Terms of Service

Last Updated: November 15, 2023

Please read these Terms of Service ("Terms") carefully before using the Lavovi Wulura personal finance education services operated by Lavovi Wulura ("us," "we," or "our").

1. Acceptance of Terms

By accessing or using our 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. Service Description

Lavovi Wulura provides financial education services including budgeting guidance, expense tracking systems, and financial literacy resources. Our services are educational in nature and do not constitute financial advice.

3. User Accounts

When you create an account with us, you must provide accurate and complete information. You are responsible for maintaining the confidentiality of your account and password.

4. Payment Terms

Access to certain features of our services requires payment. All payments are processed through secure third-party payment processors. Fees are non-refundable except as required by law or as explicitly stated in our refund policy.

5. Intellectual Property

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

6. User Conduct

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Engage in unauthorized framing or linking to the Service
• Upload or transmit viruses or other malicious code
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any portion of the Service

7. Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. Lavovi Wulura makes no warranties, expressed or implied, regarding the Service's operation or the information, content, or materials included therein.

8. Limitation of Liability

In no event shall Lavovi Wulura, its directors, employees, partners, or agents be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the Service.

9. Indemnification

You agree to defend, indemnify, and hold harmless Lavovi Wulura from any claims, damages, obligations, losses, or expenses resulting from your use of the Service or violation of these Terms.

10. Termination

We may terminate or suspend your account immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, without regard to its conflict of law provisions.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes through the Service or by email. Continued use after changes constitutes acceptance of the modified Terms.

13. Contact Information

Questions about these Terms should be sent to us at legal@lavovi-wulura.sbs or by mail to 123 Cyber Finance Ave, Toronto, ON M5J 2T8, Canada.