Terms of Service
Last Updated: November 15, 2023
Please read these Terms of Service ("Terms," "Terms of Service") carefully before using the racugo-navoxa.sbs website (the "Service") operated by Racugo Navoxa ("us," "we," or "our").
Acceptance of Terms
By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the Service.
Educational Services
Racugo Navoxa provides financial education services, including but not limited to:
- Budgeting and expense management education
- Debt management strategies
- Financial planning guidance
- Educational materials and resources
- Coaching and consultation services
Our services are educational in nature and do not constitute financial advice, investment advice, or any form of professional financial planning. We are not a financial advisory firm and do not provide personalized financial recommendations.
User Accounts
When you create an account with us, you must provide accurate, complete, and current information. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account.
You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password. You agree not to disclose your password to any third party.
Intellectual Property
The Service and its original content, features, and functionality are and will remain the exclusive property of Racugo Navoxa and its licensors. The Service is protected by copyright, trademark, and other laws of both Canada and foreign countries.
Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Racugo Navoxa.
Payment Terms
Certain aspects of the Service may be provided for a fee. You agree to pay all applicable fees in accordance with the pricing terms presented to you.
All fees are stated in Canadian dollars and are exclusive of applicable taxes. You are responsible for paying all taxes and government charges associated with your purchase.
Refund Policy
We offer a 14-day money-back guarantee for our educational programs. If you are not satisfied with our services within the first 14 days of your purchase, you may request a full refund by contacting our support team.
Refund requests after the 14-day period will be considered on a case-by-case basis but are not guaranteed.
User Conduct
You agree not to use the Service:
- For any unlawful purpose or to solicit others to perform or participate in any unlawful acts
- To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
- To infringe upon or violate our intellectual property rights or the intellectual property rights of others
- To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability
- To submit false or misleading information
- To upload or transmit viruses or any other type of malicious code
- To collect or track the personal information of others
- To spam, phish, pharm, pretext, spider, crawl, or scrape
- For any obscene or immoral purpose
- To interfere with or circumvent the security features of the Service
Termination
We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service.
Limitation of Liability
In no event shall Racugo Navoxa, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, 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 Service
- Any conduct or content of any third party on the Service
- 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 Service
- Any bugs, viruses, Trojan horses, or the like that may be transmitted to or through the Service
- Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Service
Disclaimer
Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.
Racugo Navoxa does not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.
Governing Law
These Terms shall be governed and construed in accordance with the laws of Ontario, Canada, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
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.
Contact Information
If you have any questions about these Terms, please contact us at:
Racugo Navoxa
123 Financial District
Toronto, ON M5J 2S1
Canada
Email: legal@racugo-navoxa.sbs
Phone: +1 4379025110