Terms of Service
Last Updated: November 15, 2023
Welcome to Disoja Hagako Financial Education. These Terms of Service govern your use of our website and services. By accessing or using our services, you agree to be bound by these terms.
Services Description
Disoja Hagako provides financial education services including budgeting guidance, debt management strategies, and wealth building principles. Our services are educational in nature and do not constitute financial advice.
User Accounts
To access certain features, you may need to 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 your information if it changes
Intellectual Property
All content provided through our services, including text, graphics, logos, and educational materials, is the property of Disoja Hagako or its content suppliers and protected by copyright laws. You may not reproduce, distribute, or create derivative works without our express permission.
Payment Terms
Fees for our programs are clearly stated on our website. Payment is required before accessing paid content. We offer a 30-day money-back guarantee for our programs as described in our refund policy.
User Conduct
You agree not to:
- Use our services for any unlawful purpose
- Share your account access with others
- Attempt to circumvent any content protection measures
- Upload or transmit viruses or malicious code
- Harass, intimidate, or threaten other users or our staff
Disclaimer of Warranties
Our services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee that our services will meet your requirements or be available uninterrupted or error-free.
Limitation of Liability
Disoja Hagako shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use of our services or inability to use our services.
Indemnification
You agree to indemnify and hold harmless Disoja Hagako and its affiliates from any claims, damages, or expenses arising from your violation of these terms or your use of our services.
Termination
We may suspend or terminate your access to our services at our discretion if you violate these terms or engage in activities that may harm our services or other users.
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.
Changes to Terms
We reserve the right to modify these terms at any time. We will provide notice of significant changes through our website or via email. Continued use of our services constitutes acceptance of the modified terms.
Contact Information
For questions about these Terms of Service, please contact us at:
Disoja Hagako Financial Education
123 Financial District
Toronto, ON M5X 1A9
Email: legal@disoja-hagako.sbs
Phone: +1 4374904788