Terms of Service

Last Updated: November 15, 2023

Welcome to Vanado Tegume. 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

Vanado Tegume provides financial education services including online courses, coaching, and educational materials. Our services are designed to help individuals improve their financial literacy and money management skills.

Eligibility

You must be at least 18 years old and capable of forming a binding contract to use our services. By using our services, you represent that you meet these requirements.

Account Registration

To access certain features, you may need to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Payment Terms

Fees for our services are as stated on our website. All payments are due upfront and are non-refundable except as specified in our refund policy. We use third-party payment processors to handle all financial transactions.

Intellectual Property

All content, materials, and resources provided through our services are the property of Vanado Tegume or our licensors and are protected by copyright and other intellectual property laws. You are granted a limited, non-exclusive license to access and use our services for personal, non-commercial purposes.

User Conduct

You agree not to:

Disclaimer of Financial Advice

Vanado Tegume provides educational information only. We are not a financial advisory service, and our content should not be considered as financial advice. You should consult with qualified financial professionals before making financial decisions.

Limitation of Liability

To the maximum extent permitted by law, Vanado Tegume shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services.

Indemnification

You agree to indemnify and hold harmless Vanado Tegume and its affiliates from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.

Modification of Terms

We reserve the right to modify these terms at any time. We will provide notice of material changes through our website or via email. Continued use of our services after changes constitutes acceptance of the modified terms.

Termination

We may suspend or terminate your access to our services at any time for violation of these terms or for any other reason at our discretion.

Governing Law

These terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein.

Dispute Resolution

Any disputes arising from these terms shall be resolved through binding arbitration in Toronto, Ontario, in accordance with the Arbitration Act of Ontario.

Contact Information

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

Vanado Tegume
123 Financial Way, Suite 200
Toronto, ON M5J 2T3
Canada
Email: legal@vanado-tegume.sbs
Phone: +1 4379697166

Disclaimer: Vanado Tegume provides financial education and coaching services. We are not financial advisors, and the information provided through our services should not be considered as financial advice. Results may vary based on individual circumstances, and we do not guarantee specific financial outcomes. Always consult with a qualified financial professional before making significant financial decisions.