Terms of Use
Last Updated: March 15, 2024
Please read these Terms of Use carefully before accessing or using the Bifutay platform. By accessing or using any part of our services, you agree to be bound by these terms. If you do not agree to all terms and conditions, you may not access the platform or use any services.
1. Acceptance of Terms
These Terms of Use constitute a legally binding agreement between you and Bifutay governing your access to and use of the website located at bifutay.com and all associated services, features, content, and functionality offered through the platform.
By creating an account, enrolling in a course, or otherwise using any portion of the platform, you represent that you have read, understood, and agree to be bound by these Terms of Use, as well as our Privacy Policy, which is incorporated herein by reference.
If you are using the platform on behalf of an organisation or entity, you represent and warrant that you have the authority to bind that organisation to these terms, and references to "you" in these terms shall apply to both you and that organisation.
2. Eligibility
The platform is intended for users who are at least 16 years of age. By using the platform, you represent and warrant that you meet this minimum age requirement. If you are under the age of majority in your jurisdiction, you must have the consent of a parent or legal guardian to use the platform.
Bifutay reserves the right to refuse service, terminate accounts, or remove or edit content at its sole discretion, including in cases where it believes a user does not meet eligibility requirements.
3. Account Registration and Security
3.1 Account Creation
To access certain features of the platform, you may be required to register for an account. When registering, you agree to provide accurate, current, and complete information. You are responsible for maintaining the accuracy of your account information and for updating it as necessary.
3.2 Account Credentials
You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree not to share your login credentials with any third party. You are responsible for all activity that occurs under your account, whether or not you authorised such activity.
3.3 Unauthorised Access
You agree to notify Bifutay immediately at contact@bifutay.com if you become aware of any unauthorised use of your account or any other breach of security. Bifutay will not be liable for any loss or damage arising from your failure to comply with this obligation.
3.4 Account Termination
Bifutay reserves the right to suspend or terminate your account at any time, with or without notice, for any reason, including but not limited to a violation of these Terms of Use. Upon termination, your right to use the platform will immediately cease.
4. Services Description
Bifutay provides an online educational platform offering group sessions, individual lessons, and personalised learning paths focused on budgeting skills and financial literacy. The platform facilitates live interaction between learners and instructors and provides access to educational materials, resources, and tools.
The nature, scope, and availability of services may change over time. Bifutay reserves the right to modify, suspend, or discontinue any aspect of the platform at any time without prior notice or liability to you.
5. User Conduct
5.1 Permitted Use
You agree to use the platform solely for lawful purposes and in a manner consistent with these Terms of Use. You may access and use the platform's content and services for your personal, non-commercial educational purposes unless otherwise agreed in writing.
5.2 Prohibited Conduct
You agree not to engage in any of the following prohibited activities:
| Category | Prohibited Actions |
|---|---|
| Content Misuse | Copying, distributing, reproducing, or selling any platform content without explicit written permission |
| Account Abuse | Creating multiple accounts, sharing account access, or impersonating any person or entity |
| Technical Interference | Attempting to gain unauthorised access, introducing malicious code, or disrupting platform functionality |
| Harmful Behaviour | Harassing, threatening, or abusing other users, instructors, or staff members |
| Fraudulent Activity | Engaging in any fraudulent, deceptive, or misleading conduct in connection with the platform |
| Scraping and Automation | Using automated tools, bots, or scripts to access, scrape, or extract data from the platform |
5.3 Community Standards
During live sessions, group interactions, and any community features, you agree to maintain respectful and constructive communication. Bifutay reserves the right to remove users from sessions or the platform entirely for conduct that disrupts the learning environment or violates these standards.
6. Intellectual Property
6.1 Platform Content
All content available on the Bifutay platform, including but not limited to text, graphics, logos, images, audio, video, course materials, and software, is the exclusive property of Bifutay or its content licensors and is protected by applicable intellectual property laws.
6.2 Limited Licence
Subject to your compliance with these Terms of Use, Bifutay grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the platform and its content solely for your personal, non-commercial educational purposes. This licence does not include the right to sublicense, sell, reproduce, distribute, publicly display, or create derivative works from any platform content.
6.3 User-Submitted Content
If you submit, upload, or otherwise provide any content to the platform, including messages, feedback, or materials shared during sessions, you grant Bifutay a non-exclusive, royalty-free, worldwide licence to use, reproduce, modify, and display such content in connection with the operation and improvement of the platform.
You represent and warrant that you own or have the necessary rights to submit such content and that it does not infringe any third-party intellectual property rights.
