Introduction

Welcome to https://startup-cards.com (the “Site”) owned and operated by Knowledge Glow LLC (“our”, “we”, “Company” OR “Knowledge Glow”).

PLEASE READ THESE TERMS OF USE CAREFULLY. THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS, AS WELL AS EXCLUSIONS AND LIMITATIONS ON YOUR LIABILITY.

These Terms and Conditions (“Agreement”) are a legal agreement that explain the terms and conditions that all visitors, users, clients and customers (“You”, or “Your”) must comply with when using the Website. By using our Website, Software, Services or Products (collectively, our “Products”) OR CLICKING ON THE “SIGNUP” BUTTON, You agree to abide by all of the terms and conditions in this Agreement. YOU MAY BE SUBJECT TO ADDITIONAL TERMS WHEN USING PARTICULAR SERVICES, WHICH ARE INCORPORATED BY REFERENCE INTO THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO ALL THE TERMS AND CONDITIONS OF THIS AGREEMENT, YOU MUST NOT USE OR ACCESS OUR PRODUCTS.

1. Definitions

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all agreements:

“Account” refers to the account that You have to create in the Website to log in, use, and access some parts of the Website.

“Company,” “Us,” “We,” and “Our” refers to Knowledge Glow LLC.

“Content” is the information displayed at the Website including without limitation text, data, code, images, photographs, graphics, software, designs and any other materials that are available at the Website.

“Goods” means all goods that We supply and make available to You as detailed in the Invoice.

“Invoice” is a list of the Goods sent or the Services We provide to You, detailing individual amounts of Goods or Services plus a sum total.

“Party” refers to either You, or Us, or any other party to this Agreement. “Parties” refer to both You and Us.

“Services” refer to any work We perform for You.

“Supply” means to provide the Goods or Services as per the Invoice.

“You” and “Your” refer to the visitor, user, client, customer or person accessing the Website and thus accepting this Agreement.

“User Content” refers to the content which has been created by Our users.

2. General Terms

Any personal information submitted in connection with your use of the Products or the Site is subject to our Privacy Policy, located at https://startup-cards.com/privacy-policy/, which is hereby incorporated by reference into these Terms and Conditions.

The Company reserves the right to revise these Terms and Conditions in its sole discretion at any time by posting the changes on the Site. Your continued use of the Products after any such change shall mean that you accept such changes. We may, at our sole discretion, notify you of a change to these Terms and Conditions, for example by announcing the change on our website, by e-mailing you about the change, or by notifying you of the change when you log into our Products. Notwithstanding the preceding sentences of this section, no revisions to these Terms and Conditions will apply to any dispute between you and the Company that arose prior to the date of such revision.

The Company may modify the Products or discontinue their availability at any time.

You are solely responsible for all service, telephony, data charges and/or other fees and costs associated with your access to and use of the Products, as well as for obtaining and maintaining all telephone, computer hardware, and other equipment required for such access and use.

If you access or use Products that involve payment of a fee, then you agree to pay to Company all applicable fees and taxes associated with such access or use.

If you provide credit card information to pay for any fees, then you represent and warrant that you are authorized to supply such information and authorize the Company to charge your credit card on a recurring basis to pay fees as they are due.

You may only access the Products for lawful purposes. You are solely responsible for the knowledge of and adherence to any and all laws, rules, and regulations pertaining to your use of the Products. You agree not to use the Products or the Company Content (as defined below) to recruit, solicit, or contact in any form instructors or potential users without our advance written permission, which may be withheld in our sole discretion. You assume any and all risks from any meetings or contact between you and any instructors or other users of the Products.

Further, your use of Our Website and all our Products is subject to the following definition of acceptable and prohibited use:

2.1. Acceptable Use

Knowledge Glow LLC will not be held liable should the website be unavailable for any amount of time.
You are responsible for the safety and confidentiality of your passwords and usernames. Knowledge Glow LLC has the right to terminate or suspend your username and password should we suspect non compliance by you.
You are not a minor in the jurisdiction in which you reside.
You will not use any meta tags or any other “hidden text” utilizing Our name or trademarks without Our express written consent.
The Website and/or any portion of the Website may not be reproduced, sold, resold, visited or otherwise exploited for any commercial purpose without Our express written consent.
Your use and access of the Website does not include any right of resale or commercial use of the Website or its Contents; any collection and use of any product listings, descriptions, or prices; any derivative use of the Website or its Contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools.
You must use our website for lawful purposes only.
We encourage a free and open exchange of ideas in a climate of mutual respect. Any action by a user that infringes on another user’s right to use and enjoy the Website is prohibited. We reserve the right, but do not assume any obligation, to monitor Your online conduct to enforce this Agreement.

