TERMS AND CONDITIONS

Effective date: 1^st November 2023

1. Introduction

Welcome to Debo Financial, accessible at https://www.debofinancialgroup.com. We specialize in business consulting and personal financial consulting services. These Terms and Conditions govern your use of our website and services. By accessing our website and utilizing our services, you agree to comply with and be bound by these Terms and Conditions. If you disagree with any part of these terms, please do not use our website.

2. Definitions

• "Company," "We," "Us," "Our" refer to Debo Financial.
• "Service" refers to the business consulting and personal financial consulting services provided by Debo Financial.
• "User," "You," "Your" refers to individuals who visit or use our website and services.
• "Website" refers to https://www.debofinancialgroup.com.

3. User Eligibility

The services of Debo Financial are available only to individuals who can form legally binding contracts under applicable law. By using our services, you represent that you are of legal age and have the authority to bind yourself or the entity you represent to these Terms and Conditions.

4. Nature of Services

Debo Financial offers business and personal financial consulting services. Our services include, but are not limited to, providing guidance and advice to clients in these areas. Please note that our services do not include lending, financing, or specific credit repair services.

5. User Responsibilities

As a user of our services, you are required to provide accurate and complete information during your interactions with us, particularly when scheduling appointments or seeking advice. You are responsible for implementing the strategies or advice provided by Debo Financial as per your discretion.

6. Privacy Policy

Your privacy is important to us. Please refer to our separate Privacy Policy, which explains how we collect, use, and store your personal information. Note that the Privacy Policy is a complementary document to these Terms and Conditions.

7. Service Modifications

Debo Financial reserves the right to modify or discontinue any aspect of our services or website at any time, without notice. We are not liable to you or any third party for any modification, price change, suspension, or discontinuance of the service.

8. Pricing and Payments

• The fees for our services will be as stated on our website or as quoted to you during your appointment booking.
• Payment is required at the time of service, unless otherwise agreed upon in writing.
• Debo Financial reserves the right to modify pricing, but any changes will not affect bookings already confirmed.
• All payments are subject to our refund and cancellation policy as detailed in these Terms and Conditions.

9. Refund and Cancellation Policy

• Clients may cancel their appointments or services according to the guidelines set forth on our website.
• If you cancel within the stipulated timeframe, you may be eligible for a full or partial refund.
• Refund eligibility and processing will be in accordance with the specifics outlined at the time of your booking or as communicated by Debo Financial.

10. Compliance with Laws

• Debo Financial operates in compliance with all applicable laws and regulations of the State of Florida.
• We do not engage in any credit repair services that may raise concerns during audits or reviews by entities opposed to credit repair.

11. Intellectual Property

• All content on our website, including text, graphics, logos, and images, is the property of Debo Financial and is protected by intellectual property laws.
• Unauthorized use, reproduction, or distribution of any material from our website is strictly prohibited.

12. Disclaimers

• Debo Financial does not guarantee specific outcomes for our consulting services.
• We disclaim all warranties, express or implied, to the extent permitted by law.
• We are not liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our services.

13. Indemnification

• You agree to indemnify, defend, and hold harmless Debo Financial and its employees, agents, and affiliates from any claims, liabilities, expenses, or demands, including reasonable attorneys' fees, made by any third party due to or arising out of your use of our services or violation of these Terms and Conditions.

14. Termination of Use

• Debo Financial reserves the right to terminate or suspend your access to our website and services for any reason, including breach of these Terms and Conditions.
• Upon termination, your right to use the services will immediately cease.
• If you wish to terminate your account, please contact us directly.

15. Dispute Resolution

• These Terms and Conditions are governed by the laws of the State of Florida.
• Any dispute arising out of or related to your use of our services shall be resolved through confidential binding arbitration in Florida, except for disputes relating to intellectual property rights.
• Both parties agree to submit to the exclusive jurisdiction of the courts located within the state of Florida for the purpose of litigating all such disputes.

16. Amendments to Terms

• Debo Financial reserves the right to amend these Terms and Conditions at any time.
• All amendments will be posted on our website and effective immediately upon posting.
• Your continued use of the website and services following any amendments indicates your acceptance of the new terms.

17. Severability

• If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the other provisions will otherwise remain in full force and effect and enforceable.

18. Acknowledgment and Acceptance

• By using our services and accessing our website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.
• Your agreement to these terms is represented each time you access our services or website.

19. Contact Information

• If you have any questions or concerns regarding these Terms and Conditions, please contact us at contact@debofinancial.com.

We are committed to providing you with high-quality services and addressing your concerns promptly.