Please read these terms carefully before using our website or engaging with our financial consulting and educational services.
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you", or "your") and KOCHO GROUP LIMITED ("Company", "we", "us", or "our"), a company registered in England and Wales with its office at 4th Floor, Waverly House, Noel Street, London, W1F 8GQ, United Kingdom. These Terms govern your access to and use of our website and all related services, including financial consulting, financial planning, and educational courses provided by the Company.
By accessing, browsing, or using this website in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree with any part of these Terms, you must not use this website or any of our services.
You represent and warrant that you are at least 18 years of age or the age of majority in your province or territory of residence, whichever is greater. If you are accessing or using our services on behalf of a business entity, you represent that you have the authority to bind that entity to these Terms, and the terms "you" and "your" will refer to that entity.
Your continued use of this website after any modifications to these Terms have been posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically to stay informed about your rights and obligations.
KOCHO GROUP LIMITED provides financial consulting, financial planning, and educational programs tailored to the Canadian financial environment. Our services are designed to help individuals and businesses improve their understanding of financial concepts and develop practical strategies for managing personal and business finances.
Our primary service categories include:
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice, though we will make reasonable efforts to inform active clients of material changes. Service availability may vary based on scheduling, specialist availability, and demand.
The information and guidance provided through our services are intended for educational and informational purposes. They do not constitute regulated financial advice, and we do not hold ourselves out as licensed financial advisors under Canadian provincial or territorial regulatory frameworks. Our specialists participate as invited experts offering general educational guidance.
When using our website and services, you agree to the following obligations and restrictions:
You are solely responsible for ensuring the accuracy and completeness of any information you provide to us, including data submitted through forms on this website. Providing false, misleading, or incomplete information may result in the suspension or termination of your access to our services.
All content on this website, including but not limited to text, graphics, images, logos, icons, photographs, audio and video materials, course curricula, worksheets, templates, presentation materials, data compilations, and software, is the property of KOCHO GROUP LIMITED or its content providers and is protected by applicable intellectual property laws, including copyright, trademark, and trade secret laws of the United Kingdom, Canada, and international jurisdictions.
The KOCHO GROUP LIMITED name, logo, and all associated branding elements are trademarks of the Company. You may not use these marks without our prior written authorization.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use this website and its content for personal, non-commercial purposes only. This license does not permit you to:
Any unauthorized use of our intellectual property may result in termination of this license and may expose you to civil and criminal liability.
This website and all services provided by KOCHO GROUP LIMITED are offered on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory.
To the fullest extent permitted by applicable law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy. We do not warrant that:
All information on this website is provided for general informational and educational purposes only. It does not constitute professional financial, legal, tax, or investment advice. You should consult a qualified and licensed professional before making financial decisions. Our specialists participate as invited experts and provide educational guidance that is general in nature.
KOCHO GROUP LIMITED does not guarantee specific financial results or outcomes. Any financial decisions you make based on information obtained through our website or services are made entirely at your own risk and discretion.
To the maximum extent permitted by applicable law, KOCHO GROUP LIMITED, its directors, officers, employees, affiliates, agents, contractors, and invited specialists shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or in connection with:
This limitation applies regardless of the theory of liability, whether based on warranty, contract, tort (including negligence), strict liability, or any other legal theory, even if the Company has been advised of the possibility of such damages.
In no event shall the total aggregate liability of KOCHO GROUP LIMITED to you for all claims arising out of or relating to these Terms or your use of the website and services exceed the total amount you have paid to the Company in the twelve (12) months preceding the event giving rise to the claim, or one hundred British pounds (GBP 100), whichever is greater.
You agree to indemnify, defend, and hold harmless KOCHO GROUP LIMITED, its directors, officers, employees, affiliates, agents, and invited specialists from and against any and all claims, demands, actions, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to:
This indemnification obligation shall survive the termination or expiration of these Terms and your use of the website.
This website may contain links to third-party websites, services, or resources that are not owned, operated, or controlled by KOCHO GROUP LIMITED. These links are provided for your convenience and informational purposes only. We do not endorse and are not responsible for the content, accuracy, privacy practices, or policies of any third-party websites.
Your interactions with third-party websites are solely between you and the relevant third party. We strongly encourage you to review the terms of service and privacy policies of any third-party website you visit through links found on our website.
KOCHO GROUP LIMITED shall not be liable for any damages or losses, whether direct or indirect, arising from your use of or reliance on any content, goods, or services available on or through any third-party website or resource.
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms an integral part of these Terms of Service. By using this website and our services, you consent to the data practices described in our Privacy Policy.
We collect personal data through consultation request forms and course enrollment processes. This data includes your name, email address, phone number, and any additional information you voluntarily provide. This data is used exclusively to process your inquiry, deliver the services you have requested, and communicate with you about your engagement with us.
We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, loss, or alteration. For full details regarding our data collection, processing, storage, and your rights, please refer to our Privacy Policy.
These Terms of Service and any disputes arising from or related to them shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law principles.
You agree that any legal action, proceeding, or litigation arising out of or related to these Terms or your use of our website and services shall be brought exclusively in the courts of England and Wales, and you irrevocably submit to the personal jurisdiction of such courts.
If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.
In the event of any dispute, claim, or controversy arising out of or relating to these Terms or your use of our website and services, both parties agree to first attempt to resolve the matter through informal negotiation. You may initiate this process by sending a written description of your concern to our contact email address provided in Section 14 below.
We will make reasonable efforts to respond to your communication within fourteen (14) business days and to work toward a mutually acceptable resolution within thirty (30) days from the date of your initial written notice.
If informal negotiation does not resolve the dispute within the thirty-day period, either party may pursue binding arbitration administered under the rules of the London Court of International Arbitration (LCIA). The arbitration shall take place in London, England, and shall be conducted in English. The arbitrator's decision shall be final and binding on both parties.
Nothing in this section prevents either party from seeking injunctive or other equitable relief from a court of competent jurisdiction where necessary to prevent irreparable harm.
KOCHO GROUP LIMITED reserves the right to suspend or terminate your access to this website and our services, in whole or in part, at any time and for any reason, including but not limited to:
Upon termination, your right to use the website and access our services will cease immediately. Sections of these Terms that by their nature should survive termination, including but not limited to Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Governing Law, and Dispute Resolution, shall continue to apply after termination.
You may also terminate your relationship with us at any time by discontinuing use of the website and notifying us in writing if you have an active service engagement.
We reserve the right to update, modify, or replace any part of these Terms of Service at our sole discretion. When we make changes, we will update the "Last Updated" date at the top of this page and, for material changes, post a notice on our homepage at least fourteen (14) days before the revised Terms take effect.
It is your responsibility to review these Terms periodically for changes. Your continued use of the website after any changes to the Terms constitutes your acceptance of the updated Terms. If you do not agree with the revised Terms, you must stop using the website and our services.
For active clients with ongoing service engagements, we will provide direct email notification of any material changes to these Terms at least fourteen (14) days in advance.
If you have any questions, concerns, or requests regarding these Terms of Service, please contact us using the information below:
Legal Entity
KOCHO GROUP LIMITED
Registered Address
4th Floor, Waverly House, Noel Street, London, W1F 8GQ, United Kingdom
Phone
+44 20 7183 4580These Terms of Service, together with our Privacy Policy and Cookies Policy, constitute the entire agreement between you and KOCHO GROUP LIMITED regarding your use of this website and our services, and supersede all prior or contemporaneous communications, representations, and agreements, whether oral or written.
No waiver of any term or condition in these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.