Terms of Use
Last updated: December 31, 2025
These Terms of Use govern your access to and use of the services, platform, and content provided by Zorsklav ("we", "us", or "our") through xacijey.pro and any related digital properties. By accessing or using our platform, you agree to be bound by these terms. If you do not agree, you must not use our services.
1. Acceptance of Terms
By creating an account, accessing course materials, participating in sessions, or otherwise using the platform, you confirm that you have read, understood, and agree to these Terms of Use in full. These terms form a legally binding agreement between you and Zorsklav.
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. We will indicate the date of the most recent revision at the top of this page.
2. Eligibility
You must be at least 18 years of age to register for and use this platform independently. Users between the ages of 13 and 17 may use the platform only with verified parental or guardian consent. By using the platform, you represent and warrant that you meet these eligibility requirements.
We reserve the right to refuse access or terminate accounts where eligibility requirements are not met or where false information has been provided during registration.
3. Account Registration and Security
3.1 Account Creation
To access certain features of the platform, you must register for an account. You agree to provide accurate, current, and complete information during registration and to keep this information up to date at all times.
3.2 Account Responsibility
You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately at help@xacijey.pro if you suspect any unauthorised access to or use of your account.
3.3 Account Sharing
Accounts are personal and non-transferable. You may not share your account credentials with any third party or allow others to access the platform through your account. Any such sharing may result in immediate account suspension or termination.
4. Services Description
Zorsklav provides an online educational platform focused on family budgeting, offering both group and individual learning sessions, personalised learning paths, and live interaction with instructors. The specific features, content, and availability of services may vary depending on your subscription plan and location.
We reserve the right to modify, suspend, or discontinue any part of our services at any time with reasonable notice where practicable. We are not liable to you or any third party for any modification, suspension, or discontinuation of services.
5. Acceptable Use
5.1 Permitted Use
You may use the platform solely for lawful, personal, and non-commercial educational purposes in accordance with these terms. You agree to use the platform in a manner that is respectful of other users, instructors, and staff.
5.2 Prohibited Conduct
You must not engage in any of the following activities:
- Using the platform for any unlawful purpose or in violation of any applicable regulations
- Attempting to gain unauthorised access to any part of the platform, its servers, or related systems
- Reproducing, distributing, selling, or commercially exploiting any platform content without prior written permission
- Recording, capturing, or sharing live sessions without the explicit consent of all participants and Zorsklav
- Uploading or transmitting viruses, malware, or any other harmful code
- Engaging in harassment, abuse, or discriminatory behaviour toward any user, instructor, or staff member
- Impersonating any person or entity, or misrepresenting your affiliation with any person or entity
- Using automated tools, bots, or scrapers to extract data from the platform
- Interfering with or disrupting the integrity or performance of the platform
6. Intellectual Property
6.1 Platform Content
All content available on the platform, including but not limited to course materials, videos, written resources, graphics, logos, and software, is the exclusive property of Zorsklav or its licensors and is protected by applicable intellectual property laws. Nothing in these terms grants you any ownership rights in such content.
6.2 Limited Licence
Subject to your compliance with these terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use platform content solely for your personal educational purposes. This licence does not permit any commercial use, reproduction, or redistribution of content.
6.3 User Submissions
Where you submit, post, or contribute any content to the platform, including comments, questions, or assignments, you grant Zorsklav a non-exclusive, royalty-free, worldwide licence to use, display, and reproduce such content for the purposes of operating and improving the platform. You retain ownership of your submissions and represent that you have the right to grant this licence.
7. Payments and Subscriptions
7.1 Fees
Access to certain services on the platform requires payment of fees as described on the relevant service pages. All fees are stated in the applicable currency and are inclusive or exclusive of applicable taxes as indicated at the point of purchase.
7.2 Billing
Subscription fees are billed in advance on a recurring basis according to the billing cycle selected at the time of purchase. You authorise us to charge your chosen payment method for all applicable fees.
7.3 Cancellation and Refunds
You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of the current billing period. Refunds are issued at our discretion and in accordance with our refund policy, which is available upon request. We are not obligated to provide refunds for partially used subscription periods unless required by applicable law.
7.4 Price Changes
We reserve the right to adjust pricing at any time. Where we make changes to subscription pricing, we will provide reasonable advance notice. Continued use of the platform following a price change constitutes acceptance of the new pricing.
8. Privacy and Data
Your use of the platform is also governed by our Privacy Policy, which is incorporated into these terms by reference. By using the platform, you consent to the collection, use, and processing of your personal data as described in the Privacy Policy. We are committed to handling your data responsibly and in accordance with applicable data protection standards.
9. Third-Party Links and Services
The platform may contain links to third-party websites or services that are not owned or controlled by Zorsklav. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. We encourage you to review the terms and privacy policies of any third-party services you access through the platform.
10. Disclaimers
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 platform will be uninterrupted, error-free, or free from harmful components.
Educational content provided through the platform is intended for informational and learning purposes only. It does not constitute professional financial, legal, or other regulated advice. You should seek independent professional advice before making any financial decisions.
11. Limitation of Liability
To the fullest extent permitted by applicable law, Zorsklav and its directors, employees, partners, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of or inability to use the platform, even if we have been advised of the possibility of such damages.
Our total aggregate liability to you for any claim arising under or in connection with these terms shall not exceed the total amount paid by you to us in the twelve months preceding the event giving rise to the claim.
12. Indemnification
You agree to indemnify, defend, and hold harmless Zorsklav and its directors, employees, and licensors from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or 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 in our sole discretion violates these terms, is harmful to other users, or is otherwise detrimental to the platform or our business.
Upon termination, your right to access the platform will cease immediately. Provisions of these terms that by their nature should survive termination shall continue to apply, including but not limited to intellectual property, disclaimers, and limitation of liability.
14. Governing Terms
These Terms of Use represent the entire agreement between you and Zorsklav with respect to your use of the platform and supersede all prior agreements, representations, or understandings. If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
Our failure to enforce any right or provision of these terms shall not be deemed a waiver of such right or provision.
15. Contact Us
If you have any questions, concerns, or requests regarding these Terms of Use, please contact us:
- Email: help@xacijey.pro
- Phone: +353 539 174 990
- Address: Wolfe Tone Square, Tobercurry, Co. Sligo, F91 KR04, Ireland