Terms of Use

1. Acceptance of Terms

These Terms of Use constitute a legally binding agreement between you and Srontave Xispello. Your continued use of our website and services confirms your acceptance of these terms and any future modifications we may make.

We reserve the right to update these terms at any time. When we make significant changes, we'll post the revised terms on this page and update the "Last Updated" date. You're responsible for reviewing these terms periodically. Continued use after changes means you accept the modified terms.

2. Description of Services

Srontave Xispello provides educational content, resources, and programs focused on financial record management and financial literacy. Our services include but aren't limited to:

• Educational courses and learning materials about financial record keeping
• Informational resources about personal and business finance management
• Access to learning programs designed for various skill levels
• Community resources and educational support materials

We're based in Tel Aviv-Yafo, Israel, and our services are provided primarily through our online platform. Our content is designed for educational purposes and doesn't constitute professional financial advice.

3. User Eligibility and Registration

Age Requirements

You must be at least 18 years old to use our services independently. If you're under 18, you may only use our services with the involvement and consent of a parent or legal guardian who agrees to be bound by these terms.

Account Registration

Some features of our platform require you to create an account. When registering, you agree to provide accurate, current, and complete information. You're responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You must notify us immediately of any unauthorized use of your account or any other breach of security. We won't be liable for any loss or damage arising from your failure to protect your account information.

4. User Conduct and Responsibilities

When using our platform, you agree to conduct yourself appropriately and respect the rights of others. Specifically, you agree not to:

• Use our services for any unlawful purpose or in violation of any applicable laws or regulations
• Attempt to gain unauthorized access to any portion of our platform, other users' accounts, or any systems or networks connected to our services
• Interfere with or disrupt the integrity or performance of our platform or the data contained therein
• Transmit any viruses, malware, or other malicious code through our services
• Collect or harvest any personally identifiable information from other users without their express consent
• Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity
• Use our content or materials for commercial purposes without our prior written consent
• Post or transmit any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable

We reserve the right to terminate or suspend your access to our services immediately, without prior notice, for any breach of these conduct rules.

5. Intellectual Property Rights

Our Content

All content on srontavexispello.info, including text, graphics, logos, images, audio clips, video, data compilations, and software, is the property of Srontave Xispello or our content suppliers and is protected by international copyright laws.

The compilation of all content on this site is our exclusive property and is protected by international copyright laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any of our content without our express written permission.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our platform for personal, educational purposes only. This license doesn't include any right to:

1. Resell or make commercial use of our services or content
2. Download or copy account information for the benefit of another merchant
3. Use data mining, robots, or similar data gathering and extraction tools
4. Make derivative uses of our services or content

6. Educational Content Disclaimer

The information and educational content provided through Srontave Xispello is for general educational purposes only. While we strive to provide accurate and up-to-date information about financial record management, our content should not be considered professional financial, legal, or tax advice.

Financial management involves complex considerations that vary based on individual circumstances. Before making any financial decisions, you should consult with qualified professionals who can assess your specific situation.

We don't guarantee any specific outcomes from participating in our programs. Your success depends on various factors including your dedication, prior knowledge, market conditions, and how you apply the concepts learned.

7. Payment Terms and Refund Policy

Payment Processing

For paid services or programs, payment is required prior to access. We accept various payment methods as indicated during the checkout process. All prices are stated in the currency specified on our website and may be subject to applicable taxes.

Refund Requests

We want you to be satisfied with our educational programs. If you're not completely satisfied, you may request a refund within 14 days of purchase, provided you haven't accessed more than 25% of the course content.

To request a refund, contact us at the information provided at the end of this document. Refunds are processed within 10 business days of approval and will be returned to your original payment method.

Non-Refundable Items

Certain items and services aren't eligible for refunds, including downloadable resources after download, one-on-one consultation sessions after they've been conducted, and special promotional or discounted offerings clearly marked as non-refundable at the time of purchase.

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms of Use by reference.

By using our services, you consent to our collection and use of your information as described in our Privacy Policy. We comply with applicable data protection laws, including considerations for users in different jurisdictions.

You have certain rights regarding your personal data, including the right to access, correct, or delete your information. To exercise these rights, please contact us using the information provided below.

9. Third-Party Links and Services

Our platform may contain links to third-party websites, services, or resources that aren't owned or controlled by Srontave Xispello. We provide these links for your convenience, but we don't endorse or assume responsibility for the content, privacy policies, or practices of any third-party sites or services.

When you access third-party websites, you do so at your own risk. We strongly advise you to review the terms and privacy policies of any third-party sites you visit.

We aren't responsible for any loss or damage that may arise from your use of third-party services or your reliance on information provided by third parties.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Srontave Xispello, its directors, employees, partners, agents, suppliers, or affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, use, or other intangible losses, resulting from:

• Your access to or use of (or inability to access or use) our services
• Any conduct or content of any third party on our services
• Any content obtained from our services
• Unauthorized access, use, or alteration of your transmissions or content

Our total liability to you for any claims arising from or related to these terms or your use of our services shall not exceed the amount you paid to us in the twelve months preceding the claim, or one hundred US dollars, whichever is greater.

Some jurisdictions don't allow the exclusion of certain warranties or the limitation of liability for certain types of damages. If these laws apply to you, some or all of the above disclaimers or limitations may not apply, and you may have additional rights.

11. Indemnification

You agree to defend, indemnify, and hold harmless Srontave Xispello and its officers, directors, employees, contractors, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

1. Your violation of these Terms of Use
2. Your use of our services, including any data or content transmitted or received by you
3. Your violation of any rights of another person or entity
4. Any breach of your representations and warranties set forth in these terms

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of these claims.

12. Termination and Suspension

We may terminate or suspend your account and access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms of Use.

Upon termination, your right to use our services will cease immediately. If you wish to terminate your account, you may simply discontinue using our services or contact us to request account deletion.

All provisions of these terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

13. Dispute Resolution

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of Israel, without regard to its conflict of law provisions.

Informal Resolution

Before filing a formal claim, you agree to contact us and attempt to resolve any dispute informally. We'll do our best to resolve the issue through good-faith negotiations. Most concerns can be resolved quickly this way.

Jurisdiction

Any legal action or proceeding arising under these terms will be brought exclusively in the courts located in Tel Aviv-Yafo, Israel, and you consent to the personal jurisdiction and venue of such courts.

14. General Provisions

Entire Agreement

These Terms of Use, together with our Privacy Policy and any other legal notices or policies published on our website, constitute the entire agreement between you and Srontave Xispello regarding your use of our services.

Severability

If any provision of these terms is found to be invalid or unenforceable by a court of law, such invalidity or unenforceability won't affect the remaining provisions, which will continue in full force and effect.

Waiver

Our failure to enforce any right or provision of these terms won't be considered a waiver of those rights. Any waiver of any provision will be effective only if made in writing and signed by us.

Assignment

You may not assign or transfer these terms or your rights under them without our prior written consent. We may assign our rights and obligations under these terms without restriction.

Force Majeure

We won't be liable for any failure or delay in performing our obligations under these terms due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, or failure of third-party services.

15. Changes to Our Services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without notice. We may also impose limits on certain features or restrict access to parts or all of our services without notice or liability.

We're constantly working to improve our educational offerings. This means we may add new features, remove existing features, or change how features work. While we'll try to notify you of significant changes, we can't guarantee advance notice for all modifications.

16. User-Generated Content

Some areas of our platform may allow you to post comments, questions, or other content. By submitting content to our platform, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display that content in connection with our services.

You represent and warrant that you own or have the necessary rights to any content you submit, and that your content doesn't violate the rights of any third party or any applicable laws.

We reserve the right (but don't have the obligation) to monitor, edit, or remove any user-generated content that we determine, in our sole discretion, violates these terms or is otherwise objectionable.

17. Feedback and Suggestions

We welcome your feedback about our services. However, you agree that we're free to use any feedback, comments, or suggestions you provide without any obligation to compensate you for them.

By submitting feedback, you grant us an unrestricted, perpetual license to use and incorporate that feedback into our services without attribution or compensation.