This Service includes subscriptions that automatically renew. Please read these Terms and Conditions of Use (the "Terms") carefully, in particular Section 6 (Payments, Subscriptions, and Cancellations), before starting a trial or completing a purchase for our auto-renewing subscription service.
To avoid being charged you must affirmatively cancel your subscription at least 24 hours before the end of the trial or then-current subscription period. When purchasing a subscription that automatically renews, you agree to its auto-renewal nature and to its terms defined near the point of purchase and acknowledge that to avoid charges you would need to affirmatively cancel it.
Depending on where you have purchased your subscription, if you are unsure how to cancel a subscription or a trial, please visit the Apple support website, Google Play help (or any other app stores support pages), or our websites. Deleting the app does not cancel your subscriptions and trials. We also aim to provide information about our subscription policies at or near the point of purchase. Please review these policies prior to making purchases. You may wish to make a print screen of this information for your reference.
Our privacy practices are detailed in our Privacy Policy. Please review the contents to understand how your personal information is collected, used, and shared.
PLEASE NOTE: THESE TERMS CONTAIN IMPORTANT DISCLAIMERS AND LIMITATIONS THAT AFFECT YOUR RIGHTS UNDER THESE TERMS, INCLUDING A BINDING ARBITRATION PROVISION IN SECTION 7 THAT AFFECTS YOUR RIGHTS UNDER THESE TERMS. THE ARBITRATION PROVISION REQUIRES THAT DISPUTES BE RESOLVED IN ARBITRATION ON AN INDIVIDUAL BASIS. IN ARBITRATION, THERE IS NO JUDGE OR JURY, AND THERE IS LESS APPELLATE REVIEW THAN IN COURT. EXCEPT AS SPECIFIED BELOW IN SECTION 7, UNLESS YOU OPT OUT WITHIN 30 DAYS OF FIRST USE OF OUR SERVICE AS PROVIDED FOR IN SECTION 7, ARBITRATION IS THE EXCLUSIVE VENUE FOR ANY AND ALL DISPUTES AND IS MANDATORY.
FURTHERMORE, THESE TERMS CONTAIN IMPORTANT DISCLAIMERS (SECTION 2), CLASS ACTION WAIVER (SECTION 7), AND LIMITATION OF LIABILITY (SECTION 11).
THE SERVICE IS PROVIDED SOLELY FOR INFORMATIONAL AND EDUCATIONAL PURPOSES. WE ARE NOT FINANCIAL ADVISORS, AND THE SERVICE DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, OR LEGAL ADVICE. YOU ARE SOLELY RESPONSIBLE FOR YOUR FINANCIAL DECISIONS.
Contents:
1.1. The provisions of these Terms and Conditions of Use ("Terms") govern the legal relationship between you and Imponilox Limited (reg. No. HE 405373), with its registered office at Themistokli Dervi 39, 1st floor, Office 104, 1066, Nicosia, Cyprus ("Company", "we", "us", "our").
1.2. These Terms establish a legally binding contractual relationship between you and the Company regarding your use of the Companyʼs digital products and services (collectively, the "Service" or "Services"). The Service includes the Company's website, mobile applications, and all related content, features, quizzes, assessments, and tools provided by the Company.
1.3. These Terms apply to all aspects of the Service, including all information, text, graphics, software, and content available for your use.
1.4. PLEASE READ THE TERMS CAREFULLY BEFORE USING THE SERVICE. You must accept these Terms to create a User account ("Account") and to access or use the Service. If you do not have an account, you accept these Terms by using any part of the Service, including participating in the web-based quiz. If you do not accept these terms, do not create an account, do not proceed with the quiz, or use the Service.
1.5. Please also review our Privacy Policy. The terms of the Privacy Policy and other supplemental terms, policies, or documents that may be posted on the Service from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms at any time and for any reason.
1.6. To the extent permitted by applicable law, we may change, modify, supplement, or remove portions of these Terms from time to time in our sole discretion or, where required by applicable law, upon notice to you.
