Terms of Use

Acceptance of Terms

By accessing and using the Study Glow website (cognivithryva.com) and our financial education 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 Study Glow, operated from Spencer Dallington Community Centre, Tintern Ave, Northampton NN5 7DS, United Kingdom.

If you do not agree with any part of these terms, you must discontinue use of our services immediately. Your continued use of our platform following any modifications to these terms constitutes your acceptance of such changes.

Service Description and Limitations

Study Glow provides financial education, insights, and learning resources designed to enhance your understanding of personal finance, investment principles, and economic concepts. Our services include educational content, learning programs, and financial literacy resources.

What We Provide:

• Educational content on financial topics and investment strategies
• Learning programs designed to improve financial literacy
• Market insights and analysis for educational purposes
• Tools and resources to support your financial education journey
• Community access for discussion and learning

Important Limitations:

Study Glow does not provide personalized financial advice, investment recommendations, or professional financial planning services. All content is for educational purposes only and should not be considered as specific investment guidance. We are not licensed financial advisors, and our content does not constitute professional financial advice.

You acknowledge that any financial decisions you make based on information from our platform are your sole responsibility. We strongly recommend consulting with qualified financial professionals before making significant financial decisions.

User Responsibilities and Conduct

As a user of Study Glow, you agree to use our services responsibly and in accordance with applicable laws and regulations. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

Prohibited Activities:

• Sharing false, misleading, or fraudulent information
• Attempting to gain unauthorized access to our systems or other users' accounts
• Using our platform for any illegal activities or to promote illegal content
• Harassment, abuse, or intimidation of other users or our staff
• Uploading or sharing malicious software, viruses, or harmful code
• Copying, reproducing, or distributing our content without explicit permission
• Creating multiple accounts or impersonating other individuals

You agree to provide accurate and current information when creating your account and to promptly update this information as needed. You are responsible for ensuring that your use of our services complies with all applicable local, national, and international laws.

Intellectual Property Rights

All content, materials, and resources available through Study Glow, including but not limited to text, graphics, logos, images, software, and educational materials, are the property of Study Glow or our content partners and are protected by copyright, trademark, and other intellectual property laws.

Your License to Use Our Content:

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

User-Generated Content:

When you submit content to our platform, including comments, questions, or participation in discussions, you grant Study Glow a non-exclusive, worldwide, royalty-free license to use, modify, and display such content in connection with our services. You represent that you have the right to grant this license and that your content does not infringe on the rights of others.

Privacy and Data Protection

Your privacy is important to us, and we are committed to protecting your personal information in accordance with applicable data protection laws, including GDPR where applicable. Our collection, use, and protection of your personal data are governed by our Privacy Policy, which forms part of these Terms of Use.

Data We Collect:

• Account information including name, email address, and contact details
• Usage data and interaction with our platform
• Educational progress and learning preferences
• Communication records and support interactions

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. You have the right to access, correct, or delete your personal data, subject to certain limitations.

Disclaimers and Limitation of Liability

Study Glow provides educational content and services on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, completeness, reliability, or suitability of our content for any particular purpose.

Financial Information Disclaimer:

Financial markets are inherently unpredictable, and past performance does not guarantee future results. All educational content is provided for informational purposes only and should not be considered as investment advice. You acknowledge that financial decisions carry inherent risks, and Study Glow cannot be held responsible for any financial losses resulting from your use of our educational materials.

Limitation of Liability:

To the maximum extent permitted by law, Study Glow, its directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our services, including but not limited to financial losses, loss of data, or business interruption.

Termination and Account Management

Either party may terminate this agreement at any time. You may close your account by contacting us directly or using the account closure options available in your user settings. Study Glow reserves the right to suspend or terminate your account immediately if you violate these terms or engage in activities that may harm our platform or other users.

Effects of Termination:

• Your access to Study Glow services will be immediately revoked
• Any outstanding obligations or liabilities will survive termination
• Certain provisions of these terms will continue to apply post-termination
• We may retain certain information as required by law or for legitimate business purposes

Governing Law and Dispute Resolution

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or relating to these terms or your use of Study Glow services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Alternative Dispute Resolution:

Before initiating formal legal proceedings, we encourage you to contact us directly to resolve any disputes. We are committed to working with you to find mutually acceptable solutions to any concerns or issues that may arise.