Terms of Service
Last Updated: November 15, 2023
Please read these Terms of Service ("Terms," "Terms of Service") carefully before using the Bovune Vocobi website and services operated by Bovune Vocobi ("us," "we," or "our").
Your access to and use of our services is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use our services.
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.
Educational Services
Bovune Vocobi provides financial education services, including but not limited to:
- Budgeting education and tools
- Expense tracking methodologies
- Financial literacy courses and materials
- Personal finance coaching sessions
- Educational resources and content
Our services are educational in nature and do not constitute financial advice. We are not financial advisors, and our services should not be considered as a substitute for professional financial advice.
Account Registration
To access certain features of our services, you may be required to create an account. When creating an account, you agree to:
- Provide accurate, current, and complete information
- 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
Payment Terms
Certain aspects of our services may be provided for a fee. By purchasing our services, you agree to:
- Pay all applicable fees as described in the service offering
- Provide accurate billing and payment information
- Authorize us to charge your chosen payment method for all applicable fees
All fees are stated in Canadian dollars (CAD) and are exclusive of applicable taxes. You are responsible for any taxes associated with your purchase.
Intellectual Property
The services and their original content, features, and functionality are and will remain the exclusive property of Bovune Vocobi and its licensors. Our services are protected by copyright, trademark, and other laws of both Canada and foreign countries.
You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our services without our prior written consent.
User Content
Our services may allow you to post, link, store, share, and otherwise make available certain information, text, graphics, videos, or other material ("User Content"). You are responsible for the User Content that you post on or through our services, including its legality, reliability, and appropriateness.
By posting User Content on or through our services, you grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such User Content on and through our services.
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 federal, provincial, local, or international law or regulation
- To transmit, or procure the sending of, any advertising or promotional material without our prior written consent
- To impersonate or attempt to impersonate Bovune Vocobi, a Bovune Vocobi employee, another user, or any other person or entity
- To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of our services
- To attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of our services
Termination
We may terminate or suspend your account and access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.
Upon termination, your right to use our services will immediately cease. If you wish to terminate your account, you may simply discontinue using our services.
Limitation of Liability
In no event shall Bovune Vocobi, 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 our services
- Any conduct or content of any third party on our services
- Any unauthorized access to or use of our servers and/or any personal information stored therein
- Any interruption or cessation of transmission to or from our services
- Any bugs, viruses, Trojan horses, or the like that may be transmitted to or through our services
Disclaimer
Your use of our services is at your sole risk. The services are provided on an "AS IS" and "AS AVAILABLE" basis. Bovune Vocobi makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
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. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
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.
Contact Us
If you have any questions about these Terms, please contact us at:
Bovune Vocobi
123 Yonge St, Toronto, ON M5C 1W4, Canada
Email: legal@bovune-vocobi.sbs
Phone: +1 4373221699