General
These Terms of Service outline the rules and conditions for your use of our website, applications, and various products and services (“Services”) provided by Dharma Initiative AG, a company duly incorporated and existing under the laws of Switzerland, with its registered office at Baarerstrasse 10, 6300 Zug, Switzerland (“we”, “us”, “Service Provider”), along with our subsidiaries and global affiliates. Some of our Services may include software that you download onto your computer, smartphone, tablet, or other devices. By using our Services, you consent to automatic updates of this software, and these Terms will also apply to those updates. We encourage you to carefully review these Terms. By selecting “I accept” or by accessing our Services, you agree to comply with these Terms and the associated policies mentioned within. These Terms are a legally binding contract between you and Service Provider regarding your use of the Services.

By making the Services available through this website we make a binding offer to conclude a contract with any user who complies with the conditions outlined in these Terms. This offer applies to all users, regardless of their country of residence, provided that the sale of such Services is legally permitted in their jurisdiction. You accept this offer by completing the ordering process on our website and confirming your payment. Upon receipt of your order confirmation, a legally binding contract is concluded between you and Service Provider. The contract is governed by these Terms, including all referenced policies such as our Privacy Policy, Refund Policy, and any additional product-specific terms provided at the point of sale.

By accepting this offer, you expressly acknowledge and agree that: you have read, understood, and accepted these Terms; you are legally capable of entering into binding contracts; the Services will be provided digitally, and access will begin immediately after purchase, unless otherwise stated; you waive your right of withdrawal once the Services begin, to the extent permitted by applicable consumer protection laws. If you do not agree with these Terms, you must not access or use the Services.

BY CREATING AN ACCOUNT AT THE SERVICES OR DOWNLOADING, INSTALLING, OR OTHERWISE ACCESSING OR USING THE SERVICES, YOU AGREE THAT YOU HAVE READ AND UNDERSTOOD, AND, AS A CONDITION TO YOUR USE OF THE SERVICES, YOU AGREE TO BE BOUND BY, THE FOLLOWING TERMS OF SERVICE, INCLUDING THE PRIVACY POLICY FOR THE SERVICE AND OTHER POLICIES AND ADDITIONAL TERMS WE REFERENCE BELOW (TOGETHER, THESE "TERMS''). IF YOU ARE NOT ELIGIBLE TO USE THE SERVICES (AS OUTLINED IN THESE TERMS), OR DO NOT AGREE TO THE TERMS, THEN YOU SHALL REFRAIN FROM USING THE SERVICES.

We reserve the right to change or modify the Terms including but not limited to any policy or guideline of the Services, at any time and at our sole discretion. We will provide notice of these changes by posting the revised Terms and changing the "Last Updated" date at the top of the Terms. Any changes or modifications will be effective immediately upon posting. These changes will apply at that instant to all then current and subsequent uses of Services. You waive any right you may have to receive specific notice of such changes or modifications. Your continued use of the Services acts as acceptance of such changes or modifications. If you do not agree to the Terms in effect when you access or use the Services, you must stop using the Services. We encourage you to frequently review the Terms to ensure that you understand the terms and conditions that apply to your access to, and use of, the Services.

Eligibility
You must be at least 16 years old to use the Services. By agreeing to these Terms, you represent and warrant to us that: (a) you are at least 16 years old; (b) you have not previously been suspended or removed from the Services; and (c) your registration and your use of the Services complies with any and all applicable laws and regulations. If you are an entity, organization, or company, the individual accepting these Terms on your behalf represents and warrants that they have authority to bind you to these Terms and you agree to be bound by these Terms.

By using our Services, you acknowledge and guarantee that you are in good physical and emotional health. If you have any doubts regarding whether your health issues may affect your ability to safely and effectively use the Services, you are required to withdraw from the Services immediately. You understand that it is your responsibility to consult with a qualified healthcare professional before engaging in any activities related to the Services.

