Terms of Service (Tosan Capital)
Effective date: 9th January 2026
Welcome to tosancapital.com (the “Site”). These Terms of Service (“Terms”) govern your access to and use of the Site and any related content, products, services, digital downloads, coaching, communities, emails, or offerings provided by Tosan Capital (“we,” “us,” “our”).
By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.
1) Who we are
Business name: Tosan Capital
Website: tosancapital.com
Contact email: [support@tosancapital.com]
Business address: Available upon request
Company entity (if applicable): Haeylo LLC
Country/State of operation: United States of America
2) Eligibility
You must be at least 18 years old (or the age of majority where you live) to use this Site and purchase products/services.
3) What we provide (informational and educational services)
We may provide:
Educational content on personal finance, debt, credit, budgeting, and related topics
Digital products (e.g., templates, guides, starter kits)
Email content and lead magnets
Coaching, consulting, mentoring, or case reviews (if offered)
Affiliate recommendations or referrals to third-party providers (e.g., debt relief, financial tools)
Important: We are not a law firm, accounting firm, credit repair agency, or financial advisory firm unless explicitly stated. Nothing on this Site is legal, tax, or individualized financial advice.
4) No financial, legal, or professional advice
Content on the Site is provided for general informational and educational purposes only. You are responsible for your decisions and outcomes.
We do not guarantee any financial results, debt reduction amounts, credit score outcomes, approvals, or timelines.
You should consult qualified professionals (e.g., attorney, accountant, regulated financial advisor) before acting on any information.
5) Earnings and results disclaimer
Any testimonials, examples, or outcomes described on the Site are not typical and are not a promise of what you will achieve. Results vary based on many factors including your income, debts, creditor policies, consistency, and external circumstances.
6) Third-party links, tools, and services
The Site may contain links to third-party websites and services. We do not control those third parties and are not responsible for their content, policies, practices, or performance.
If you choose to use a third-party service (including debt relief companies, lenders, or financial platforms), you do so at your own risk and subject to their terms.
7) Affiliate disclosure
Some links on the Site may be affiliate links. This means we may earn a commission if you click or purchase through those links, at no extra cost to you. We only recommend tools or services we believe may be helpful, but you must do your own due diligence.
8) User accounts, forms, and accuracy of information
If you submit forms, register, opt in, or purchase, you agree to provide accurate and complete information and to update it as needed.
We may refuse service, suspend access, or cancel orders if we believe information is false, misleading, fraudulent, or violates these Terms.
9) Acceptable use
You agree not to:
Use the Site for unlawful, harmful, or fraudulent purposes
Attempt to gain unauthorized access to the Site, systems, or user data
Interfere with the Site’s performance or security
Copy, scrape, reverse engineer, or exploit the Site or its content without permission
Upload or transmit malware or harmful code
Harass, threaten, or abuse others
10) Intellectual property
All content on the Site (text, graphics, logos, videos, downloads, templates, and branding) is owned by or licensed to Tosan Capital and protected by intellectual property laws.
You may view and use the Site for personal, non-commercial purposes only unless we explicitly grant you a license.
License for digital products
When you purchase or download a digital product, you receive a limited, non-exclusive, non-transferable, revocable license for personal use only, unless a different license is stated at checkout.
You may not:
Resell, redistribute, share, or publicly post the materials
Use materials to create competing products
Claim the materials as your own
Share login access or community access (if applicable)
11) Purchases, payments, and checkout terms
If you purchase any product/service:
You authorize us (or our payment processor) to charge the payment method provided
Prices are listed in [USD/GBP] unless stated otherwise
You are responsible for applicable taxes, fees, or currency conversion charges
We may change pricing at any time. Price changes do not affect completed purchases.
12) Delivery of digital products
Digital products are typically delivered via:
Download link on a thank-you page
Email delivery
Member area access
You are responsible for ensuring you can receive emails from us (check spam/junk folders and whitelist our sending address).
13) Refund policy (digital products + services)
IMPORTANT: Because digital products are delivered immediately and cannot be “returned,” all sales are final unless otherwise stated.
Default policy (recommended):
Digital products: No refunds after delivery/download access, except where required by law.
Coaching/consulting/case review: Refund eligibility (if any) will be stated at checkout or in a separate agreement. Missed calls may be forfeited.
If you want a different refund policy, replace this section with your preferred rules.
To request support, contact: [support@tosancapital.com]
14) Chargebacks and payment disputes
If you have an issue, you agree to contact us first to resolve it. Fraudulent chargebacks may result in:
Loss of access to products/services
Disqualification from future purchases
Collection efforts where permitted by law
15) Subscriptions and recurring billing (if applicable)
If you offer subscriptions (membership/community/software):
You authorize recurring charges as disclosed at checkout
You can cancel per the cancellation instructions provided at signup/checkout
Access continues until the end of the billing period unless stated otherwise
16) Coaching / mentoring / community rules (if applicable)
If we provide coaching, mentoring, or access to a community:
You agree to behave respectfully
You may not share private community materials outside the community
We may remove users who violate guidelines, without refund, to protect the community
17) Privacy
Your use of the Site is also governed by our Privacy Policy and Cookie Policy, which explain how we collect and use information.
18) Disclaimers (no warranties)
THE SITE AND ALL CONTENT/PRODUCTS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, AND NON-INFRINGEMENT.
We do not guarantee the Site will be uninterrupted, secure, or error-free.
19) Limitation of liability
To the fullest extent permitted by law:
Tosan Capital will not be liable for indirect, incidental, special, consequential, or punitive damages
Our total liability for any claim related to the Site/products/services will not exceed the amount you paid us in the 12 months prior to the event giving rise to the claim (or $100 if you paid nothing)
Some jurisdictions do not allow certain limitations, so parts may not apply to you.
20) Indemnification
You agree to indemnify and hold harmless Tosan Capital from claims, losses, liabilities, damages, and expenses (including legal fees) arising from:
Your misuse of the Site
Your violation of these Terms
Your violation of any rights of another person/entity
21) Termination
We may suspend or terminate your access at any time if we reasonably believe you violated these Terms, abused the Site, or engaged in fraudulent or harmful behavior.
22) Changes to these Terms
We may update these Terms at any time. The updated version will be posted on this page with a new “Effective date.” Continued use of the Site after changes means you accept the updated Terms.
23) Governing law and jurisdiction
These Terms are governed by the laws of England & Wales, without regard to conflict of laws rules.
Any disputes will be handled exclusively in the courts located in the United Kingdom of Great Britain & Northern Ireland, unless otherwise required by law.
24) Dispute resolution (optional)
If you want an extra step before court, you can include this:
Before filing a claim, you agree to contact us at [support@tosancapital.com] and attempt to resolve the dispute informally within 30 days.
25) Contact
Questions about these Terms? Contact:
Tosan Capital
Email: [support@tosancapital.com]
Address: [Insert address or “Available upon request”]