2.2. Prohibited Use

While using our service the following terms must be adhered to:

to transmit or send unsolicited or unauthorized advertising or promotional material in any form.
Disrupt or attempt to disrupt Our servers in any way that could cause harm to the Website.
Distribute any material that contains software viruses or any other computer code, files, or programs that are designed or intended to: (a) disrupt, damage, or limit the functioning of the Website, any software, hardware, or telecommunications equipment used in connection therewith; or (b) damage or obtain unauthorized access to any data or other information of any third party.
Harass, abuse, threaten or incite violence towards any individual or group.
in any way that breaks or breaches applicable local, national or international laws or regulations.
in any way which is fraudulent or unlawful.
Hold Yourself out as sponsored by, endorsed by, or affiliated with Us or the Website.
Interfere with any other person’s use of or the proper functioning of the Website.
Misrepresent Your identity or impersonate any person.
Modify, translate, adapt, edit, decompile, disassemble, or reverse engineer any software programs used by Us.
Provide any information that is false, misleading or inaccurate.
Use any portion of the Website for any unlawful purpose or otherwise fail to comply with all applicable domestic and international laws, statutes, ordinances and regulations.
Use any portion of the Website for uploading, posting, e-mailing, transmitting or otherwise making available User Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party.
Use any portion of the Website for uploading, posting, e-mailing, transmitting or otherwise making available User Content that is harmful to minors in any way, harassing, harmful, threatening, abusive, vulgar, obscene, defamatory, libelous, hateful, or racially, ethnically or otherwise objectionable.
Use any portion of the Website for uploading, posting, e-mailing, transmitting or otherwise making available junk mail, commercial advertisements, or any other form of commercial solicitation.
Violate the privacy of any third party, this includes, but is not confined to, posting personal information about another person or entity without consent.

3. Content, Licenses & Permissions

Except for User Content as defined in User Content clause below, all of the content featured or displayed on the Website, including, without limitation, software, technology, text, communication, graphics, links, electronic art, artwork, animations, photographs, audio clips, video clips, images, moving images, sound, designs, materials, information, reviews, ideas,illustrations and other data or copyrights material (“Our Content”), are owned by Us, Our licensors, vendors, agents and/or Our content providers. All elements of the Website, including without limitation the general design and Our Content, are protected by trade dress, copyright, moral rights, trademark and other laws relating to intellectual property rights.

The Website, Our Content and all related rights shall remain Our exclusive property or of Our licensors unless otherwise expressly agreed.

You will not remove any copyright, trademark or other proprietary notices from material found on the Website.

The Company grants you a limited, non-exclusive, non-transferable, revocable license: (a) to access and use our Products and services solely in accordance with these Terms and Conditions; (b) print out discrete information from our Site solely for internal, personal, non-commercial purposes, (c) to access and use Submitted Content and Company Content, provided that you have paid all applicable fees, solely for your personal, non-commercial, educational purposes through the Site and the Products, in accordance with these Terms and Conditions and any other conditions or restrictions to which you are subject associated with the Company’s courses or Products. All other uses are expressly prohibited absent our express written consent. You may not reproduce, redistribute, transmit, assign, sell, broadcast, rent, share, lend, modify, adapt, edit, create derivative works of, license, or otherwise transfer or use any Submitted Content or Company Content unless we give you explicit permission to do so. Submitted Content and Company Content is licensed, and not sold, to you. Instructors may not grant you license rights to Submitted Content that you access or acquire through the Products. You may not use any Company Content, Submitted Content or our Products to develop, including as a component, any information, database, information base or similar resource, in any media whatsoever, that is offered for commercial distribution of any kind, nor create compilations or derivative works.

4. User Content

You may be able, as dictated by the functionality of the Website, to submit or to otherwise make available messages, e-mails, photographs, videos and other content for display on the Website (“User Content”).

You shall be solely responsible for Your own User Content and the consequences of posting or publishing them. The Website merely acts as a passive conduit for Your online distribution and publication of User Content.

Without limiting any of Our rights in law and equity, We reserve the right to remove any User Content for any reason in Our sole discretion, including any User Content that We believe may violate this Agreement, or any copyright or third-party rights.

By submitting or otherwise making available any User Content to the Website, You automatically grant Us a nonexclusive, royalty-free, worldwide, perpetual, irrevocable, sub-licensable (through multiple tiers), license to use, modify, copy, distribute, transmit, publicly display, publicly perform, publish, adapt, create derivative works of, distribute, transfer or sell any such content, for any purpose, including commercial purposes and in connection with advertising for the sole benefit of the Website (collectively, “Use”), in any type of media or in any form now known or later developed, without any payment to You. In addition, You automatically waive and give up any claim that any use of such content violates any of Your rights, including privacy rights, publicity rights, moral rights or any other right, including the right to approve the way the Website uses such content. You also grant Us and the Website the right to use any material, information, ideas, concepts, know-how, or techniques contained in any communication You provide, submit, or otherwise make available to the Website or to Us for any purpose whatsoever, including, without limitation, commercial purposes. By submitting User Content, You automatically warrant and represent to Us that You are the owner of all intellectual property rights in and to the User Content or that You otherwise have all sufficient rights to grant the license above.