Account
To access most features of the Services, you may be required to register an Account. When you register for an Account, you will be required to provide us with some information about yourself, such as your name, email address, date of birth, country or region of residence, or other contact information. You agree that the information you provide to us is accurate, complete, and not misleading, and that you will keep it accurate and up to date at all times. When you register, you will be asked to create a username and password. You are solely responsible for maintaining the confidentiality of your Account and password, which includes not sharing your password or letting anyone else access or compromise your Account and restricting access to the Services from your compatible mobile device(s) and computer(s). You accept responsibility for all activities that occur under your Account.

Payment Terms
Certain features of our Services may require the payment of fees. By purchasing any such Services, you agree to pay all applicable charges promptly using the designated payment method associated with the relevant product or service, including any applicable taxes or transaction fees.

Before any payment is processed, you will be provided with clear information regarding the applicable fees and any specific terms associated with your purchase (e.g., duration of course access, renewal terms, or access limitations). Unless expressly stated otherwise in these Terms, all payments are final and non-refundable, except as provided under our Refund Policy or where otherwise required by applicable law.

We reserve the right to suspend or terminate your access to the Services, including any paid features, in the event of non-payment or if any payment is reversed, declined, or otherwise unpaid. In such cases, you may also be held responsible for any additional costs incurred as a result of chargebacks, payment disputes, or the collection of unpaid amounts, including reasonable administrative, legal, or collection agency fees.

License
Owership. The Services, along with any content shared within the provision of the Services or published on our website, app, or platform, are proprietary to us, or our third-party licensors, and are protected by applicable intellectual property laws. Unauthorized use, reproduction, or distribution of any part of the Services or related content is strictly prohibited. There are not implied licenses in these Terms.

Limited License. Provided that you fully comply with these Terms at all times, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license for your personal, non-commercial use to: (a) install and utilize one object code copy of any mobile or downloadable application related to the Services on a mobile device that you own or control; and (b) access and utilize the Services.

License Restrictions. Unless prohibited by applicable law, you are not allowed to: (a) reproduce, distribute, publicly display, publicly perform, or create derivative works based on the Services; (b) modify the Services in any way; or (c) disrupt or bypass any aspect of the Services, including any security or access control features. If the law prevents you from using the Services, you must refrain from doing so.

Feedback. You grant us an unrestricted, perpetual, irrevocable, non-exclusive, fully-paid, royalty-free right and license to use your feedback in any way and for any purpose, including improving the Services and developing other products and services. We are not obligated to provide you with credit for any feedback you submit.

User Generated Content
Certain features of the Services may allow users to submit, upload, publish, broadcast, or otherwise transmit content to the Services, including messages, reviews, photos, videos, audio (including sound or voice recordings and musical recordings), images, folders, data, text, and any other works of authorship or creative works ("User Generated Content").

By posting User Generated Content, you grant us a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You retain any copyright and other proprietary rights you may hold in the User Generated Content, subject to the licenses granted in these Terms.

You represent and warrant that you own or have the necessary rights to the User Generated Content you submit and that your contributions do not infringe upon any third-party rights, including intellectual property rights, privacy rights, or any other legal rights.

We reserve the right to review, monitor, and remove any User Generated Content at its sole discretion, without prior notice, for any reason, including but not limited to content that is deemed inappropriate, offensive, or in violation of these Terms. During monitoring, information may be examined, recorded, copied, and used in accordance with the Privacy Policy. We may block, filter, mute, remove or disable access to any User Generated Content uploaded to or transmitted through the Services without any liability to the user who posted such User Generated Content to the Services or to any other users of the Services.

We, however, are under no obligation to edit or control User Generated Content that you or other users post and will not be in any way responsible or liable for User Generated Content. We may at any time and without prior notice, screen, remove, edit, or block any User Generated Content that in our sole judgment violates these Terms, is alleged to violate the rights of third parties, or is otherwise objectionable. You understand that, when using the Services, you will be exposed to User Generated Content from a variety of sources and you acknowledge that User Content may be inaccurate, offensive, indecent, or objectionable. You agree to waive, and do waive, any legal or equitable right or remedy you have or may have against us with respect to User Generated Content. If notified by a user or content owner that User Generated Content allegedly does not conform to these Terms, we may investigate the allegation and determine in our sole discretion whether to remove the User Generated Content, which we reserve the right to do at any time and without notice. For clarity, we do not permit infringing activities on the Services.

