Terms of Service

Last Updated: November 15, 2023

Please read these Terms of Service ("Terms," "Terms of Service") carefully before using the rafowi-sawibu.sbs website (the "Service") operated by Rafowi Sawibu Financial ("us," "we," or "our").

Agreement to 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.

Educational Purpose Only

Our Service provides financial education and information. We are not a financial advisory service, and the information provided should not be construed as financial advice. You should consult with a qualified financial professional before making any financial decisions.

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.

Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Rafowi Sawibu Financial and its licensors. The Service is protected by copyright, trademark, and other laws of both Canada and foreign countries.

Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by Rafowi Sawibu Financial. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will immediately cease.

Limitation of Liability

In no event shall Rafowi Sawibu Financial, 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.

Disclaimer

Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

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.

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:

Rafowi Sawibu Financial
123 Financial District Rd
Toronto, ON M5J 2T3
Canada
Email: legal@rafowi-sawibu.sbs
Phone: +1 4377568110