Terms of Service
Last Updated: November 15, 2023
Please read these Terms of Service ("Terms," "Terms of Service") carefully before using the Guvatu Pifedi website and financial education platform (the "Service") operated by Guvatu Pifedi ("us," "we," or "our").
1. Acceptance of 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.
2. Description of Service
Guvatu Pifedi provides financial education services, including but not limited to:
- Budgeting tools and expense tracking
- Financial literacy educational content
- Financial planning resources
- Personalized financial recommendations
Our services are educational in nature and do not constitute financial advice.
3. 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.
4. Subscription and Payments
Certain aspects of the Service may be provided for a fee or other charge. If you elect to use paid aspects of the Service, you agree to the pricing and payment terms as we may update them from time to time.
Billing Cycle
The subscription fee will be billed at the beginning of your subscription and on each renewal period thereafter unless you cancel your subscription.
Cancellation
You may cancel your subscription at any time. Cancellation will take effect at the end of the current billing period.
5. User Content
Our Service allows you to post, link, store, share, and otherwise make available certain information, text, graphics, or other material ("Content"). You are responsible for the Content that you post on or through the Service.
6. Intellectual Property
The Service and its original content, features, and functionality are and will remain the exclusive property of Guvatu Pifedi and its licensors. The Service is protected by copyright, trademark, and other laws of both Canada and foreign countries.
7. Links to Other Websites
Our Service may contain links to third-party websites or services that are not owned or controlled by Guvatu Pifedi. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.
8. 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. Upon termination, your right to use the Service will immediately cease.
9. Limitation of Liability
In no event shall Guvatu Pifedi, 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.
10. 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.
11. 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.
12. 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.
13. Contact Us
If you have any questions about these Terms, please contact us at:
Guvatu Pifedi
123 Cyber Street
Toronto, ON M5J 2S8
Email: legal@guvatu-pifedi.sbs
Phone: +1 4371506574