By submitting User Content, You further warrant and represent that the User Content infringes no third-party right of privacy, right of publicity, or any other third-party right or proprietary interest.

You hereby grant the Company permission to use your name, likeness, image or voice in connection with offering, delivering, marketing, promoting, demonstrating, and selling the Site, Products, courses, Company Content and Submitted Content and, to the extent permissible under applicable law, waive any and all rights of privacy, publicity, or any other rights of a similar nature in connection therewith.

THE COMPANY DOES NOT SCREEN THE SUBMITTED CONTENT AND ALL USE OF THE SUBMITTED CONTENT BY YOU IS AT YOUR OWN RISK AND THE COMPANY SHALL HAVE NO LIABILITY FOR SUCH USE. IN PARTICULAR, NO REVIEW OR POSTING OR APPEARANCE OF THE SUBMITTED CONTENT ON THE SITE OR THROUGH THE PRODUCTS IS INTENDED TO ACT AS AN ENDORSEMENT OR REPRESENTATION THAT ANY SUBMITTED CONTENT IS FREE OF VIOLATION OF ANY COPYRIGHT, PRIVACY OR OTHER LAWS OR WILL SUIT A PARTICULAR PURPOSE OR BE ACCURATE OR USEFUL.

If you believe that Submitted Content of yours, a third party or the Company, violates any laws or regulation, including, without limitation, any copyright laws or is inaccurate or poses any risk whatsoever to a third party, it is your responsibility to notify the Company. It is your responsibility to ensure that your Submitted Content complies with all applicable law, and Company shall not be liable for any of your Submitted Content.

All content accessible by you through the use of our Products will be hosted by Teachery Inc .

These Terms and Conditions do not grant any implied licenses.

User Content does not represent Our views or any individual associated with Us, and We do not control User Content. In no event shall You represent or suggest, directly or indirectly, Our endorsement of User Content. We do not vouch for the accuracy or credibility of any User Content on Our Website, and do not take any responsibility or assume any liability for any actions You may take as a result of reading User Content on Our Website.

5. Right to take down Content

You shall remain solely responsible for Your User Content and We shall have no obligation to prescreen any such content. However, We shall have the right in Our sole discretion to edit, refuse to post, or remove any material submitted to or posted on the Website at any time without notice. Without limiting the foregoing, We shall have the right to remove any material that We find to be in violation of the provisions hereof or otherwise objectionable, and the additional right to deny any User who fails to conform to any provision of this Agreement access to the Website.

If You wish to remove Your User Content from the Website, please send Us an email to mail@startup-cards.com. We will remove Your User Content within 10 business days of receiving Your request. However, We may retain copies of Your User Content, not accessible to the public, on Our backup servers even after You request removal.

6. Disclaimer

From time to time, the Website may contain links to sites that We and Our affiliates do not own, operate nor control (“Third Party Sites”). All such links are provided solely for Your convenience. If You use these links, You will leave the Website. Neither We nor any of Our respective affiliates are responsible for any content, material or other information located on or accessible from any other site. Neither We nor any of Our respective affiliates endorse, guarantee, or make any representations or warranties regarding any other site, or any content, materials or other information located or accessible from any other site, or the results that You may obtain from using any other site.

We do not control, endorse, sponsor or approve of the third parties or their content not do We take any responsibility for any aspect of these websites or their content. If You decide to access any other site linked to or from this Website, You do so entirely at Your own risk. You agree to be aware when You leave the Website and to read the privacy statements of these sites. You will evaluate the security and trustworthiness of any site connected to or accessed through the Website before disclosing any personal information to them. We do not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from Your disclosure of personal information to those third-party sites. Complaints, claims, concerns or questions regarding Third Party Sites should be directed to the applicable third party.

7. Advertising Rights

We reserve the right to sell, license and/or display any advertising, attribution, links, promotional and/or distribution rights in connection with User Content. We and Our licensors or affiliates will be entitled to retain any and all revenue generated from any sales or licenses of such advertising, attribution, links, or promotional or distribution rights. Nothing in this Agreement obligates or may be deemed to obligate Us to sell, license or offer to sell or license any advertising, promotion or distribution rights.

8. Representations and Warranties

You represent, warrant and covenant that:

You have read, understood, and agree to be bound by the pricing terms and product specifications (accessible at www.startup-cards.com) associated with your use of our Products, which may change from time to time;
You are over the age of 18, or, if not, you will only use our Products with the involvement, supervision, and approval of a parent or legal guardian;
You will not upload, post or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes or any other form of solicitation (commercial or otherwise) through the Site or the Products;
You will not post any inappropriate, offensive, racist, hateful, sexist, pornographic, false, misleading, defamatory or libelous content;
You will not reproduce, distribute, publicly display, publicly perform, communicate to the public, create derivative works from or otherwise use and exploit any Company Content, the Products except as permitted by these Terms and Conditions; and
No content or information provided by you to Company infringes, violates or otherwise interferes with any right, including privacy and intellectual property rights, of any third party.

9. Registration and Your Account

In consideration of Your use of the Website, You will:

provide true, accurate, current and complete information about Yourself as prompted by the Website’s registration page (such information being the “Account Data”); and
maintain and promptly update the Account Data to keep it true, accurate, current and complete.

You are entirely responsible for the security and confidentiality of Your password and Account. You will not share Your Account Data or Your username and password with any third party or permit any third party to login to the Website using Your Account Data. Furthermore, You are entirely responsible for any and all activities that occur under Your Account. You are responsible for taking precautions and providing security measures best suited for Your situation and intended use of the Products and Website.

You agree to immediately notify Us of any unauthorized use of Your Account or any other breach of security of which You become aware.

We are not responsible for any loss or damage arising from your failure to comply with your obligations under these Terms and Conditions.

You may not transfer your Account to any other person and you may not use anyone else’s Account at any time without our express written permission. In cases where you have authorized or registered another individual to use your Account, you are fully responsible for (i) the online conduct of such individual; (ii) controlling the individual’s access to and use of the Products; and (iii) any and all liability arising from or related to such individual’s access to and use of our Products or your Account.

The Website may also include a tool that allows You to sign in or register using information from Your accounts in third party services, such as Facebook, Twitter, Google, Yahoo, or LinkedIn. These third-party services are not related to the Website, and Your use of such third-party services is subject to the terms and policies of those services.

For more information on how We collect, store, use, and share Your Account Data, please check Our Privacy Policy

10. Pricing, Taxes and Payment

You agree to pay the fee listed at the time of purchase, and hereby authorize us to charge your credit card for such amounts. Access to the Products will only be granted after payment is received. A description of the fees for accessing our Products descriptions, prices and features can be found on www.startup-cards.com.

10.1 Subscription based services

We offer certain Content and Services available via subscription (“Subscription”).

The Subscription prices and features can also be found at www.startup-cards.com .

By making a Subscription, You agree to pay for the subsisting Subscription fees during the Subscription period.

A “Subscriber” is a User who agreed to receive notifications from Us and/or who uses the Website on a paid subscription model.

If You have subscribed to a free subscription and upgraded to paid subscription, You will be billed for the Subscription fees of the paid subscription at the start of its subscription period.

If You have subscribed to a paid subscription and upgraded to a higher subscription, You will be billed for the Subscription fees of the higher subscription at the start of its subscription period.

You may downgrade Your subscription at any time. If You choose to downgrade, You may lose access to some content and Services in the Website.

Subscription fees are subject to change at the end of each Subscription period. We will inform of such changes before the new Subscription fees take effect. Your continued use of the Subscription means that You agree to such changes.

Fees for monthly Subscription and payment plans are billed in advance, on a monthly basis.

The Subscription will remain active during the Subscription period. There will be no refunds or credits for partial use, non-use, or downgrade of the Subscription during the Subscription period. No exceptions will be made.

If You have subscribed, Your Subscription will continue in effect after Your initial subscription Period, unless and until You cancel Your Subscription or Account, or Subscription is otherwise suspended or discontinued. You must cancel Your Subscription before it renews in order to avoid any additional charges.

If You choose to purchase goods or avail of services or features outside of Your Subscription, You will pay for such goods or services or features based on Your actual usage in the preceding month. Monthly payments for such goods or services or features will be charged on a periodic basis in arrears.

For invoiced goods, services or features, You agree to pay the invoice amount in full up front, without deduction or setoff of any kind, within 7 days from the invoice date.

10.2 Payments

Payments are processed by our payment partners, including Digistore24 Inc. in accordance with their terms and conditions. Payments are paid to Knowledge Glow LLC. All prices are in Euro. Payments made in currencies other than Euros are subject to then-current exchange rates.

10.2.1 Billing

We have engaged the services of Digistore24 (“Payment Processor”) to collect and manage Your payments. You acknowledge and agree that the Payment Processor will perform the following for Us:

credit and background verification of Our potential customers
access updated payment reports;
credit administration, management and collection;
legal assistance in credit recovery;
assessment of Our customers’ dependability; and
receive, facilitate and assign Your credit that is due to Us;

The Payment Processor is responsible and We shall not be liable for any matter in connection with the processing of Your payments.

You agree to notify Us or the Payment Processor about any billing problems or discrepancies within 60 days after they first appear on Your Account statement. If You do not do so within 60 days, You agree that You waive Your right to dispute such problems or discrepancies.

We may partner with and use other third party payment service providers to handle all payments. We will notify You of such change by e-mail not less than 30 days before it takes effect.

10.2.2 Payments

You agree to provide updated information regarding Your credit card or payment method at any time the information is needed.

You give Us and the Payment Processor the pre-authorization to verify if Your credit card or payment method account is valid and has the necessary funds or credit available to cover Your payments.

You authorize such credit card to pay any amount described herein.

You confirm that Your credited card has sufficient funds, credit facilities and valid expiry date to cover the payment.

You will receive an electronic invoice for Your payments. This electronic invoice shall serve as Your official receipt.

In case of payment delay, You will not able to use any chargeable features of Our Services until the payment in due have been fully paid.

Upon delay with any payments, You may be required to pay interest on the delay (penalty for late payment) for the period as of the time the payment obligation falls due until conforming performance is rendered. We reserve the right to assess reasonable interest charges on any amounts not paid by the date such payments are due.

You are solely responsible for any and all fees charged to Your credit card by the issuer, bank, or financial institution including, but not limited to, subscription, overdraft, insufficient funds, and over the credit limit fees.

All orders are subject to Our credit approval. We reserve the right to withhold shipment or to require other adequate assurances of performance of Your payment obligations as We, in Our discretion, may require, notwithstanding any order confirmation issued by Us.

All payments shall be paid in Euro. You may have to incur costs for conversion and transfer of money if applied by Your financial service provider.

All prices exclude VAT at current legal rate in United States, unless stated otherwise in this Agreement. You are responsible for all other applicable taxes, and We shall charge taxes when required to do so.

Other payment methods are accepted only if provided on Our Website.

10.3 Right to withdrawal and refunds

If You are a consumer in the EU, You may request a refund within 30 days of purchase only to the extent required by applicable consumer protection laws. We reserve the right to deny refunds unless mandated by law.

If You are a consumer in the US, You may request a refund within 60 days of purchase only to the extent required by applicable consumer protection laws. We reserve the right to deny refunds unless mandated by law.

You must notify Us about using Your withdrawal right through Our contact details in this policy. Your withdrawal is effective if You sent it within the Cooling Off Period, even if we receive it later.

We will send You a confirmation email within 14 days from Our receipt of Your application to withdraw.

We will gladly accept the return of the goods purchased if (a) it is returned within 14 days from the date of purchase (“Return Period”), (b) all tags are not tampered, and (c) it is in the same condition and box as it was sent to You.

In the event of effective withdrawal, You will be refunded with the fees and/or purchase price, less the processing fees and administration charge of $0 within 14 days after we have confirmed that the withdrawal is valid.

If You use the goods or services within the 14-day cancellation period, we will charge You for Your use until You send Us Your withdrawal application.

10.4 Digital Products

All digital products (such as downloadable workbooks, online courses, and other digital content) are sold via our official reseller, Digistore24. Due to the nature of digital goods, all sales are final once access or download has been granted. No refunds or cancellations will be offered by Knowledge Glow LLC for digital products.

By completing your purchase, you expressly agree to waive any statutory right of withdrawal (if applicable) once access is provided, in accordance with U.S. and EU laws on digital content. Refund requests for digital products must be submitted directly to Digistore24 in accordance with their policies. Please review Digistore24’s terms here

Coaching services (including 1:1 sessions) may be refundable if canceled in writing with at least [48 hours] notice prior to the scheduled session. Missed or rescheduled appointments with less than 48 hours’ notice are non-refundable.

Any applicable refund requests for digital products must be directed to Digistore24 in accordance with their refund policy. For more information, please visit https://www.digistore24.com/page/terms.

11. Website Information

We attempt to ensure that information on the Website is complete, accurate and current. Despite Our efforts, the information on the Website may occasionally be inaccurate, incomplete or out of date. We make no representation as to the completeness, accuracy or currency of any information on the Website.

Through Your use of the Website, You may be exposed to content that You may find offensive, objectionable, harmful, inaccurate or deceptive. By using Our Website, You assume all associated risks.

12. Security

Information provided by you through www.startup-cards.com is stored on a secured private server. While we have taken reasonable precautions to protect your personal information, no security system is impenetrable and we cannot guarantee the security of information that you provide to us via the Internet, through our Website, through online ordering, or in databases stored on our servers.

Please see our Privacy Policy for full details on security.

13. Links to this Website

Running or displaying the Website or any information or material displayed on the Website in frames or through similar means on another site without Our prior written permission is prohibited.