You acknowledge that any User Generated Content you submit may be publicly accessible and that you have no expectation of confidentiality regarding such content. We are not responsible for any loss or damage resulting from your submission of User Generated Content.

Prohibited Conduct
You shall refrain from the following while using the Services:

• use the Services for any illegal purpose or in violation of any local, state, national, or international law;
• use a virtual private network (VPN), proxy service, or any other technology or method to mask your true location or IP address for the purpose of accessing the Services from a country or jurisdiction where such access is prohibited by local laws or regulations. You acknowledge and agree that it is your responsibility to ensure that your use of the Services complies with all applicable local laws and regulations, and that the use of such technologies to circumvent legal restrictions is a violation of these Terms;
• post content related to partisan political activities;
• harass, threaten, demean, embarrass, bully, or otherwise harm any other user of the Services;
• violate, encourage others to violate, or provide instructions on how to violate, any right of a third party, including by infringing or misappropriating any third-party intellectual property right;
• access, search, or otherwise use any portion of the Services through the use of any engine, software, tool, agent, device, or mechanism (including spiders, robots, crawlers, and data mining tools) other than the software or search agents provided by us;
• interfere with security-related features of the Services, including by: (a) disabling or circumventing features that prevent or limit use, printing or copying of any content; or (b) reverse engineering or otherwise attempting to discover the source code of any portion of the Services except to the extent that the activity is expressly permitted by applicable law;
• interfere with the operation of the Services or any user's enjoyment of the Services, including by: (a) uploading or otherwise disseminating any virus, adware, spyware, worm, or other malicious code; (b) making any unsolicited offer or advertisement to another user of the Services; (c) collecting personal information about another user or third party without consent; or (d) interfering with or disrupting any network, equipment, or server connected to or used to provide the Services;
• perform any fraudulent activity including impersonating any person or entity, claiming a false affiliation or identity, accessing any other Account without permission;
• sell or otherwise transfer the access granted under these Terms or any right or ability to view, access, or use any Services; or
• attempt to do any of the acts described in this section or assist or permit any person in engaging in any of the acts described in this section.

Intellectual Property Rights Protection
If you have an intellectual property rights-related complaint about any material on the Services please follow these steps:

Notification: Send a written notification to us, including:

• Your contact information (name, address, phone number, email).
• A description of the copyrighted work.
• The location of the infringing material (URL).
• A statement of good faith belief that the use is unauthorized.
• A statement under penalty of perjury that the information is accurate.
• Your physical or electronic signature.

Response: We will review your claim within 15 days upon receipt and take appropriate action, notifying you of our response within 45 days thereafter.

Repeat Infringers: We reserve the right to terminate accounts of users who are repeat infringers.

Term and Termination
Term. These Terms are effective beginning when you accept the Terms or first download, install, access, or use the Service, and ending when terminated as described

Termination. If you violate any provision of these Terms, then your authorization to access the Services and these Terms automatically terminate. In addition, we may, at our sole discretion, terminate these Terms and/or your Account, or suspend or terminate your access to the Services, at any time for any reason or no reason, with or without notice, and without any liability to you arising from such termination. You may terminate your Account and these Terms at any time by requesting deletion of your Account following the steps described in the setting page in your Account or by sending us a request via email.

Effect of Termination. Upon termination of these Terms: (a) your license and all corresponding rights will terminate and you must immediately cease all use of the Services; (b) you will no longer be authorized to access your Account or the Services; (c) you must pay us any unpaid amount that was due prior to termination; and (d) all payment obligations accrued prior to termination will survive. You are solely responsible for retaining copies of any User Generated Content you post to the Services because you may lose access rights to any User Generated Content you posted to the Services upon termination of your Account. If your Account has been terminated for a breach of these Terms, then you are prohibited from creating a new Account using a different name, email address or other forms of Account verification.

DISCLAIMER
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES AND ALL INCLUDED CONTENT ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED. WE SPECIFICALLY DISCLAIM ANY AND ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. WE FURTHER DISCLAIM ANY AND ALL LIABILITY RELATED TO YOUR ACCESS OR USE OF THE SERVICES OR ANY RELATED CONTENT. YOU ACKNOWLEDGE AND AGREE THAT ANY ACCESS TO OR USE OF THE SERVICES OR SUCH CONTENT IS AT YOUR OWN RISK.

