Terms and Conditions

Effective Date: December 20, 2025

By accessing or using this website and our services, you agree to comply with and be bound by these Terms of Use. If you do not agree, please do not use our website or services.

1. Nature of Services

Ruthie Nuza provides:

• Financial education
• Business planning guidance
• Workshops, webinars, and consultations

All content is provided for educational and informational purposes only and should not be considered legal, tax, accounting, or investment advice.

2. No Guarantees or Promises

We do not guarantee:

• Specific financial outcomes
• Business success
• Income levels or profitability

Results vary depending on individual circumstances, effort, and external factors.

3. User Responsibilities

By using our services, you agree to:

• Provide accurate and truthful information
• Use the content for personal, non-commercial purposes only
• Not copy, distribute, or resell our materials without written permission
• Not misuse the website or attempt unauthorized access

4. Payments, Refunds, and Cancellations

Paid programs, consultations, or events are subject to the terms stated at the point of purchase.

Fees are generally non-refundable unless otherwise stated in writing.

We reserve the right to cancel or reschedule events with reasonable notice.

5. Intellectual Property

All content on this website, including text, videos, worksheets, logos, and materials, is the property of RSJ Experts Cap Consultancy and is protected by Philippine intellectual property laws.

Unauthorized use is strictly prohibited.

6. Limitation of Liability

To the fullest extent permitted by Philippine law, RSJ Experts Cap Consultancy shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of our website or services.

Participation in our programs is voluntary and at your own discretion.

7. Third-Party Links and Platforms

Our website or communications may contain links to third-party platforms (such as Zoom or payment processors). We are not responsible for their content, policies, or practices.

8. Governing Law

These Terms of Use shall be governed by and interpreted in accordance with the laws of the Republic of the Philippines.

9. Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Continued use of the website constitutes acceptance of the updated terms.

10. Contact Information