Terms and conditions of service
These are the Terms and Conditions of Service (“Terms and Conditions”, “Terms of Service”, “Terms”) on which we agree to supply products to you, whether the products consist of goods, services, digital products, e-books, pdf download, online content or a mixture of those things.
All customers are advised to review and read these Terms of Service carefully before making any purchase / placing an order with us. Once we have accepted your order, these Terms of Service will form a legally binding contract between us.
If you do not agree with any of the Terms of Service, please contact us to discuss this, before placing any order. If you do not agree to all the Terms of Service of this agreement, then you may not access the website or use any services.
SECTION 1 – WHO WE ARE
We are Lifekoru, Ltd a company registered in England under company number 10890536 whose registered office is at 9 St. Ann’s Park Road, London, SW18 2RW, England.
You can contact us by writing to the address above or by email at email@example.com
Throughout the site, the terms “we”, “us” and “our” refer to Lifekoru, Ltd.
SECTION 2 – OVERVIEW & GENERAL CONDITIONS
This website is operated by Lifekoru, Ltd.
Lifekoru, Ltd offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.
By visiting our site and/or purchasing something from us, you engage in our “Service” and agree to be bound by the following Terms and Conditions of Service (“Terms and Conditions”, “Terms of Service”, “Terms”), including those additional Terms of Service and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.
Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the Terms of Service of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.
Any new features or tools which are added to the current site shall also be subject to the Terms of Service.
You can review the most current version of the Terms of Service at any time on this page.
We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.
All digital products, e-books, pdf-downloads, resource material, videos and online content are subject to copyright protection. Each digital product, e-book, pdf download and online content sold is licensed to a single user only. Customers are not allowed to copy, distribute, share and/or transfer the product/s (and/or their associated username/passwords) they purchased to any third party or person.
All transactions for purchase of intangible products, e-books, pdf downloads, resource material, videos and online content are made through payment gateways such as Stripe and PayPal that use SSL encryption. These payment gateways are safe and secure for using all types of credit cards and debit cards in different countries and your details are not stored during this process.
In case you are not redirected back to our website after purchase or you do not receive an email from us with a link to the product of your purchase, you can immediately contact us with your transaction details, including the email ID through which the payment was made. We will revert back to you with your product details and download link as soon as possible.
All purchases for digital downloads are non-refundable or exchangeable. Since the products made available here are intangible, we cannot accept any request for refunds.
By placing an order with us, you warrant that you are at least 18 years old (or have parents’ permission to buy from us) and accept these Terms of Service which shall apply to all orders placed or to be placed with us for the sale and supply of any products.
We reserve the right to refuse service to anyone for any reason at any time.
SECTION 3 – AGE OF CONSENT & CONDITIONS OF USE
By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.
You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).
You must not transmit any worms or viruses or any code of a destructive nature.
A breach or violation of any of the Terms of Service will result in an immediate termination of your Services.
SECTION 4 – USE OF WEBSITE
This section governs your right to use our website and your access to and use of our program(s) and/or any products or services acquired in relation to our program(s) and/or our website and/or any links provided on our website to other websites.
In downloading any content from our website to your computer, you do not receive any ownership rights to such content and by downloading any content you agree not to use the content for any unlawful purpose and you agree that your use of our website is only for your personal use and not for any commercial or other use contrary to these Terms of Service and our legal rights in respect of our website and our program(s).
You agree that if you download any content from www.lifekoru.com you will not reproduce, distribute in person, publish, republish, print, upload to any third party, post on any social media site or forum, or distribute or modify or otherwise deal with any content in our website in whatever format, personally or otherwise, and/or provide it, or any part of it, to a third party that would otherwise infringe our intellectual property rights.
You agree that in downloading any service or product from our website, you will not rent, lease or lend it to a third party nor decompile, reverse engineer, modify or derive content from our website and/or make it available over a network where it could be used by multiple devices at the same time.
You agree that in using our website, you will not post threatening, harassing, defamatory, obscene, offensive, hate mail or speech or facilitate others to commit such acts in whatever format.
You agree that you will not post comments about our website, any of its content, its individual representatives, officers, directors, consultants and/or employees without the prior written consent of ourselves.
SECTION 5 – COPYRIGHT PROTECTION
This copyright notice applies to the website https.//www.lifekoru.com, owned by Lifekoru, Ltd.
Copyright exists in the website and includes and extends to all text, images, graphics, photographs, designs, logos, icons, documents, PDFs, videos, audios and recordings, words, phrases, proprietary pages and product names referred to and included in the websites, unless otherwise obtained from a third party who may itself have its own copyright in that material.
Each digital item, PDF file, e-book and online content sold is licensed to a single user only. Customers are not permitted to copy, distribute, share, or transfer the product(s) (or their username/passwords) they purchased to any person or third party.
All digital products including, but not limited to, PDF files, source material, e-books, videos, and online content are subject to copyright protection. In some cases Lifekoru, Ltd may encrypt, force password and/or stamp license details (including customer name, address, order number, etc.) on its digital products to ensure additional safety and prevent against theft or illegal file sharing.
