Terms of Service

Last Updated: November 15, 2023

Welcome to Bofigo Sivama. 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.

1. Acceptance of Terms

By registering for, accessing, or using any services provided by Bofigo Sivama, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, you may not access or use our services.

2. Services Description

Bofigo Sivama provides financial education services including but not limited to:

• Online courses and educational materials
• Budget planning tools and templates
• Expense tracking systems and methodologies
• Financial literacy resources and content
• Personalized financial guidance (educational only)

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

3. User Accounts

To access certain features of our services, you must create a user account. You agree to:

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

4. Payment Terms

Access to certain services requires payment of fees. You agree to:

• Pay all applicable fees as described in our pricing information
• Provide valid payment information and keep it updated
• Authorize us to charge your payment method for all applicable fees
• Understand that all fees are non-refundable except as required by law
• Accept that we may change our fees structure with 30 days' notice

5. Intellectual Property Rights

All content included in or made available through our services, including text, graphics, logos, images, audio clips, digital downloads, and data compilations, is the property of Bofigo Sivama or its content suppliers and protected by Canadian and international copyright laws.

You are granted a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content without our express written permission.

6. User Conduct and Restrictions

You agree not to engage in any of the following prohibited activities:

• Copying, distributing, or disclosing any part of our services in any medium
• Using any automated system to access our services in a manner that sends more request messages than a human could reasonably produce
• Attempting to interfere with, compromise the system integrity or security of our services
• Taking any action that imposes an unreasonable load on our infrastructure
• Uploading invalid data, viruses, worms, or other software agents
• Collecting or harvesting any personally identifiable information from our services
• Using our services for any illegal purpose or in violation of any laws

7. Disclaimer of Financial Advice

Bofigo Sivama provides financial education services, not financial advice. The information presented through our services is for educational purposes only and should not be construed as professional financial advice. We are not licensed financial advisors, and our services do not replace personalized advice from qualified professionals.

You acknowledge that all financial decisions involve risk and that you are solely responsible for your financial decisions and outcomes. We make no guarantees regarding financial results or outcomes based on use of our services.

8. Limitation of Liability

To the fullest extent permitted by law, Bofigo Sivama shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses 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
• 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, Trojan horses, or the like that may be transmitted to or through our services

9. 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. All provisions of these Terms which by their nature should survive termination shall survive termination, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

10. 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.

Any legal action or proceeding relating to your access to or use of our services shall be instituted in the courts of the Province of Ontario. You agree to submit to the jurisdiction of the courts of the Province of Ontario and waive any objections to the exercise of jurisdiction over you by such courts.

11. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms of Service 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.

By continuing to access or use our services after any revisions become effective, you agree to be bound by the revised terms.

12. Contact Information

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

Bofigo Sivama
123 Financial District
Toronto, ON M5X 1A1
Email: legal@bofigo-sivama.sbs
Phone: +1 4370979560