Terms & Conditions

Last updated: November 27, 2025

Welcome to Lovetalks Consulting (“we”, “us”, “our”). These Terms & Conditions (“Terms”) govern your use of our website at ronketaiwo.com (the “Site”) and any products, services, digital goods, courses, subscriptions, or donations offered through it.

By accessing or using this Site, you agree to these Terms. If you do not agree, please discontinue use of the Site.

1. Acceptance of Terms

By using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as all applicable laws and regulations in Canada.

If you do not agree, you must not access or use the Site.

2. Changes to Terms

We may update or modify these Terms at any time. Revised Terms take effect upon posting on the Site. Continued use of the Site constitutes acceptance of all changes.

3. Use of the Website

You agree not to:

  • Use the Site for unlawful purposes

  • Attempt unauthorized access to data, servers, or accounts

  • Upload or transmit harmful code, malware, or spam

  • Use content for commercial purposes without permission

  • Interfere with Site functionality or security

4. User Accounts

Where applicable:

  • You must provide accurate information when creating an account.

  • You are responsible for safeguarding your login credentials.

  • We may suspend or terminate accounts suspected of fraud, misuse, or violation of these Terms.

5. Intellectual Property Rights

All content on the Site—including text, images, graphics, videos, downloadable materials, digital products, logos, branding, and course materials—is the property of Lovetalks Consulting or its licensors.

You may not copy, reproduce, resell, or redistribute any content without our explicit written permission.

6. User-Generated Content

If you submit content (e.g., comments, reviews, uploads), you grant us a non-exclusive, royalty-free, worldwide license to use and display that content on the Site.

You agree not to submit:

  • Defamatory or offensive content

  • Copyrighted material without permission

  • False, misleading, or harmful information

We may remove content at our discretion.

7. Third-Party Links

The Site may contain links to third-party websites. We do not control or endorse these websites and are not responsible for their content, practices, or policies.

Your use of third-party sites is at your own risk.

8. E-Commerce Terms

8.1 Digital Products & Services

We may offer digital products, courses, downloadable content, consulting sessions, and online training.

Upon purchase:

  • You receive a non-transferable, non-exclusive license for personal use only.

  • Digital products are delivered electronically via email, user dashboard, or link.

  • Sharing, reselling, or distributing digital files is strictly prohibited.

8.2 Physical Products (If Applicable)

If physical products are offered, shipping times and availability will be displayed at checkout.

8.3 Refund Policy

Digital Products

Because digital products are accessible immediately after purchase, all sales are final and non-refundable, except where required by Canadian law or when a technical error prevents access.

Online Courses / Coaching / Consultations

Refunds for programs or consulting services may vary depending on the specific product or service purchased. Unless otherwise stated on the product page:

  • Consulting and coaching sessions are non-refundable once scheduled.

  • Online courses are non-refundable after access has been granted.

If a product page includes its own refund conditions, those conditions apply.

Physical Products

If physical items are sold:

  • You may request a refund within 14 days of delivery if the item is defective or damaged upon arrival.

  • Items must be unused and in original packaging.

  • Return shipping costs may be the responsibility of the buyer unless prohibited by law.

To request a refund, contact us at info@ronketaiwo.com.

8.4 Shipping Policy (If Applicable)

  • Shipping methods, fees, and estimated delivery times will be shown at checkout.

  • Delivery times vary based on your location in Canada or internationally.

  • We are not responsible for delays caused by carriers, customs, or unforeseen events.

  • Customers are responsible for providing accurate shipping addresses.
    Packages returned due to incorrect addresses may incur additional shipping costs.

8.5 Donations

If donations or giving options are available through the Site:

  • Donations are voluntary and non-refundable unless required by Canadian law.

  • You may receive an email confirmation or receipt depending on the platform used.

  • Donors are responsible for ensuring their information is accurate.

8.6 Subscriptions / Memberships

If the Site offers memberships or recurring subscriptions:

  • You authorize recurring billing at the stated interval (e.g., monthly or annually).

  • You may cancel your subscription at any time through your account or by emailing us.

  • Cancellation prevents future charges but does not automatically issue refunds for previously billed periods.

  • Access to subscription content ends when the paid period expires.

9. Payment Processing

Payments may be processed by trusted third-party providers such as Stripe, PayPal, or other processors.

We do not store or have access to full credit card details.

Your use of payment processors is subject to their terms and privacy policies.

10. Disclaimers

The Site and all products/services are provided “as is” without warranties of any kind.

We do not guarantee:

  • That the Site will be error-free or uninterrupted

  • Accuracy, completeness, or reliability of content

  • Specific results from our programs, consulting, or digital resources

To the fullest extent permitted by Canadian law, we disclaim all warranties, express or implied.

11. Limitation of Liability

Lovetalks Consulting, its owners, staff, affiliates, and partners are not liable for any:

  • Direct, indirect, incidental, consequential, or special damages

  • Loss of income, business, data, or reputation

  • Service interruptions or technical issues

arising from your use of the Site or products.

Your use of the Site is at your own risk.

12. Indemnification

You agree to indemnify and hold harmless Lovetalks Consulting and its affiliates from any claims, damages, losses, liabilities, or expenses resulting from:

  • Your use of the Site

  • Violation of these Terms

  • Infringement of third-party rights

13. Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

14. Termination

We may suspend or terminate access to the Site or your account without notice if:

  • You violate these Terms

  • Fraud or misuse is suspected

  • We decide to discontinue the Site or certain services

Upon termination, your rights to use the Site cease immediately.

15. Governing Law

These Terms are governed by the laws of Canada and the applicable provincial laws.
Any disputes shall be resolved in courts located within Canada.

16. Severability

If any part of these Terms is found to be invalid or unenforceable, the remaining provisions remain effective.

17. Contact Information

For questions about these Terms or any product/service:

Lovetalks Consulting
Website: https://ronketaiwo.com
Email: info@ronketaiwo.com
Address:

PO Box 46021

Winnipeg RPO

Westdale, MB

R3R 3S3

Canada