Terms of Service

Last Updated: November 28, 2023

Please read these Terms of Service ("Terms," "Terms of Service") carefully before using the https://satujo-najase.sbs website and the Satujo Najase Financial Education services (collectively, "Service") operated by Satujo Najase Financial Education ("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. Educational Nature of Services

Our Service provides financial education and coaching. We are not a financial advisory service, and our content should not be considered financial advice. The information provided is for educational purposes only and does not constitute investment, tax, or legal 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, including but not limited to restricting access to your computer and account.

4. Payment Terms

Fees for our services are as listed on our website. You agree to pay all charges at the prices then in effect for your purchases. All payments must be made in advance. We reserve the right to change our pricing at any time.

5. Refund Policy

Due to the digital nature of our educational products, we offer a 14-day money-back guarantee from the date of purchase. To request a refund, please contact our customer service team with your purchase details.

6. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Satujo Najase Financial Education 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 law or regulation
• Infringe upon the rights of others
• Engage in any harassing, threatening, intimidating, or predatory behavior
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any portion of the Service

8. Disclaimer of Warranties

Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. We disclaim all warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability

In no event shall Satujo Najase Financial Education, 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. Indemnification

You agree to defend, indemnify and hold harmless Satujo Najase Financial Education and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses resulting from or arising out of your use and access of the Service.

11. 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.

12. 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. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

13. Contact Information

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

Satujo Najase Financial Education
123 Financial District Blvd
Toronto, ON M5X 1A1
Canada
Phone: +1 4376996013
Email: legal@satujo-najase.sbs