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the Service is provided, without express written permission by us. You must not copy or reproduce them in any format for the purpose of distributing them to anyone else, whether or not for payment and we have the right to bring legal proceedings to stop you from doing so.
By virtue of these Terms of Service, you are granted a non-exclusive, non-transferable, non-sub-licensable license to personally access and use, for non-commercial purposes, the website and the services offered on the website.
If you will be printing it on a public computer, you must delete it from the computer once you are done.
Full-scale reproduction of e-book contents is expressly prohibited.
SECTION 6 – INTELLECTUAL PROPERTY
– means all our proprietary rights and interests including, but not limited to, all intellectual or industrial property whether registered or unregistered, non-existing or coming into existence in the future in connection with or related to or otherwise created, invented, designed or otherwise owned by us, as referred to in these Terms of Service as varied from time to time and without limitation;
– includes copyright, trademarks, designs, patents, character names, writings, digital content, business names, inventions, ideas, symbols, artwork, confidential information and moral rights.
SECTION 7 – PRODUCTS OR SERVICES
Certain products or services may be available exclusively online, through this website. These products or services may have limited quantities and are subject to return or exchange only according to our Return/Refund Policy.
We reserve the right, but are not obligated, to limit the sales of our products or Services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at any time without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product or service made on this site is void where prohibited.
We have made every effort to display as accurately as possible the colours and images of our products that appear at the store. We cannot guarantee that your computer monitor’s display of any colour will be accurate.
We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.
SECTION 8 – RETURN/REFUND POLICY & CHANGE OF MIND
As all of our products are digital, they are deemed used from the moment of purchase (when we send you the necessary log-in or download details or the digital content itself) and they are non-refundable. This unfortunately means we have a strictly no refund policy in regard to dissatisfaction with product. As we do not provide refunds or exchanges if you have changed your mind or made a wrong selection by mistake, we recommend you carefully preview any orders before adding them to your shopping cart and proceeding with your order. Should you have any questions regarding a particular product, please contact us.
If for whatever reason you are dissatisfied, have any unanswered questions or are having trouble downloading the file, we provide full assistance to resolve any question or problem you may have. Download instructions can be found here: download instructions
We are not responsible for lost or forgotten emails, or lack of download on the consumers’ part for any reason. Download links are active for 7 days.
SECTION 9 – ADJUSTMENT OF ORDERS
All orders are considered final at time of placement. Please check your details carefully before submitting your order. Once an order is placed, there is no guarantee that it can be altered or changed in any way however, we will endeavour to accommodate where possible.
SECTION 10 – PAYMENT TRANSACTIONS
Transactions performed through www.lifekoru.com are handled through third party dedicated gateways to guarantee your protection. Credit card information is not stored and all credit card information is handled over SSL encryption.
All payments are managed by a third party payment gateway, Stripe. (www.stripe.com) All payment amounts are represented in GBP as this is the currency of our host country. Stripe does not provide converting transactions prices, for example if you are in America it will not show the equivalent in USD. We have listed equivalents of some of the main currencies of our products on their respective pages. Please be aware these “equivalents” are subject to change as is the foreign exchange stock market at any given time. Therefore we are not liable for any discrepancies in charges for international currencies. Our equivalent currency prices are changed periodically but they are not automatic updates to reflect foreign exchange market prices. All transactions processed on www.lifekoru.com will be charged to the customer in the equivalent amount in their host countries currency per the GBP price. All currency conversions and their calculations through payment are made via Stripe.
SECTION 11 – ACCURACY OF BILLING AND ACCOUNT INFORMATION
We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.
You agree to provide current, complete and accurate purchase and account information for all purchases made at our site. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.
For more detail, please review our Return/Refund Policy.
SECTION 12 – SECURITY
To protect your personal information, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed.
If you provide us with your credit card information, the information is encrypted using secure socket layer technology (SSL) and stored with a AES-256 encryption. Although no method of transmission over the Internet or electronic storage is 100% secure, we follow all PCI-DSS (Payment Card Industry – Data Security Standard) requirements and implement additional generally accepted industry standards.
A cookie is a small text file stored on your computer that contains information that helps the website to identify and track the visitor. Cookies do no harm to your computer, consist only of text, cannot contain viruses and occupies virtually no space on your hard drive. There are two types of cookies: “Session Cookies” and cookies that are saved permanently on your computer.
The first type of cookie commonly used is “Session Cookies”. During the time you visit the website, our web server assigns your browser a unique identifier string so as not to confuse you with other visitors. A “Session Cookie” is never stored permanently on your computer and disappears when you close your browser. To use www.lifekoru.com without troubles you need to have cookies enabled.
The second type of cookie saves a file permanently on your computer. This type of cookie is used to track how visitors move around on the website. This is only used to offer visitors better services and support. The text files can be deleted. On this website we use this type of cookie to keep track of your shopping cart and to keep statistics of our visitors. The information stored on your computer is only a unique number, without any connection to personal information.
SECTION 14 – OPTIONAL TOOLS, THIRD-PARTY SERVICES & LINKS
We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.
Third-party vendors, including Google, may show you our ads on sites across the Internet.
When you click on links on our store, they may direct you away from our site. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements.
You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.
Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).
