responsible for how you use the platform.
3.2 Ethical messaging
All email, SMS, calls, and outreach must be consensual, legal, and properly permission-based.
3.3 Wallet charges
Your GoHighLevel account uses a prepaid Wallet to pay for specific features that are charged based on usage. This includes, but is not limited to:
SMS and MMS messages
Phone calls and call recordings
Email sending
AI tools and AI-powered features
Other metered or pay-per-use services offered by the platform
The Client must:
Maintain a funded wallet for SMS, emails, calls, recordings, AI usage, and metered features
Understand that if the wallet is depleted, automations will fail
Accept that wallet usage fees are non-refundable
3.4 Technical assets
The Client is responsible for providing the following:
Domain(s)
DNS access
Email addresses
Twilio number(s)
Verified sending domains (SPF/DKIM/DMARC
Kreativ support can assist but is not liable for deliverability, DNS failure, downtime, or transmission issues on a fee-for-service basis.
4. Trial Periods
Kreativ Insight may offer a limited trial from time to time to allow Clients to explore the GoHighLevel platform before starting a paid subscription.
Purpose of the Trial
The trial is provided for evaluation and learning purposes only. It is intended to help you understand the features and determine whether the platform is a good fit for your business.
Restrictions During the Trial
To protect the platform, service providers, and all users, the following activities are not permitted during the trial period:
During the trial period, any mass or bulk email activity must be strictly limited to no more than forty (40) emails per hour, assuming one(1) campaign per week, for the first four (4) weeks. This limitation is required to warm up sending domains and email accounts properly and to reduce the risk of spam complaints, blacklisting, or account flagging. Failure to follow these limits may be treated as trial abuse and may result in immediate suspension or termination of trial access.
Importing contact lists over 500 contacts (or an agreed amount specified at the time of trial)
Cold outreach or non-consensual messaging
Automated SMS or call campaigns
Use by or promotion of high-risk or prohibited industries, including but not limited to:
Cryptocurrency
Adult content
Payday lending
Gambling
Any activity that may result in spam complaints, deliverability issues, or platform abuse
Monitoring and Enforcement
Kreativ Insight reserves the right to:
Monitor usage for trial compliance
Suspend or terminate trial access immediately if misuse or abuse is detected
Deny conversion to a subscription service plan if the trial is abused
No Guarantees or Refunds
Trial access is provided “as-is” with no guarantees of performance, deliverability, or results
Trial fees are non-refundable
Abuse of the trial results in immediate termination without notice
5. Pricing & Adjustments
The Client agrees to pay the applicable monthly subscription fee for access to the GoHighLevel sub-account on a month-to-month basis, unless otherwise stated in writing.
Pricing Changes
Subscription pricing may be adjusted if GoHighLevel increases its wholesale or platform pricing
Any increase will be applied proportionally and reflected in future billing cycles
Continued use of the service after a pricing change constitutes acceptance of the updated rate
Reasonable notice (minimum of 3 days)of any pricing increase will be provided in advance by email or in writing before the new rate takes effect
Usage-Based Charges
Certain features are billed based on usage, including but not limited to SMS, calls, email sending, AI tools, and other metered services
Usage-based fees are charged through the Wallet and billed directly to the payment method on file (See section 3.3 for more information)
Refund Policy
All subscription fees are non-refundable, except in cases of duplicate charges or confirmed billing errors
Wallet usage charges are non-refundable under all circumstances
Any refunds, credits, or billing adjustments are issued solely at the discretion of Kreativ Insight Consultants Inc. and Canada Growth Network (CGN)
6. Kreativ Insight Access to Client Accounts
By default, Kreativ Insight Consultants Inc. or Canada Growth Network personnel or agents do not access Client accounts without explicit permission.
Permission Requirement
Client permission must be granted in writing by email before Kreativ Insight accesses the account for any work
Permission applies only to the specific tasks approved by the Client
Each GoHighLevel sub-account includes access for up to five (5) total users, which includes the Client, internal staff, and any third-party users such as virtual assistants, contractors, or agencies, unless otherwise agreed in writing.
The Client is responsible for requesting access and removal when no longer required.
Kreativ Insight Consultants Inc. and Canada Growth Network (CGN) reserve the right to restrict, suspend, or require an upgrade or additional fees for accounts that exceed the allowed user limit.