LIMITATION OF LIABILITYTO
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM: (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (B) ANY CONDUCT OR CONTENT OF ANY PARTY OTHER THAN OUR PARTY, INCLUDING WITHOUT LIMITATION, ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT; OR (C) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR CONTENT OR INFORMATION. IN NO EVENT SHALL OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICES EXCEED FIFTY U.S. DOLLARS ($50) OR THE TOTAL AMOUNT OF FEES RECEIVED BY US FROM YOU FOR THE USE OF PAID SERVICES DURING THE PAST SIX MONTHS, WHICHEVER IS GREATER.

YOU ACKNOWLEDGE AND AGREE THAT THE DISCLAIMERS AND THE LIMITATIONS OF LIABILITY SET FORTH IN THIS TERMS OF USE REFLECT A REASONABLE AND FAIR ALLOCATION OF RISK BETWEEN YOU AND US, AND THAT THESE LIMITATIONS ARE AN ESSENTIAL BASIS TO COURSERA'S ABILITY TO MAKE THE SERVICES AVAILABLE TO YOU ON AN ECONOMICALLY FEASIBLE BASIS.

YOU AGREE THAT ANY CAUSE OF ACTION RELATED TO THE SERVICES MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

Indemnification
You agree to indemnify, defend, and hold us harmless from any and all claims, liabilities, expenses, and damages (to the extent attributable to you under the applicable law), including reasonable attorneys' fees and costs, made by any third party related to: (a) your use or attempted use of the Services in violation of these Terms; (b) your violation of any law or rights of any third party; or (c) User Generated Content, including without limitation any claim of infringement or misappropriation of intellectual property or other proprietary rights.

Governing Law and Venue
You agree that these Terms will be governed by the laws of Switzerland, excluding its conflicts of law provisions. In the event of any dispute that is not subject to binding arbitration, you and us will submit to the exclusive jurisdiction of the courts located in Switzerland. These Terms shall not deprive you of any mandatory consumer protections under the law of the country to which we direct Services to you, where you have your habitual residence.

Miscellaneous
General Terms. These Terms, including the Privacy Policy and any other agreements expressly incorporated by reference into these Terms, are the entire and exclusive understanding and agreement between you and us regarding your use of the Services. You may not assign or transfer these Terms or your rights under these Terms, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign these Terms and all rights granted under these Terms, including with respect to your User Generated Content, at any time without notice or consent. The failure to require performance of any provision will not affect our right to require performance at any other time after that, nor will a waiver by us of any breach or default of these Terms, or any provision of these Terms, be a waiver of any subsequent breach or default or a waiver of the provision itself. If any part of these Terms is held to be invalid or unenforceable, then the unenforceable part will be given effect to the greatest extent possible, and the remaining parts will remain in full force and effect.

Additional Terms. Your use of the Services is subject to all additional terms, policies, rules, or guidelines applicable to the Services or certain features of the Services that we may post on or link to from the Services (the "Additional Terms"). All Additional Terms are incorporated by this reference into, and made a part of, these Terms.

Consent to Electronic Communications. By using the Services, you consent to receiving certain electronic communications from us. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including that those communications be in writing.

Contact Information. You may contact us by sending correspondence to that address or by emailing us at evgeniy.nazarov.com@gmail.com.

Feedback and Complaints. Users are encouraged to provide feedback, reviews, and complaints regarding our Services. All communications can be directed to evgeniy.nazarov.com@gmail.com. We commit to acknowledging receipt of any feedback or complaint within 15 days and to respond to the complaint within 45 days. We value your input and strive to address any concerns promptly and effectively.


No Support. We are under no obligation to provide support for the Service. In instances where we may offer support, the support will be subject to published policies.

Sanctions. You hereby represent and warrant that you are not: (a) currently the subject or target of any U.S. sanctions or included on any government's sanctions list(s); or (b) prohibited from accessing or paying for the Services due to U.S. sanctions laws or regulations applicable to your location or country of residence.