Terms of Service
Last Updated: November 15, 2023
Please read these Terms of Service ("Terms," "Terms of Service") carefully before using the Kidiko Xudema website and services operated by us.
1. Agreement to 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. Description of Service
Kidiko Xudema provides financial education services, including but not limited to budgeting tools, financial planning resources, educational content, and personalized financial guidance. Our services are educational in nature and do not constitute financial advice.
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.
4. Subscription and Payment
Some parts of our service are billed on a subscription basis. You will be billed in advance on a recurring and periodic basis. All payments are processed through secure third-party payment processors.
5. Free Trial
We may offer a free trial for our services. You will not be charged until the free trial period expires. On the last day of the free trial period, you will be automatically charged the applicable fees for the chosen plan.
6. Fee Changes
We may change our subscription fees at any time. We will provide you with reasonable notice of any fee changes before they become effective.
7. Refunds
We offer refunds under certain conditions as outlined in our Refund Policy. Please contact our support team for refund requests.
8. Content
Our service allows you to post, link, store, share, and otherwise make available certain information. You are responsible for the content that you post on or through the service.
9. 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 law or regulation
- To engage in any fraudulent or deceptive activities
- To transmit any advertising or promotional material
- To impersonate or attempt to impersonate the company or another user
- To interfere with or disrupt the service or servers
10. Intellectual Property
The service and its original content, features, and functionality are and will remain the exclusive property of Kidiko Xudema and its licensors. Our trademarks may not be used in connection with any product or service without prior written consent.
11. Disclaimer of Financial Advice
The information provided through our service is for educational purposes only and should not be considered financial advice. We are not financial advisors, and you should consult with a qualified financial professional before making any financial decisions.
12. Limitation of Liability
In no event shall Kidiko Xudema, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages resulting from your use of our services.
13. Termination
We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
14. 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.
15. 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.
16. Contact Information
If you have any questions about these Terms, please contact us at:
Kidiko Xudema
123 Financial Drive, Toronto, ON M5X 1A1
Email: legal@kidiko-xudema.sbs
Phone: +1 4373200230