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Terms of Use

Last updated: June 4, 2025

Please read these Terms of Use carefully before accessing or using the services provided by Gilmavuret ("we," "us," or "our") through gilmavuret.biz. By accessing or using our platform, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use our services.

1. Acceptance of Terms

Your access to and use of our platform constitutes your acceptance of these Terms of Use and our Privacy Policy. These Terms apply to all visitors, registered users, and others who access or use the service. We reserve the right to update or modify these Terms at any time. Continued use of the platform following any changes constitutes your acceptance of the revised Terms.

2. Description of Services

Gilmavuret provides an online learning platform focused on financial modeling education. Our services include, but are not limited to, access to video lectures, instructional materials, downloadable resources, interactive exercises, and community features. We may modify, suspend, or discontinue any aspect of the service at any time without prior notice.

3. Eligibility

You must be at least 16 years of age to use our services. By using the platform, you represent and warrant that you meet this age requirement and that all information you provide during registration is accurate, current, and complete. If you are accessing the platform on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

4. Account Registration and Security

4.1 Account Creation

To access certain features, you may be required to create an account. You agree to provide accurate information and to keep your account details up to date. Each account is personal and may not be shared with or transferred to any third party.

4.2 Account Security

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

5. Permitted Use

You agree to use the platform only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use and enjoyment of the service. Permitted use includes accessing course content for personal, non-commercial educational purposes unless otherwise agreed in writing.

6. Prohibited Conduct

You agree not to:

7. Intellectual Property

7.1 Our Content

All content available on the platform, including but not limited to lectures, written materials, graphics, interface design, and underlying software, is the exclusive property of Gilmavuret or its licensors and is protected by applicable intellectual property laws. Nothing in these Terms grants you any ownership rights in our content.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the platform content solely for your personal educational purposes. This license does not permit you to download, reproduce, or redistribute content except where explicitly enabled by the platform.

7.3 User Submissions

If you submit any content to the platform, including comments, feedback, or forum posts, you grant us a non-exclusive, worldwide, royalty-free license to use, display, and distribute that content in connection with our services. You represent that you hold all necessary rights to grant this license.

8. Payments and Subscriptions

8.1 Fees

Certain features or courses may require payment. All fees are stated at the point of purchase. We reserve the right to change pricing at any time, with changes taking effect upon renewal or next transaction.

8.2 Billing

By providing payment information, you authorize us or our payment processors to charge the applicable fees. You are responsible for all charges incurred under your account.

8.3 Refunds

Refund eligibility is determined by the refund policy stated at the point of purchase. Where no specific policy applies, refunds are issued at our sole discretion. We reserve the right to deny refund requests that show evidence of content consumption beyond a reasonable evaluation period.

9. Third-Party Links and Services

Our platform may contain links to third-party websites or integrate third-party services. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or terms of any third-party services. Your use of third-party services is at your own risk and subject to their respective terms.

10. Disclaimer of Warranties

The platform and all content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the service will be uninterrupted, error-free, or free of harmful components. We make no warranty regarding the accuracy, completeness, or fitness for any particular purpose of the content provided. Educational content on financial modeling is provided for informational purposes only and does not constitute professional financial advice.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Gilmavuret, its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the service, even if we have been advised of the possibility of such damages. Our total cumulative liability to you for any claims arising under these Terms shall not exceed the amount you paid to us in the twelve months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Gilmavuret 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 connection with your use of the platform, your violation of these Terms, or your infringement of any third-party rights.

13. Termination

We reserve the right to suspend or terminate your account and access to the platform at any time, with or without notice, for conduct that we determine violates these Terms or is otherwise harmful to other users, us, or third parties. Upon termination, all licenses granted to you immediately cease. You may request account deletion by contacting us at [email protected].

14. Privacy

Your use of the platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in that policy.

15. Modifications to the Service

We reserve the right to modify, suspend, or discontinue any part of the platform at any time without liability. We may introduce new features, remove existing ones, or alter functionality as needed to improve the service or comply with applicable requirements.

16. Governing Terms

These Terms constitute the entire agreement between you and Gilmavuret regarding your use of the platform and supersede any prior agreements or understandings. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

17. Contact

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