Terms of Use

Acceptance of Terms

Welcome to Mixenaz, a comprehensive financial platform designed to help you manage your finances effectively. By accessing or using our website at Mixenaz.com, mobile applications, or any related services, you agree to be bound by these Terms of Use. If you disagree with any part of these terms, you must not use our services.

These terms constitute a legally binding agreement between you and Mixenaz. We reserve the right to modify these terms at any time, and such modifications will be effective immediately upon posting. Your continued use of our services after any changes indicates your acceptance of the new terms.

Description of Services

Mixenaz provides a comprehensive suite of financial tools and services designed to help individuals and businesses manage their financial lives more effectively. Our platform includes budgeting tools, expense tracking, financial planning resources, and educational content.

We continuously work to improve and expand our services. Some features may be available only to premium subscribers or may require additional verification. We reserve the right to modify, suspend, or discontinue any service at our discretion.

User Accounts and Registration

To access certain features of our platform, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

We reserve the right to suspend or terminate accounts that violate these terms or engage in fraudulent, abusive, or illegal activities. You may close your account at any time through your account settings or by contacting our support team.

User Conduct and Prohibited Activities

When using our services, you agree to conduct yourself in a lawful and respectful manner. The following activities are strictly prohibited and may result in immediate account suspension or termination.

We monitor user activity to ensure compliance with these terms and applicable laws. Any suspicious activity will be investigated and may be reported to appropriate authorities. Users found in violation may face legal action in addition to account termination.

Privacy and Data Protection

Your privacy is important to us. We collect, use, and protect your personal and financial information in accordance with our Privacy Policy and applicable Canadian privacy laws. By using our services, you consent to our data practices as described in our Privacy Policy.

Data Security: We implement industry-standard security measures to protect your information, including encryption, secure servers, and regular security audits. However, no system is completely secure, and you acknowledge that you use our services at your own risk.

Data Retention: We retain your personal information only as long as necessary to provide our services and comply with legal obligations. You may request deletion of your data at any time, subject to legal and regulatory requirements.

Financial Information and Disclaimers

Mixenaz provides financial tools and educational content but does not provide personalized financial advice. All information on our platform is for educational purposes only and should not be considered as professional financial, investment, or tax advice.

While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness or accuracy of all content. Market conditions and financial regulations change frequently, and you should verify all information independently.

Intellectual Property Rights

All content, features, and functionality on the Mixenaz platform, including but not limited to text, graphics, logos, software, and design elements, are owned by Mixenaz or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to use our services for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission.

User Content: Any data, information, or content you upload to our platform remains your property. However, you grant us a license to use, store, and process this information to provide our services. We will not share your personal financial data with third parties without your consent, except as required by law.

Limitation of Liability

To the fullest extent permitted by law, Mixenaz and its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

Our total liability for any claims related to our services shall not exceed the amount you paid us in the twelve months preceding the claim. Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so these limitations may not apply to you.

Service Availability: We strive to maintain high service availability but cannot guarantee uninterrupted access. We are not liable for any damages resulting from service interruptions, technical difficulties, or system maintenance.

Indemnification

You agree to indemnify, defend, and hold harmless Mixenaz and its affiliates from any claims, damages, losses, or expenses arising from your use of our services, violation of these terms, or infringement of third-party rights.

This indemnification includes reasonable attorney fees and costs. We reserve the right to assume exclusive defense of any matter subject to indemnification, and you agree to cooperate with our defense efforts.

Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of Alberta, Canada, without regard to conflict of law principles. Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration in Edmonton, Alberta.

Before initiating formal proceedings, we encourage users to contact our support team to resolve disputes amicably. Many issues can be resolved quickly through direct communication.

Class Action Waiver: You agree to resolve disputes individually and waive the right to participate in class action lawsuits or collective arbitration proceedings.

Termination

Either party may terminate this agreement at any time. You may close your account through your account settings or by contacting support. We may suspend or terminate your account for violations of these terms or suspicious activity.

Upon termination, your right to use our services ceases immediately. We will retain your data according to our Privacy Policy and legal requirements. Some provisions of these terms will survive termination, including intellectual property rights and limitation of liability clauses.