TERMS OF SERVICE
Last Updated: November 15, 2023
Please read these Terms of Service ("Terms," "Terms of Service") carefully before using the Winamo Ralido website and financial education services operated by Winamo Ralido ("us," "we," or "our").
1. ACCEPTANCE OF TERMS
By accessing or using our services, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access our services.
2. SERVICE DESCRIPTION
Winamo Ralido provides financial education services including but not limited to:
- Online courses and educational materials on personal finance
- Budgeting tools and expense tracking resources
- Financial coaching and consultation services
- Educational content through various media formats
3. USER REGISTRATION
To access certain features of our services, you may be required to register for an account. You agree to:
- Provide accurate, current, and complete information during registration
- Maintain and promptly update your account information
- Maintain the security of your password and accept all risks of unauthorized access
- Notify us immediately of any unauthorized use of your account
- Be responsible for all activities that occur under your account
4. PAYMENT TERMS
Certain aspects of our service may be provided for a fee. By purchasing our services, you agree to:
- Pay all applicable fees as described in the service offering
- Provide valid payment information and keep it updated
- Authorize us to charge your payment method for all applicable fees
Refund Policy
We offer a 30-day money-back guarantee for our educational programs. Refund requests must be submitted in writing to our support team and will be processed within 14 business days.
5. INTELLECTUAL PROPERTY
The Service and its original content, features, and functionality are and will remain the exclusive property of Winamo Ralido and its licensors. Our service is protected by copyright, trademark, and other laws of both Canada and foreign countries.
6. USER CONTENT
Our Service may allow you to post, link, store, share, and otherwise make available certain information, text, graphics, videos, or other material. You are responsible for the content that you post on or through the Service, including its legality, reliability, and appropriateness.
7. PROHIBITED USES
You may use our Service only for lawful purposes and in accordance with these Terms. You agree not to use the Service:
- In any way that violates any applicable federal, provincial, or international law or regulation
- To transmit, or procure the sending of, any advertising or promotional material without our prior written consent
- To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity
- To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service
8. DISCLAIMER OF FINANCIAL ADVICE
The information provided through our Service is for educational purposes only and should not be construed as financial advice. We are not financial advisors, and the information provided does not constitute financial, investment, or legal advice.
9. LIMITATION OF LIABILITY
In no event shall Winamo Ralido, 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.
10. 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.
11. CHANGES TO TERMS
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.
12. CONTACT INFORMATION
If you have any questions about these Terms, please contact us at:
Winamo Ralido
123 Financial District Blvd
Toronto, ON M5X 1A1
Canada
Email: legal@winamo-ralido.sbs
Phone: +1 4370735477