Terms of Service
Last Updated: January 15, 2023
Welcome to Sitoyu Humawa. These Terms of Service govern your use of our website and services. By accessing or using our services, you agree to be bound by these Terms.
Eligibility
To use our services, you must be at least 18 years of age and reside in Canada. By using our services, you represent and warrant that you meet these eligibility requirements.
Services Description
Sitoyu Humawa provides personal finance education services, including but not limited to:
- Budgeting guidance and tools
- Expense management strategies
- Financial literacy educational content
- One-on-one coaching sessions
- Educational resources and materials
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 and for all activities that occur under your account.
Payment Terms
Fees for our services are clearly displayed on our website. All payments are processed through secure third-party payment processors. By providing payment information, you represent that you are authorized to use the payment method.
Refund Policy
We offer a 14-day money-back guarantee for all our programs. If you are unsatisfied with our services within the first 14 days of purchase, you may request a full refund by contacting our support team.
Intellectual Property
All content included on our website and provided through our services, including text, graphics, logos, images, and software, is the property of Sitoyu Humawa or its content suppliers and protected by Canadian and international copyright laws.
User Content
You retain ownership of any content you submit to our services. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and display that content solely for the purpose of providing our services to you.
Prohibited Activities
When using our services, you agree not to:
- Violate any applicable laws or regulations
- Infringe upon the rights of others
- 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
Disclaimer of Warranties
Our services are provided on an "as-is" and "as-available" basis. We make no warranties, expressed or implied, regarding the accuracy, reliability, or completeness of any information provided through our services.
Limitation of Liability
To the fullest extent permitted by law, Sitoyu Humawa shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services.
Indemnification
You agree to indemnify and hold harmless Sitoyu Humawa and its affiliates from any claims, damages, losses, liabilities, and expenses arising from your use of our services or violation of these Terms.
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.
Changes to Terms
We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on our website. Your continued use of our services after such changes constitutes acceptance of the modified Terms.
Contact Information
If you have any questions about these Terms of Service, please contact us at:
Sitoyu Humawa
123 Financial District Blvd
Toronto, ON M5J 2T1, Canada
Email: info@sitoyu-humawa.sbs
Phone: +1 4376385542