Terms of Service

Welcome to Sidago Kabodu. These Terms of Service govern your use of our website and financial education services. Please read these terms carefully before using our services.

1. Acceptance of Terms

By accessing or using our services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you may not use our services.

2. Services Description

Sidago Kabodu provides financial education services including:

• Online courses and educational materials
• Budgeting tools and resources
• Financial planning guidance
• Interactive learning platforms
• Community forums and discussion boards
• Personalized financial insights

3. User Accounts

To access certain features, you must create a user account. You agree to:

• Provide accurate and complete registration information
• Maintain the security of your password
• Promptly update any changes to your information
• Be responsible for all activities under your account
• Notify us immediately of any unauthorized use
• Maintain only one account per individual

4. Payment Terms

For paid services, you agree to:

• Pay all fees and charges associated with your account
• Provide valid payment information
• Authorize us to charge your payment method for renewal periods
• Understand that all fees are non-refundable except as required by law
• Be responsible for any taxes associated with your purchases

5. Intellectual Property

All content provided through our services, including:

• Course materials and curriculum
• Text, graphics, and images
• Software and technology platforms
• Branding and trademarks
• Proprietary methodologies

is the property of Sidago Kabodu or our licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our permission.

6. User Conduct

You agree not to:

• Use our services for any illegal purpose
• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Upload or transmit harmful code or content
• Attempt to gain unauthorized access to our systems
• Impersonate any person or entity
• Interfere with or disrupt our services
• Engage in any fraudulent activity

7. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including:

• No warranty of merchantability
• No warranty of fitness for a particular purpose
• No warranty of non-infringement
• No warranty of accuracy or reliability
• No warranty of uninterrupted or error-free service

8. Limitation of Liability

To the maximum extent permitted by law, Sidago Kabodu shall not be liable for:

• Any indirect, incidental, or consequential damages
• Loss of profits or revenue
• Loss of data or information
• Costs of substitute goods or services
• Damages related to your financial decisions
• Any third-party claims

Our total liability shall not exceed the amount you paid for services in the six months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless Sidago Kabodu, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from:

• Your use of our services
• Your violation of these terms
• Your violation of any rights of another party
• Your financial decisions based on our educational content
• Any content you submit or transmit

10. Termination

We may terminate or suspend your account at our sole discretion without notice for conduct that we believe:

• Violates these Terms of Service
• Violates applicable laws or regulations
• May cause harm to our company or other users
• Involves fraudulent or abusive behavior

Upon termination, your right to use our services will immediately cease.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any legal action or proceeding shall be brought exclusively in the courts located in Toronto, Ontario.

12. Changes to Terms

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

13. Contact Information

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

Sidago Kabodu
123 Yonge Street
Toronto, ON M5C 1W4, Canada
Email: legal@sidago-kabodu.sbs
Phone: +1 4374403886