Permitted Access Activities
Once permission is granted, authorized personnel may access the Client’s account only for the purposes requested, which may include:
Initial or follow-up setup
Troubleshooting and technical support
Workflow and automation building
Campaign creation and optimization
Funnel creation and updates
Marketing support and implementation
Analytics, reporting, and performance review
AI-related setup, testing, and optimization
System configuration and maintenance
Billing & Payment
All support, setup, marketing, and technical services are not included in the subscription or Wallet
These services are billed separately on an hourly, project, or subscription basis, as agreed in writing
Payment is required in advance unless otherwise agreed
Permission Removal
The Client may remove or modify access permission at any time by written notice via email
Removal of permission does not waive responsibility for:
Work already completed
Fees already incurred
Ongoing issues resulting from prior approved changes
Kreativ Insight and Canada Growth Network will respect all access permissions and limitations as communicated by the Client.
7. Third-Party Access
The Client may choose to grant access to their GoHighLevel account to third-party individuals or service providers, including but not limited to virtual assistants (VAs), contractors, consultants, coaches, agencies, or internal team members.
Client Responsibility
By granting third-party access, the Client acknowledges and agrees that:
All third-party access is granted at the Client’s sole discretion and risk
The Client is fully responsible for:
Selecting, vetting, and managing third parties
Assigning appropriate user roles and permission levels
Monitoring actions taken by third parties within the account
Liability & Risk
Kreativ Insight Consultants Inc. and Canada Growth Network (CGN) are not responsible or liable for:
Any changes, deletions, or misconfigurations made by third parties
Security breaches, data exposure, or unauthorized use
Broken automations, campaigns, workflows, or funnels
Deliverability issues caused by third-party actions
Compliance violations, including CASL, PIPEDA, or other applicable laws
Any repair, cleanup, troubleshooting, or rebuilding required as a result of third-party actions is billable and not included in the subscription or Wallet.
Best Practices (Client Responsibility)
The Client is strongly encouraged to:
Use unique user logins for each third party
Limit access to only what is necessary
Remove access immediately when no longer required
Maintain records of who has access and when
No Oversight Obligation
Kreativ Insight and Canada Growth Network (CGN):
Do not supervise or manage third parties
Do not audit or review third-party work unless separately contracted
Do not guarantee compatibility between third-party work and existing systems
By granting third-party access, the Client accepts full responsibility for all outcomes resulting from that access.
8. Prohibited Use & Immediate Termination
To protect the platform, service providers, and all users, certain activities are strictly prohibited. Kreativ Insight Consultants Inc. and Canada Growth Network (CGN) reserve the right to immediately suspend or terminate access to the Client’s account if prohibited use is detected.
Prohibited Activities
The Client may not use the platform for, or in connection with, any of the following:
Illegal activities of any kind
Spam, unsolicited messaging, or non-consensual outreach
Purchased, scraped, rented, or third-party contact lists
Cold email, SMS, or calling without proper consent
High-risk or restricted industries, including but not limited to:
Cryptocurrency or crypto-related offers
Adult content or services
Payday lending or high-interest financial products
Gambling or betting
Harassment, threats, hate speech, or discriminatory content
Fraud, deception, impersonation, or false claims
Fake reviews, testimonials, or social proof
Botting, scraping, or automated abuse
Arbitrage campaigns that damage deliverability or platform reputation
Attempting to bypass, manipulate, or avoid Wallet usage fees
Abuse or misuse of trial access
Activity that places Kreativ Insight, Canada Growth Network, GoHighLevel, or service providers at risk
Any action that negatively impacts platform reputation, deliverability, or compliance
Enforcement & Termination
Prohibited use may result in immediate suspension or termination without prior notice
Kreativ Insight or Canada Growth Network is not required to provide warnings or remediation opportunities
Termination may occur even if the activity was performed by:
A third party
A contractor or VA
An internal team member
The Client remains fully responsible for all actions taken within their account.
No Refunds Upon Termination
No refunds, credits, or Wallet reimbursements will be issued for accounts terminated due to prohibited use
Outstanding balances, Wallet charges, or repair costs remain payable
Reporting & Cooperation
Kreativ Insight and Canada Growth Network may:
Report prohibited or illegal activity to relevant authorities or service providers
Cooperate with investigations where required by law
By using the platform, the Client agrees to comply fully with this Policy.
9. Contacting GoHighLevel (GHL) Support Directly
Your GoHighLevel account is provided as a sub-account under the Kreativ Insight agency structure. Because of this structure, certain actions taken by GoHighLevel (GHL) support can impact your account configuration, billing, and functionality.
