1. Service Description and Scope

Kryzo Pwiju provides investment-focused educational content, application tools, and resources designed for individuals seeking to expand their knowledge in financial management and investment strategies. Our platform is structured to deliver practical information within the Canadian financial context.

What We Provide

What We Don't Provide

Our services are educational in nature. We do not provide personalized investment advice, portfolio management, or financial counseling. Any information presented through our platform should not be construed as a recommendation to buy or sell specific securities or financial instruments.

2. User Account Requirements

To access certain features of our platform, you need to create an account. This comes with specific responsibilities.

Eligibility Standards

Account Management

Your username and password are personal to you. Don't share them with anyone else. If you suspect unauthorized access to your account, notify us immediately at contact@kryzopwiju.vip. We're not liable for losses resulting from unauthorized account use, but we'll work with you to secure your account once notified.

3. Acceptable Use Policy

Our platform exists to help people learn about investment principles. To keep it useful for everyone, we need clear boundaries about what's acceptable.

Prohibited Activities

You agree not to engage in any of the following activities while using our services:

1. Violating any applicable local, provincial, or federal laws or regulations
2. Infringing on intellectual property rights of Kryzo Pwiju or third parties
3. Transmitting malicious code, viruses, or any harmful technology
4. Attempting unauthorized access to our systems or other user accounts
5. Scraping, data mining, or harvesting content through automated means
6. Impersonating another person or entity
7. Posting false, misleading, or defamatory content
8. Harassing, threatening, or abusing other users
9. Using our platform for any commercial purpose without written permission
10. Circumventing security features or access restrictions
11. Interfering with the proper functioning of our services
12. Sharing your account access with unauthorized individuals

4. Intellectual Property Rights

The content, features, and functionality of our platform are protected by copyright, trademark, and other intellectual property laws in Canada and internationally.

Our Rights

All materials available through Kryzo Pwiju—including but not limited to text, graphics, logos, course content, software, and design elements—are owned by or licensed to us. The Kryzo Pwiju name and logo are our trademarks.

Your Usage Rights

We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial educational purposes. This license doesn't include any right to:

User-Generated Content

If you submit content to our platform—such as comments, questions, or forum posts—you retain ownership of that content. However, you grant us a worldwide, royalty-free license to use, modify, and display that content in connection with operating our services.

5. Educational Disclaimer

This is probably the most important section to understand clearly. What we provide is educational information, not investment advice.

Educational Purpose

Our courses and resources aim to help you understand investment concepts, financial principles, and market mechanics. They don't replace professional financial guidance tailored to your specific situation, goals, and risk tolerance.

Any case studies, examples, or scenarios presented are for illustrative purposes. They may be simplified or hypothetical. Real-world investing involves complexity that educational materials can't fully capture.

6. Payment Terms and Refund Policy

When you enroll in paid courses or subscribe to premium services, you agree to our payment terms.

Billing

All fees are stated in Canadian dollars unless otherwise specified. Payments are processed through secure third-party payment processors. You authorize us to charge your designated payment method for applicable fees.

Subscription Services

For subscription-based services, your payment method will be charged automatically at the beginning of each billing period. Subscriptions continue until you cancel them. You can cancel at any time through your account settings, with cancellation taking effect at the end of your current billing period.

Refunds

We offer refunds within 14 days of purchase for most courses and services, provided you haven't accessed more than 25% of the course content. Refund requests should be submitted through your account dashboard or by contacting our support team.

Some promotional offerings or bundled packages may have different refund terms, which will be clearly stated at the time of purchase.

7. Service Availability and Modifications

We work hard to keep our platform accessible and functional, but we can't guarantee uninterrupted service.

Service Changes

We may modify, suspend, or discontinue any aspect of our services at any time, with or without notice. This includes adding or removing features, changing course content, or updating our applications.

Maintenance and Downtime

Planned maintenance will be communicated in advance when possible. Emergency maintenance or unexpected technical issues may result in temporary service interruptions.

8. Third-Party Links and Services

Our platform may contain links to external websites, resources, or services not controlled by Kryzo Pwiju.

External Content

These links are provided for convenience and informational purposes. We don't endorse or assume responsibility for third-party content, policies, or practices. When you access external sites, you do so at your own risk and subject to their terms and conditions.

Integration Services

We may integrate with third-party services for payment processing, analytics, or other functionality. Your interactions with these services are governed by their respective terms and privacy policies.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Kryzo Pwiju and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services.

Scope of Limitation

This includes but is not limited to damages for lost profits, lost data, business interruption, or investment losses, even if we've been advised of the possibility of such damages.

Jurisdictional Variations

Some jurisdictions don't allow certain liability limitations. In those cases, our liability is limited to the maximum extent permitted by law in your jurisdiction.

10. Indemnification

You agree to indemnify, defend, and hold harmless Kryzo Pwiju and its affiliates from any claims, damages, losses, liabilities, and expenses—including reasonable legal fees—arising from:

This indemnification obligation survives termination of your account and these terms.

11. Governing Law and Dispute Resolution

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

Jurisdiction

You agree that any legal action or proceeding arising from these terms shall be brought exclusively in the courts located in British Columbia, Canada. You consent to the personal jurisdiction of these courts.

Informal Resolution

Before initiating formal legal proceedings, we encourage you to contact us to seek an informal resolution. Many disputes can be resolved efficiently through direct communication.

Class Action Waiver

To the extent permitted by law, you agree that any dispute with Kryzo Pwiju will be resolved on an individual basis. You waive your right to participate in class actions or class-wide arbitration.

12. Privacy and Data Protection

Your privacy matters 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.

Key Privacy Commitments

For complete details about our data practices, please review our Privacy Policy available on our website.

13. Termination

Either party may terminate this agreement at any time.

Your Right to Terminate

You can close your account at any time through your account settings or by contacting us. Upon termination, you lose access to any content or materials associated with your account.

Our Right to Terminate

We may suspend or terminate your account immediately, without notice, if you violate these terms, engage in fraudulent activity, or for any other reason we deem appropriate. We're not obligated to provide specific reasons for account termination.

Effect of Termination

Upon termination, all licenses granted to you under these terms immediately cease. Provisions that by their nature should survive termination—including intellectual property rights, disclaimers, indemnification, and limitation of liability—remain in effect.

14. Changes to These Terms

We may update these Terms of Use periodically to reflect changes in our services, legal requirements, or business practices.

Notification of Changes

When we make material changes, we'll notify you by email (if you've provided one) or through a prominent notice on our platform. The updated terms will include a new "Last Updated" date at the top of this document.

Your Acceptance

Continued use of our services after changes take effect constitutes your acceptance of the revised terms. If you don't agree with the new terms, you should stop using our services and close your account.

15. General Provisions

Entire Agreement

These Terms of Use, together with our Privacy Policy and any additional terms applicable to specific services, constitute the entire agreement between you and Kryzo Pwiju regarding use of our platform.

Severability

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

Waiver

Our failure to enforce any right or provision of these terms doesn't constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of Kryzo Pwiju.

Assignment

You may not assign or transfer these terms or your account to any other person without our written consent. We may assign our rights under these terms without restriction.

Force Majeure

We're not liable for any failure or delay in performance resulting from circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or governmental actions.