Terms of Service

Last Updated: November 15, 2023

Please read these Terms of Service ("Terms") carefully before using the rulecu-faviju.sbs website operated by Rulecu Faviju Financial Vision ("us," "we," or "our").

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

1. Accounts

When you create an account with us, you must provide us with information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

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. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

2. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Rulecu Faviju Financial Vision 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 Rulecu Faviju Financial Vision.

3. Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by Rulecu Faviju Financial Vision.

Rulecu Faviju Financial Vision has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Rulecu Faviju Financial Vision shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such websites or services.

4. 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.

5. Limitation of Liability

In no event shall Rulecu Faviju Financial Vision, 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 content obtained from the Service
• Unauthorized access, use, or alteration of your transmissions or content

6. 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.

Rulecu Faviju Financial Vision provides educational content and resources for personal finance management. We are not financial advisors and do not provide personalized financial advice. The information provided is for educational purposes only and should not be considered as financial advice.

7. 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.

8. 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 try to 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 those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

9. Refund Policy

We offer a 30-day money-back guarantee for all our programs. If you are not satisfied with your purchase, you may request a refund within 30 days of your purchase date. To be eligible for a refund, you must have completed at least 50% of the course materials.

Refund requests must be submitted in writing to info@rulecu-faviju.sbs with your purchase details and reason for requesting a refund.

10. Subscription Terms

Some parts of the Service are billed on a subscription basis. You will be billed in advance on a recurring and periodic basis. At the end of each period, your subscription will automatically renew under the exact same conditions unless you cancel it or Rulecu Faviju Financial Vision cancels it.

11. Contact Us

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

Rulecu Faviju Financial Vision
123 Financial District
Toronto, ON M5X 1A9
Email: info@rulecu-faviju.sbs
Phone: +1 4375985030