1.7. If any changes to these Terms may affect your use of the Service or your legal rights as the user of our Services, weʼll strive to notify you before the updateʼs effective date by sending an email to the email address connected with your Account or by any other convenient means. Such updates will be effective no less than 14 days from the date of notification unless applicable laws mandate a longer notice period, in which case the notice period will be no less than 30 days.
1.8. Any other changes will be notified to you only by updating the "Last updated" date of these Terms, and you waive any right to receive specific notice of each such change.
1.9. If you donʼt agree to the revisions, please stop using the Service, delete your account, or cancel your subscription before the effective date of the Terms. By continuing to use or access the Service after the updates come into effect, you agree to be bound by the revised Terms.
1.10. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS, OR IF YOU ARE NOT ELIGIBLE OR AUTHORIZED TO BE BOUND BY THESE TERMS, THEN DO NOT DOWNLOAD THE APP OR OTHERWISE ACCESS OR USE THE SERVICE.
2.1. Regulatory Status and No Professional Advice
2.1.1. REGULATORY STATUS: THE COMPANY IS NOT REGISTERED OR LICENSED BY ANY GOVERNING BODY IN ANY JURISDICTION TO PROVIDE FINANCIAL ADVICE OR SERVICES. SPECIFICALLY, WE ARE NOT A BANK, A LENDER, A CREDIT COUNSELING AGENCY, A DEBT RELIEF SERVICE, A CREDIT REPAIR ORGANIZATION, A REGISTERED INVESTMENT ADVISOR, A BROKER-DEALER, A TAX ADVISOR, AN ACCOUNTING FIRM, OR A LAW FIRM.
2.1.2. THE COMPANY DOES NOT OFFER OR PROVIDE ANY KIND OF PROFESSIONAL FINANCIAL ADVICE, TAX ADVICE, LEGAL ADVICE, ACCOUNTING SERVICES, OR CREDIT REPAIR SERVICES. OUR SERVICES ARE FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY.
2.1.3. THE SERVICE MAY NOT BE APPROPRIATE FOR ALL PERSONS AND IS NOT INTENDED TO BE RELIED UPON AS PERSONALIZED FINANCIAL ADVICE. WE CANNOT ASSESS, VERIFY, OR GUARANTEE THE SUITABILITY OF ANY METHOD FOR PAYING OFF DEBT, SAVING MONEY, OR INVESTING FOR YOUR SPECIFIC SITUATION. YOU ACKNOWLEDGE THAT FINANCIAL DECISIONS INVOLVE RISKS, INCLUDING THE RISK OF NOT ACHIEVING YOUR FINANCIAL GOALS, AND THAT YOU ASSUME THOSE RISKS. BEFORE ACCESSING OR USING THE SERVICE, YOU AGREE TO RELEASE AND DISCHARGE THE COMPANY FROM ANY AND ALL ACTION, KNOWN OR UNKNOWN, ARISING OUT OF YOUR USE OF THE SERVICE OR ANY FINANCIAL LOSSES INCURRED.
2.1.4. YOU SHOULD CONSULT WITH YOUR CERTIFIED FINANCIAL ADVISOR, ACCOUNTANT, ATTORNEY, OR OTHER QUALIFIED PROFESSIONAL TO DETERMINE WHETHER THE STRATEGIES DISCUSSED IN THE SERVICE WOULD BE SAFE AND EFFECTIVE FOR YOUR SPECIFIC FINANCIAL SITUATION.
2.2. Accuracy and Forward-Looking Statements
2.2.1. PAST PERFORMANCE AND FUTURE RESULTS: REFERENCES TO PAST PERFORMANCE DO NOT INDICATE OR GUARANTEE FUTURE RESULTS. FORWARD-LOOKING STATEMENTS, INCLUDING SAVINGS PROJECTIONS, DEBT REPAYMENT TIMELINES, INVESTMENT OUTCOMES, AND ANY ILLUSTRATIVE EXAMPLES PRESENTED IN THE APP OR MARKETING, ARE HYPOTHETICAL AND EDUCATIONAL IN NATURE.
