1. Acceptance of Terms

By accessing and using the zephoralinto platform at zephoralinto.world, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and zephoralinto, a financial education platform operating in Canada. If you do not agree with any part of these terms, you must not use our services.

Your continued use of our platform following any modifications to these terms constitutes acceptance of such changes. We reserve the right to modify these terms at any time, and such modifications will be effective immediately upon posting on our website.

2. Description of Services

zephoralinto provides educational resources, courses, and tools related to personal finance, investment principles, and financial literacy. Our platform offers various learning materials including written content, interactive modules, and educational assessments designed to enhance your understanding of financial concepts.

Service Limitations

Our services are available to users who meet specific eligibility criteria. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. Service availability may vary based on your location and local regulations.

3. User Obligations and Conduct

As a user of zephoralinto's platform, you agree to use our services responsibly and in compliance with all applicable laws and regulations. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Intellectual Property Rights

All content on the zephoralinto platform, including text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of zephoralinto or its content suppliers and is protected by Canadian and international copyright laws. The compilation of all content on this site is the exclusive property of zephoralinto.

User Content License

When you submit content to our platform, including comments, feedback, or other materials, you grant zephoralinto a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, adapt, publish, translate, and distribute such content in connection with our services. You represent that you have all necessary rights to grant this license.

You may access and download materials from our platform for personal, non-commercial use only, provided you maintain all copyright and other proprietary notices. Any unauthorized use of our content may violate copyright, trademark, and other laws.

5. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which forms an integral part of these Terms of Use. By using our platform, you consent to the collection and use of your information as described in our Privacy Policy.

You have the right to access, update, or delete your personal information in accordance with applicable privacy laws. For questions about our data practices, please contact our privacy team using the information provided at the end of these terms.

6. Payment Terms and Refund Policy

Certain features of our platform may require payment. All fees are stated in Canadian dollars unless otherwise specified. Payment is due immediately upon enrollment in paid services, and we accept various payment methods as indicated during the checkout process.

Refund Conditions

We offer a 30-day refund period for most paid services, calculated from the date of purchase. Refund requests must be submitted through our customer support system and may be subject to certain conditions. Refunds are processed using the original payment method within 5-10 business days of approval.

7. Disclaimers and Limitation of Liability

zephoralinto provides educational content "as is" without warranties of any kind, either express or implied. We do not guarantee that our platform will be uninterrupted, error-free, or completely secure. Your use of our services is at your own risk.

To the maximum extent permitted by law, zephoralinto shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our platform or any content thereon. This includes, but is not limited to, financial losses, data loss, or business interruption.

8. Termination

Either party may terminate this agreement at any time. You may stop using our services and close your account at any time by contacting our support team. We reserve the right to suspend or terminate your access to our platform immediately, without prior notice, for any violation of these terms or for any other reason we deem appropriate.

Upon termination, your right to use our platform ceases immediately. However, provisions regarding intellectual property, disclaimers, and limitations of liability shall survive termination. We may retain certain information as required by law or for legitimate business purposes.

9. Governing Law and Dispute Resolution

These Terms of Use are governed by and construed in accordance with the laws of Alberta, Canada, without regard to conflict of law principles. Any disputes arising from these terms or your use of our platform shall be subject to the exclusive jurisdiction of the courts of Alberta.

Before pursuing formal legal action, we encourage users to contact our support team to resolve disputes amicably. We are committed to addressing user concerns promptly and fairly through direct communication whenever possible.

10. Miscellaneous Provisions

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision of these terms shall not constitute a waiver of such right or provision.

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and zephoralinto regarding your use of our platform. No other agreements, representations, or warranties exist unless specifically stated in writing and signed by authorized representatives of zephoralinto.

We may assign our rights and obligations under these terms to any third party without your consent. However, you may not assign your rights or obligations under these terms without our prior written consent.