Terms of Service

Last Updated: November 15, 2023

Welcome to Cipahu Tiveja! These Terms of Service govern your use of our personal finance education platform and services. Please read these terms carefully before using our services.

1. Acceptance of Terms

By accessing or using the Cipahu Tiveja platform, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you may not access or use our services.

2. Description of Services

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

• Budgeting tools and expense tracking features
• Educational content on financial topics
• Interactive financial planning calculators
• Personalized financial insights and recommendations
• Community forums and discussion boards

We continuously update and improve our services, and may add or remove features at our discretion.

3. Account Registration

To access certain features of our platform, you must create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your password and account credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

You must be at least 18 years old to create an account and use our services.

4. Subscription and Payment

Some features of our platform require a paid subscription. By subscribing, you agree to:

• Pay all subscription fees at the then-current rate
• Provide accurate billing and payment information
• Authorize us to charge your payment method for renewal periods

Subscription fees are non-refundable except as required by law or as specifically stated in our refund policy.

5. User Conduct and Responsibilities

When using our services, you agree not to:

• Violate any applicable laws or regulations
• Infringe upon the intellectual property rights of others
• Upload or transmit viruses or malicious code
• Attempt to gain unauthorized access to our systems or other users' accounts
• Use our services for any fraudulent or misleading purpose
• Harass, abuse, or harm other users
• Interfere with or disrupt the integrity or performance of our services

6. Intellectual Property Rights

All content, features, and functionality available on our platform, including but not limited to text, graphics, logos, icons, images, audio clips, and software, are the exclusive property of Cipahu Tiveja or our licensors and are protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our services for your personal, non-commercial use, subject to these terms.

7. User Content

You retain ownership of any content you submit, post, or display on or through our services. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display such content for the purpose of providing and improving our services.

You are solely responsible for the content you submit and the consequences of posting it. We reserve the right to remove any content that violates these terms.

8. Disclaimer of Financial Advice

Cipahu Tiveja provides educational information and tools for personal finance management. We are not a financial advisory service, and the information provided should not be considered as financial advice. You should consult with a qualified financial professional before making any financial decisions.

We do not guarantee any specific financial outcomes or results from using our services. Your financial situation is unique, and any tools or information provided are for educational purposes only.

9. Limitation of Liability

To the maximum extent permitted by law, Cipahu Tiveja 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, 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 the services
• Any bugs, viruses, Trojan horses, or the like that may be transmitted to or through the services

10. Termination

We may terminate or suspend your account and access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms of Service.

Upon termination, your right to use the services will immediately cease. If you wish to terminate your account, you may simply discontinue using the services or contact us to delete your account.

11. 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.

12. 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.

13. Contact Information

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

Cipahu Tiveja
123 Yonge St, Toronto, ON M5C 1W4, Canada
Email: legal@cipahu-tiveja.sbs
Phone: +1 4370319095