THESE STATEMENTS ARE NOT PREDICTIVE OF YOUR ACTUAL RESULTS AND SHOULD NOT BE RELIED UPON AS INDICATORS OF FUTURE PERFORMANCE.
2.2.2. THE COMPANY DOES NOT ASSUME ANY LIABILITY FOR INACCURACIES OR MISSTATEMENTS ABOUT GENERAL FINANCIAL INFORMATION, ECONOMIC DATA, OR TAX LAWS. ECONOMIC CONDITIONS CHANGE RAPIDLY. ACTUAL FINANCIAL RESULTS MAY DIFFER MATERIALLY FROM HYPOTHETICAL PROJECTIONS.
2.3. Educational Guidance
BY USING OUR SERVICE, YOU'LL HAVE ACCESS TO SPECIALIZED CONTENT THAT PROVIDES GUIDANCE ON FINANCIAL LITERACY, BUDGETING, DEBT MANAGEMENT, AND INVESTING PRINCIPLES ("GUIDANCE"). PLEASE NOTE THAT THIS GUIDANCE ISN'T INTENDED TO SERVE AS PERSONALIZED FINANCIAL ADVICE OR ANY OTHER TYPE OF REGULATED FINANCIAL SERVICE. IT DOES NOT ADDRESS SPECIFIC INDIVIDUAL FINANCIAL SITUATIONS OR LEGAL OBLIGATIONS. ALL FINANCIAL DECISIONS INVOLVE RISK, AND YOU SHOULD ACT RESPONSIBLY. THE COMPANY DOES NOT GUARANTEE THAT YOU WILL ACHIEVE ANY SPECIFIC FINANCIAL RESULTS OR PAY OFF ANY SPECIFIC DEBT. FURTHERMORE, YOU ACKNOWLEDGE THAT THE COMPANY DOES NOT FACILITATE FINANCIAL TRANSACTIONS, ACT AS AN INTERMEDIARY WITH THIRD PARTIES, OR PROVIDE ANY BANKING OR LENDING SERVICES.
2.5. Individual Results and No Guarantee of Earnings
WE MAKE NO GUARANTEES CONCERNING THE LEVEL OF FINANCIAL SUCCESS, WEALTH ACCUMULATION, OR DEBT REDUCTION YOU MAY EXPERIENCE. THE TESTIMONIALS, CASE STUDIES, AND EXAMPLES THAT MAY BE PROVIDED ON THE SERVICE ARE EXCEPTIONAL RESULTS, WHICH DO NOT APPLY TO AN AVERAGE PERSON, AND ARE NOT INTENDED TO REPRESENT OR GUARANTEE THAT ANYONE WILL ACHIEVE THE SAME OR SIMILAR RESULTS. FINANCIAL SUCCESS DEPENDS ON YOUR OWN DEDICATION, DISPOSABLE INCOME, MARKET CONDITIONS, AND STARTING POINT.
3.1. In order to use certain features of the Service (such as accessing your customized plan or the App), you may need to register an account ("Account") and provide certain information about yourself as prompted by the registration form.
If you register an Account, you represent and warrant to the Company that: (i) all required registration information you submit is truthful and accurate; (ii) you will maintain the accuracy of such information; and (iii) your use of the Service does not violate any applicable law or regulation or these Terms.
3.2. The Service is not intended to be used by individuals under the age of 18. By using the Services, you represent and warrant that you are at least 18 years of age and have the right, authority, and capacity to enter into these Terms.
3.3. You represent and warrant that you are not located in a country or region embargoed by the European Union, or the United States (such as Cuba, Iran, North Korea, Syria, Russia, Belarus, the Crimea, Donetsk, or Luhansk regions of Ukraine) and are not listed on any list of prohibited or restricted parties (e.g., U.S. Department of Commerce Denied Persons List or Entity List or the U.S. Treasury Department's list of Specially Designated Nationals).
3.4. By using the Service, you represent and warrant (make a legal promise) that you meet all of the requirements listed above and will not use the Service in a way that violates any laws or regulations.
