Terms of Service

Last Updated: November 15, 2023

Welcome to Kizowi Wexesa! These Terms of Service govern your use of our website and financial education services. By accessing or using our services, you agree to be bound by these terms.

Account Registration

To access certain features of our services, you may need to register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• 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

Services Description

Kizowi Wexesa provides financial education services including:

• Educational courses and materials on personal finance topics
• Budgeting tools and financial planning resources
• Coaching and consultation services (where applicable)
• Community forums and discussion platforms
• Downloadable resources and templates

We reserve the right to modify, suspend, or discontinue any part of our services at any time without prior notice.

Payment Terms

For paid services, you agree to:

• Pay all fees and charges associated with your account in a timely manner
• Provide accurate billing and payment information
• Authorize us to charge your chosen payment method for all applicable fees
• Understand that all fees are non-refundable except as required by law or specified in our refund policy

Intellectual Property Rights

All content included on our website and within our services, including text, graphics, logos, images, audio clips, digital downloads, and software, is the property of Kizowi Wexesa or our content suppliers and protected by international copyright laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial purposes. You may not:

• Reproduce, duplicate, copy, sell, or otherwise exploit any portion of our services without express written permission
• Modify, adapt, translate, reverse engineer, decompile, or disassemble any part of our services
• Remove any copyright, trademark, or other proprietary notices from our materials
• Use our content for any commercial purpose without obtaining a license to do so from us

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 website
• 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
• Harass, abuse, or harm another person
• Collect or track personal information of others

Disclaimer of Financial Advice

Kizowi Wexesa provides financial education services, not financial advice. Our services are for educational purposes only and should not be considered as:

• Investment advice or recommendations
• Financial planning advice tailored to your specific circumstances
• Tax advice or accounting services
• Legal advice regarding financial matters

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

Limitation of Liability

To the fullest extent permitted by law, Kizowi Wexesa shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, use, goodwill, or other intangible losses
• Damages 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
• Unauthorized access, use, or alteration of your transmissions or content

Indemnification

You agree to defend, indemnify, and hold harmless Kizowi Wexesa and its affiliates, officers, agents, and employees from any claim, demand, loss, liability, or expense (including reasonable attorneys' fees) relating to:

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

Governing Law

These Terms of Service 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.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will provide notice of significant changes by posting the updated terms on our website with a new effective date. 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 of Service, please contact us at:

Kizowi Wexesa
123 Financial District
Toronto, ON M5X 1A1
Email: legal@kizowi-wexesa.sbs
Phone: +1 4374397749