6.4 Feedback
Any feedback, suggestions, or ideas you provide to Bifutay regarding the platform may be used by Bifutay without restriction and without any obligation to compensate you.
7. Payments and Refunds
7.1 Fees
Access to certain services on the platform may require payment of fees. All applicable fees will be disclosed prior to purchase. You agree to pay all fees associated with the services you select. Bifutay reserves the right to modify its pricing at any time, with changes taking effect upon notice to you.
7.2 Payment Processing
Payments are processed through third-party payment providers. By providing payment information, you authorise Bifutay and its payment processors to charge the applicable fees to your designated payment method. You are responsible for ensuring your payment information is accurate and up to date.
7.3 Refund Policy
Refund eligibility is determined on a case-by-case basis in accordance with our refund guidelines, which are made available at the point of purchase. Bifutay reserves the right to deny refund requests where services have been substantially delivered or where misuse of the refund process is suspected.
7.4 Taxes
You are responsible for any taxes, duties, or levies applicable to your purchase of services on the platform, except where Bifutay is required by law to collect and remit such taxes on your behalf.
8. Third-Party Services and Links
The platform may contain links to third-party websites, services, or resources. These links are provided for your convenience only and do not constitute an endorsement by Bifutay of the content, products, or services available through such third parties.
Bifutay has no control over third-party content and accepts no responsibility for any loss or damage that may arise from your use of third-party services. Your interactions with third-party services are governed solely by the terms and policies of those third parties.
9. Privacy
Your use of the platform is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the platform, you consent to the collection and use of your information as described in the Privacy Policy. We encourage you to review our Privacy Policy carefully.
10. Disclaimers
10.1 Educational Purpose
All content provided through the Bifutay platform is intended for general educational purposes only. Nothing on the platform constitutes professional financial, legal, tax, or investment advice. You should consult a qualified professional before making any financial decisions.
10.2 No Warranty
The platform and all content and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Bifutay does not warrant that the platform will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
10.3 Accuracy of Information
While Bifutay endeavours to ensure that all content on the platform is accurate and up to date, we make no representations or warranties regarding the accuracy, completeness, or suitability of any content for any particular purpose.
11. Limitation of Liability
To the fullest extent permitted by applicable law, Bifutay and its officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of, or inability to use, the platform or its content and services.
In no event shall Bifutay's total liability to you for all claims arising out of or relating to these Terms of Use or your use of the platform exceed the total amount paid by you to Bifutay in the twelve months preceding the event giving rise to the claim.
Some jurisdictions do not allow the exclusion or limitation of certain types of liability. In such cases, the limitations above shall apply to the maximum extent permitted by applicable law.
12. Indemnification
You agree to indemnify, defend, and hold harmless Bifutay and its officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses, including reasonable legal fees, arising out of or in connection with your use of the platform, your violation of these Terms of Use, or your infringement of any third-party rights.
13. Modifications to Terms
Bifutay reserves the right to modify these Terms of Use at any time. When changes are made, the updated terms will be posted on this page with a revised "Last Updated" date. Your continued use of the platform following the posting of any changes constitutes your acceptance of the revised terms.
If the changes are material, Bifutay may also notify you by email or through a prominent notice on the platform. We encourage you to review these terms periodically to stay informed of any updates.
14. Termination
Bifutay may, in its sole discretion, suspend or terminate your access to the platform at any time, with or without cause, and with or without notice. Upon termination, all licences and rights granted to you under these Terms of Use will immediately cease.
You may terminate your account at any time by contacting us at contact@bifutay.com. Termination of your account does not relieve you of any obligations incurred prior to termination, including any outstanding payment obligations.
Provisions of these Terms of Use that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, disclaimers, limitations of liability, and indemnification obligations.
15. Governing Terms
These Terms of Use represent the entire agreement between you and Bifutay with respect to your use of the platform and supersede all prior agreements, understandings, and representations relating to the subject matter herein.
If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The failure of Bifutay to enforce any right or provision of these terms shall not constitute a waiver of that right or provision.
16. Contact Information
If you have any questions, concerns, or requests regarding these Terms of Use, please contact us using the details below:
| Company | Bifutay |
| Address | 35 Dame St, Dublin 2, D02 H797, Ireland |
| contact@bifutay.com | |
| Phone | +353 1 861 4729 |
| Website | bifutay.com |
We aim to respond to all enquiries within a reasonable timeframe. For urgent matters relating to account security or suspected misuse, please indicate the nature of your concern in your communication so we may prioritise accordingly.