3.5. You are responsible for maintaining the confidentiality of your Account login information and are fully responsible for all activities that occur under your Account. You agree to immediately notify the Company of any unauthorized use, or suspected unauthorized use, of your Account or any other breach of security. The Company cannot and will not be liable for any loss or damage arising from your failure to comply with these requirements.
3.6. The Company reserves the right to suspend or terminate your Account, or your access to the Service, with or without notice to you, in the event that you breach these Terms.
You can terminate your Account and/or Subscription at any time by contacting us or through your account settings.
IMPORTANT: DELETING THE APP FROM YOUR DEVICE DOES NOT CANCEL YOUR SUBSCRIPTION. TO AVOID FUTURE CHARGES, YOU MUST CANCEL THE SUBSCRIPTION AS DESCRIBED IN SECTION 6.
Upon termination of your Account for any reason, we will cease providing you with the Service, and you will not be entitled to any refunds, except as expressly provided in these Terms or required by applicable law. Any outstanding balance owed to the Company will become immediately due and payable. The termination of your Account and these Terms does not affect any rights or obligations that were established prior to the date of termination.
4.1. You acknowledge that all the text, images, marks, logos, compilations (meaning the collection, arrangement and assembly of information), data, other content, software and materials displayed on the Service or used by the Company to operate the Service (including the App, the Web Service, and the Content and excluding any User Content (as defined below)) is proprietary to us or to third parties.
4.2. The Company expressly reserves all rights, including all intellectual property rights, in all of the foregoing, and except as expressly permitted by these Terms, any use, redistribution, sale, decompilation, reverse engineering, disassembly, translation or other exploitation of them is strictly prohibited. The provision of the Service does not transfer to you or any third party any rights, title, or interest in or to such intellectual property rights.
4.3. The information you submit to us as part of your registration, and any content, materials or information (including without limitation, any text, information, graphics, messages, photos, images, and works of authorship kind), questions, comments, suggestions, reviews or other content, that you upload, send, email, display, perform, distribute, post or otherwise transmit to us, at our request or on your own, on, or through the Services (such as message boards or quiz responses), whether in connection with your use of the Services or otherwise, and whether publicly posted or privately transmitted to us via the Service ("User Content") remain your intellectual property.
4.4. The Company does not claim any ownership of the copyright in the User Content. However, by submitting User Content, you agree to grant the Company the license set forth in Section 8 (User-Generated Content) of these Terms. You also agree that the Company may retain copies of all registration information and the User Content and use such information and the User Content as reasonably necessary for or incidental to its operation of the Service and as described in these Terms and the Privacy Policy.
4.5. Subject to these Terms, the Company grants you a non-transferable, non-exclusive, license (without the right to sublicense) to (i) use the Service solely for your personal, non-commercial purposes, and (ii) install and use the App, solely on your own handheld mobile device (e.g., iPhone, Android, etc. as applicable) and solely for your personal, non-commercial purposes. The Company reserves the right to revoke this license to access specific content or features if required by law, court order, or internal policy, without liability to you.
4.6. You agree, represent, and warrant, that your use of the Service, or any portion thereof, will be consistent with the foregoing license, covenants, and restrictions and will neither infringe nor violate the rights of any other party or breach any contract or legal duty to any other parties. In addition, you agree that you will comply with all applicable laws, regulations, and ordinances relating to the Service or your use of it, and you will be solely responsible for your own individual violations of any such laws.
4.7. You are solely responsible for obtaining the equipment and telecommunication services necessary to access the Service, and all fees associated therewith (such as computing devices and Internet service provider and airtime charges).
4.8. We retain the right to implement any changes to the Service (whether to free or paid features) at any time, with or without notice. Except to the extent prohibited by law (including Australian Consumer Law) or otherwise inapplicable, the Company is not liable to you or to any third party for any modification, suspension, or discontinuance of any feature, component, or content of the Company. If such changes affect your use of the Service, you may delete your account or cancel your subscription at any time.
