Terms of Service

Last Updated: October 15, 2023

Welcome to Todevo Porano. 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.

Account Registration

To access certain features of our services, you must create an account:

• You must provide accurate and complete information
• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized use of your account
• We reserve the right to suspend or terminate accounts that violate these terms

Services Description

Todevo Porano provides educational content related to personal finance:

• Online courses and learning materials
• Interactive tools and calculators
• Coaching and consultation services
• Community forums and discussion groups
• Downloadable resources and templates

Payment Terms

Certain services require payment:

• Fees are stated in Canadian dollars
• Payment must be made prior to accessing paid content
• We use third-party payment processors
• All sales are final, except as provided in our refund policy
• We may change prices at any time, with notice to current subscribers

Refund Policy

We offer a 30-day money-back guarantee for our courses:

• Refund requests must be submitted within 30 days of purchase
• You must demonstrate completion of at least the first module
• Refunds will be issued to the original payment method
• Processing may take 5-10 business days
• Coaching sessions are non-refundable once conducted

Intellectual Property Rights

All content provided through our services is protected by intellectual property laws:

• We grant you a limited, non-exclusive license to access and use the content
• You may not copy, distribute, or create derivative works without permission
• All trademarks, logos, and service marks are our property
• User-generated content remains your property, but you grant us a license to use it

User Conduct

You agree not to engage in any of the following prohibited activities:

• Violating any applicable laws or regulations
• Infringing upon our or others' intellectual property rights
• Harassing, abusing, or harming other persons
• Transmitting spam or unauthorized advertising
• Interfering with or disrupting the services
• Attempting to bypass any security measures
• Sharing your account credentials with others

Disclaimer of Warranties

Our services are provided "as is" without warranties of any kind:

• We do not guarantee that the services will meet your requirements
• We do not guarantee uninterrupted, secure, or error-free service
• We are not responsible for the accuracy or reliability of any information
• We provide educational content, not financial advice

Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for:

• Any indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Decisions made based on information provided in our courses
• Any financial losses or investment outcomes

Indemnification

You agree to indemnify and hold harmless Todevo Porano and its affiliates from any claims, damages, or expenses arising from:

• Your use of the services
• Your violation of these terms
• Your violation of any rights of another party
• Any user-generated content you submit

Termination

We may terminate or suspend your account at any time for any reason:

• Violation of these terms may result in immediate termination
• Upon termination, your right to use the services will cease immediately
• Certain provisions will survive termination

Governing Law

These terms shall be governed by the laws of Ontario, Canada. Any disputes shall be resolved in the courts of Toronto, Ontario.

Changes to Terms

We may modify these terms at any time. We will provide notice of material changes. Continued use of our services constitutes acceptance of the modified terms.

Contact Information

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

Email: legal@todevo-porano.sbs

Phone: +1 4378909498

Mail: 123 Financial District, Toronto, ON M5X 1A9, Canada