Terms of Service

Last Updated: November 15, 2023

Welcome to Lepa Finance. These Terms of Service govern your use of our website and services. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using the Lepa Finance website and services, 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. Services Description

Lepa Finance provides financial education services, including but not limited to budgeting guidance, expense management strategies, debt reduction planning, and investment education. Our services are educational in nature and do not constitute financial advice.

3. User Accounts

To access certain features of our services, you may be required to create a user account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Account Creation

When creating an account, you must provide accurate and complete information. You must be at least 18 years old to create an account and use our services.

Account Security

You are responsible for safeguarding your password and for any activities or actions under your account. You agree to notify us immediately of any unauthorized use of your account.

4. Payment Terms

Certain services offered by Lepa Finance require payment. By purchasing these services, you agree to pay all applicable fees as described in the service description.

Billing

Fees are billed in advance on a recurring basis (monthly or annually) unless otherwise stated. You authorize us to charge your chosen payment provider for the applicable fees.

Refunds

We offer a 14-day money-back guarantee for most of our educational programs. Refund requests must be submitted in writing to our support team within the guarantee period.

5. Intellectual Property Rights

All content included on our website and as part of our services, including text, graphics, logos, images, audio clips, digital downloads, and software, is the property of Lepa Finance or its content suppliers and is protected by international copyright laws.

License Grant

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use our services for your personal, non-commercial purposes.

Restrictions

You may not copy, reproduce, distribute, transmit, broadcast, display, sell, license, or otherwise exploit any content for any other purposes without the prior written consent of Lepa Finance.

6. User Conduct

As a condition of your use of our services, you warrant that you will not use the services for any purpose that is unlawful or prohibited by these Terms.

Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Copying, distributing, or disclosing any part of the service in any medium
• Using any automated system to access the service in a manner that sends more request messages than a human could reasonably produce
• Transmitting spam, chain letters, or other unsolicited email
• Attempting to interfere with, compromise the system integrity or security, or decipher any transmissions
• Taking any action that imposes an unreasonable load on our infrastructure
• Uploading invalid data, viruses, worms, or other software agents
• Collecting or harvesting any personally identifiable information
• Using the service for any commercial solicitation purposes
• Impersonating another person or otherwise misrepresenting your affiliation with a person or entity
• Interfering with the proper working of the service
• Accessing any content through any technology or means other than those provided by the service

7. Disclaimer of Financial Advice

The information provided through Lepa Finance services is for educational purposes only and should not be considered financial advice. We are not licensed financial advisors, and the information provided does not constitute financial, investment, or legal advice.

You should consult with a qualified financial professional before making any financial decisions. Your use of any information or materials provided through our services is entirely at your own risk, for which we shall not be liable.

8. Limitation of Liability

In no event shall Lepa Finance, its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to 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 services
• Any conduct or content of any third party on the services
• Any content obtained from the services
• Unauthorized access, use, or alteration of your transmissions or content

9. 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 the Terms.

Upon termination, your right to use the services will immediately cease. If you wish to terminate your account, you may simply discontinue using the services.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of Canada and the province of Ontario, without regard to its conflict of law provisions.

11. 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.

12. Contact Information

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

Email: legal@lepapi-zovika.sbs

Address: 123 Financial District, Toronto, ON M5X 1A9, Canada