Terms and Conditions

These Terms and Conditions establish the legal framework governing your relationship with Gurtoviy Zernovik and your use of our educational platform. By creating an account, browsing our content, or enrolling in any course, you acknowledge your acceptance of these binding terms. Should you find any provision unacceptable, we kindly ask that you refrain from using our services.

1. Definitions

For the purposes of these Terms:

• "Company," "we," "us," or "our" refers to Gurtoviy Zernovik, Registration Number 43307737, located at Largo Valdez, 2381. Fundos, Vila Renan, 98598-600, Brazil
• "Services" refers to our website, online courses, educational materials, and related services
• "User," "you," or "your" refers to any individual or entity accessing our Services
• "Content" refers to all text, images, videos, audio, courses, and other materials provided through our Services
• "Account" refers to your registered user account on our platform

2. Acceptance of Terms

By accessing or using Gurtoviy Zernovik, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and Gurtoviy Zernovik.

3. Eligibility

To use our Services, you must:

• Be at least 16 years of age
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using our Services under applicable laws
• Provide accurate and complete registration information

If you are under 18 years of age, you may only use our Services with the involvement and consent of a parent or legal guardian.

4. Account Registration and Security

4.1 Account Creation

To access certain features and courses, you must create an account by providing:

• Valid email address
• Secure password
• Accurate personal information

4.2 Account Responsibilities

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Ensuring your account information remains accurate and up-to-date

4.3 Account Termination

We reserve the right to suspend or terminate your account if:

• You violate these Terms
• You engage in fraudulent or illegal activities
• You abuse or misuse our Services
• Your account remains inactive for an extended period

5. Course Enrollment and Access

5.1 Course Purchase

When you enroll in a course, you agree to:

• Pay the stated course fee
• Provide accurate payment information
• Accept our pricing and payment terms

5.2 Access Rights

Upon successful payment, you receive:

• Non-exclusive, non-transferable access to course materials
• Personal use rights only (no commercial use)
• Access for the duration specified at purchase
• Updates and improvements to course content

5.3 Course Completion

Course completion certificates are issued when:

• All required modules are completed
• Assessments are successfully passed (if applicable)
• Course requirements are met within the access period

6. Intellectual Property Rights

6.1 Our Content

All Content on Gurtoviy Zernovik, including courses, videos, text, graphics, logos, and software, is protected by copyright, trademark, and other intellectual property laws. We or our licensors own all rights to this Content.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and view course materials for personal, non-commercial use
• Download materials where explicitly permitted
• Complete course assignments and projects

6.3 Prohibited Uses

You may NOT:

• Copy, reproduce, or distribute course materials
• Share account credentials or course access with others
• Record, screenshot, or create derivative works from courses
• Use Content for commercial purposes
• Remove copyright notices or watermarks
• Reverse engineer or extract source code

6.4 User-Generated Content

If you submit content (comments, projects, feedback):

• You retain ownership of your content
• You grant us a license to use, display, and distribute your content
• You represent that you have rights to the content submitted
• You agree your content does not violate third-party rights

7. Payment Terms

7.1 Pricing

• All prices are displayed in USD or local currency
• Prices are subject to change without notice
• Promotional pricing may have limited availability
• Taxes and additional fees may apply based on your location

7.2 Payment Methods

We accept:

• Credit and debit cards
• PayPal and other payment processors
• Bank transfers (where available)

7.3 Payment Processing

• Payments are processed through secure third-party processors
• We do not store complete credit card information
• Payment confirmation is sent via email
• Receipts are available in your account dashboard

7.4 Failed Payments

If payment fails:

• Course access may be suspended
• We will attempt to notify you
• You must update payment information to restore access

8. Refund Policy

Please refer to our separate Refund Policy page for detailed information about refunds, cancellations, and money-back guarantees.

