Terms of Service
Last updated: November 15, 2023
Welcome to Jojene Suzawa Financial Cybernetics. These Terms of Service govern your access to and use of our financial education programs, website, and related services. By accessing our services, you agree to comply with these terms.
1. Acceptance of Terms
By registering for our programs or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use our services.
2. Service Description
Jojene Suzawa Financial Cybernetics provides educational content and resources related to personal finance management, including:
- Budgeting techniques and strategies
- Expense management systems
- Financial literacy educational materials
- Debt reduction methodologies
- Investment education resources
- Personalized coaching sessions (where applicable)
Our services are educational in nature and do not constitute financial advice.
3. User Registration
To access certain features, you may need to register an account. You agree to:
- Provide accurate and complete registration information
- Maintain the security of your account credentials
- Promptly update any changes to your information
- Accept responsibility for all activities under your account
- Notify us immediately of any unauthorized account use
4. Payment Terms
For paid programs and services:
- Fees are stated in Canadian dollars
- Payment is required before access to paid content
- We use secure third-party payment processors
- All sales are final unless otherwise stated in our refund policy
- We reserve the right to modify pricing with notice to current users
5. Intellectual Property
All content provided through our services, including:
- Text materials and workbooks
- Video and audio content
- Software and applications
- Graphics, logos, and design elements
- Methodologies and system frameworks
is the property of Jojene Suzawa Financial Cybernetics or our licensors and is protected by copyright and other intellectual property laws.
6. User Conduct
While using our services, you agree not to:
- Violate any applicable laws or regulations
- Infringe upon the rights of others
- Engage in unauthorized use of our content
- Attempt to disrupt or compromise our systems
- Share your account access with unauthorized users
- Use our services for any illegal or unauthorized purpose
7. Disclaimer of Financial Advice
Jojene Suzawa Financial Cybernetics provides educational information only. We do not:
- Provide personalized financial advice
- Recommend specific investments
- Guarantee specific financial outcomes
- Act as financial advisors or planners
You are solely responsible for your financial decisions and should consult with qualified professionals before making financial commitments.
8. Limitation of Liability
To the fullest extent permitted by law, Jojene Suzawa Financial Cybernetics shall not be liable for:
- Any indirect, incidental, or consequential damages
- Loss of profits, data, or opportunities
- Financial losses resulting from application of our educational content
- Errors or omissions in our educational materials
9. Termination
We may suspend or terminate your access to our services:
- For violation of these Terms of Service
- For fraudulent or abusive activities
- Upon request by legal authorities
- For any other reason that threatens the security of our systems
10. Governing Law
These Terms of Service are governed by the laws of the Province of Ontario and the federal laws of Canada. Any disputes shall be resolved in the courts of Toronto, Ontario.
11. Changes to Terms
We reserve the right to modify these terms at any time. Continued use of our services after changes constitutes acceptance of the modified terms.
12. Contact Information
For questions about these Terms of Service, contact us at:
Email: legal@jojene-suzawa.sbs
Address: 123 Cyber Avenue, Toronto, ON M5V 2T6, Canada
Phone: +1 4376047288