We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.
Certain content, products and services available via our Service may include materials from third-parties. In general, the third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us. However, certain third-party service providers, such as payment gateways and other payment transaction processors, have their own privacy policies in respect to the information we are required to provide to them for your purchase-related transactions.
For these providers, we recommend that you read their privacy policies so you can understand the manner in which your personal information will be handled by these providers. In particular, remember that certain providers may be located in or have facilities that are located a different jurisdiction than either you or us. So if you elect to proceed with a transaction that involves the services of a third-party service provider, then your information may become subject to the laws of the jurisdiction(s) in which that service provider or its facilities are located. As an example, if you are located in Canada and your transaction is processed by a payment gateway located in the United States, then your personal information used in completing that transaction may be subject to disclosure under United States legislation, including the Patriot Act.
Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.
We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.
SECTION 15 – LEGAL & MEDICAL DISCLAIMER
All information provided by Lifekoru, Ltd and the author(s) is of a general nature and is shared for entertainment purposes only. No information is to be taken as medical or other health advice pertaining to any individual’s specific health or medical condition.
The author(s) and Lifekoru, Ltd are not engaged in rendering medical or professional services and make no guarantee regarding the accuracy, completeness, timeliness of any (text) content. Any content provided is not a diagnosis, treatment plan or recommendation for a particular course of action regarding your health and is not intended to provide specific medical advice. Do not delay seeking the diagnosis and advice of your healthcare professional because of anything you may have read, seen or interpreted in the contents provided by Lifekoru, Ltd and by the author(s). Consult your healthcare professional before practicing any recommendation or acting on any content provided in our guides, PDFs, e-books, other content(s).
You agree to indemnify and hold Lifekoru, Ltd and the author(s) harmless from any and all losses, liabilities, injuries or damages resulting from any and all claims causes of action, suits, proceedings or demands against Lifekoru, Ltd and the author(s) arising from or related to decisions or recommendations you make using our guides, PDFs, e-books, other content(s).
You acknowledge that all the contents provided of our guides, PDFs, e-books, other content(s) are a mere representation of the individual author’s view and experiences and that the application of any action is your own choice and at your own risk.
SECTION 16 – ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION
We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information and entertainment purposes only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.
This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.
SECTION 17 – ERRORS, INACCURACIES AND OMISSIONS
Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).
We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.
SECTION 18 – DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY
We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.
We do not warrant that the results that may be obtained from the use of the Service will be accurate or reliable.
You agree that, from time to time, we may remove the Service for indefinite periods of time or cancel the Service at any time, without notice to you.
You expressly agree that your use of, or inability to use, the Service is at your sole risk. The Service and all products and services delivered to you through the Service are (except as expressly stated by us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.
In no case shall Lifekoru, Ltd, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation, lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the Service, or for any other claim related in any way to your use of the Service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the Service or any content (or product) posted, transmitted, or otherwise made available via the Service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.
SECTION 19 – MODIFICATIONS TO THE SERVICE AND PRICES
Prices for our products are subject to change without notice.
We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.
We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.
SECTION 20 – INDEMNIFICATION
You agree to indemnify, defend and hold Lifekoru, Ltd and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.
SECTION 21 – USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS
If, at our request, you send certain specific submissions (for example contest entries or progress photos) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.
We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libellous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.
You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libellous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.
Lifekoru, Ltd does not claim ownership of the materials you provide to us (including feedback and suggestions) or post, upload, input or submit. However, by posting, uploading, inputting, providing or submitting your submission you are granting Lifekoru, Ltd, its affiliated companies and necessary sub-licensees permission to use your submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your submission. No compensation will be paid with respect to the use of your submission, as provided herein. Lifekoru, Ltd are under no obligation to post or use any submission you may provide and may remove it. By submitting, you agree that your results are achieved by using any of our e-books PDF/ N.E.A.T. Program Guides. The images uploaded are true and not altered in anyway using such programs as Photoshop.
SECTION 22 – PROHIBITED USES
In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.
SECTION 23 – SEVERABILITY
In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.
SECTION 24 – TERMINATION
The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.
These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.
If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly we may deny you access to our Services (or any part thereof).
SECTION 25 – ENTIRE AGREEMENT
The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.
These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).
Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.
SECTION 26 – GOVERNING LAW
These Terms of Service and any separate agreements whereby we provide you Services shall be governed by English law and either of us can insist that any dispute arising out of it is dealt with by the courts of England and Wales.
These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with The Consumer Contracts Regulations – which came into force on 13 June 2014 and implement the Consumer Rights Directive. For full details of your rights, please visit the Citizens Advice Bureau website at www.adviceguide.org.uk or www.which.co.uk/consumer-rights/regulation
SECTION 27 – CHANGES TO TERMS OF SERVICE
You can review and modify the most current version of the Terms of Service at any time at this page, so please review it frequently. Changes and clarifications will take effect immediately upon their posting on the website.
We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.
SECTION 28 – CONTACT INFORMATION
Questions about the Terms of Service should be sent to us at firstname.lastname@example.org
We reserve the right to modify these Terms of Service at any time.
By visiting this website and purchasing products, you agree to the above.