Terms of Service

Last Updated: November 15, 2023

Please read these Terms of Service ("Terms," "Terms of Service") carefully before using the yihaza-siwere.sbs website (the "Service") operated by Yihaza Siwere Financial Construct ("us," "we," or "our").

1. Acceptance of Terms

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the Service.

2. Description of Service

Yihaza Siwere Financial Construct provides financial education services, including online courses, coaching sessions, and educational materials related to personal finance management, budgeting, debt reduction, and financial planning.

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.

4. Payment Terms

Fees for our services are as listed on our website. All fees are in Canadian dollars. Payment must be made in full before access to paid services is granted. We use third-party payment processors to handle all financial transactions.

5. Refund Policy

We offer a 30-day money-back guarantee for all our programs. To request a refund, you must complete the program materials and demonstrate that you implemented the strategies as instructed without achieving the promised results.

6. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Yihaza Siwere Financial Construct and its licensors. Our trademarks may not be used in connection with any product or service without our prior written consent.

7. User Conduct

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Submit false or misleading information
• Engage in unauthorized framing or linking to the Service
• Upload or transmit viruses or other malicious code
• Interfere with or disrupt the Service

8. Disclaimer of Financial Advice

The information provided through our Service is for educational purposes only and does not constitute financial advice. We are not financial advisors, and our services should not be considered as a substitute for professional financial advice.

9. Limitation of Liability

In no event shall Yihaza Siwere Financial Construct, 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. 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. Upon termination, your right to use the Service will immediately cease.

11. 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.

12. Changes to Terms

We reserve the right, at our sole discretion, 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:

Yihaza Siwere Financial Construct
123 Financial District Blvd
Toronto, ON M5X 1A9
Canada
Email: legal@yihaza-siwere.sbs
Phone: +1 4379153283