Terms of Service

Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Invenpanna Financial Coaching ("Company," "we," "us," or "our") regarding your use of our website at invenpanna.com and our financial coaching services.

By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

Description of Services

Invenpanna Financial Coaching provides financial education, coaching, and consultation services, including:

• Personal financial planning guidance
• Budget planning and management coaching
• Debt elimination strategies
• Investment and retirement planning education
• Financial literacy resources and content

Important Disclaimers

Not Financial Advice

Our services are educational and coaching in nature. We do not provide specific financial, investment, tax, or legal advice. All information and guidance provided should not be considered as personalized financial advice or recommendations to buy, sell, or hold any financial instruments.

Not Licensed Financial Advisors

Unless specifically stated otherwise, our coaches are not licensed financial advisors, investment advisors, or registered representatives. We recommend consulting with qualified licensed professionals for specific financial, investment, tax, or legal advice.

No Guarantees

We make no guarantees about specific financial outcomes or results. Financial success depends on many factors including your individual circumstances, market conditions, and adherence to financial principles.

User Responsibilities

By using our services, you agree to:

• Provide accurate and complete information
• Use our services for lawful purposes only
• Respect our intellectual property rights
• Not share login credentials with unauthorized persons
• Notify us of any unauthorized use of your account
• Be responsible for all activities under your account

Prohibited Uses

You may not use our website or services to:

• Violate any applicable laws or regulations
• Transmit harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of our website
• Use our content for commercial purposes without permission
• Impersonate another person or entity
• Distribute spam, viruses, or malicious code

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, videos, and software, is owned by or licensed to Invenpanna Financial Coaching and is protected by copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes, subject to these Terms.

Restrictions

You may not:

• Copy, modify, or distribute our content without permission
• Use our content for commercial purposes
• Remove copyright or proprietary notices
• Create derivative works based on our content

Payment Terms

For paid services:

• Payment is due according to the agreed schedule
• All fees are in Canadian dollars unless otherwise specified
• You are responsible for all applicable taxes
• Late payments may result in service suspension
• Refunds are provided according to our refund policy

Cancellation and Refund Policy

Cancellation

You may cancel services by providing written notice according to the terms of your specific service agreement.

Refunds

Refund eligibility depends on the specific service and timing of cancellation:

• Individual sessions: 24-hour cancellation notice required
• Package services: Refunds calculated on unused sessions
• Digital products: No refunds after download/access
• Subscription services: Prorated refunds for prepaid periods

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for any indirect, incidental, special, or consequential damages
• Our total liability is limited to the amount you paid for our services
• We are not responsible for losses resulting from your financial decisions
• We disclaim all warranties, express or implied

Indemnification

You agree to indemnify and hold harmless Invenpanna Financial Coaching and its employees, contractors, and agents from any claims, damages, losses, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• Any financial decisions you make

Termination

We may terminate or suspend your access to our services immediately, without prior notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of fees
• Any reason at our sole discretion

Upon termination, your right to use our services ceases immediately.

Governing Law and Jurisdiction

These Terms are governed by the laws of the Province of Ontario, Canada, without regard to conflict of law principles. Any disputes arising from these Terms or our services shall be resolved in the courts of Ontario, Canada.

Dispute Resolution

Informal Resolution

Before pursuing formal legal action, we encourage you to contact us to seek informal resolution of any disputes.

Arbitration

For disputes that cannot be resolved informally, both parties agree to binding arbitration in accordance with the rules of the Canadian Arbitration Association, conducted in Toronto, Ontario.

Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and Invenpanna Financial Coaching regarding the use of our services.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by:

• Posting the updated Terms on our website
• Updating the "Last Updated" date
• Sending email notification for material changes

Your continued use of our services after changes constitute acceptance of the new Terms.

Contact Information

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

Acknowledgment

By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.