We grant You a nonexclusive right to display at Your site any link that would permit any user to go from Your site to Our Website. You obtain no rights other than the right to link to Our Website. Further, We do not guarantee, approve, or endorse the information or products available on Your site.

You agree to not use and display the links in such a manner that is misleading, defamatory, infringing, libelous, disparaging, obscene, or otherwise objectionable to Us. You agree to not use the links in any manner that is likely to reduce, diminish or damage the goodwill, value or reputation associated with Us. You warrant that Your site does not include any material, and does not contain links to sites displaying any material, which is harmful, pornographic, abusive, hateful, obscene threatening, defamatory, or which encourages illegal activity. Upon notice from Us, You shall promptly remove the links.

If Your wish to obtain written consent from Us, please contact us via mail@startup-cards.com

14. Trademarks and copyright

All of Our trademarks, service marks and trade names used herein (including but not limited to: the Knowledge Glow LLC name, Knowledge Glow LLC logo, the Website name, the Website design, and any logos) (collectively “Marks”) are Our trademarks or registered trademarks or of Our affiliates, partners, vendors or licensors. You may not use, copy, reproduce, republish, upload, post, transmit, distribute, or modify Our trademarks in any way, including in advertising or publicity pertaining to distribution of materials on the Website, without Our prior written consent. The use of Our trademarks on any other site or network computer environment is not allowed. We prohibit the use of Our trademarks as a “hot” link on or to any other site, unless We have approved in advance the establishment of such a link. You shall not use Our name or any language, pictures or symbols which could, in Our judgment, imply Our endorsement in any (i) written or oral advertising or presentation, or (ii) brochure, newsletter, book, or other written material of whatever nature, without prior written consent.

We claim copyright and all other intellectual property rights to all the material on the Website, including, but not limited to the words, information, graphics, designs, logos, trademarks, photographs, icons, drawings and text.

Our intellectual property is protected under copyright, trademark and other intellectual property laws.

As part of this Agreement, You agree to not reproduce, distribute, sell, publish or broadcast any of the material found on this Website without Our prior written consent.

15. Warranty Disclaimer

YOUR USE OF THE WEBSITE IS AT YOUR OWN RISK. ALL CONTENT AND PRODUCTS AVAILABLE THROUGH OUR SITE ARE PROVIDED “AS IS” WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED. IN PARTICULAR, KNOWLEDGE GLOW LLC MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE OF THE RELIABILITY, TIMELINESS, QUALITY, SUITABILITY, TRUTH, AVAILABILITY, ACCURACY OR COMPLETENESS OF THE SITE OR ANY CONTENT. EXCEPT AS SPECIFICALLY SET FORTH IN THESE TERMS AND CONDITIONS, ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES REGARDING THE SITE, OUR PRODUCTS OR ANY CONTENT, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF MERCHANTABLE QUALITY, MERCHANTABILITY, FITENESS FOR A PARTICULAR USE OR PURPOSE, OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, ARE DISCLAIMED BY COMPANY TO THE MAXIMUM EXTENT PERMISSIBLE BY APPLICABLE LAW.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM THE WEBSITE OR THROUGH OUR SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

16. Limitation of Liability

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, COMPANY AND ITS SUPPLIERS, AFFILIATES, PARTNERS, ASSOCIATES, EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS OR SERVICE PROVIDERS, AND EACH OF THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, CONSULTANTS, AGENTS AND SUPPLIERS SHALL NOT BE LIABLE HEREUNDER UNDER ANY THEORY OF LIABILITY, INCLUDING, WITHOUT LIMITATION, CONTRACT, TORT OR NEGLIGENCE, FOR ANY LOSSES OR DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS OR OTHER ECONOMIC LOSS, OR FOR ANY DIRECT, INDIRECT, EXEMPLARY, INCIDENTAL, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF THE USE OF THE SITE OR OUR PRODUCTS OR CONTENT. IN NO EVENT SHALL THE COMPANY’S TOTAL LIABILITY HEREUNDER EXCEED THE AMOUNTS PAID BY YOU IN CONNECTION WITH THE COURSES OR PRODUCTS UNDER WHICH SUCH LIABILITY AROSE IN THE PAST TWELVE (12) MONTHS.

17. Indemnification

You hereby indemnify, defend and hold harmless the Company, and its affiliates, officers, directors, agents, partners, employees, licensors, representatives and third party providers from and against all losses, expenses, damages, costs, claims and demands, including reasonable attorneys’ fees and related costs and expenses, due to or arising out of your breach of these Terms and Conditions or your violation of any rights of any other user or third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you under this Section 13, and in such case, you agree to fully cooperate as reasonably required with such defense and in asserting any available defenses.

18. Release

In the event that You have a dispute with one or more other visitors, users, customers, or clients of the Website, You release Us (and Our officers, directors, agents, subsidiaries, joint ventures and employees) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes.