4.9. Your access to and use of the Service is at your own risk. Except to the extent prohibited by law (including Australian Consumer Law) or otherwise inapplicable, the Company will have no responsibility for any harm to your computing system, loss of data, or other harm to you or any third party, including, without limitation, any direct or indirect loss or damage, that results from your access to or use of the Service, or reliance on any information or advice.
4.10. The Company has no obligation to provide you with customer support of any kind. However, the Company may provide you with customer support from time to time, at the Company's sole discretion.
4.11. We welcome your feedback, ideas, or suggestions ("Feedback"), but you agree that we may use your Feedback without any restriction or obligation to you, even after this Agreement is terminated. This means that if you send us an idea, we can use it to improve the Service freely, and we do not owe you any compensation.
5.1. You acknowledge and agree that the availability of the App is dependent on the third party from which you received the App, e.g., the Apple App Store, and/or other app stores (collectively, "App Stores" and each, an "App Store").
5.2. You agree to pay all fees charged by the App Stores in connection with the App (if any). You agree to comply with, and your license to use the App is conditioned upon your compliance with, all applicable agreements, terms of use/service, and other policies of the App Stores. You acknowledge that the App Stores (and their subsidiaries) are a third-party beneficiary of these Terms and will have the right to enforce these Terms. However, you acknowledge that your Subscription payment is processed directly by the Company (via the Web Service) and not by the App Store, unless you specifically choose an in-app purchase option if available.
5.3. The Service may contain links to third-party websites, applications, or resources and advertisements for third parties (collectively, "Third Party Ads" or "Affiliate Links"). Such Third Party Ads are not under the control of the Company and the Company is not responsible for any Third Party Ads. The Company provides these Third Party Ads only as a convenience and does not review, approve, monitor, endorse, warrant, or make any representations with respect to the Third Party Ads. Advertisements and other information provided by the Third Party Ads may not be wholly accurate. You acknowledge sole responsibility for and assume all risk arising from your use of any such websites or resources. When you link to a third-party site, the applicable service provider's terms and policies, including privacy and data gathering practices govern. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any third party. Your transactions and other dealings with the Third Party Ads that are found on or through the App, including payment and delivery of related goods or services, are solely between you and such merchant or advertiser.
5.4. Each user of the Service is solely responsible for any and all his or her User Content. Because we do not control the User Content, you acknowledge and agree that we are not responsible for any User Content and we make no guarantees regarding the accuracy, currency, suitability, or quality of any User Content, and we assume no responsibility for any User Content. Specifically, the Company is not responsible for any advice, strategies, or information provided by other users. Your interactions with other Service users are solely between you and such users. You agree that the Company will not be responsible for any loss or damage incurred as the result of any such interactions. If there is a dispute between you and any Service user, we are under no obligation to become involved.
5.5. You hereby release us, our officers, employees, agents, and successors from claims, demands any and all losses, damages, rights, claims, and actions of any kind including personal injury and property damage, that is either directly or indirectly related to or arises from any interactions with or conduct of any App Store, any other Service users, or any Third Party Ads.
6.1. Certain features of the Service may be offered for a fee. You may purchase access either by paying a subscription fee on a recurring basis ("Subscription"), or through a one-time payment for individually priced digital content ("One-Time Purchase"), where this option is explicitly presented to you within your Account or during the checkout process.
6.2. You authorize us, our third-party payment processors, and the App Stores (if applicable) to charge the applicable fees to the payment method that you submit ("Authorized Payment Method"). By submitting a payment method, you represent and warrant that you are authorized to use it.
6.3. To the maximum extent permitted by applicable laws, we may change Subscription fees at any time. Except to the extent prohibited by law (including Québec Consumer Law), we will notify you of any such pricing changes in the manner and within the timeframe required by applicable law. Where no specific timeframe is mandated, we will provide notice by posting the new prices on the Service, by sending you an email notification, or in other prominent ways, and such updates will become effective as specified in the notification. If you do not wish to pay the new fees, you can cancel the applicable Subscription or abstain from pre-paying for access to the Service.
