Terms of Use

Last Updated: July 28, 2024

Please read these Terms of Use carefully before accessing or using any part of the Torbalevu platform available at torbalevu.info. By accessing or using the platform, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the platform.

1. Acceptance of Terms

These Terms of Use constitute a legally binding agreement between you and Torbalevu. Your continued use of the platform following any posted updates to these Terms constitutes acceptance of those changes. We recommend reviewing this page periodically.

2. Description of Services

Torbalevu provides an online educational platform focused on budget trend analysis and related learning content. Services include structured lessons, interactive tools, assessments, and supplementary educational materials delivered remotely to a global audience.

We reserve the right to modify, suspend, or discontinue any feature or aspect of the platform at any time without prior notice. We shall not be liable to you or any third party for any such modification, suspension, or discontinuation.

3. Eligibility

You must be at least 16 years of age to use this platform independently. Users under the age of majority in their jurisdiction must have verifiable parental or guardian consent. By using the platform, you represent and warrant that you meet the applicable eligibility requirements.

4. Account Registration

4.1 Account Creation

Certain features of the platform require you to create an account. You agree to provide accurate, current, and complete information during registration and to keep your account information updated at all times.

4.2 Account Security

You are solely responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately at [email protected] if you suspect any unauthorized use of your account. Torbalevu is not liable for any loss or damage arising from your failure to protect your credentials.

4.3 Account Termination

We reserve the right to suspend or terminate any account at our sole discretion if we determine that these Terms have been violated or that account activity poses a risk to the platform or its users.

5. Permitted Use

You agree to use the platform solely for lawful, personal, and non-commercial educational purposes unless a separate commercial licence has been expressly granted in writing by Torbalevu. You must not:

6. Intellectual Property

6.1 Platform Content

All content on the platform, including but not limited to text, graphics, videos, course materials, data compilations, software, and design elements, is the exclusive property of Torbalevu or its licensed content providers and is protected by applicable intellectual property laws.

6.2 Limited Licence

Subject to your compliance with these Terms, Torbalevu grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the platform content strictly for your personal educational use. This licence does not include any right to sublicence, sell, or otherwise exploit the content commercially.

6.3 User-Submitted Content

If you submit any content to the platform, including comments, responses, or forum contributions, you grant Torbalevu a worldwide, royalty-free, perpetual licence to use, reproduce, adapt, and display such content for the purposes of operating and improving the platform. You represent that you hold all necessary rights to grant this licence.

7. Privacy and Data

Your use of the platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the platform, you consent to the collection and processing of your data as described in that policy. For questions about your data, contact us at [email protected].

8. Payments and Refunds

8.1 Fees

Certain courses or features may require payment. All applicable fees will be clearly disclosed prior to purchase. Prices are displayed in the currency relevant to your region and are inclusive of any applicable taxes unless otherwise stated.

8.2 Refund Policy

Refund eligibility is determined on a per-product basis and will be described at the point of purchase. Unless otherwise specified, digital content that has been accessed or downloaded may not be eligible for a refund. To request a refund, contact [email protected] within the applicable refund window.

9. Third-Party Links and Services

The platform may contain links to third-party websites or integrate third-party tools. Torbalevu does not endorse, control, or assume responsibility for the content, practices, or policies of any third-party service. Accessing third-party resources is at your own risk, and these Terms do not apply to such external sites.

10. Disclaimers

The platform and all content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. Torbalevu does not warrant that the platform will be uninterrupted, error-free, or free of harmful components. Educational content is provided for informational purposes only and does not constitute professional financial, legal, or regulatory advice.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Torbalevu, its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the platform, even if advised of the possibility of such damages. Our total aggregate liability for any claim related to these Terms shall not exceed the amount you paid to Torbalevu in the twelve months preceding the claim.

12. Indemnification

You agree to indemnify and hold harmless Torbalevu and its affiliates, officers, employees, and agents from any claims, liabilities, damages, losses, or expenses — including reasonable legal fees — arising out of your use of the platform, your violation of these Terms, or your infringement of any third-party rights.

13. Modifications to These Terms

Torbalevu reserves the right to update or modify these Terms at any time. When changes are made, the "Last Updated" date at the top of this page will be revised. If changes are material, we will endeavour to notify registered users through the platform or by email. Your continued use of the platform after any changes take effect constitutes your acceptance of the revised Terms.

14. Governing Terms and Disputes

These Terms are intended to be interpreted in a manner that is consistent with widely accepted principles of online service agreements. In the event of a dispute arising from these Terms or your use of the platform, both parties agree to attempt resolution in good faith through direct communication before pursuing any formal proceeding. Contact us at [email protected] or by mail at 583 Barton St #5, Stoney Creek, ON L8E 5S2, Canada.

15. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any additional terms applicable to specific features or services, constitute the entire agreement between you and Torbalevu regarding your use of the platform and supersede all prior agreements or understandings relating to the same subject matter.

17. Contact Us

If you have any questions, concerns, or requests related to these Terms, please reach out to us through any of the following channels: