Terms of Service

Last Updated: November 15, 2023

Please read these Terms of Service ("Terms," "Terms of Service") carefully before using the Biyafa Buderi Finance website and services operated by Biyafa Buderi Finance ("us," "we," or "our").

Acceptance of Terms

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

Educational Services

Biyafa Buderi Finance provides personal finance education services including:

• Budget planning and expense management courses
• Financial literacy educational materials
• One-on-one financial coaching sessions
• Interactive financial planning tools
• Resource library and learning materials
• Community support forums

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 credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring you logout from your account after each session
• Providing current and accurate personal information
• Complying with all applicable laws and regulations

Payment Terms

Certain aspects of our service are billed on a subscription basis. You agree to:

• Pay all fees at the rates then in effect
• Authorize us to charge your chosen payment provider
• Understand that fees are non-refundable except as required by law
• Notify us of any billing issues within 30 days
• Understand that prices may change with 30 days notice
• Maintain valid payment information on file

Intellectual Property

The Service and its original content, features, and functionality are owned by Biyafa Buderi Finance and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. Our materials include:

• Course content and educational materials
• Financial planning templates and tools
• Website design and layout
• Proprietary algorithms and methodologies
• Brand names and logos
• Documentation and support materials

User Conduct

You agree not to use the service to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Submit false or misleading information
• Engage in unauthorized framing or linking
• Upload viruses or malicious code
• Interfere with the proper working of the service
• Bypass measures that prevent or restrict access

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
• You will not be entitled to any refunds
• We may delete your information and content
• All provisions of the Terms will survive termination
• You remain liable for all charges incurred before termination
• We may retain your information as required by law

Limitation of Liability

In no event shall Biyafa Buderi Finance, 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
• Any conduct or content of any third party on the Service
• Any content obtained from the Service
• Unauthorized access, use or alteration of your transmissions or content
• Financial decisions made based on our educational content
• Interruption of service or technical problems

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, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

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. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

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.

Contact Information

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

Biyafa Buderi Finance
123 Financial District Blvd
Toronto, ON M5J 2T3, Canada
Email: legal@biyafa-buderi.sbs
Phone: +1 4372349643