6.4. Automatically Renewing Subscriptions. By signing up for a Subscription, you agree that your subscription will be automatically renewed. You authorize us and the App Stores (if applicable) to charge you for the renewal term on the first day of the new term. The period and rate of auto-renewal will be the same as your initial subscription period, excluding any promotional or introductory pricing, unless we notify you of a rate change prior to your auto-renewal. To avoid being charged for the renewal, you must cancel your Subscription at least 24 hours before the end of the current subscription period.
6.5. Subscription Cancellation. You must cancel your Subscription in accordance with the cancellation procedures disclosed to you for the particular Subscription, which may be through your Account settings or by contacting our support team.
IF YOU PURCHASED THE SUBSCRIPTION VIA OUR WEBSITE, YOU MUST CANCEL IT THROUGH YOUR WEB ACCOUNT SETTINGS, NOT THROUGH THE APPLE APP STORE OR GOOGLE PLAY STORE.
Your cancellation will be confirmed promptly. Your access to the subscribed Service will continue until the end of the current billing period, after which it will terminate, and you will not be charged again for that Subscription unless you purchase a new one.
We may post clear and conspicuous Subscription Terms from time to time on our websites and within the Apps.
6.6. Subscription Trials. We may offer a paid trial for a Subscription. A trial provides you access to the Service for a specified period, with details provided when you sign up. If this is not the case, you will purchase our subscription without a trial.
6.6.1. Subscription Trial Cancellation. Unless you cancel before the end of the trial period, or unless otherwise stated, your access to the Service will automatically continue and automatically convert to a full Subscription, and you will be billed the applicable fees for the Service. Except where otherwise inapplicable or prohibited by law, we reserve the right, in our absolute discretion, to modify or terminate any trial offer, your access to the Service during the subscription trial, or any of these terms without notice and with no liability. We reserve the right to limit your ability to take advantage of multiple trials.
6.7. The Service and your rights to use it expire at the end of the paid period of your subscription. If you do not pay the fees or charges due, we may make reasonable efforts to notify you and resolve the issue, however, we reserve the right to disable or terminate your access to the Service (and may do so without notice).
If you have made any eligible One-Time Purchases of digital content, access to such content will generally remain available even after your Subscription is canceled, provided your Account remains active and in good standing. These One-Time Purchases are typically granted with continued access without time limitation. The Company reserves the right to revoke such access if required to do so for legal, compliance, or technical reasons.
6.8. App Store Purchases. Subscriptions purchased via an App Store (e.g., Apple App Store or Google Play) are subject to such App Store's refund policies. This means we cannot grant refunds for these transactions. You will have to contact App Store support directly to request a refund.
6.9. Refunds and Right of Withdrawal
6.9.1. General Policy. You acknowledge and agree that all Subscriptions are final. The Company will not refund any transaction once it has been made, and a purchased Subscription cannot be canceled, except as expressly stated in these Terms (such as the Right of Withdrawal for consumers in this Section), our separate Money-back Policy or as required by mandatory provisions of applicable law.
Our rules and procedures regarding refunds for the Service, including any Money-back Guarantees, are detailed in our separate Money-back Policy, which is an integral part of these Terms.
The Company may also provide refunds at its own discretion, subject to any policies we may publish from time to time.
The same refund policy applies to One-Time Purchases. Unless explicitly stated otherwise in our Money-Back Policy or required by law, One-Time Purchases are non-refundable once access to the content has been granted. By completing a One-Time Purchase, you confirm that the transaction is final and not subject to cancellation or refund.
6.9.2. Right of Withdrawal for Consumers in the EEA, UK, or Switzerland.
If you are a consumer based in the European Economic Area (EEA), the United Kingdom (UK), or Switzerland, you have a legal right to withdraw from contracts for the purchases of Services within 14 days of the purchase date. However, when you make a purchase of a single item of digital content (such as a video recording, PDF file, or online course), you expressly agree that such content is made available to you immediately, and you, therefore, lose your right of withdrawal and will not be eligible for a refund.
