Terms and Conditions
Welcome to OptivaScore. By using our services, you agree to the following terms and conditions. Please read them carefully.
1. Services Provided
OptivaScore LLC (“we,” “us,” “our”) provides financial literacy education and consulting services delivered digitally via video call, phone, email, or other agreed communication channels.
Our services include:
– One-on-one educational consulting sessions
– Customized learning materials and resources
– Email support and follow-up guidance
Services are for personal educational use only and may not be resold or redistributed without written permission.
2. Use of Services
You agree to:
– Provide accurate information required for service delivery
– Use services for lawful personal educational purposes only
– Not misrepresent yourself or your eligibility for services
3. Eligibility
You must be at least 18 years old to purchase or use our services. By accessing our services, you confirm that you meet this requirement.
4. Payment Terms
– All payments must be completed before service delivery unless otherwise agreed in writing.
– Payments are processed securely through approved payment processors.
– Prices are listed in USD and subject to change with notice.
5. Service Delivery
– All services are delivered digitally (video call, phone, email, or digital document delivery).
– No physical goods will be shipped.
– Consulting sessions are scheduled based on mutual availability, typically within 3-5 business days of purchase.
6. Refund Policy
Refunds are governed by our Refund Policy, available at [link]. Generally, refunds may be requested within 7 days of purchase if services could not be delivered as described.
Completed consulting sessions, delivered materials, and services already performed are non-refundable.
7. Educational Nature of Services
Our services are educational and informational in nature. We provide guidance and teach financial literacy concepts—we do not provide financial advice, legal advice, or guarantee specific outcomes.
You acknowledge that:
– Educational services do not guarantee specific results
– You are responsible for decisions you make based on information learned
– We do not provide professional financial planning, tax, or legal advice
8. Limitation of Liability
To the maximum extent permitted by law:
– We are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services.
– Our total liability for any claim shall not exceed the amount you paid for the specific service giving rise to the claim.
– We do not guarantee specific outcomes, financial results, or improvements to your financial situation.
9. Intellectual Property
All educational materials, guides, resources, and content provided by OptivaScore remain our intellectual property. You may use materials for personal educational purposes but may not copy, redistribute, sell, or use them for commercial purposes without written consent.
10. Termination
We reserve the right to refuse service or terminate access if we suspect:
– Fraudulent activity or payment disputes
– Violation of these Terms
– Misuse of services or materials
11. Privacy
Your use of our services is also governed by our Privacy Policy, available at [link]. By using our services, you consent to our collection and use of information as described in the Privacy Policy.
12. Modifications
We may update these Terms from time to time. The “Last updated” date will reflect the latest version. Continued use of our services after changes constitutes acceptance of the updated Terms.
We will make reasonable efforts to notify users of material changes.
13. Governing Law & Dispute Resolution
These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.
Any disputes arising from these Terms or use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, or in the state or federal courts located in Delaware.
You waive any right to a jury trial or to participate in a class action lawsuit.
14. Contact Information
For questions about these Terms, contact us at:
OptivaScore LLC
Email: office@optivascore.com
Phone: +1 (302) 207-8333
Address: 501 Silverside Road, Suite 105-1866, Wilmington, DE 19809
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