Terms of Service

Last Updated: November 15, 2023

Please read these Terms of Service carefully before using the services offered by Cerefi Xafavi. These terms govern your access to and use of our financial education programs, website, and related services.

Acceptance of Terms

By accessing or using our services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you may not use our services.

Services Description

Cerefi Xafavi provides financial education programs focusing on budgeting, expense management, and financial planning. Our services include:

• Educational courses and materials
• Coaching and consultation sessions
• Digital tools and resources
• Community support forums
• Progress tracking and assessment
• Personalized financial guidance

Registration and Account Security

To access certain features, you must register for an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your password
• Promptly update any information to keep it accurate
• Be responsible for all activities under your account
• Notify us immediately of any unauthorized use
• Maintain only one active account

Payment Terms

Fees for our services are as described on our website. By purchasing our services, you agree to:

• Pay all charges at the prices in effect
• Pay all applicable taxes
• Provide valid payment information
• Authorize us to charge your payment method

Refund Policy

We offer a 30-day money-back guarantee for our programs. To be eligible for a refund:

• You must complete the first module of the program
• You must submit a written refund request
• You must demonstrate engagement with the materials
• No refunds are available after 30 days from purchase

Intellectual Property Rights

All content included in our services, including text, graphics, logos, and software, is the property of Cerefi Xafavi or its content suppliers and protected by copyright laws. You may not:

• Reproduce, duplicate, or copy materials
• Distribute or sell our content without authorization
• Create derivative works based on our materials
• Remove any copyright or proprietary notices
• Use our content for commercial purposes without permission
• Share your account access with others

User Conduct

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

• Violating any applicable laws or regulations
• Infringing upon our intellectual property rights
• Harassing, abusing, or harming another person
• Providing false or misleading information
• Interfering with or disrupting our services
• Attempting to bypass any security measures

Disclaimer of Warranties

Our services are provided "as is" without warranties of any kind. We do not guarantee that:

• The services will meet your specific requirements
• The services will be uninterrupted or error-free
• The results from using our services will be effective
• The quality of services will meet your expectations
• Any errors will be corrected

Limitation of Liability

In no event shall Cerefi Xafavi be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability shall not exceed the amount you paid for services in the past six months.

Termination

We may terminate or suspend your account and access to our services at our sole discretion, without notice, for conduct that we believe violates these Terms of Service or is harmful to other users, us, or third parties.

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.

Changes to Terms

We reserve the right to modify these terms at any time. We will provide notice of significant changes through our website or by email. Your 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 at:

Cerefi Xafavi
123 Financial District Blvd
Toronto, ON M5X 1A9
Canada
Email: legal@cerefi-xafavi.sbs
Phone: +1 4376441236