Terms of Service

Last Updated: November 15, 2023

Welcome to Cowezo Fumoje. These Terms of Service govern your use of our financial education platform and services. By accessing or using our services, you agree to be bound by these Terms.

1. Account Registration

To access certain features of our services, you must register for an account. When creating your account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your password and accept all risks of unauthorized access
• Notify us immediately of any unauthorized use of your account
• Be responsible for all activities that occur under your account
• Be at least 18 years of age or have parental consent

2. Service Description

Cowezo Fumoje provides educational content, tools, and resources related to personal finance management. Our services include:

• Budget planning and expense tracking educational materials
• Financial literacy courses and tutorials
• Interactive financial planning tools
• Personalized financial education recommendations
• Community forums for discussion and support

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time.

3. Subscription and Payment

Some features of our service require paid subscriptions. By subscribing, you agree to:

• Pay all applicable fees for the selected subscription plan
• Provide accurate billing and payment information
• Authorize us to charge your payment method for recurring subscriptions
• Understand that fees are non-refundable except as required by law
• Accept that subscription fees may change with reasonable notice

4. User Content

You retain ownership of any content you submit to our platform. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and display that content solely for providing our services to you.

You agree not to submit content that:

• Violates any law or regulation
• Infringes on any third party's intellectual property rights
• Contains viruses or other malicious code
• Is defamatory, obscene, or otherwise objectionable
• Contains sensitive financial information of others

5. Intellectual Property

All content, features, and functionality of our platform, including text, graphics, logos, and software, are the exclusive property of Cowezo Fumoje and are protected by international copyright, trademark, and other intellectual property laws.

You may not copy, modify, create derivative works, reverse engineer, or attempt to extract the source code of our software without our express permission.

6. Disclaimer of Financial Advice

Cowezo Fumoje provides educational information only. We are not a financial advisory service and do not provide personalized financial advice. The information on our platform should not be considered as:

• Professional financial advice
• Recommendation to buy, sell, or hold any investment
• Endorsement of any particular financial product or strategy
• Guarantee of specific financial outcomes or results

You are solely responsible for your financial decisions and should consult with qualified professionals before making significant financial choices.

7. Limitation of Liability

To the maximum extent permitted by law, Cowezo Fumoje shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the services
• Any conduct or content of any third party on the 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, or similar that may be transmitted through our services

8. Termination

We may terminate or suspend your account and access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the services will immediately cease.

9. 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.

10. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the new Terms on our platform and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the new Terms.

11. Contact Information

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

Cowezo Fumoje Inc.
123 Financial District
Toronto, ON M5X 1A9
Canada
Email: legal@cowezo-fumoje.sbs
Phone: +1 4372173122