9. User Conduct

9.1 Acceptable Use

You agree to use our Services only for lawful purposes and in accordance with these Terms. You will not:

• Violate any applicable laws or regulations
• Infringe upon intellectual property rights
• Transmit harmful, offensive, or inappropriate content
• Harass, threaten, or abuse other users or staff
• Attempt to gain unauthorized access to systems
• Interfere with or disrupt Services
• Use automated systems (bots, scrapers) without permission
• Engage in fraudulent activities

9.2 Community Guidelines

When interacting in forums, comments, or community features:

• Be respectful and professional
• Provide constructive feedback
• Respect others' privacy
• Do not spam or self-promote excessively
• Report inappropriate behavior

10. Disclaimers and Limitations

10.1 Service Availability

We strive to maintain continuous service availability but do not guarantee:

• Uninterrupted or error-free access
• Availability at all times
• Absence of viruses or harmful components
• Accuracy or completeness of all content

10.2 Educational Content Disclaimer

Our courses and educational materials are provided for informational purposes. We do not guarantee:

• Specific learning outcomes or results
• Career advancement or employment opportunities
• Professional certification (unless explicitly stated)
• That information is completely current or comprehensive

10.3 Third-Party Links

Our Services may contain links to third-party websites. We are not responsible for:

• Content on external websites
• Privacy practices of third parties
• Accuracy of external information
• Transactions with third parties

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• We are not liable for indirect, incidental, special, consequential, or punitive damages
• Our total liability shall not exceed the amount you paid for Services in the preceding 12 months
• We are not liable for losses resulting from unauthorized access to your account
• We are not responsible for delays or failures due to circumstances beyond our control

12. Indemnification

You agree to indemnify, defend, and hold harmless Gurtoviy Zernovik, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your violation of these Terms
• Your use or misuse of Services
• Your violation of third-party rights
• Your user-generated content

13. Modifications to Services and Terms

13.1 Service Changes

We reserve the right to:

• Modify, suspend, or discontinue Services
• Update course content and materials
• Change pricing and features
• Add or remove functionality

13.2 Terms Updates

We may update these Terms periodically. We will notify you of material changes through:

• Email notifications
• Website announcements
• Updated "Last Modified" date

Continued use of Services after changes constitutes acceptance of updated Terms.

14. Termination

14.1 By You

You may terminate your account at any time by:

• Contacting customer support
• Using account deletion features

14.2 By Us

We may terminate or suspend your access immediately for:

• Terms violations
• Fraudulent activity
• Legal requirements
• Abusive behavior

14.3 Effects of Termination

Upon termination:

• Your access to Services ceases immediately
• Downloaded materials must be deleted
• Refund eligibility follows our Refund Policy
• Certain provisions of these Terms survive termination

15. Dispute Resolution

15.1 Governing Law

These Terms are governed by the laws of Brazil, without regard to conflict of law principles.

15.2 Dispute Resolution Process

In the event of a dispute:

1. Contact us at info@gurtoviyzernovik.com to seek informal resolution
2. If unresolved, disputes will be subject to binding arbitration
3. Arbitration will be conducted in accordance with applicable arbitration rules
4. Each party bears its own costs unless otherwise determined

15.3 Class Action Waiver

You agree that disputes will be resolved individually, not as part of a class or representative action.

16. Miscellaneous

16.1 Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Gurtoviy Zernovik.

16.2 Severability

If any provision of these Terms is found unenforceable, the remaining provisions continue in full force.

16.3 Waiver

Failure to enforce any provision does not constitute a waiver of that provision or any other provision.

16.4 Assignment

You may not assign or transfer these Terms without our consent. We may assign our rights and obligations without restriction.

16.5 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or technical failures.

17. Contact Information

For questions about these Terms, please contact us:

Gurtoviy Zernovik
Registration Number: 43307737
Address: Largo Valdez, 2381. Fundos, Vila Renan, 98598-600, BR
Email: info@gurtoviyzernovik.com
Phone: (89) 93150-9929

18. Acknowledgment

By using Gurtoviy Zernovik, you acknowledge that you have read these Terms and Conditions, understand them, and agree to be bound by them. If you do not agree with these Terms, you must immediately cease using our Services.

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