Terms of Use

Agreement to Terms

By accessing or using the website disdisbucc.site (the "Website") and the services provided by Disbucc Store ("we," "us," or "our"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Website or services.

Description of Services

Disbucc Store provides expense management consulting and educational services designed to help clients understand and optimize their daily spending patterns. Our services are consultative and educational in nature and do not constitute professional financial advice.

Eligibility

You must be at least 18 years old to use our services. By using our Website and services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms of Use.

User Responsibilities

When using our Website and services, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of any account credentials
• Notify us immediately of any unauthorized use of your account
• Use the Website and services only for lawful purposes
• Not interfere with or disrupt the Website or services
• Not attempt to gain unauthorized access to any part of the Website

Payment Terms

Payment for services is required in full before service delivery begins. We accept major credit cards and electronic transfers. All prices are listed in Canadian dollars (CAD) and are subject to applicable taxes.

Refund Policy

If you are not satisfied with our services, you may request a refund within 7 days of service completion. Refund requests will be evaluated on a case-by-case basis. Partial refunds may be provided at our discretion based on the extent of services already delivered.

Intellectual Property Rights

All content on this Website, including text, graphics, logos, images, and software, is the property of Disbucc Store or its content suppliers and is protected by Canadian and international copyright laws.

You may not:

• Reproduce, distribute, or create derivative works from our content without permission
• Use our content for commercial purposes without authorization
• Remove any copyright or proprietary notices from our content

Service Deliverables and Reports

Any reports, analyses, or materials we provide to you as part of our services are for your personal use only. You may not share, reproduce, or distribute these materials without our written consent.

Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding:

• The accuracy, completeness, or usefulness of information provided
• The results you may achieve from implementing our recommendations
• The uninterrupted or error-free operation of our Website

Limitation of Liability

To the maximum extent permitted by law, Disbucc Store shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from:

• Your use or inability to use our services
• Any actions you take based on our recommendations
• Unauthorized access to or alteration of your data
• Any other matter relating to our services

In no event shall our total liability exceed the amount you paid for the specific service giving rise to the claim.

Not Financial Advice

The services we provide are educational and consultative in nature. They are not professional financial advice, tax advice, legal advice, or investment advice. You should consult with qualified professionals for such advice. We are not responsible for any financial decisions you make based on our services.

Confidentiality

We will maintain the confidentiality of any financial information you share with us in accordance with our Privacy Policy. However, you acknowledge that we may use anonymized, aggregated data for research and improvement of our services.

Termination

We reserve the right to terminate or suspend your access to our Website and services at our discretion, without notice, for conduct that we believe violates these Terms of Use or is harmful to other users, us, or third parties, or for any other reason.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the Province of Manitoba and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Dispute Resolution

Any disputes arising from these Terms of Use or your use of our services shall be resolved through good faith negotiation. If negotiation fails, disputes shall be subject to the exclusive jurisdiction of the courts of Manitoba, Canada.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. We will notify users of any material changes by posting the updated terms on this page with a new "Last Updated" date. Your continued use of the Website and services after changes are posted constitutes acceptance of the modified terms.

Severability

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

Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Disbucc Store regarding the use of our Website and services.

Contact Information

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

Disbucc Store
425 Portage Avenue, Suite 310
Winnipeg, MB R3B 2C4
Canada
Email: [email protected]