19. Communication

We reserve the right to send You an electronic mail for the purpose of informing You of changes or additions to the Website or this Agreement.

Except as disclosed in Our Privacy Policy, We will not monitor, edit, or disclose the contents of Your e-mail, unless required in the course of normal maintenance of the Website and its systems, or unless required to do so by law or in the good-faith belief that such action is necessary to: (a) comply with the law or comply with legal process served on Us or the Website; (b) protect and defend Our rights or property of, the Website, or the users of the Website; or (c) act in an emergency to protect the personal safety of Our guests, the Website, or the public.

20. Termination

We may terminate this Agreement:

for any or no reason during any free use of the Websites or Services;
if You breach any of the terms of this Agreement, and that breach is not remediable;
if You breach any of these terms of this Agreement and that breach is not remedied within 0 of receiving written notice of the breach;
if You have failed to pay any due charges by the stated date.

We may also block Your access to Our Website in the event that:

You breach this Agreement;
We are unable to verify or authenticate any information You provide to Us; or
We believe that Your actions may cause financial loss or legal liability for You, Our users or Us.

You may terminate Your use of the Website or the Services by contacting Us through our contact details in this policy. The termination request will be subject to Our verification of Your ownership of the Account.

In terminating Your Account, You shall be liable to pay all fees and charges that have accrued up until the termination takes place. You are personally liable for any orders placed or charges incurred through Your Account prior to termination.

Upon termination, you must cease all use of the Site, Products, Company Content, and Submitted Content submitted by other users. Any accrued rights to payment and all representations and warranties shall survive termination.

Either Party may terminate the Agreement:

Upon 0 days’ written notice to the other party of a material breach, if such breach remains uncured at the expiration of such period;

If the other party becomes the subject of petition in bankruptcy or any proceeding relating to insolvency, receivership, liquidation or assignment for the benefit of creditors.

Upon the effective date of termination or expiration of this Agreement:

All rights, Subscriptions and licenses granted to You shall be terminated immediately.
You will immediately cease use of and/or access to the Account, Website, and the Services.
We will suspend or terminate Your access to the Website and Services.
We will suspend or terminate access to any or all of the data to the extent permitted by law

We have no obligation to retain any of your Account or Submitted Content for any period of time beyond what may be required by applicable law.

The termination or expiry of this Agreement shall not affect any of Our accrued rights and liabilities at any time up until the date of termination.

We may discontinue offering any Product, or content at any time if such Product or content violates any applicable law. Such termination shall provide you with no right to financial remuneration.

21. Electronic Notices

By using the Products or communicating with Company, you agree that Company may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the Products or these Terms and Conditions. If Company learns of a security system’s breach, Company may attempt to notify you electronically by posting a notice on the Products or sending an email to you.

22. Miscellaneous

Entire Agreement: These Terms and Conditions constitute the entire agreement between the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter.

A printed version of this Agreement will be admissible in judicial and administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Severability: If any provision of these Terms and Conditions is found to be illegal, void or unenforceable, then that provision shall be deemed severable from these Terms and Conditions and shall not affect the validity and enforceability of any remaining provisions of these Terms and Conditions.

No Waiver: The failure of Company to exercise or enforce any right or provision of these Terms and Conditions will not constitute a waiver of such right or provision.

Assignment: You agree that this Agreement and all incorporated agreements may be automatically assigned by Us in Our sole discretion. You cannot assign this Agreement without Our written consent.

Headings: Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.

Notice: Any notice or other communication to be given hereunder will be in writing and given by facsimile, postpaid registered or certified mail return receipt requested, or electronic mail.

No Agency: Nothing in these Terms and Conditions shall be construed as making either party the partner, joint venture, agent, legal representative, employer, contractor or employee of the other. Neither the Company nor any other party to this agreement shall have, or hold itself out to any third party as having, any authority to make any statements, representations or commitments of any kind, or to take any action that shall be binding on the other except as provided for herein or authorized in writing by the party to be bound.

Arbitration: You and We agree to the following dispute resolution process for any legal controversy or legal claim arising out of or relating to this Agreement, the Website, any subscription to the Website or any other aspect of Our relationship (“Subject Legal Claim”).

To help resolve any issues between Us promptly and directly, You and We agree to begin any arbitration within 15 days after a Subject Legal Claim arises; otherwise, the Subject Legal Claim is waived.

In an attempt to find the quickest and most efficient resolution of Our issues, You and We agree to first discuss any issue informally for at least 15 days. To do that, please send Your full name and contact information, Your concern and Your proposed solution by email to Us at mail@startup-cards.com. If We should need to discuss an issue with You, We will contact You using the email or mailing address on Your Account.