Client-Initiated Support Requests
If the Client chooses to contact GHL support directly, the Client acknowledges and agrees that:
Kreativ Insight Consultants Inc. and Canada Growth Network (CGN) do not control the actions taken by GHL support
GHL support may make changes to account settings, integrations, billing configurations, workflows, or system permissions without consulting Kreativ Insight
GHL support may enable, disable, reset, or modify features that affect automations, campaigns, deliverability, or Wallet usage
No Responsibility for Changes or Charges
Kreativ Insight and Canada Growth Network are not responsible for:
Any changes made by GHL support
Any charges, fees, or usage incurred as a result of GHL support actions
Feature resets, broken workflows, disabled automations, or altered configurations
Deliverability issues or compliance problems resulting from changes made by GHL support
Repair & Restoration
Any troubleshooting, repair, cleanup, or restoration work required as a result of Client-initiated contact with GHL support is not included in the subscription or Wallet
Such work is billable separately at applicable hourly or project rates
Payment may be required in advance before repair work begins
No Mediation or Dispute Handling
Kreativ Insight and Canda Growth Network do not mediate disputes between the Client and GoHighLevel
The Client is responsible for resolving any issues directly with GHL
Best Practice Recommendation
For best results, Clients are strongly encouraged to:
Contact Kreativ Insight or Canada Growth Network first for support requests
Allow Kreativ Insight to coordinate with GHL support when needed
This helps avoid unintended changes and additional costs.
10. AI Tools & Disclaimers
The Client’s GoHighLevel sub-account may include access to AI-powered tools and features, which may assist with content creation, lead engagement, automation, analytics, and other system functions.
Nature of AI Tools
The Client acknowledges and agrees that:
AI tools operate based on algorithms, models, and third-party services
AI-generated output may be inaccurate, incomplete, outdated, misleading, or inappropriate
AI tools do not replace human judgment, professional advice, or legal review
Client Responsibility
The Client is solely responsible for:
Reviewing, approving, and validating all AI-generated content before use
Ensuring AI-generated emails, SMS messages, workflows, and automations comply with:
CASL
PIPEDA
Industry regulations
Advertising and consumer protection laws
Monitoring AI-driven automations to prevent unintended behavior
No Guarantees or Liability
Kreativ Insight Consultants Inc. and Canada Growth Network (CGN) make no guarantees regarding:
Accuracy or reliability of AI output
Lead quality or conversion results
Proper intent recognition or automation behavior
Predictive workflows or AI recommendations
Kreativ Insight and Canada Growth Network are not liable for:
Incorrect or misleading AI-generated content
Missed leads or failed follow-ups
Automation errors or logic failures
AI hallucinations or unintended responses
Business, reputational, or financial impact resulting from AI usage
Usage-Based Billing
AI usage may consume Wallet funds
The Client is responsible for monitoring AI-related usage and costs
AI usage charges are non-refundable
Ethical and Responsible Use
The Client agrees not to use AI tools for:
Deceptive, manipulative, or misleading messaging
Impersonation or false representation
Harassment, discrimination, or harmful content
By enabling or using AI features, the Client accepts full responsibility for all outcomes arising from such use.
11. Anonymized Showcasing & Portfolio Use
Kreativ Insight Consultants Inc. may request permission to showcase anonymized examples of work created within a Client’s GoHighLevel account for educational, training, marketing, or portfolio purposes.
Permission Requirement
No Client materials will be reviewed, displayed, or shared without the Client’s prior written permission, provided by email
Permission applies only to the specific materials approved by the Client
Permission may be limited in scope or withdrawn at any time by written notice via email
What May Be Showcased (If Permission Is Granted)
With Client approval, Kreativ Insight may display anonymized examples of:
Funnels and landing pages
Workflows and automations
Snapshots and system structures
Campaign frameworks and templates
Dashboards, reports, and performance summaries
AI workflows or logic structures
Anonymization Standards
When permission is granted:
All personal, business-identifying, or sensitive data will be removed or obscured
Client names, logos, domains, contact data, and branding will not be displayed unless explicitly approved
Performance data will be presented in a generalized or illustrative format
What Will Not Be Shared
Kreativ Insight and Canada Growth Network will never share:
Client contact lists
Personally identifiable information (PII)
Confidential business data
Login credentials or access details
No Obligation
The Client is under no obligation to grant permission
Declining permission does not affect service, pricing, or support
Use Limitation
Approved examples may be used only for:
Demonstrations
Training materials
Internal documentation
Marketing or educational presentations
By granting permission, the Client confirms they have the right to authorize the use of the approved materials.
