Terms of Use

Last Updated: February 13, 2025

These Terms of Use govern your access to and use of the services, platform, and content provided by Tovrask ("we," "us," or "our") through tovrask.com. By accessing or using our platform, you agree to be bound by these terms. If you do not agree, you must not use our services.

1. Acceptance of Terms

By registering an account, accessing any feature, or otherwise using the platform, you confirm that you have read, understood, and agree to these Terms of Use, along with any additional policies referenced herein. These terms constitute a legally binding agreement between you and Tovrask.

2. Eligibility

You must be at least 18 years of age to use this platform. By using our services, you represent and warrant that you meet this age requirement and that all information you provide is accurate, current, and complete. If you are using the platform on behalf of an organization, you represent that you have the authority to bind that organization to these terms.

3. Account Registration and Security

3.1 Account Creation

To access certain features, you may be required to register for an account. You agree to provide truthful and accurate information during registration and to keep your account details up to date.

3.2 Account Responsibility

You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately at [email protected] if you suspect any unauthorized use of your account. We are not liable for any loss resulting from unauthorized access caused by your failure to safeguard your credentials.

3.3 Account Termination

We reserve the right to suspend or terminate your account at our discretion if we determine that you have violated these terms or engaged in conduct that may harm the platform, other users, or third parties.

4. Permitted Use

You may use the platform solely for lawful purposes and in accordance with these Terms of Use. You agree not to:

5. Intellectual Property

5.1 Ownership

All content available on the platform, including but not limited to text, graphics, video recordings, course materials, software, logos, and trademarks, is the exclusive property of Tovrask or its licensors and is protected by applicable intellectual property laws.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the platform content solely for your personal, non-commercial educational purposes. This license does not permit you to copy, modify, distribute, sell, or create derivative works from any content without our explicit written permission.

5.3 User-Submitted Content

If you submit, upload, or otherwise provide any content to the platform, including comments, questions, or materials shared during webinars, you grant Tovrask a non-exclusive, royalty-free, worldwide license to use, reproduce, and display such content in connection with operating and improving the platform. You represent that you have all rights necessary to grant this license.

6. Webinars and Live Sessions

The platform offers live and recorded webinar sessions. By participating in any session, you acknowledge that:

7. Payments and Subscriptions

7.1 Fees

Certain services or content on the platform may require payment. All fees are stated at the time of purchase and are subject to change with reasonable notice. Prices are displayed in the applicable currency and may be subject to applicable taxes.

7.2 Billing

By providing payment information, you authorize Tovrask or its payment processors to charge the applicable fees to your chosen payment method. You are responsible for ensuring your payment details remain accurate and current.

7.3 Refunds

Refund eligibility is determined on a case-by-case basis in accordance with our refund policy in effect at the time of purchase. Unless otherwise stated, completed digital transactions are generally non-refundable. To inquire about a refund, contact us at [email protected].

7.4 Subscription Cancellation

If you subscribe to a recurring service, you may cancel at any time. Cancellation will take effect at the end of the current billing period, and no further charges will be made thereafter. Access to subscription features continues until the end of the paid period.

8. Third-Party Services and Links

The platform may contain links to or integrations with third-party websites, tools, or services. These are provided for convenience only. Tovrask does not endorse, control, or assume responsibility for the content, privacy practices, or reliability of any third-party service. Your interactions with third parties are governed solely by their respective terms and policies.

9. 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 information as described in the Privacy Policy.

10. Disclaimers

The platform and all content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Tovrask does not warrant that the platform will be uninterrupted, error-free, or free of harmful components. We do not guarantee the accuracy, completeness, or usefulness of any content, including educational or financial information presented during webinars or courses.

Content related to machine learning, investment strategies, or financial topics is provided for informational and educational purposes only and does not constitute financial, investment, or professional advice. You should seek independent professional guidance before making any financial decisions.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Tovrask, its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of or inability to use the platform, even if advised of the possibility of such damages. Our total liability to you for any claim arising under these terms shall not exceed the amount paid by you to Tovrask in the three months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Tovrask and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the platform, your violation of these terms, or your infringement of any third-party rights.

13. Modifications to the Platform and Terms

We reserve the right to modify, suspend, or discontinue any part of the platform at any time without prior notice. We also reserve the right to update these Terms of Use at any time. When changes are made, we will update the "Last Updated" date at the top of this page. Your continued use of the platform after any changes constitutes your acceptance of the updated terms. We encourage you to review these terms periodically.

14. Governing Principles

These Terms of Use are intended to be interpreted in a manner consistent with fairness, good faith, and the reasonable expectations of both parties. Any dispute arising in connection with these terms shall be resolved through good-faith negotiation in the first instance. If resolution cannot be reached informally, disputes may be submitted to binding arbitration or resolved through applicable legal proceedings as mutually agreed upon.

15. Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

16. Entire Agreement

These Terms of Use, together with the Privacy Policy and any other agreements or policies expressly incorporated by reference, constitute the entire agreement between you and Tovrask with respect to the subject matter herein and supersede all prior agreements, representations, or understandings.

17. Contact Us

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