Terms of Service

Last Updated: November 15, 2023

Welcome to Tinivu Covile Financial. 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.

1. Acceptance of Terms

By accessing or using the Tinivu Covile Financial website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Services Description

Tinivu Covile Financial provides educational resources, courses, and materials related to personal finance management, budgeting, and financial literacy. Our services are intended for educational purposes only and do not constitute financial advice.

3. User Accounts

3.1 Account Creation

To access certain features of our services, you may need to create a user account. You agree to provide accurate and complete information during the registration process and to keep this information updated.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

3.3 Account Termination

We reserve the right to suspend or terminate your account at our discretion if we believe you have violated these Terms of Service or applicable laws.

4. Payment Terms

4.1 Fees

Access to certain services requires payment of fees. All fees are stated in Canadian dollars and are non-refundable except as required by law or as specifically stated in our refund policy.

4.2 Payment Methods

We accept various payment methods as indicated on our website. By providing payment information, you represent that you are authorized to use the payment method.

4.3 Price Changes

We reserve the right to change our pricing at any time. Price changes will not affect purchases that have already been completed.

5. Intellectual Property

5.1 Our Content

All content provided through our services, including text, graphics, logos, images, and software, is the property of Tinivu Covile Financial or our licensors and is protected by copyright and other intellectual property laws.

5.2 License Grant

Subject to your compliance with these terms, we grant you a limited, non-exclusive, non-transferable license to access and use our services for your personal, non-commercial use.

5.3 Restrictions

You may not copy, reproduce, distribute, transmit, broadcast, display, sell, license, or otherwise exploit any content from our services without prior written consent from us.

6. User Conduct

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

7. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, timely, secure, or error-free.

The educational content we provide is for informational purposes only and does not constitute financial advice. You should consult with a qualified financial professional before making any financial decisions.

8. Limitation of Liability

To the fullest extent permitted by law, Tinivu Covile Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses resulting from:

9. Indemnification

You agree to defend, indemnify, and hold harmless Tinivu Covile Financial and its employees, contractors, agents, officers, and directors from any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses arising from:

10. 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, without regard to its conflict of law provisions.

11. Dispute Resolution

Any dispute arising from these Terms of Service or your use of our services shall be resolved through binding arbitration in Toronto, Ontario, rather than in court. You agree to waive your right to a jury trial and to participate in a class-action lawsuit.

12. Changes to Terms

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

13. Contact Information

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

Tinivu Covile Financial
123 Financial District, Suite 400
Toronto, ON M5X 1A9
Canada
Email: legal@tinivu-covile.sbs
Phone: +1 4372216024

Disclaimer: The information provided by Tinivu Covile Financial is for educational purposes only and should not be considered financial advice. We are not certified financial planners, advisors, or registered investment advisors. The information presented is not intended to replace professional financial advice. Individual results may vary based on personal circumstances, and we cannot guarantee specific outcomes or financial success. Always consult with a qualified financial professional before making any financial decisions or implementing any strategy.