Terms of Service

Last Updated: November 15, 2023

Welcome to Hojovo Gisece Financial Advisory. 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.

Services Description

Hojovo Gisece Financial Advisory provides financial education services including but not limited to budgeting guidance, expense tracking systems, debt management strategies, investment basics, home ownership planning, and retirement readiness programs. Our services are educational in nature and do not constitute financial advice.

Eligibility

To use our services, you must be at least 18 years of age and reside in Canada. By using our services, you represent and warrant that you meet all eligibility requirements.

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 credentials and for all activities that occur under your account.

Intellectual Property Rights

All content included on our website and as part of our services, such as text, graphics, logos, images, and software, is the property of Hojovo Gisece Financial Advisory or its content suppliers and protected by Canadian and international copyright laws.

User Conduct

You agree not to use our services to:

Payment Terms

Fees for our services are as listed on our website. All payments are due upon purchase unless otherwise agreed in writing. We reserve the right to change our fees at any time with notice to current subscribers.

Cancellation and Refund Policy

You may cancel your subscription at any time through your account settings. Refunds are provided in accordance with our refund policy as detailed during the purchase process.

Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, secure, or error-free.

Limitation of Liability

To the fullest extent permitted by law, Hojovo Gisece Financial Advisory shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services.

Indemnification

You agree to indemnify and hold harmless Hojovo Gisece Financial Advisory and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of our services or violation of these Terms.

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 may modify these Terms at any time. We will provide notice of significant changes through our website or by email. Your continued use of our services after such changes constitutes acceptance of the modified Terms.

Contact Information

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

Hojovo Gisece Financial Advisory
123 Financial District Blvd
Toronto, ON M5X 1A1
Canada
Phone: +1 4371857433
Email: legal@hojovo-gisece.sbs

Disclaimer: Hojovo Gisece provides financial education services, not financial advice. Our programs are educational in nature and are not a substitute for professional financial advice tailored to your individual circumstances. We do not guarantee specific financial outcomes, as results depend on individual implementation of strategies learned. Past performance of strategies discussed is not indicative of future results. Always consult with a qualified financial advisor before making investment decisions.