AceSpeak. Unleashing Financial Mastery - Grasping the Basics of Online Fiscal Literacy.

Preservation of Rights

Nothing in these terms and conditions will: (a) limit or exclude our or your liability for death or personal injury resulting from our or your negligence, as applicable; (b) limit or exclude our or your liability for fraud or fraudulent misrepresentation; or (c) limit or exclude any of our or your liabilities in any way that is not permitted under applicable law. To the extent that the Website and Content are provided free of charge, we will not be liable to you for any loss or damage of any kind. We will not be liable to you in respect of any losses arising out of events beyond our reasonable control. To the maximum extent permitted by law, Company accepts no liability for any of the following:

any business losses, such as loss of profits, income, revenue, anticipated savings, business, contracts, goodwill or commercial opportunities;
loss or corruption of any data, database or software;
any special, indirect or consequential loss or damage.

Ancillary Information

When registering as a Subscriber, users are required to provide accurate and up-to-date personal information, including username, password, email address, country of residence, payment details, and time zone. By registering an account, users agree to comply with our terms and conditions and accept responsibility for all activities conducted under their account. Subscribers must ensure that any minors accessing the website through their account do so under appropriate supervision. Our company disclaims liability for the quality of any downloads and reserves the right to suspend website operations for maintenance or other necessary purposes.

Fees and Charges

Subscribers shall pay all Subscription Fees due to Organisation for products in the manner and frequency provided for on the Website from time to time by online bank payment or PayPal before the Subscriber can access the Website or any Downloads. Upon making payment for the first Subscription, all ordered products shall be made immediately available to the Subscriber. All payments shall be made in US dollars unless agreed otherwise by Organisation. All and any bank charges in connection with US dollar payments shall be paid by the Subscriber. Monthly and Yearly Subscriptions will be taken from the same bank account of the Subscriber from which his first payment was made on the same date in each month or year as appropriate (or the next Business Day if that date is not a Business Day) until the Subscription is cancelled by the Subscriber Organisation may increase its prices upon notifying Subscribers on the Website of such increased prices, which will not take effect until at least one month after the date on which such notification is made. Organisation reserves the right to offer trial packages at a lower cost to potential new Subscribers than existing Subscribers may be paying.

Rights for Cancellation

If the product you purchased is not what you were expecting, you can request, within 14 days of your purchase of the product, that Company refund your account. We reserve the right to refund at our discretion. Your refund may also be impacted by the capabilities of our payment processing partners, the platform from which you purchased your product (website or mobile app), statutory fees and taxes as well as other factors. No credit or refund is due to you if you request it after the 14-day guarantee time limit has passed. At our discretion, if we believe you are abusing our refund policy, we reserve the right to ban your account and to restrict all future use of the Services.

Ending Use

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability. Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service and any information you wish to remove from the site will be removed upon request. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.