If We do not reach an agreed upon solution after Our discussions for at least 15 days, You and We agree that any Subject Legal Claim that either of Us may have must be resolved through binding individual arbitration in Florida, USA in accordance with American Arbitration Association.

There are two limited exceptions to this Dispute Resolution and Arbitration provision: (a) either Party may pursue in small claims court any action that is within that jurisdiction, as long as the case proceeds on an individual basis only; (b) either Party may seek to enforce its patents, trademarks, copyrights or trade secrets in an appropriate state or federal court.

You and Us also agree to arbitrate in each of Our individual capacities only, not as a representative or member of a class, and each of Us expressly waives any right to file a class action or seek relief on a class basis.

You may download a form Notice to initiate arbitration at www.adr.org. If You initiate the arbitration, Your arbitration fees will be limited to the filing fee set forth in the AAA’s Consumer Rules. It is important that You understand that the arbitrator’s decision will be binding and may be entered as a judgment in any court of competent jurisdiction. In any action to enforce this Agreement, the prevailing party will be entitled to costs and attorneys’ fees.

Governing Law: Any claim relating to, and the use of, this Website and the materials contained herein is governed by the laws of the state of Wyoming, USA. You consent to the exclusive jurisdiction of the state and federal courts located in Wyoming, USA.

Revisions: This Agreement is subject to Our revision and changes from time to time. Your continued use of the Website after the revision and changes will mean that You agree, without qualification, to the revised Agreement.

If You are a registered Subscriber of the Website, You will be notified of material revisions to this Agreement via an e-mail message to the e-mail address that You provided at registration or that You have since updated.

If You are not a registered Subscriber of the Website, then You can review revisions to this Agreement by regularly checking this page.

Material revisions to this Agreement will be indicated by an updated effective date at the top left corner of this page and by a notice posted on the homepage of the Website.

It is Your responsibility to remain apprised of any revisions to this Agreement and to remain in compliance therewith.

Should You object to any such revisions to this Agreement or become dissatisfied with the Website in any way, Your only recourse is to immediately terminate Your membership or discontinue use of the Website. Otherwise, continuing to use, visit, access or use the Website after the effective date means that You agree to be bound by any and all revisions.

Minors: Our Products are not intended for children under the age of 18. You represent and warrant that you are at least 18 years old or visiting our website under the supervision of a parent or guardian.

Force Majeure: We shall not be responsible for damages or for delays or failures in performance resulting from acts or occurrences beyond Our reasonable control, including, without limitation: fire, lightning, explosion, power surge or failure, water, acts of God, war, revolution, civil commotion or acts of civil or military authorities or public enemies; epidemics, pandemics; any law, order, regulation, ordinance, or requirement of any government or legal body or any representative of any such government or legal body; or labor unrest, including without limitation, strikes, slowdowns, picketing, or boycotts; inability to secure raw materials, transportation facilities, fuel or energy shortages, or acts or omissions of other common carriers.

No Third Party Rights: No provision of these Terms and Conditions provides any person or entity not a party to this agreement with any remedy, claim, liability, reimbursement, or cause of action or creates any third party beneficiary rights.

Survival: Clauses “Trademarks/No Endorsement”, “Advertising Rights”, “Intellectual Property Rights”, “DISCLAIMERS”, “LIMITATIONS OF LIABILITY”, “Indemnity”, “Release”, “Communications”, and “Dispute Resolution and Arbitration” shall survive any termination or expiration of this Agreement.

23 User Feedback

We welcome and encourage You to provide feedback, comments, and suggestions for improvements of the Website (“Feedback”). You may submit Feedback by emailing Us at mail@startups-cards.com. You acknowledge and agree that if You submit any Feedback to Us, You hereby grant to Us a non-exclusive, worldwide, perpetual, irrevocable, fully-paid, royalty-free, sub-licensable (through several tiers) and transferable license under any and all intellectual property rights that You own or control in relation to the Feedback to use, reproduce, view, communicate to the public by any means, print, copy (whether onto hard disk or other media), edit, translate, perform and display (publicly or otherwise), distribute, redistribute, modify, adapt, make, sell, offer to sell, transmit, license, transfer, stream, broadcast, create derivative works from, and otherwise use and exploit the Feedback for any purpose.

24 Notice for California Users

Under California Civil Code Section 1789.3, California users are entitled to the following specific consumer rights notice: You may contact Us via mail@startup-cards.com. The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (800) 952-5210.

YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS, UNDERSTAND THE TERMS, AND WILL BE BOUND BY THESE TERMS. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS TOGETHER WITH THE PRIVACY POLICY REPRESENT THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US AND THAT IT SUPERSEDES ANY PROPOSAL OR PRIOR AGREEMENT ORAL OR WRITTEN, AND ANY OTHER COMMUNICATIONS BETWEEN US RELATING TO THE SUBJECT MATTER OF THIS AGREEMENT.