Cashilo : Terms of Service (TOS)

Welcome to Cashilo. This User Agreement ("Agreement") governs your use of our blog website and its related services. By accessing or using our site, you agree that you have read, understood, and accepted all the terms and conditions described herein. We encourage you to read these terms carefully to understand your rights and obligations when using our blog. This Agreement also encompasses our Privacy Policy and Cookie Policy, which describe how we collect, use, and safeguard your personal information in accordance with applicable laws governing privacy, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

This Agreement is designed not only to protect you as a user and Cashilo as the service provider but also to comply with legal requirements concerning data protection and privacy. In addition to providing clear guidelines on acceptable usage of our website, we have incorporated detailed provisions on data security, user responsibilities, intellectual property rights, and dispute resolution. The effective date of this Agreement is 2025-04-10.

1. Acceptance of Terms

By visiting, browsing, or using any part of our blog, you agree to be bound by this Agreement as it may be amended from time to time. If you do not agree with any part of these terms, you must immediately cease using our website. Continued use of our website following any modifications to this Agreement constitutes your acceptance of those changes. It is your responsibility to periodically review the Agreement for any updates. Changes will be effective immediately upon posting.

2. Modifications to the Agreement

We reserve the right to change or modify portions of this Agreement at our sole discretion. Such modifications may include updates to reflect changes in the law, enhancements to our services, or adjustments in our data practices. We will notify users of any significant changes through announcements on our site or via email if you are a registered user. Your continued use of the website after such modifications signifies your acceptance and agreement to the updated terms.

3. Privacy Policy and Data Protection

Your privacy is of paramount importance to us. Our collection, storage, and processing of your personal data are governed by the rules and procedures prescribed under the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable privacy laws. This section outlines what personal data we collect, why we collect it, how we protect it, and your rights regarding your personal information.

3.1 Collection of Personal Data

When you use our blog, we may collect a variety of information from you, including:

Contact information such as your name and email address if you subscribe to newsletters or submit comments.
Usage data, including your IP address, browser type, operating system, and the pages you visit on our website.
Any other personal information that you voluntarily provide through forms or communications.

We strive to collect only the data necessary for the effective operation and improvement of our website and user services.

3.2 Use of Personal Data

The personal data we collect is used for various purposes, including:

Enhancing and personalizing user experience on our website.
Monitoring and analyzing trends, usage, and activities on the website.
Improving our services, creating statistical data for internal use, and addressing technical issues.
Sending newsletters, responses to inquiries, or other communications if you have provided consent to receive such communications.

3.3 Data Storage, Retention, and Deletion

We store your personal information securely on our servers and take all practical measures to protect it against unauthorized access, disclosure, alteration, or destruction. Any personal data collected will be retained only for as long as is necessary to fulfill the purposes outlined in this Agreement, or as required by law. Upon request, you have the right to inquire about the personal data we hold about you, as well as to ask for its correction or deletion. To exercise these rights, please contact us using the details provided at the conclusion of this document. Requests for deletion of data will be processed in accordance with legal obligations, and we may retain residual data only in anonymized form if required for internal audit or compliance purposes.

3.4 Data Security

We adopt robust security practices which include physical, electronic, and procedural safeguards to protect your personal information. These measures include encryption, secure socket layer (SSL) technology, regular security assessments, and restricted access to personal data. While we aim to secure your data, please be aware that no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

3.5 Your Consent and Rights

By using our website, you consent to the collection and use of your personal data as described in this Privacy Policy. You also have the right to:

Access and obtain a copy of your personal information.
Request corrections to any inaccurate or incomplete data.
Request deletion of your personal data subject to legal and contractual restrictions.
Withdraw consent for data processing where applicable.

Please direct any questions or requests regarding your personal information to our contact details provided below.

5. User Responsibilities and Prohibited Activities

As a user of our blog, you agree to use the website legally, ethically, and in accordance with the following guidelines:

You will not use our website for any purpose that is unlawful, fraudulent, or harmful to others.
You agree not to upload, share, or otherwise distribute any content that is defamatory, obscene, offensive, or otherwise violates the rights of any third party.
You are responsible for maintaining the confidentiality of any account credentials if you choose to register, and you must promptly notify us of any unauthorized use of your account.
You will refrain from engaging in activities intended to disrupt or interfere with the website's operations, including the introduction of malware, viruses, or other harmful code.
Any attempt to gain unauthorized access to restricted areas of the website or other users' data is strictly prohibited.

