Terms & Conditions

1. Website Use

1.1. License to Use: We grant you a limited, non-exclusive, non-transferable license to access and use our Website for personal, non-commercial purposes.

1.2. Prohibited Activities: You agree not to:

• Use the Website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the Website
• Copy, reproduce, distribute, or modify any content from the Website without written permission
• Use the Website to transmit malware, viruses, or other malicious code
• Interfere with the proper functioning of the Website

2. Products and Orders

2.1. Product Information: We strive to provide accurate information about our products. However, we do not warrant that product descriptions or other content on the Website are accurate, complete, reliable, current, or error-free.

2.2. Ordering: When you place an order, you offer to purchase the product at the price and terms indicated. We may accept or decline your order at our sole discretion.

2.3. Pricing and Payment: All prices are shown in USD and do not include taxes, which may be added at checkout. We reserve the right to change prices at any time. Payment must be made via the methods we provide, and your payment information will be handled according to our Privacy Policy.

2.4. Digital Products: For digital products, upon successful payment, you will receive access instructions via email. Digital products are not eligible for returns due to their nature.

2.5. Physical Products: For physical books, shipping times and methods will be communicated at checkout. We are not responsible for delays caused by customs, postal services, or other factors beyond our control.

3. Intellectual Property

3.1. Ownership: All content on the Website, including text, graphics, logos, images, and software, as well as the book "New Trends in Financial Markets," is owned by hoyahu-jidala.sbs or its licensors and is protected by copyright and other intellectual property laws.

3.2. License for Purchased Products: When you purchase our book, you receive a non-exclusive, non-transferable license to use the book for personal, non-commercial purposes. You may not reproduce, distribute, or create derivative works based on the book without our express written permission.

4. User Accounts

4.1. Account Creation: You may need to create an account to access certain features of our Website. You are responsible for maintaining the confidentiality of your account credentials.

4.2. Account Information: You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

5. Limitation of Liability

5.1. General Limitation: To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our Website or products.

5.2. Cap on Liability: Our total liability for any claim arising out of or relating to these Terms shall not exceed the amount paid by you for the product that is the subject of the claim.

6. Indemnification

You agree to indemnify, defend, and hold harmless hoyahu-jidala.sbs and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that such parties may incur as a result of or arising from your violation of these Terms.

7. Termination

We reserve the right to terminate or suspend your access to our Website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Canada, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be resolved exclusively in the courts of Toronto, Ontario, Canada.

9. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes.

10. Contact Information

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