Terms of Service

1. Acceptance of Terms

Welcome to Iolar Ventures. By accessing or using our website at https://iolarventures.online (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

These Terms constitute a legally binding agreement between you and Iolar Ventures ("we," "our," or "us"). We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting. We will notify you of material changes via email or through a prominent notice on the Service. Your continued use of the Service after any changes indicates your acceptance of the modified Terms.

If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2. Description of Service

Iolar Ventures provides digital products and solutions. The Service includes our website, mobile applications (if applicable), and any related services we provide.

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

Certain features of the Service may require registration or subscription. We may offer different service tiers with varying features, limitations, and pricing.

3. User Accounts

3.1 Registration

To access certain features of the Service, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information to keep it accurate and current
• Maintain the security and confidentiality of your account credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account or any other security breach
• Not share your account credentials with any third party
• Not create multiple accounts without our permission
• Not use another person's account without permission

3.2 Account Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to create an account and use the Service. By creating an account, you represent and warrant that you meet these age requirements.

3.3 Account Termination

We reserve the right to suspend or terminate your account at our sole discretion, with or without notice, if you violate these Terms or engage in any conduct we deem inappropriate, harmful to the Service, other users, or our business interests.

You may terminate your account at any time by contacting us at support@iolarventures.online. Upon termination, your right to access and use the Service will immediately cease.

We reserve the right to retain certain information as required by law or for legitimate business purposes after account termination.

4. User Conduct

You agree not to:

• Use the Service for any illegal purpose or in violation of any applicable local, state, national, or international laws
• Violate or infringe upon the rights of others, including intellectual property rights, privacy rights, or contractual rights
• Transmit any viruses, malware, ransomware, or other harmful code
• Attempt to gain unauthorized access to any part of the Service, other users' accounts, or any systems or networks connected to the Service
• Interfere with or disrupt the Service, servers, or networks connected to the Service
• Use any automated systems, including robots, spiders, or scrapers, to access the Service without our express written permission
• Harass, abuse, threaten, or harm other users
• Impersonate any person or entity, or falsely claim an affiliation with any person or entity
• Collect or harvest information about other users without their consent
• Post or transmit any false, misleading, or fraudulent content
• Engage in any activity that could damage our reputation or business
• Use the Service to distribute spam, chain letters, or other unsolicited communications
• Reverse engineer, decompile, or disassemble any aspect of the Service
• Remove or modify any copyright, trademark, or proprietary notices
• Use the Service for any commercial purpose without our express written consent

5. Intellectual Property Rights

5.1 Our Content

All content on the Service, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, data compilations, software, and the compilation thereof (collectively, "Content"), is owned by or licensed to Iolar Ventures and is protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service and Content for your personal, non-commercial use, subject to these Terms. This license does not include any right to:

• Use the Content for commercial purposes
• Collect, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, or sell any Content
• Use any data mining, robots, or similar data gathering or extraction methods
• Download (other than page caching) any portion of the Service or Content, except as expressly permitted

5.2 Trademarks

"Iolar Ventures" and all related logos, product and service names, designs, and slogans are trademarks of Iolar Ventures. You may not use these trademarks without our prior written permission. All other trademarks are the property of their respective owners.

5.3 User Content

If you submit, post, upload, or transmit any content to the Service ("User Content"), you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, publicly display, and publicly perform such User Content in any media format and through any media channel, now known or hereafter developed.

You represent and warrant that:

• You own or have the necessary rights, licenses, consents, and permissions to grant the above license
• Your User Content does not violate any third-party rights, including intellectual property rights, privacy rights, or publicity rights
• Your User Content does not contain any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable material
• Your User Content does not contain any viruses, malware, or other harmful code

We reserve the right to remove, modify, or refuse to post any User Content that violates these Terms or that we deem inappropriate for any reason, at our sole discretion.

5.4 Copyright Infringement

We respect the intellectual property rights of others and expect our users to do the same. If you believe that any content on the Service infringes your copyright, please contact us at support@iolarventures.online with the following information:

• A physical or electronic signature of the copyright owner or authorized agent
• Identification of the copyrighted work claimed to have been infringed
• Identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate the material
• Your contact information (address, telephone number, and email address)
• A statement that you have a good faith belief that use of the material is not authorized by the copyright owner
• A statement that the information in the notification is accurate and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner

6. Payment and Fees

6.1 Pricing

If you purchase products or services through our Service, all fees are stated in the applicable currency and are subject to change with reasonable notice. Current pricing is available on our website.

6.2 Payment Terms

You agree to:

• Pay all applicable fees and charges associated with your account
• Provide accurate and complete payment information
• Update your payment information promptly if it changes
• Pay all applicable taxes, including VAT, sales tax, or other similar taxes

6.3 Billing

For subscription services, you authorize us to charge your payment method on a recurring basis for the subscription fees. Subscriptions automatically renew unless you cancel before the renewal date.

6.4 Refunds

All fees are non-refundable unless otherwise specified in writing or required by law. We may, at our sole discretion, offer refunds on a case-by-case basis.

6.5 Late Payment

Failure to pay may result in suspension or termination of your access to the Service. We reserve the right to charge interest on overdue amounts at the rate of 1.5% per month or the maximum rate permitted by law, whichever is lower.

6.6 Free Trials

We may offer free trial periods for certain services. At the end of the trial period, your subscription will automatically convert to a paid subscription unless you cancel before the trial ends. We reserve the right to modify or cancel free trial offers at any time.

7. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your information.

8. Third-Party Services and Links

The Service may contain links to third-party websites, applications, or services that are not owned or controlled by Iolar Ventures. We are not responsible for the content, privacy policies, terms of service, or practices of any third-party websites or services.

You acknowledge and agree that we shall not be liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of any third-party services.

