Terms of Service

1. Agreement to Terms

By accessing and using Horoscopyskva's website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Services

Horoscopyskva provides online emotional intelligence and stress management training through various formats including:

• Interactive video lessons and educational content
• Live coaching sessions and group workshops
• Practical assignments and assessments
• Individual coaching consultations
• Digital resources and downloadable materials
• Community forums and peer support networks

Our services are designed to help individuals develop emotional intelligence, manage stress effectively, and improve personal and professional relationships.

3. User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information during registration
• Maintain the security of your account credentials
• Use our services in compliance with all applicable laws
• Respect intellectual property rights of all content
• Engage respectfully with instructors and fellow participants
• Not share, distribute, or resell course materials without permission
• Complete assignments and participate actively in learning activities

4. Payment and Refund Policy

Payment terms for our services are as follows:

• Course Fees: All course fees must be paid in full before accessing course materials
• Payment Methods: We accept major credit cards and secure online payment systems
• Refund Policy: Refunds are available within 14 days of purchase if less than 20% of course content has been accessed
• Subscription Services: Monthly subscriptions can be cancelled at any time with access continuing until the end of the billing period
• Corporate Packages: Custom payment terms may apply for organizational training programs

5. Intellectual Property Rights

All content provided through Horoscopyskva services, including but not limited to videos, texts, exercises, assessments, and digital materials, is protected by copyright and other intellectual property laws. You acknowledge that:

• All content remains the exclusive property of Horoscopyskva
• You receive a limited, non-transferable license to access content for personal use only
• Recording, copying, or distributing content without written permission is prohibited
• Any materials you create or submit may be used by Horoscopyskva for educational purposes
• Trademark and branding elements are protected and cannot be used without authorization

6. Privacy and Data Protection

Your privacy is important to us. Our data handling practices include:

• Collection of personal information only as necessary for service delivery
• Secure storage and encryption of sensitive data
• Limited sharing of information only with service providers as needed
• Compliance with applicable data protection regulations including GDPR
• Your right to access, modify, or delete your personal information

For complete details on our data practices, please review our Privacy Policy.

7. Limitation of Liability

While we strive to provide high-quality educational services, please understand that:

• Our services are for educational purposes and do not constitute medical or psychological treatment
• Individual results may vary and are not guaranteed
• Horoscopyskva is not liable for indirect, incidental, or consequential damages
• Our total liability is limited to the amount paid for services
• Users should consult healthcare professionals for serious mental health concerns

8. Termination

Either party may terminate this agreement under the following conditions:

• User Termination: You may cancel your account at any time through your account settings
• Service Termination: We may suspend or terminate accounts for violations of these terms
• Effect of Termination: Upon termination, access to services will cease and data may be deleted
• Survival: Certain provisions including intellectual property rights survive termination

9. Modifications to Terms

Horoscopyskva reserves the right to modify these terms at any time. Changes will be communicated through:

• Email notification to registered users
• Updates posted on our website
• In-platform notifications for active users

Continued use of our services after notification of changes constitutes acceptance of modified terms.

10. Governing Law

These terms are governed by and construed in accordance with the laws of Ghana, without regard to conflict of law principles. Any disputes arising from these terms or use of our services shall be subject to the exclusive jurisdiction of the courts in Takoradi, Ghana.