Failure to adhere to these guidelines may result in immediate suspension of your access and usage rights without prior notice.

6. Intellectual Property Rights

All content provided on this website, including text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of Cashilo or its content suppliers. This content is protected by international copyright, trademark, and other intellectual property laws. Unauthorized reproduction, modification, distribution, or commercial exploitation of any content from our website without our explicit written permission is strictly prohibited.

The trademarks, service marks, and logos displayed on the site are registered and unregistered trademarks of Cashilo and may not be used in any manner without prior written consent from the rightful owners.

7. Third-Party Links and External Content

From time to time, our website may include links to third-party websites or services for your convenience and further information. These links are provided solely as a reference, and we do not endorse or have control over the content or practices of these third-party sites. We are not responsible for the privacy practices or content of these linked websites, and we encourage you to review their respective terms and privacy policies before engaging with them.

8. Disclaimer of Warranties and Limitation of Liability

The information, content, and services provided on our website are offered "as is" and "as available" without any explicit or implied warranties. Cashilo disclaims all warranties, including but not limited to the warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the website will be error-free, secure, or continuously available.

In no event shall Cashilo, its agents, or any affiliated parties be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use or inability to use our website or any content therein. This includes, but is not limited to, damages resulting from loss of data, interruption of service, or any other commercial damages or losses, even if we have been advised of the possibility of such damages.

9. Governing Law and Dispute Resolution

This Agreement, its construction, and the rights of the parties under this Agreement shall be governed by and construed in accordance with the applicable privacy, consumer protection, and internet usage laws. Any disputes arising from or relating to this Agreement shall be resolved in the courts with competent jurisdiction, and you agree to submit to such jurisdiction.

We recommend that any disputes or questions regarding the interpretation of this Agreement be addressed by contacting us at the contact details below before taking any further action.

10. Contact Information

If you have any questions, concerns, or requests regarding these Terms and Conditions or our Privacy and Cookie Policies, please contact us using the information provided below:

Telephone: +1 403-346-306-7
Email: [email protected]
Address: 59 | Midland Place SE | Calgary | T2X 1P8 | Canada

We commit to responding to your inquiries and processing any data-related requests in a timely and responsible manner in line with the relevant legal requirements and internal policies.

11. Additional Provisions

By using our website, you acknowledge and agree that:

You are solely responsible for any content you submit, upload, or transmit through our website. Please ensure that you have all necessary rights and permissions to share such material.
This Agreement constitutes the entire understanding between you and Cashilo regarding the subject matter herein and supersedes all prior oral or written agreements or communications.
If any provision of this Agreement is deemed invalid, illegal, or unenforceable, that provision will be severed from the Agreement, and the remaining provisions will continue in full force and effect.
No waiver of any provision of this Agreement shall be held as valid unless in writing and signed by an authorized representative of Cashilo.

We reserve the right to enforce our policies and take appropriate legal action when necessary to protect our rights and those of third parties.

12. Final Remarks

This User Agreement sets forth the rules and guidelines for using the services and content provided by Cashilo. It remains your binding agreement with us regarding your access and use of our website. We appreciate your trust in our blog and strive to maintain a safe, secure, and informative online environment for all users.

If you do not agree with any of the terms detailed above, please discontinue your use of our website immediately. Your continuous engagement with our blog constitutes your acknowledgment of and agreement to these terms, including any updates that may be implemented from time to time.

We thank you for your attention to these policies and for helping us create a transparent and supportive online community. Your cooperation in maintaining the integrity and security of our site is greatly appreciated.

By using our website, you affirm that you have read, understood, and accepted all the terms and provisions contained within this User Agreement. If you do not agree with any part of this Agreement, your only course of action is to refrain from using our website. We encourage you to review this Agreement periodically to ensure that you remain fully informed about all our practices related to data protection, cookie usage, user responsibilities, and any other significant policies.

This Agreement is intended to serve as a comprehensive resource regarding your rights and obligations when accessing Cashilo. We value your privacy and are committed to complying with all legal requirements regarding the protection of your personal information. Thank you for taking the time to familiarize yourself with our policies. Your continued trust and use of our website are of utmost importance to us.

Effective Date: 2025-04-10