12. Limitation of Liability
The Client acknowledges that Kreativ Insight Consultants Inc. and Canada Growth Network (CGN) provide access to software and related services on an “as-is” and “as-available” basis.
No Liability for Business Outcomes
Kreativ Insight and CANADA GROWTH NETWORK are not liable for any losses, damages, or consequences arising from the use of the platform, including but not limited to:
Lost or missed leads
Lost revenue or profits
Failed or delayed automations
Campaign underperformance
Incomplete or inaccurate data
Missed follow-ups or communications
Wallet depletion or usage overruns
Technical & Platform Limitations
Kreativ Insight and Canada Growth Network are not responsible for issues caused by:
GoHighLevel platform outages or limitations
Third-party service outages (including Twilio, email providers, AI services, or hosting platforms)
Integration failures or API changes
DNS, domain, or email authentication issues
Deliverability problems
Changes made by GoHighLevel support
Third-party contractors or users added by the Client
User Error & Third-Party Actions
Kreativ Insight and Canada Growth Network are not liable for:
Errors caused by the Client or the Client’s team
Misconfigurations or deletions
Security breaches resulting from Client-granted access
Actions taken by third parties, VAs, contractors, or consultants
Indirect & Consequential Damages
To the fullest extent permitted by law, Kreativ Insight and Canada Growth Network shall not be liable for:
Indirect, incidental, special, consequential, or punitive damages
Loss of data, goodwill, reputation, or business opportunities
Liability Cap
In no event shall the total liability of Kreativ Insight Consultants Inc. and Canada Growth Network (CGN), whether in contract, tort, or otherwise, exceed the total amount paid by the Client for one (1) month of service immediately preceding the event giving rise to the claim.
Jurisdictional Limitations
Some jurisdictions do not allow limitations of liability. In such cases, liability shall be limited to the maximum extent permitted by applicable law.
13. Indemnification
The Client agrees to defend, indemnify, and hold harmless Kreativ Insight Consultants Inc., Canada Growth Network (CGN), and their officers, directors, employees, contractors, and affiliates from and against any and all claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to the Client’s use of the platform.
Scope of Indemnification
This indemnification includes, but is not limited to, claims or actions arising from:
The Client’s misuse or improper use of the GoHighLevel platform
Violations of applicable laws or regulations, including but not limited to:
CASL
PIPEDA
Privacy, data protection, or consumer protection laws
Spam complaints, blacklistings, or deliverability penalties
Illegal, deceptive, or unethical activities
Use of purchased, scraped, or non-consensual contact lists
Content created, sent, or published by the Client, including AI-generated content
Misrepresentation, false claims, or misleading marketing
Actions taken by third parties granted access by the Client
Security breaches or data exposure caused by Client-controlled access
High-risk or prohibited campaigns or industries
AI-Related Indemnification
The Client specifically agrees to indemnify Kreativ Insight and Canada Growth Network from any claims arising from:
Reliance on AI-generated content or recommendations
Errors, hallucinations, or unintended outputs produced by AI tools
Regulatory or legal consequences related to AI-driven messaging or automation
Survival
The obligations under this Indemnification section survive termination or cancellation of the Client’s account and remain in effect regardless of the reason for termination.
Cooperation
The Client agrees to:
Promptly notify Kreativ Insight of any claim or potential claim
Cooperate fully in the defence or resolution of such claims
Kreativ Insight reserves the right to assume control of the defence at its own discretion, at the Client’s expense, where permitted by law.
14. Governing Law
This Agreement is governed exclusively by the laws of Ontario, Canada, with the courts of Ottawa, Ontario having jurisdiction.
15. Termination
Either the Client or Kreativ Insight Consultants Inc. may terminate this Agreement at any time, with or without cause, by providing written notice.
Effect of Termination
Upon termination:
Access to the GoHighLevel sub-account may be suspended or removed
All outstanding subscription fees, Wallet charges, and usage-based fees become immediately due
Any unpaid invoices for support, setup, marketing, repair, or project work remain payable
No Refunds Upon Termination
Termination does not entitle the Client to any refunds or credits
Wallet balances, if any, are non-refundable
Prepaid services are forfeited unless otherwise agreed in writing
Client Data & Access
The Client is responsible for exporting any data prior to termination
Kreativ Insight is not responsible for data loss after account access is removed
Continued data storage is not guaranteed after termination
Termination for Cause
Kreativ Insight may immediately terminate access without notice for:
Prohibited use or policy violations
Illegal activity
Trial abuse
Actions that place Kreativ Insight, CANADA GROWTH NETWORK, GoHighLevel, or service providers at risk
Survival of Obligations
The following sections survive termination:
Pricing & Adjustments
Wallet obligations
Limitation of Liability
Indemnification
Governing Law
Termination does not relieve the Client of responsibility for actions taken prior to termination.
