Terms of Service
Last Updated: January 1, 2023
Please read these Terms of Service ("Terms") carefully before using the services offered by Ripuxu Bilozo ("we," "us," or "our"). These Terms govern your access to and use of our personal finance education services.
Agreement to Terms
By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use our services.
Our Services
Ripuxu Bilozo provides personal finance education through various programs, courses, and coaching services. Our services include:
- Budgeting education and tools
- Debt management strategies
- Financial planning guidance
- One-on-one coaching sessions
- Educational materials and resources
Educational Nature of Services
Our services are educational in nature. We provide financial education and coaching, not financial advice. The information we provide should not be considered as financial advice.
Registration and Account Security
To access certain features of our services, you may need to register for an account. When registering, you agree to:
- Provide accurate, current, and complete information
- Maintain the security of your password and accept all risks of unauthorized access
- Promptly update any information to keep it accurate, current, and complete
- Be responsible for all activities that occur under your account
Payment Terms
Certain aspects of our services may be provided for a fee. By purchasing our services, you agree to:
- Pay all applicable fees in accordance with the pricing terms presented at the time of purchase
- Provide a valid payment method
- Authorize us to charge your payment method for all applicable fees
Refund Policy
We offer refunds under the following conditions:
- Full refund within 14 days of purchase if no services have been accessed
- Partial refund after services have been accessed, calculated on a pro-rata basis
- No refund after completion of a program or service
Intellectual Property Rights
All content included in or made available through our services, such as text, graphics, logos, images, and software, is the property of Ripuxu Bilozo or its content suppliers and protected by copyright laws.
User Content
You retain all rights to any content you submit, post, or display on or through our services. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display such content.
Prohibited Activities
You agree not to engage in any of the following prohibited activities:
- Copying, distributing, or disclosing any part of our services in any medium
- Using any automated system to access our services
- Attempting to interfere with, compromise the system integrity, or decipher any transmissions
- Taking any action that imposes an unreasonable load on our infrastructure
- Uploading invalid data, viruses, worms, or other software agents
- Collecting or harvesting any personally identifiable information
- Using our services for any illegal purpose
- Violating any applicable regulations or rules
Termination
We may terminate or suspend your account and access to our services at any time, without prior notice or liability, for any reason, including if you breach these Terms.
Disclaimer of Warranties
Our services are provided "as is" without warranty of any kind. We do not guarantee that the services will meet your requirements or be available on an uninterrupted, secure, or error-free basis.
Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues.
Governing Law
These Terms shall be governed by the laws of the Province of Ontario, Canada, without regard to its conflict of law provisions.
Changes to Terms
We may modify these Terms at any time. We will provide notice of significant changes by posting the new Terms on our website. Your continued use of our services after such changes constitutes your acceptance of the new Terms.
Contact Information
If you have any questions about these Terms, please contact us at:
Ripuxu Bilozo
123 Yonge St, Toronto, ON M5C 1W4, Canada
Email: info@ripuxu-bilozo.sbs
Phone: +1 4378375160