Terms of Use

By accessing and using the stellariquentos website (stellariquentos.sbs), you accept and agree to be bound by the terms and provision of this agreement. These Terms of Use constitute a legally binding agreement between you and stellariquentos regarding your use of our personal finance education platform and services.

If you do not agree to abide by the above, please do not use this service. We reserve the right to modify these terms at any time, and such modifications shall be effective immediately upon posting on this website.

stellariquentos provides educational content and resources focused on personal finance skills development. Our platform offers webinars, educational materials, and financial literacy resources designed to help individuals improve their understanding of personal finance management.

Service Offerings Include:

• Educational webinars on personal finance topics
• Financial literacy resources and guides
• Personal finance skill development materials
• Online learning content and tools
• Community forums and discussion platforms

We strive to provide accurate and current information, but we make no representations or warranties as to the accuracy, reliability, or completeness of the content provided through our services.

As a user of our platform, you agree to use our services responsibly and in accordance with all applicable laws and regulations. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

You agree to:

1. Provide accurate and truthful information when creating your account
2. Use our services only for lawful purposes and in accordance with these Terms
3. Respect the intellectual property rights of stellariquentos and other users
4. Not attempt to gain unauthorized access to our systems or other users' accounts
5. Not use our services to transmit harmful, offensive, or inappropriate content
6. Notify us immediately of any unauthorized use of your account

Failure to comply with these obligations may result in the termination of your access to our services.

You may not use our services for any unlawful purpose or to solicit others to perform unlawful acts. The following activities are strictly prohibited:

• Violating any applicable local, provincial, or federal laws
• Transmitting material that is copyrighted, unless you own the copyright
• Attempting to gain unauthorized access to our computer systems
• Using our services to spam or send unsolicited messages
• Impersonating another person or entity
• Interfering with or disrupting our services or servers
• Collecting user information without consent
• Using automated systems to access our services without permission

We reserve the right to terminate accounts that engage in prohibited activities and to cooperate with law enforcement when necessary.

All content on the stellariquentos website, including but not limited to text, graphics, logos, images, audio clips, and software, is the property of stellariquentos or its content suppliers and is protected by Canadian and international copyright laws.

Your Rights:

You are granted a limited, non-exclusive, non-transferable license to access and use our content for personal, non-commercial purposes. This license does not include the right to:

• Modify, distribute, or create derivative works
• Use content for commercial purposes without written consent
• Remove copyright notices or proprietary markings
• Reverse engineer or decompile our software

Your privacy is important to us. We collect and use your personal information in accordance with our Privacy Policy and applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

Data Collection and Use:

We collect information you provide directly to us, such as when you create an account, participate in webinars, or contact us for support. We use this information to provide and improve our services, communicate with you, and comply with legal obligations.

We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure.

The information and services provided by stellariquentos are for educational purposes only and should not be considered as professional financial advice. We do not guarantee specific financial outcomes or results from using our services.

Disclaimer of Warranties:

Our services are provided "as is" without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to:

• Merchantability and fitness for a particular purpose
• Non-infringement of third-party rights
• Accuracy, reliability, or completeness of information
• Uninterrupted or error-free service

Your use of our services is at your sole risk. We shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of our services.

We reserve the right to terminate or suspend your account and access to our services at any time, without prior 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.

You may terminate your account at any time by contacting us or using the account deletion feature if available. Upon termination, your right to use our services will cease immediately.

Effect of Termination:

Upon termination, we may delete your account and all associated data. We are not obligated to retain any user content or account information after termination.

These Terms of Use shall be governed by and construed in accordance with the laws of Ontario, Canada, without regard to its conflict of law provisions. Any legal action or proceeding arising under these terms shall be brought exclusively in the courts of Ontario, Canada.

If any provision of these terms is found to be unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision of these terms shall not be considered a waiver of those rights.

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on our website. We will make reasonable efforts to notify users of significant changes through email or website notifications.

It is your responsibility to review these terms periodically. Your continued use of our services after any changes constitutes acceptance of the new terms.