Terms of Service
Last Updated: November 15, 2023
Please read these Terms of Service carefully before using the Cifoyo-Dacoka Financial Education website and services operated by Cifoyo-Dacoka.
Agreement to Terms
By accessing or using our service, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the service.
Eligibility
Our service is available only to individuals who are at least 18 years old and can form legally binding contracts under applicable law. By using our service, you represent and warrant that you meet all eligibility requirements.
Educational Services
Cifoyo-Dacoka provides financial education services, including but not limited to:
- Budgeting and expense tracking guidance
- Financial literacy educational materials
- Personalized financial coaching sessions
- Access to educational resources and tools
- Community support and discussion forums
Nature of Services
Our services are educational in nature. We are not a financial advisory service and do not provide personalized financial advice. The information provided through our services is for educational purposes only and should not be considered as financial advice.
User Accounts
When you create an account with us, you must provide accurate and complete information. You are responsible for maintaining the confidentiality of your account and password, including restricting access to your computer and account.
Account Security
You agree to accept responsibility for all activities that occur under your account or password. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.
Payment Terms
Certain aspects of our service may be provided for a fee. You agree to pay all applicable fees as described in our service when you sign up.
Subscription Services
Some services are offered on a subscription basis. By choosing a subscription service, you agree to pay the recurring subscription fees as outlined during the sign-up process.
Cancellation Policy
You may cancel your subscription at any time. Cancellation will take effect at the end of your current billing cycle, and you will have access to the service until that time.
Refund Policy
We offer a 14-day money-back guarantee for new subscribers. If you are not satisfied with our service within the first 14 days, you may request a full refund.
Intellectual Property
The service and its original content, features, and functionality are and will remain the exclusive property of Cifoyo-Dacoka and its licensors. Our service is protected by copyright, trademark, and other laws of both Canada and foreign countries.
License to Use
We grant you a limited, non-exclusive, non-transferable, and revocable license to use our service for personal, non-commercial purposes in accordance with these Terms.
User Content
Our service may allow you to post, link, store, share, and otherwise make available certain information, text, graphics, videos, or other material. You are responsible for the content that you post on or through the service.
Content Standards
You agree not to post content that:
- Is illegal, offensive, or promotes illegal activity
- Infringes on any third party's intellectual property rights
- Contains software viruses or any other computer code designed to interrupt, destroy, or limit the functionality of any computer software or hardware
- Attempts to mislead others about your identity or the origin of the content
- Contains private information of third parties without their consent
Prohibited Uses
You may use our service only for lawful purposes and in accordance with these Terms. You agree not to use our service:
- In any way that violates any applicable federal, provincial, local, or international law or regulation
- To transmit, or procure the sending of, any advertising or promotional material without our prior written consent
- To impersonate or attempt to impersonate the company, a company employee, another user, or any other person or entity
- To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the service
- To attempt to interfere with the proper working of the service
Termination
We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
Effect of Termination
Upon termination, your right to use the service will immediately cease. If you wish to terminate your account, you may simply discontinue using the service.
Limitation of Liability
In no event shall Cifoyo-Dacoka, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the service.
Disclaimer
Your use of the service is at your sole risk. The service is provided on an "AS IS" and "AS AVAILABLE" basis. The service is provided without warranties of any kind, whether express or implied.
Governing Law
These Terms shall be governed and construed in accordance with the laws of Ontario, Canada, without regard to its conflict of law provisions.
Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our service after those revisions become effective, you agree to be bound by the revised terms.
Contact Information
If you have any questions about these Terms, please contact us:
- By email: legal@cifoyo-dacoka.sbs
- By mail: 123 Financial District, Toronto, ON M5X 1A9, Canada
- By phone: +1 4370074952