Terms of Service

Last Updated: November 15, 2023

Welcome to Pemaje Layewo. These Terms of Service govern your use of our financial education platform and services. Please read these terms carefully before using our services.

1. Acceptance of Terms

By accessing or using the Pemaje Layewo platform, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you may not access or use our services.

2. Description of Services

Pemaje Layewo provides financial education content, budgeting tools, expense tracking features, and related services through our digital platform. Our services are educational in nature and do not constitute financial advice.

3. User Accounts

To access certain features, you must create a user account. You agree to:

4. Subscription and Payment

Some features require paid subscriptions. By purchasing a subscription, you agree to:

We offer a 14-day money-back guarantee for new subscriptions.

5. Intellectual Property Rights

All content, features, and functionality on the Pemaje Layewo platform are owned by us or our licensors and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express permission.

6. User Conduct

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

7. Disclaimer of Financial Advice

Pemaje Layewo provides educational content and tools for informational purposes only. We are not a financial advisor, and our services do not constitute financial advice. You are solely responsible for your financial decisions and should consult with qualified financial professionals before making significant financial decisions.

8. Limitation of Liability

To the maximum extent permitted by law, Pemaje Layewo shall not 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:

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.

10. 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. Any disputes shall be resolved in the courts of Toronto, Ontario.

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. What constitutes a material change will be determined at our sole discretion.

12. Contact Information

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

Pemaje Layewo Inc.
123 Cyber Finance Ave, Suite 400
Toronto, ON M5J 2S8
Email: legal@pemaje-layewo.sbs
Phone: +1 4372076093

Disclaimer: Pemaje Layewo provides financial education and tools for informational purposes only. We are not financial advisors, and the information provided should not be considered as financial advice. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind regarding the completeness, accuracy, reliability, or suitability of our content.

Your financial situation is unique, and any investment or financial decisions you make are your sole responsibility. We recommend consulting with a qualified financial professional before making any significant financial decisions. Past performance of any investment or strategy is not indicative of future results.