We may integrate third-party services (such as payment processors, analytics tools, or social media platforms) into the Service. Your use of these third-party services is subject to their respective terms and conditions.

9. Disclaimers

9.1 "As Is" Basis

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

9.2 No Guarantee

We do not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free
• The results obtained from using the Service will be accurate, complete, or reliable
• The quality of any products, services, information, or other material obtained through the Service will meet your expectations
• Any errors in the Service will be corrected
• The Service will be compatible with all devices and browsers
• The Service will be available at all times or at any specific time

9.3 Use at Your Own Risk

Your use of the Service is at your sole risk. Any material downloaded or otherwise obtained through the Service is accessed at your own discretion and risk, and you will be solely responsible for any damage to your computer system or loss of data that results from the download of such material.

9.4 Professional Advice

The information provided on the Service is for general informational purposes only and should not be construed as professional advice. You should consult with appropriate professionals for specific advice tailored to your situation.

10. Limitation of Liability

10.1 General Limitation

TO THE FULLEST EXTENT PERMITTED BY LAW, IOLAR VENTURES, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, PARTNERS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or business
• Loss of data or information
• Loss of goodwill or reputation
• Business interruption
• Cost of procurement of substitute goods or services
• Any other intangible losses

This limitation applies whether the liability is based on contract, tort (including negligence), strict liability, or any other legal theory, and even if we have been advised of the possibility of such damages.

10.2 Maximum Liability

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT INCLUDING NEGLIGENCE, OR OTHERWISE) EXCEED THE GREATER OF:

• The amount paid by you to us in the twelve (12) months preceding the event giving rise to liability, or
• One hundred dollars ($100 USD)

10.3 Essential Basis

You acknowledge that the limitations of liability set forth in this section are fundamental elements of the basis of the bargain between you and Iolar Ventures, and that the Service would not be provided without such limitations.

10.4 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless Iolar Ventures and its officers, directors, employees, agents, affiliates, partners, licensors, and service providers from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees and court costs) arising from or related to:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any rights of another party, including any intellectual property rights
• Your User Content
• Your violation of any applicable laws or regulations
• Any negligent or wrongful conduct by you

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you will cooperate with us in asserting any available defenses.

12. Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law provisions.

12.2 Informal Resolution

Before filing a claim, you agree to try to resolve the dispute informally by contacting us at support@iolarventures.online. We will attempt to resolve the dispute informally within 60 days. If we cannot resolve the dispute informally, you or we may pursue the dispute through the formal dispute resolution procedures below.

12.3 Arbitration Agreement

Any disputes arising out of or relating to these Terms or the Service that cannot be resolved informally shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the United Kingdom, except that either party may seek injunctive relief in a court of competent jurisdiction.

The arbitration will be conducted in the United Kingdom, and judgment on the arbitration award may be entered in any court having jurisdiction. Each party will be responsible for its own arbitration costs and attorneys' fees, unless otherwise awarded by the arbitrator.

12.4 Class Action Waiver

YOU AGREE THAT ANY PROCEEDINGS TO RESOLVE DISPUTES WILL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

12.5 Jury Trial Waiver

TO THE EXTENT PERMITTED BY LAW, YOU AND IOLAR VENTURES WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE.

12.6 Exceptions to Arbitration

Notwithstanding the above, either party may bring a claim in small claims court if it qualifies, and either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent infringement or misappropriation of intellectual property rights.

12.7 EU/UK Users

If you are a consumer based in the European Union or United Kingdom, nothing in these Terms affects your statutory rights as a consumer under applicable consumer protection laws. You may also have the right to bring proceedings in the courts of your country of residence.

13. General Provisions

13.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies or agreements referenced herein, constitute the entire agreement between you and Iolar Ventures regarding the Service and supersede all prior agreements, understandings, and communications, whether written or oral.

13.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision will be modified to the minimum extent necessary to make it valid and enforceable.

13.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. A waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of Iolar Ventures.

13.4 Assignment

You may not assign, transfer, or delegate these Terms or your rights and obligations hereunder without our prior written consent. We may freely assign, transfer, or delegate these Terms and our rights and obligations without restriction. Any attempted assignment in violation of this provision is void.

13.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

13.6 Survival

The provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, disclaimers, limitations of liability, indemnification, and dispute resolution provisions.

13.7 Headings

The headings and section titles in these Terms are for convenience only and have no legal or contractual effect.

13.8 Language

These Terms are drafted in English. Any translations are provided for convenience only. In the event of any conflict between the English version and a translated version, the English version shall prevail.

13.9 Electronic Communications

By using the Service, you consent to receive electronic communications from us. These communications may include notices about your account, transactional information, and promotional messages. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

13.10 No Partnership

Nothing in these Terms shall be deemed to create any partnership, joint venture, agency, franchise, sales representative, or employment relationship between you and Iolar Ventures.

13.11 Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights in any individual or entity that is not a party to these Terms.

14. Export Controls

The Service may be subject to export controls and economic sanctions laws and regulations. You agree to comply with all applicable export control laws and regulations and shall not export, re-export, or transfer the Service or any related technical data to any prohibited country, entity, or individual without proper authorization.

15. Accessibility

We are committed to making our Service accessible to individuals with disabilities. If you have difficulty accessing any part of the Service, please contact us at support@iolarventures.online, and we will work with you to provide the information or functionality you need.

16. California Residents

Under California Civil Code Section 1789.3, California residents are entitled to the following specific consumer rights information:

• The provider of the Service is Iolar Ventures, located at iolarventures.online/contact-us
• To file a complaint regarding the Service or to receive further information, contact us or the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834 or by telephone at (800) 952-5210

17. Contact Information

If you have any questions, concerns, or requests regarding these Terms, please contact us at: