Introduction

Welcome to Kerk LLC ("we," "us," or "our"). By using our website and enrolling in our online course, you agree to comply with and be bound by the following Terms and Conditions and Privacy Policy. Please review them carefully. If you do not agree with these Terms, you should not register for the course or use our website.

Section 1: Terms and Conditions

1. Course Enrollment and Payment Terms

Pricing

• The price of the Course displayed on our website at the time of enrollment is the current price.
• Kerk LLC reserves the right to change the Course price at any time without prior notice.

Payment and Refunds

• Full payment is required at the time of enrollment.
• If the Participant cancels within 3 calendar days of payment, a full refund will be issued. After 3 days, payments are non-refundable.
• To request a refund, contact info@maestroskill.com within the specified period. Once the refund is processed, access to the Course materials will be revoked and the Participant’s account deleted.

Access Duration

• Course access is valid for 6 months from the payment date.
• After the 6-month period, access to the Course materials will automatically expire.

2. Eligibility

• The Course is available to individuals 18 years or older.
• By registering, the Participant confirms that they meet this age requirement and possess the legal capacity to enter into this Agreement.
• The Participant must provide accurate, up-to-date registration information and update it if necessary.

3. Participation and Conduct

Professional Conduct

• The Participant agrees to behave respectfully and professionally throughout the Course.
• Disruptive or disrespectful behavior, harassment, or other inappropriate actions may lead to termination of access without a refund.

User Conduct

• Participants may not engage in any activity that interferes with the functioning of the Course platform or its servers.
• Course materials may not be used for unlawful purposes or in ways that violate others’ rights.

Interactive Features

• Any communication within forums, chats, or discussion boards must follow acceptable conduct standards.
• Kerk LLC reserves the right to remove any user-generated content that violates these standards.

4. Intellectual Property

Ownership of Materials

• All Course content, including videos, documents, presentations, and other materials, is the exclusive intellectual property of Kerk LLC.
• Participants are prohibited from copying, distributing, modifying, or creating derivative works from any Course materials without prior written consent.

License to Use

• Participants receive a limited, non-exclusive, non-transferable license to access and use Course materials for personal, non-commercial purposes during the access period.
• Login credentials and Course materials may not be shared with third parties.

User-Submitted Content

• By submitting or uploading materials (e.g., comments, photos, videos) to Kerk LLC, the Participant grants a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, modify, and display such materials in any format and medium.

5. Disclaimer of Warranties

• The Course materials are provided “as is”, without any express or implied warranties, including accuracy, completeness, or fitness for a particular purpose.
• Kerk LLC does not guarantee that the Course content will be error-free or uninterrupted.

6. Limitation of Liability

To the fullest extent permitted by law, Kerk LLC shall not be liable for any direct, indirect, incidental, consequential, or punitive damages resulting from the use of the Course materials or participation in the Course.

7. Modification of Terms

Kerk LLC reserves the right to amend this Agreement at any time by updating the “Effective Date.” Continued participation in the Course constitutes acceptance of any updated terms.

8. Governing Law and Dispute Resolution

• This Agreement is governed by the laws of the State of Texas, without regard to conflict-of-law principles.
• All disputes shall be resolved through binding arbitration in Texas, TX, on an individual basis.
• The Participant waives the right to participate in any class action proceedings.

9. Severability

If any provision of this Agreement is found invalid or unenforceable, such provision shall be modified or limited to the minimum extent necessary, and the remainder shall remain in full force and effect.

10. Entire Agreement

This Agreement constitutes the entire understanding between the Participant and Kerk LLC regarding the Course and supersedes all prior agreements or communications, written or oral.

11. Contact Information

Contact Us

If you have any questions about this Agreement, please contact us at:

Kerk LLC
info@maestroskill.com

Section 2. Privacy Policy

Information We Collect

Personal Information:

We collect personal information that you voluntarily provide to us when registering for our online course, subscribing to our communications, or making a purchase. This may include:

• Name
• Email Address
• Phone Number
• Postal Address
• Payment Information (e.g., credit card details)
• Any other information you voluntarily provide

Automatically Collected Information:

We may collect certain information automatically as you navigate through our Site. This includes:

• Your IP address
• Browser type and version
• Operating system
• Pages you visit on our Site and the links you click
• The time and date of your visit

We may also use cookies, web beacons, and similar tracking technologies to enhance your experience and gather usage data.

How We Use Your Information

To Facilitate Online Course Participation:

• We use your information to manage your enrollment, send you reminders, updates, and other relevant information about the course.

Communication:

• We may use your information to communicate with you regarding your participation, provide customer support, and respond to your inquiries.
• Marketing and Promotions:
• With your consent, we may use your information to inform you about other services and offerings from Fibonacci LLC that may be of interest to you.
• Data Analytics:
• We may analyze data to improve our website, course offerings, and overall service delivery.

Compliance:

• We use your information to comply with applicable laws and regulations and to protect our rights and property.

Disclosure of Your Information

Third-Party Service Providers:

• We may share your information with third-party service providers who assist us in operating our Site, conducting our business, or providing services to you. These providers are obligated to protect your information and may not use it for any other purpose.

Legal Obligations:

• We may disclose your information when required by law or to protect our rights, property, or safety, or that of others.

Business Transfers:

• In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the acquiring entity.

Advertising Partners:

• We may share non-personally identifiable information with third-party advertisers to deliver targeted advertisements.

Third-Party Links and Services

• Our Site may include links to third-party websites or offer services provided by third parties. This Privacy Policy does not cover the practices of these third-party websites or services, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of these third parties.Data Security and Storage
• We implement appropriate technical and organizational measures to safeguard your personal information from unauthorized access, disclosure, alteration, or destruction. Your information is stored securely and is only accessible by authorized personnel.

Your Rights

• Access: You have the right to request access to the personal information we hold about you.
• Correction: You may request corrections to any inaccurate or incomplete personal information.

• Deletion: You have the right to request the deletion of your personal information, subject to certain exceptions.
• Objection: You may object to the processing of your personal information for certain purposes.
• Withdrawal of Consent: You may withdraw your consent to our processing of your personal information at any time.

To exercise any of these rights, please contact us at  info@maestroskill.com

Children's Privacy

• Our Site and services are not directed to children under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently collected such information, we will take steps to delete it. If you are a parent or guardian and believe we have collected your child's information, please contact us.

Use of Cookies and Tracking Technologies

• Cookies: We use cookies to enhance your experience on our Site. You can choose to disable cookies through your browser settings, but this may affect your ability to use certain features of our Site.
• Google Analytics and Facebook: We use Google Analytics and Facebook advertising features to track and analyze site usage and improve our services. You can opt out of Google Analytics by visiting Google’s ad settings, and you can manage Facebook advertising settings through your Facebook account.

Changes to This Privacy Policy

• We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the updated policy on our Site and updating the "Effective Date" at the top of this document. Your continued use of the Site after any changes indicates your acceptance of the updated Privacy Policy.

Contact Us

• If you have any questions about this Privacy Policy or our data practices, please contact us at:
• Kerk LLC
• Email: info@maestroskill.com