12 / Terms ledger

Terms of Use

Effective date: September 1, 2025

1. Agreement

By using Qelvara Institute pages, you agree to these terms and our Privacy Policy. If you do not agree, please stop using the website.

2. Educational scope

Qelvara content is general education about investment concepts. It is not personal financial, tax, accounting, or legal advice. You remain responsible for decisions and should consult qualified professionals for personal circumstances.

3. No guarantees

Markets involve uncertainty. We do not promise returns, accuracy of forecasts, employment outcomes, or any particular financial result.

4. Website access

You may use the website for lawful personal learning. Do not interfere with its operation, attempt unauthorized access, scrape protected systems, impersonate another person, or use content to mislead others.

5. Intellectual property

Qelvara Institute owns or licenses the site’s text, structure, marks, and course materials. You may read and use materials for personal learning, but may not reproduce, sell, distribute, or present them as your own without written permission.

6. Catalog and cart

The catalog and cart are informational demonstrations. A cart action does not create a contract, process payment, or guarantee enrollment. Any future purchase would be governed by terms presented at that time.

7. Availability and liability

We aim to keep the website useful and available, but may change, suspend, or remove features. To the extent permitted by law, Qelvara is not liable for indirect loss arising from reliance on general educational content or temporary website unavailability.

8. Changes and governing process

We may revise these terms by posting an updated effective date. Questions and notices should be sent through Contact.