Terms of Service

Last Updated: November 15, 2023

Please read these Terms of Service ("Terms," "Terms of Service") carefully before using the jonehi-zeyaho.sbs website and the financial education services provided by Jonehi Zeyaho Financial Education ("us," "we," or "our").

1. Acceptance of Terms

By accessing or using our website and services, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access our services.

2. Educational Services

Jonehi Zeyaho provides financial education services including:

• Online courses and educational materials
• Budgeting tools and resources
• Financial planning guidance
• Coaching and support services

Our services are educational in nature and do not constitute financial advice, investment recommendations, or credit repair services. We are not registered financial advisors, and our services should not be considered as a substitute for professional financial advice.

3. User Accounts

To access certain features of our services, you must create a user account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate and complete information during registration
• Promptly updating any changes to your account information

We reserve the right to suspend or terminate accounts that violate these Terms or provide false information.

4. Payment Terms

Access to certain services requires payment of fees. By purchasing our services, you agree to:

• Pay all charges at the prices then in effect
• Authorize us to charge your chosen payment provider
• Provide current, complete, and accurate purchase information

All fees are non-refundable except as required by law or as specifically stated in our refund policy. We may change our pricing at any time, but price changes will not affect completed purchases.

5. Intellectual Property

The Service and its original content, features, and functionality are owned by Jonehi Zeyaho and are protected by international copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our educational materials for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works of our content without explicit permission.

6. User Conduct

You agree not to use our services to:

• Violate any applicable law or regulation
• Infringe upon the intellectual property rights of others
• Harass, abuse, or harm another person
• Submit false or misleading information
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any portion of the Service
• Use any automated systems including robots or spiders to access the Service

7. Disclaimer of Warranties

Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. We disclaim all warranties of any kind, whether express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee the accuracy, completeness, or usefulness of any information on the Service. We are not responsible for any financial decisions made based on information provided through our services.

8. Limitation of Liability

In no event shall Jonehi Zeyaho, nor its directors, employees, or agents, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, 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, or the like that may be transmitted to or through the Service

9. Indemnification

You agree to defend, indemnify, and hold harmless Jonehi Zeyaho and its licensees and licensors from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses resulting from or arising out of your use of the Service, your violation of these Terms, or your violation of any third-party rights.

10. 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, without regard to its conflict of law provisions.

Any legal action or proceeding relating to your access to or use of the Service 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 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.

By continuing to access or use our Service 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, please contact us at:

Jonehi Zeyaho Financial Education
123 Financial District
Toronto, ON M5X 1A9
Email: legal@jonehi-zeyaho.sbs
Phone: +1 4374647809