Terms of Service

Last Updated: November 15, 2023

Welcome to Vejeso Kulifa. These Terms of Service govern your use of our website and financial education services. Please read these terms carefully before using our services.

1. Agreement to Terms

By accessing or using our services, you agree to be bound by these Terms of Service and our Privacy Policy. If you disagree with any part of these terms, you may not access our services.

2. Description of Services

Vejeso Kulifa provides financial education services including:

• Online courses and materials on personal finance topics
• Budgeting tools and templates
• Coaching sessions with financial educators
• Educational resources and content

Our services are educational in nature and do not constitute financial advice, investment advice, or legal advice.

3. User Accounts

To access certain features of our services, you may need to create a user account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate and complete information when creating your account
• Notifying us immediately of any unauthorized use of your account

We reserve the right to suspend or terminate your account if any information provided is inaccurate, incomplete, or misleading.

4. Payment Terms

Certain services require payment of fees. By purchasing these services, you agree to:

• Pay all applicable fees as described on our website
• Provide accurate billing and payment information
• Authorize us to charge your chosen payment method for all applicable fees

Fees are non-refundable except as specified in our refund policy or required by law.

5. Refund Policy

We offer a 30-day money-back guarantee for our paid programs. To request a refund:

• Submit a written request to info@vejeso-kulifa.sbs within 30 days of purchase
• Demonstrate that you have actively participated in the program
• Provide feedback on why the program did not meet your expectations

Refunds will be processed within 14 business days of approval.

6. Intellectual Property Rights

All content included in our services, including text, graphics, logos, images, audio clips, digital downloads, and software, is the property of Vejeso Kulifa or our content suppliers and protected by copyright laws.

You may not:

• Reproduce, duplicate, copy, sell, resell, or exploit any portion of our services without express written permission
• Modify, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information obtained from our services
• Use our content for commercial purposes without obtaining a license to do so

7. User Conduct

You agree not to use our services to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Submit false or misleading information
• Engage in unauthorized framing or linking to our services
• Upload or transmit viruses or other malicious code
• Interfere with or disrupt the integrity or performance of our services
• Attempt to gain unauthorized access to our systems or networks

8. Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis. Vejeso Kulifa makes no representations or warranties of any kind, express or implied, as to the operation of our services or the information, content, materials, or products included therein.

We do not guarantee that:

• Our services will meet your specific requirements
• Our services will be uninterrupted, timely, secure, or error-free
• The results that may be obtained from the use of our services will be accurate or reliable
• The quality of any products, services, information, or other material obtained by you will meet your expectations

9. Limitation of Liability

In no event shall Vejeso Kulifa, 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 our services
• Any conduct or content of any third party on our services
• Any unauthorized access to or use of our servers and/or any personal information stored therein
• Any interruption or cessation of transmission to or from our services
• Any bugs, viruses, Trojan horses, or the like that may be transmitted to or through our services

10. Indemnification

You agree to indemnify and hold harmless Vejeso Kulifa and its affiliates, directors, officers, employees, and agents from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including without limitation reasonable legal and accounting fees, arising out of or in any way connected with:

• Your access to or use of our services
• Your violation of these Terms of Service
• Your violation of any rights of another party

11. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.

What constitutes a material change will be determined at our sole discretion. By continuing to access or use our services after any revisions become effective, you agree to be bound by the revised terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.

Any legal action or proceeding relating to your access to or use of our services shall be instituted in the courts of the Province of Ontario.

13. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Vejeso Kulifa
123 Financial District Blvd
Toronto, ON M5X 1A1
Email: info@vejeso-kulifa.sbs
Phone: +1 4371315463