Terms of Service
Last Updated: November 15, 2023
Please read these Terms of Service carefully before using the Zabaci Dumaju website and services operated by Zabaci Dumaju Inc.
1. Agreement to Terms
By accessing or using our services, you agree to be bound by these Terms of Service and our Privacy Policy. If you disagree with any part of the terms, you may not access our services.
2. Educational Services
Zabaci Dumaju provides financial education services including but not limited to:
- Online courses and learning materials
- Educational resources and tools
- Workshops and webinars
- Coaching and consultation services
Our services are educational in nature and do not constitute financial advice. We are not a financial advisory service and do not provide personalized financial recommendations.
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, and for restricting access to your computer or device.
You agree to accept responsibility for all activities that occur under your account or password. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.
4. Course Access and License
Upon payment of applicable fees, we grant you a limited, non-exclusive, non-transferable license to access and use the purchased courses for your personal, non-commercial use.
This license does not include:
- Resale or commercial use of any course materials
- Distribution, public performance, or public display of any course materials
- Modifying or making derivative works of any course materials
- Any use of the course materials other than for their intended educational purpose
5. Payment Terms
Fees for our services are as stated on our website. All fees are in Canadian dollars and are exclusive of applicable taxes.
We use third-party payment processors to handle all financial transactions. By providing a payment method, you represent that you are authorized to use the payment method and authorize us to charge your payment method for the total amount of your purchase.
6. Refund Policy
We offer a 30-day money-back guarantee for all course purchases. If you are unsatisfied with your purchase for any reason, you may request a full refund within 30 days of your purchase date.
To request a refund, please contact our customer support team with your purchase details. Refunds will be processed to the original payment method within 7-10 business days.
7. Intellectual Property Rights
All content included on our platform, such as text, graphics, logos, images, audio clips, video clips, digital downloads, data compilations, and software, is the property of Zabaci Dumaju or its content suppliers and protected by international copyright laws.
The compilation of all content on this site is the exclusive property of Zabaci Dumaju and protected by international copyright laws.
8. User Conduct
You agree not to use our services to:
- Violate any applicable laws or regulations
- Infringe upon the rights of others
- Submit false or misleading information
- Upload or transmit viruses or other malicious code
- Interfere with or disrupt the integrity or performance of our services
- Attempt to gain unauthorized access to our systems or networks
- Harass, abuse, or harm another person
- Collect or track the personal information of others
9. Disclaimer of Warranties
Our services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not guarantee that our services will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected.
10. Limitation of Liability
In no event shall Zabaci Dumaju, 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 services
- Any conduct or content of any third party on the services
- Any unauthorized access to or use of our servers and/or any personal information stored therein
- Any interruption or cessation of transmission to or from our services
- Any bugs, viruses, Trojan horses, or the like that may be transmitted to or through our services
11. Indemnification
You agree to defend, indemnify, and hold harmless Zabaci Dumaju and its affiliates, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Service or your use of our services.
12. 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.
Any legal action or proceeding relating to your access to or use of our services shall be instituted in the courts of the Province of Ontario.
13. 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.
By continuing to access or use our services after any revisions become effective, you agree to be bound by the revised terms.
14. Contact Information
If you have any questions about these Terms of Service, please contact us at:
Zabaci Dumaju Inc.
123 Financial District
Toronto, ON M5X 1A9
Canada
Email: legal@zabaci-dumaju.sbs
Phone: +1 4379965308