16. PRIVACY POLICY (PIPEDA COMPLIANT)
Kreativ Insight Consultants Inc. (“Kreativ Insight”) is committed to protecting the privacy and confidentiality of Client information. This Privacy Policy explains how personal and business data is collected, used, stored, and protected in connection with the GoHighLevel (“GHL”) sub-account services.
16.1 Roles & Responsibilities
The Client is the Data Controller for all data uploaded, stored, or processed within their GHL account
GoHighLevel is the Data Processor providing the underlying software infrastructure
Kreativ Insight Consultants Inc. is a Service Provider with limited, permission-based access only
Kreativ Insight does not assume ownership or control of Client data.
16.2 Information Collected by Kreativ Insight
Kreativ Insight may collect and store limited information necessary to provide services, including:
Client name and business name
Email address and phone number
Billing and payment information
Account identifiers and subscription details
Login and usage activity related to service delivery
16.3 Data Stored Within the GHL Platform
The Client’s GHL account may contain Client-controlled data, including but not limited to:
Contact records and lead information
Calendars and appointment data
Email, SMS, and call logs
Pipeline and opportunity data
AI chat logs and automation activity
Confidential business information uploaded by the Client
All such data is entered, managed, and controlled by the Client.
16.4 Access to Client Data
Kreativ Insight does not access Client data unless:
Explicit written permission is provided by the Client (via email)
Access is required to perform paid support, setup, or troubleshooting
Access is required for maintenance or system integrity
Access is legally required
Access is limited strictly to the scope of permission granted.
16.5 Data Use & Purpose Limitation
Kreativ Insight uses collected information solely to:
Provide and manage services
Process billing and payments
Deliver authorized support
Communicate service-related updates
Meet legal or regulatory obligations
Kreativ Insight or Canada Growth Network does not:
Sell Client data
Rent Client data
Share Client data with third parties for marketing purposes
16.6 Data Storage & Security
Client data is stored within GoHighLevel’s infrastructure
Security measures are implemented by GoHighLevel as the platform provider
Kreativ Insight implements reasonable administrative safeguards within its control
No system is guaranteed to be 100% secure. The Client acknowledges the inherent risks of digital data storage.
16.7 Client Responsibilities
The Client is responsible for:
Obtaining lawful consent for all collected data
Ensuring compliance with PIPEDA, CASL, and applicable privacy laws
Managing user access and permissions within their account
Maintaining secure credentials
Kreativ Insight is not responsible for privacy violations resulting from Client actions or third-party access granted by the Client.
16.8 Client Rights
Subject to applicable law, Clients may request:
Access to personal data held by Kreativ Insight
Correction of inaccurate information
Export of data
Deletion of data (where legally permissible)
Requests must be submitted in writing to: [email protected]
16.9 Data Retention
Data is retained only as long as necessary to provide services or meet legal requirements
Upon termination, Clients are responsible for exporting their data
Data may be deleted or become inaccessible after account termination
16.10 Legal Disclosure
Kreativ Insight may disclose information where required by law, court order, or regulatory authority.
16.11 Privacy Policy Updates
This Privacy Policy may be updated from time to time. Material changes will be communicated by email or written notice. Continued use of the service constitutes acceptance of the updated policy.
16.12 Contact Information
For privacy-related questions or requests, contact:
Kreativ Insight Consultants Inc.
[email protected]
48 Filion Cr., Kanata, ON K2M 1V4
17. Summary
This agreement explains the rules for using your GoHighLevel (GHL) sub-account provided by Kreativ Insight Consultants Inc. through the Canada Growth Network (CGN).
In summary:
You are receiving access to the GHL software only (no done-for-you services unless purchased separately)
You are responsible for how you collect data, send messages, run campaigns, and comply with laws such as CASL and PIPEDA
Some features (SMS, calls, email, AI) use a prepaid Wallet and are charged based on usage
Trials are limited and for evaluation only
Certain activities (spam, cold outreach, high-risk industries, abuse) are prohibited and may result in immediate termination
Kreativ Insight and Canada Growth Network are not responsible for your actions, third-party access, AI output, or changes made by GoHighLevel support
Liability is limited, refunds are discretionary, and either party may cancel at any time
By starting a trial or using the service, you agree to these terms and accept full responsibility for how the platform is used.
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