Terms of Service

Last Updated: October 15, 2023

Welcome to Zenoya Podipo! 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 Zenoya Podipo's 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. Description of Services

Zenoya Podipo provides financial education services including online courses, workshops, coaching sessions, and educational materials related to personal finance management, budgeting, debt management, and investment education.

3. User Accounts

To access certain features of our services, you may need to create a user account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Payment Terms

Some of our services require payment. By purchasing these services, you agree to pay all applicable fees. All fees are non-refundable except as required by law or as otherwise stated in our refund policy.

5. Intellectual Property

All content included on our platform, such as text, graphics, logos, images, course materials, and software, is the property of Zenoya Podipo or its content suppliers and protected by copyright and other intellectual property laws.

6. User Conduct

You agree not to use our services to:

• Violate any applicable law or regulation
• Infringe upon the rights of others
• Post or transmit any malicious or harmful content
• Interfere with or disrupt our services or servers
• Attempt to gain unauthorized access to any part of our services
• Impersonate any person or entity

7. Disclaimer of Warranties

Our services are provided "as is" without warranties of any kind, either express or implied. Zenoya Podipo does not guarantee that the services will meet your requirements or be available on an uninterrupted, secure, or error-free basis.

8. Limitation of Liability

To the maximum extent permitted by law, Zenoya Podipo shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly.

9. Indemnification

You agree to indemnify and hold harmless Zenoya Podipo and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of our services or violation of these terms.

10. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms of Service.

11. Governing Law

These Terms 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.

12. Changes to Terms

We reserve the right 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.

13. Contact Information

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

Zenoya Podipo
123 Financial District
Toronto, ON M5X 1A9
Email: legal@zenoya-podipo.sbs
Phone: +1 4378776031