Terms of Use

1. Acceptance of Terms

By accessing and using the Krylanthem website (krylanthem.info) and our educational services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and Krylanthem, a company operating from 20 Childers Heights, Mullauns, Ballina, Co. Mayo, F26 C6D8, Ireland.

If you do not agree with any part of these terms, you must discontinue use of our website and services immediately. Your continued use of our platform indicates your acceptance of these terms and any future modifications.

2. Description of Services

Krylanthem provides educational content and programs focused on investment theory. Our services include but are not limited to online learning materials, educational resources, theoretical frameworks, and structured learning programs designed to enhance understanding of investment principles.

Educational Nature of Content

All content provided through our platform is strictly educational and theoretical in nature. We do not provide investment advice, financial planning services, or recommendations for specific investment actions. Our materials are designed to improve theoretical understanding and should not be construed as professional financial guidance.

Service Availability

While we strive to maintain consistent service availability, we cannot guarantee uninterrupted access to our platform. Scheduled maintenance, technical difficulties, or other factors may occasionally limit service availability.

3. User Responsibilities and Conduct

Account Registration and Security

Users creating accounts must provide accurate and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activities occurring under your account.

• Provide truthful and accurate registration information
• Maintain the security of your login credentials
• Notify us immediately of any unauthorized account access
• Update account information when changes occur

Prohibited Activities

Users must not engage in activities that compromise the integrity, security, or proper functioning of our platform. Prohibited activities include:

• Attempting to gain unauthorized access to our systems or other user accounts
• Distributing malware, viruses, or other harmful code
• Engaging in activities that could overload or damage our infrastructure
• Copying, redistributing, or reselling our educational content without permission
• Using automated systems to access or interact with our platform
• Harassing, intimidating, or threatening other users or our staff

Content Usage Guidelines

Educational materials provided through our platform are intended for personal learning purposes. Users may not reproduce, distribute, or create derivative works from our content without explicit written permission.

4. Intellectual Property Rights

Krylanthem Content Ownership

All content available through our platform, including text, graphics, videos, audio materials, course structures, and educational frameworks, remains the intellectual property of Krylanthem. This includes both original content and content licensed from third parties.

User Content and Submissions

Any content you submit to our platform, including questions, comments, forum posts, or assignment submissions, grants us a non-exclusive license to use, modify, and display such content for educational and platform improvement purposes.

Copyright Protection

We respect intellectual property rights and expect our users to do the same. If you believe content on our platform infringes your copyright, please contact us with detailed information about the alleged infringement.

5. Privacy and Data Protection

Information Collection

We collect and process personal information in accordance with Irish data protection laws and EU General Data Protection Regulation (GDPR). Information collected includes registration details, learning progress, and platform usage data.

Data Usage and Sharing

Personal information is used to provide educational services, track learning progress, and improve our platform. We do not sell personal information to third parties and only share data when legally required or with your explicit consent.

Data Security

We implement appropriate technical and organizational measures to protect personal data against unauthorized access, alteration, or destruction. However, no system is completely secure, and we cannot guarantee absolute data security.

6. Payment Terms and Refund Policy

Payment Processing

All payments are processed securely through third-party payment processors. By making a payment, you authorize us to charge the specified amount to your chosen payment method.

Refund Conditions

Refund requests are evaluated on a case-by-case basis within 14 days of initial payment. Refunds may be provided for technical issues preventing access to services or in cases where services fundamentally differ from descriptions.

• Refund requests must be submitted within 14 days of payment
• Substantial completion of course materials may affect refund eligibility
• Technical issues must be reported and unresolved despite support efforts
• Processing time for approved refunds is typically 5-10 business days

Subscription Services

Recurring subscription services will continue until cancelled. Users can cancel subscriptions at any time, with cancellation taking effect at the end of the current billing period.

7. Educational Disclaimers

No Investment Advice

All educational materials focus on theoretical understanding of investment principles. Users should consult qualified financial professionals before making investment decisions. Market conditions, individual circumstances, and risk tolerance vary significantly among individuals.

Educational Outcomes

While our educational programs are designed to enhance understanding of investment theory, we cannot guarantee specific learning outcomes or career advancement results. Individual results depend on numerous factors including prior knowledge, time commitment, and application of learned principles.

Market Risk Acknowledgment

Investment activities involve inherent risks including potential loss of capital. Our educational content discusses these risks theoretically but cannot prepare individuals for all possible market scenarios or guarantee successful investment outcomes.

8. Limitation of Liability

Service Limitations

Krylanthem provides educational services on an "as is" basis. We make no warranties regarding the accuracy, completeness, or suitability of educational content for specific purposes.

Our liability is limited to the amount paid for services in the twelve months preceding any claim. We are not liable for indirect, incidental, or consequential damages arising from use of our platform.

Third-Party Content

Our platform may include references to third-party resources or external websites. We are not responsible for the accuracy, availability, or content of external resources and do not endorse third-party viewpoints or recommendations.

Technical Issues

While we strive to maintain reliable service, we are not liable for temporary service interruptions, data transmission errors, or technical difficulties beyond our reasonable control.

9. Account Termination

User-Initiated Termination

Users may terminate their accounts at any time by contacting our support team. Account termination requests are typically processed within 48 hours of receipt.

Company-Initiated Termination

We reserve the right to terminate accounts for violations of these terms, illegal activities, or behavior that threatens the integrity of our platform or safety of other users.

• Notice will be provided when practical before account termination
• Repeated policy violations may result in immediate termination
• Terminated users may be prohibited from creating new accounts
• Account data may be retained as required by law or business needs

Post-Termination Effects

Upon account termination, access to educational materials and platform features will cease. Downloaded materials remain subject to intellectual property restrictions outlined in these terms.

10. Updates to Terms

These terms may be updated periodically to reflect changes in our services, legal requirements, or business practices. Significant changes will be communicated to users through email notifications or prominent platform announcements.

Continued use of our platform after term modifications constitutes acceptance of updated terms. Users who disagree with modifications should discontinue service use and may request account termination.

Notification Process

• Major changes will include at least 30 days advance notice
• Minor updates may be implemented with standard notification
• Updated terms become effective on the specified date
• Users can review current terms at any time on our website

11. Governing Law and Dispute Resolution

Applicable Law

These terms are governed by the laws of Ireland. Any disputes arising from these terms or use of our services will be subject to Irish jurisdiction and legal procedures.

Dispute Resolution Process

Before initiating legal proceedings, parties agree to attempt resolution through direct negotiation. If direct resolution proves unsuccessful, disputes may be submitted to mediation or arbitration as mutually agreed.

Legal Proceedings

Any legal actions related to these terms must be filed in appropriate Irish courts. Both parties consent to personal jurisdiction in Ireland for resolution of disputes arising from these terms.