Terms of Service

Last Updated: November 15, 2023

Welcome to Fixogo XoHiba! These Terms of Service govern your use of our website and services. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By registering for, accessing, or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these Terms, you may not access or use our services.

2. Educational Services

Fixogo XoHiba provides educational content related to personal finance management. Our services include:

• Online courses and learning materials
• Financial planning tools and worksheets
• Community forums and discussion boards
• Email support and coaching sessions (where applicable)

We reserve the right to modify, suspend, or discontinue any part of our services at any time without prior notice.

3. User Accounts

To access certain features of our services, you must create a user 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 services require payment of fees. You agree to pay all applicable fees as described on the site when you register for a paid service.

• All fees are quoted in Canadian Dollars (CAD)
• Fees are non-refundable except as required by law or as otherwise stated in our refund policy
• We may change our fees at any time by posting new prices on our website
• You are responsible for any taxes applicable to your use of our services

5. Intellectual Property Rights

All content included on our platform, such as text, graphics, logos, images, videos, course materials, and software, is the property of Fixogo XoHiba or its content suppliers and protected by copyright laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our services for your personal, non-commercial use. You agree not to reproduce, duplicate, copy, sell, resell, or exploit any portion of the service without our express written permission.

6. User Conduct

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

• Copying, distributing, or disclosing any part of the service in any medium
• Using any automated system to access the service in a manner that sends more request messages than a human could reasonably produce
• Transmitting spam, chain letters, or other unsolicited email
• Attempting to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running the service
• Taking any action that imposes an unreasonable load on our infrastructure
• Uploading invalid data, viruses, worms, or other software agents
• Collecting or harvesting any personally identifiable information from the service
• Using the service for any commercial solicitation purposes
• Impersonating another person or otherwise misrepresenting your affiliation with a person or entity
• Interfering with the proper working of the service
• Accessing any content on the service through any technology or means other than those provided by us

7. Disclaimer of Financial Advice

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

You should consult with a qualified financial professional before making any financial decisions or implementing any financial strategy. We do not guarantee any specific results from the application of information learned through our services.

8. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Fixogo XoHiba, 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 services.

9. 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, without regard to its conflict of law provisions.

10. 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. What constitutes a material change will be determined at our sole discretion.

11. Contact Information

If you have any questions about these Terms, please contact us at:

Fixogo XoHiba
123 Yonge St, Toronto, ON M5C 1W4, Canada
Email: legal@fixogo-xohiba.sbs
Phone: +1 4370469181