Terms of Service
Last Updated: November 15, 2023
Please read these Terms of Service ("Terms") carefully before using the Xakado Xikuju website and services operated by us.
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.
Eligibility
You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you are of legal age to form a binding contract.
Services Description
Xakado Xikuju provides financial education services including:
- Budgeting and expense management courses
- Debt reduction strategies and planning
- Investment education and fundamentals
- Financial literacy resources and materials
- Personalized financial coaching services
Our services are educational in nature and do not constitute financial advice.
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.
Fees and Payment
Certain aspects of our services may be provided for a fee. You agree to pay all applicable fees as described in our pricing information.
Intellectual Property
The Service and its original content, features, and functionality are owned by Xakado Xikuju and are protected by international copyright, trademark, and other intellectual property laws.
User Content
You retain all rights to any content you submit, post, or display on or through our services. By submitting content, you grant us a license to use that content.
Prohibited Uses
You may use our services only for lawful purposes and in accordance with these Terms. You agree not to use our services:
- In any way that violates any applicable law or regulation
- To engage in any fraudulent or deceptive activities
- To transmit advertising or promotional material without consent
- To impersonate or attempt to impersonate the company or employees
- To interfere with or disrupt the service or servers
Disclaimer of Warranties
Our services are provided on an "AS IS" and "AS AVAILABLE" basis. We disclaim all warranties of any kind, whether express or implied.
Limitation of Liability
In no event shall Xakado Xikuju be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services.
Indemnification
You agree to defend, indemnify, and hold harmless Xakado Xikuju from any claims, liabilities, damages, judgments, and expenses arising from your use of our services.
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.
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.
Contact Information
If you have any questions about these Terms, please contact us at:
Xakado Xikuju
123 Financial District
Toronto, ON M5X 1A1
Email: legal@xakado-xikuju.sbs
Phone: +1 4379548272