Terms of Service

Last Updated: October 15, 2023

Please read these Terms of Service ("Terms," "Terms of Service") carefully before using the bumuge-bavaca.sbs website (the "Service") operated by Bumuge Bavaca Financial Education ("us," "we," or "our").

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

Educational Nature of Service

Bumuge Bavaca Financial Education provides educational content and resources related to personal finance. Our services are for educational purposes only and do not constitute financial advice. We are not a financial advisory service, and no content on our website should be considered as financial advice.

Account Registration

To access certain features of the Service, you may be required to create an account. You are responsible for maintaining the confidentiality of your account information, including your password, and for all activities that occur under your account.

Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Bumuge Bavaca Financial Education and its licensors. The Service is protected by copyright, trademark, and other laws of both Canada and foreign countries.

User Content

Our Service allows you to post, link, store, share, and otherwise make available certain information, text, or other material. You are responsible for the content that you post on or through the Service, including its legality, reliability, and appropriateness.

Payments and Refunds

Fees

Certain aspects of the Service are provided for a fee. You agree to pay all applicable fees in connection with your use of the Service.

Refund Policy

We offer a 14-day money-back guarantee for all our educational programs. If you are not satisfied with your purchase, you may request a full refund within 14 days of your purchase date.

Prohibited Uses

You may use the Service only for lawful purposes and in accordance with these Terms. You agree not to use the Service:

Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. Bumuge Bavaca Financial Education makes no representations or warranties of any kind, express or implied, as to the operation of the Service or the information, content, or materials included therein.

Limitation of Liability

In no event shall Bumuge Bavaca Financial Education, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.

Indemnification

You agree to defend, indemnify, and hold harmless Bumuge Bavaca Financial Education and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses, resulting from or arising out of your use and access of the Service, or a breach of these Terms.

Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.

Governing Law

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

Contact Us

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

Bumuge Bavaca Financial Education
123 Financial District St
Toronto, ON M5X 1A1
Canada
Email: legal@bumuge-bavaca.sbs
Phone: +1 4376418802

Important Disclaimer

The information provided by Bumuge Bavaca is for educational purposes only and should not be considered financial advice. We are not financial advisors, and our educational programs do not constitute financial advice or recommendations. The results of implementing any strategies discussed in our programs will vary based on individual circumstances. We encourage you to consult with a qualified financial professional before making any financial decisions.

While we make every effort to ensure the accuracy of our information, we cannot guarantee that all information is completely current or applicable to your specific situation. Past performance of any investment strategy is not indicative of future results.