Terms of Service

Last Updated: November 15, 2023

Please read these Terms of Service ("Terms," "Terms of Service") carefully before using the Xirugi Wavela website and mobile application (the "Service") operated by Xirugi Wavela ("us," "we," or "our").

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.

Description of Service

Xirugi Wavela provides educational content, tools, and resources related to personal finance management. Our services include but are not limited to:

User Accounts

When you create an account with us, you must provide accurate, complete, and current information. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password. You agree not to disclose your password to any third party.

Subscription and Payments

Some parts of the Service are billed on a subscription basis ("Subscription(s)"). You will be billed in advance on a recurring and periodic basis ("Billing Cycle"). Billing cycles are set on a monthly or annual basis.

At the end of each Billing Cycle, your Subscription will automatically renew under the exact same conditions unless you cancel it or Xirugi Wavela cancels it.

A valid payment method, including credit card or PayPal, is required to process the payment for your Subscription. You shall provide Xirugi Wavela with accurate and complete billing information.

Free Trial

Xirugi Wavela may, at its sole discretion, offer a Subscription with a free trial for a limited period of time ("Free Trial").

You may be required to enter your billing information to sign up for the Free Trial. If you do not cancel your Subscription before the end of the Free Trial period, you will be automatically charged the applicable subscription fees.

Fee Changes

Xirugi Wavela, in its sole discretion and at any time, may modify the Subscription fees. Any Subscription fee change will become effective at the end of the then-current Billing Cycle.

Xirugi Wavela will provide you with reasonable prior notice of any change in Subscription fees to give you an opportunity to terminate your Subscription before such change becomes effective.

Refunds

Certain refund requests for Subscriptions may be considered by Xirugi Wavela on a case-by-case basis and granted at the sole discretion of Xirugi Wavela.

Intellectual Property

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

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Xirugi Wavela.

User Content

Our Service allows you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material ("Content"). You are responsible for the Content that you post on or through the Service, including its legality, reliability, and appropriateness.

By posting Content on or through the Service, you represent and warrant that: (i) the Content is yours (you own it) and/or you have the right to use it and the right to grant us the rights and license as provided in these Terms, and (ii) that the posting of your Content on or through the Service does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person.

Prohibited Uses

You may use the Service only for lawful purposes and in accordance with these Terms. You agree not to use the Service:

Disclaimer of Financial Advice

The information provided on the Xirugi Wavela platform is for educational and informational purposes only and should not be construed as professional financial advice. We are not financial advisors, and the information provided is not a substitute for financial advice from a qualified professional.

You should consult with a qualified financial professional before making any financial decisions or implementing any financial strategy.

Limitation of Liability

In no event shall Xirugi Wavela, 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.

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.

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.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

Contact Us

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

Xirugi Wavela
123 Financial District
Toronto, ON M5X 1A9, Canada
Email: legal@xirugi-wavela.sbs
Phone: +1 4371589245

Disclaimer: Xirugi Wavela provides educational content and tools for personal finance management. We are not financial advisors, and our content should not be construed as financial advice. The information provided is for educational purposes only. We recommend consulting with a qualified financial advisor before making any investment decisions or significant financial changes. Past performance is not indicative of future results.