Terms of Use

Last Updated: June 15, 2025

These Terms of Use govern your access to and use of the services, platform, and content provided by Karbeslimo ("we," "us," or "our") through karbeslimo.biz and any related applications or tools. By accessing or using our platform, you confirm that you have read, understood, and agree to be bound by these terms. If you do not agree, you must discontinue use immediately.

1. Acceptance of Terms

Your continued use of the platform constitutes ongoing acceptance of these Terms of Use and any updates made to them. We reserve the right to modify these terms at any time. Changes take effect upon posting to the platform. It is your responsibility to review these terms periodically.

2. Eligibility

You must be at least 18 years of age to create an account and use the platform independently. Users between the ages of 13 and 17 may access the platform only with verified parental or guardian consent. By using the platform, you represent that you meet these eligibility requirements.

3. User Accounts

3.1 Account Registration

To access certain features, you must register for an account. You agree to provide accurate, current, and complete information during registration and to keep your account information up to date at all times.

3.2 Account Security

You are solely responsible for maintaining the confidentiality of your login credentials. You must not share your account with any other person. You agree to notify us immediately at [email protected] if you suspect unauthorized access to your account.

3.3 Account Termination

We reserve the right to suspend or terminate your account at our discretion if you violate these terms or engage in conduct that we determine to be harmful to other users, instructors, or the platform.

4. Platform Services

Karbeslimo provides an online educational platform offering group sessions, individual lessons, personalized learning paths, and live instructor interaction focused on weekly budgeting and related financial literacy topics. The availability, format, and content of sessions may change without prior notice.

5. Permitted Use

You agree to use the platform solely for lawful, personal, and non-commercial educational purposes. You must not:

• Copy, reproduce, distribute, or publicly display any platform content without prior written permission
• Attempt to gain unauthorized access to any part of the platform or its infrastructure
• Use automated tools, bots, scrapers, or scripts to extract content or data
• Impersonate any person, instructor, or entity
• Interfere with or disrupt the integrity or performance of the platform
• Use the platform to transmit unsolicited communications or promotional material
• Engage in any activity that violates applicable laws or regulations

6. Intellectual Property

6.1 Platform Content

All content on the platform, including but not limited to course materials, videos, text, graphics, logos, and session recordings, is the exclusive property of Karbeslimo or its licensors and is protected by applicable intellectual property laws. No content may be reproduced or used outside the platform without explicit written consent.

6.2 User-Generated Content

By submitting content to the platform — including messages, comments, assignments, or feedback — you grant Karbeslimo a non-exclusive, royalty-free, worldwide license to use, display, and distribute such content for the purpose of operating and improving the platform. You retain ownership of your submissions.

6.3 Feedback

Any feedback, suggestions, or ideas you provide regarding the platform may be used by us freely and without obligation or compensation to you.

7. Payments and Refunds

7.1 Fees

Access to certain features, sessions, or learning paths may require payment. All applicable fees are displayed at the point of purchase. Prices are subject to change with reasonable notice.

7.2 Billing

By completing a purchase, you authorize Karbeslimo to charge the applicable fees to your chosen payment method. Subscription fees, where applicable, are billed on a recurring basis until cancelled.

7.3 Refund Policy

Refund eligibility is determined on a case-by-case basis in accordance with our refund guidelines. To request a refund, contact us at [email protected] within the applicable request window stated at the time of purchase. We reserve the right to deny refund requests that do not meet our stated criteria.

8. Privacy

Your use of the platform is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. By using the platform, you consent to the collection and use of your data as described in that policy.

9. Third-Party Services

The platform may contain links to or integrations with third-party websites, tools, or services. We do not control and are not responsible for the content, privacy practices, or terms of any third-party service. Accessing third-party services is at your own risk.

10. Disclaimers

The platform and all content provided through it are offered on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the platform will be uninterrupted, error-free, or free of harmful components. Educational content is provided for informational purposes only and does not constitute professional financial, legal, or accounting advice.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Karbeslimo shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the platform, even if we have been advised of the possibility of such damages. Our total liability for any claim arising from these terms or your use of the platform shall not exceed the total amount you paid to us in the three months preceding the event giving rise to the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Karbeslimo, its officers, employees, contractors, and licensors from and against any claims, liabilities, damages, losses, or expenses, including reasonable legal fees, arising out of your use of the platform, your violation of these terms, or your infringement of any third-party rights.

13. Modifications to the Platform

We reserve the right to modify, suspend, or discontinue any part of the platform at any time with or without notice. We shall not be liable to you or any third party for any such modification, suspension, or discontinuation.

14. Governing Terms

These Terms of Use represent the entire agreement between you and Karbeslimo with respect to your use of the platform and supersede all prior agreements, representations, or understandings. If any provision of these terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

15. Contact

If you have questions or concerns about these Terms of Use, please contact us: