Terms of Use

These Terms of Use govern your access to and use of the services, platform, and content provided by Kubanefro ("we," "us," or "our") through kubanefro.biz and any related applications or tools. By accessing or using our services, 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.

Your access to and use of our platform constitutes your acceptance of these Terms of Use in full. These terms apply to all visitors, registered users, learners, instructors, and any other individuals who interact with the platform in any capacity. We reserve the right to update or modify these terms at any time. Continued use of the platform after changes are posted constitutes acceptance of the revised terms.

You must be at least 16 years of age to use this platform independently. Users under the age of majority in their jurisdiction must have parental or guardian consent. By using this platform, you represent and warrant that you meet all applicable eligibility requirements and that all information you provide is accurate and complete.

Certain features of the platform require you to create an account. You agree to provide accurate, current, and complete information during registration and to keep your account information updated. Each account is personal and may not be shared with or transferred to another individual.

You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately at [email protected] if you suspect any unauthorized access or security breach. We are not liable for any loss or damage resulting from your failure to protect your account credentials.

We reserve the right to suspend or terminate your account at our sole discretion, without prior notice, if we determine that you have violated these terms or engaged in conduct that is harmful to other users, third parties, or the integrity of the platform.

Kubanefro provides an online educational platform offering group sessions, individual lessons, personalized learning paths, and live interaction with instructors on the subject of personal budgeting. The specific features and availability of services may vary and are subject to change at any time without prior notice.

We strive to maintain continuous availability of the platform but do not guarantee uninterrupted access. The platform may be temporarily unavailable due to maintenance, updates, technical issues, or factors beyond our reasonable control. We are not liable for any inconvenience or loss resulting from service interruptions.

We reserve the right to add, modify, suspend, or discontinue any feature or component of the platform at any time. We are not obligated to provide prior notice of such changes, and we shall not be held liable to you or any third party for any modification, suspension, or discontinuation of services.

By using this platform, you agree not to engage in any of the following prohibited activities:

• Using the platform for any unlawful purpose or in violation of any applicable regulations
• Posting, transmitting, or sharing content that is defamatory, abusive, harassing, threatening, obscene, or otherwise objectionable
• Impersonating any person or entity or misrepresenting your affiliation with any person or entity
• Attempting to gain unauthorized access to any part of the platform, other user accounts, or our systems
• Introducing viruses, malware, or any other harmful code into the platform
• Scraping, crawling, or using automated means to extract data from the platform without prior written permission
• Reproducing, distributing, or commercially exploiting any platform content without authorization
• Interfering with or disrupting the integrity or performance of the platform or its related services
• Engaging in any activity that places an unreasonable or disproportionate load on our infrastructure

All content available on the platform, including but not limited to course materials, lesson plans, videos, audio recordings, graphics, text, software, and learning tools, is the exclusive property of Kubanefro or its licensors and is protected by applicable intellectual property laws. No content may be reproduced, distributed, modified, or used for commercial purposes without our prior written consent.

When you submit, post, or share content on the platform — including comments, feedback, forum posts, or session contributions — you grant us a non-exclusive, royalty-free, worldwide licence to use, reproduce, modify, and display such content for the purpose of operating and improving the platform. You represent that you own or have the necessary rights to the content you submit and that it does not infringe any third-party rights.

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

Access to certain services or content on the platform may require payment of fees. All applicable fees will be clearly disclosed prior to purchase. You agree to provide accurate billing information and authorize us to charge the applicable fees to your designated payment method.

Refund eligibility is determined on a case-by-case basis in accordance with the specific terms presented at the time of purchase. Unless otherwise stated, all fees are non-refundable once access to a course or session has been granted. To request a refund, contact us at [email protected] within the period specified in your purchase terms.

We reserve the right to modify pricing at any time. Changes to pricing will not affect purchases already completed. We will endeavour to provide reasonable advance notice of any pricing changes that affect active subscriptions.

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 information as described in the Privacy Policy. We are committed to handling your personal data responsibly and in accordance with applicable data protection standards.

The platform may contain links to third-party websites, tools, or services that are not owned or controlled by us. We do not endorse, verify, or assume responsibility for any third-party content, privacy practices, or services. Your interactions with third-party services are governed solely by their own terms and policies. We encourage you to review the terms of any third-party service before use.

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 expressly disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the platform will be error-free, uninterrupted, secure, or free from harmful components.

Educational content on the platform is provided for informational purposes only and does not constitute professional financial advice. You should seek independent professional advice before making any financial decisions.

To the fullest extent permitted by applicable law, Kubanefro and its officers, directors, employees, contractors, and affiliates shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages arising from or related to your use of or inability to use the platform, even if we have been advised of the possibility of such damages. Our total cumulative liability to you for any claim arising under these terms shall not exceed the amount you paid to us in the twelve months preceding the event giving rise to the claim.

You agree to indemnify, defend, and hold harmless Kubanefro and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with your use of the platform, your violation of these Terms of Use, or your infringement of any third-party rights.

In the event of any dispute arising from or related to these Terms of Use or your use of the platform, you agree to first contact us at [email protected] to seek an informal resolution. We will make reasonable efforts to resolve disputes in good faith within a reasonable time. If an informal resolution cannot be reached, the parties agree to pursue resolution through binding arbitration or other mutually agreed dispute resolution mechanisms, to the extent permitted by applicable law.

These Terms of Use represent the entire agreement between you and Kubanefro with respect to the subject matter herein and supersede all prior or contemporaneous communications, representations, or agreements, whether written or oral. If any provision of these terms is found to be unenforceable, the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision shall not constitute a waiver of that right or provision.

We may revise these Terms of Use periodically to reflect changes in our services, practices, or legal requirements. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, notify users through the platform or by email. Your continued use of the platform following the posting of changes constitutes your acceptance of those changes.

If you have any questions, concerns, or requests regarding these Terms of Use, please contact us using the details below:

These Terms of Use are effective as of the date indicated above and apply to all users of the Kubanefro platform worldwide.