Terms & Conditions

- Using the Site means you accept these Terms and our Privacy Policy. Terms may change; continued use = acceptance.

- All Site content is ours or licensed. Personal, noncommercial use only. No copying, distributing, or derivatives without permission. You may print one copy for personal use with notices intact.

- If you submit content, you confirm rights and grant us a worldwide, perpetual license to use it. We may identify you as the author.

- You may link to the Site if you don’t imply our sponsorship. No framing or inlining without written permission.

- Third‑party links don’t equal endorsement. We aren’t responsible for third‑party content, products, or services.

- The Site is provided “as is,” without warranties. We don’t guarantee accuracy, uptime, or that the Site is virus‑free.

- You indemnify us for losses arising from your breach of these Terms.

- Online purchases may involve third parties with their own policies. You’re responsible for lawful, personal‑use purchases only. Sharing paid materials is prohibited. Access may be suspended on payment failure until resolved.

- Interactive areas: you’re responsible for what you post. No illegal, infringing, or harmful content or activity.

- Registration may require accurate personal info; keep your password secure and notify us of breaches.

- We aren’t liable for direct or indirect damages from using the Site. If dissatisfied, stop using it.

- No financial, legal, tax, or investment advice is provided. Educational information only.

- We may terminate access anytime. Certain provisions survive termination.

- Refunds vary by product or event; see the specific policy.

- DMCA: send proper notices or counter‑notices per statute to our listed agent.

- Assignment allowed by us; you generally can’t assign without consent.

- Governing law and binding arbitration in your stated jurisdiction. If a clause is invalid, the rest still applies.

- We may update this policy by posting changes. Contact us at your listed support email for questions.