By purchasing a Subscription, you expressly request and consent to the immediate commencement of the Service. Therefore, if you exercise your right of withdrawal within the 14-day period, we will deduct from your refund an amount that is in proportion to the Service provided before you communicated your withdrawal to us.
Exercise of the Right of Withdrawal. Where you have not lost your right of withdrawal, the withdrawal period will expire 14 days after the day you enter into that contract. To exercise your right of withdrawal, you must inform us — Imponilox Limited, Themistokli Dervi 39, 1st floor, Office 104, 1066, Nicosia, Cyprus, email: support@growio.pro — of your decision to withdraw from a contract by an unequivocal statement (e.g. a letter sent by post or e-mail).
You may use the model withdrawal form below, but it is not obligatory. To meet the withdrawal deadline, you need to send your communication to us saying you wish to withdraw from the contract before the withdrawal period has expired.
Model Withdrawal Form.
To: Imponilox Limited, Themistokli Dervi 39, 1st floor, Office 104, 1066, Nicosia, Cyprus, email: support@growio.pro
I hereby give notice that I withdraw from my contract for the following service: Received on:
Name:
Address:
Signature: (required only if sent by post mail)
Date:
6.9.3. Right of Cancellation for Consumers in Quebec. If you are a consumer based in Quebec, you have an automatic legal right to cancel a contract for Services involving sequential performance.
When you make a purchase of a single item of digital content (such as a video recording or a pdf file) you expressly agree that such Content is made available to you immediately and you, therefore, acknowledge that the cancellation rights set out in this Section do not apply to you and you will not be eligible for a refund.
To exercise your Right of Cancellation for a Subscription, you may cancel the contract at any time by sending the form attached hereto or another notice in writing for that purpose to Imponilox Limited, Themistokli Dervi 39, 1st floor, Office 104, 1066, Nicosia, Cyprus, email: support@growio.pro — of your decision to cancel the subscription by an unequivocal statement (e.g. a letter sent by post or e-mail). You may use the model cancellation form below.
Model Cancellation Form (Quebec).
To: Imponilox Limited, Themistokli Dervi 39, 1st floor, Office 104, 1066, Nicosia, Cyprus, email: support@growio.pro
Date: [date on which form is sent]
Under section 193 of the Consumer Protection Act, I cancel the contract [contract number, if any] entered into [date when contract was entered into] at [place where contract was entered into]
[name of consumer]
[signature of consumer]
[address of consumer]
6.10. Delinquent Payments. If we cannot process payment for any applicable fees using your Authorized Payment Method, we may, in our sole discretion, make subsequent attempts to process payment and will provide you with a notice regarding the payment failure ("Payment Failure Notice"). If the outstanding fees are not paid, we reserve the right to suspend and revoke access to your Account and the paid features of the Service. Your full access will be reactivated upon your payment of all outstanding fees, plus the fees applicable to your next billing cycle.
The Company may (in its sole discretion) terminate your Account and/or access to the Service if the outstanding applicable fees are not paid within 30 days.
You acknowledge that you may not be able to access the features of your Account or the Service during any period of suspension or after termination.
THIS SECTION OF THIS AGREEMENT SHALL BE REFERRED TO AS THE "ARBITRATION AGREEMENT."
THIS ARBITRATION AGREEMENT APPLIES TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. THE LAWS OF CERTAIN JURISDICTIONS, INCLUDING QUEBEC, MAY GIVE YOU THE RIGHT TO RESOLVE YOUR DISPUTE OR CLAIM BEFORE THE COURTS OF THAT JURISDICTION NOTWITHSTANDING THIS ARBITRATION AGREEMENT, IN WHICH CASE YOU MAY ELECT EITHER TO DO SO OR TO PROCEED IN ARBITRATION, AT YOUR CHOICE.
PLEASE READ THIS ARBITRATION AGREEMENT CAREFULLY TO UNDERSTAND YOUR RIGHTS.
IT REQUIRES YOU TO ARBITRATE DISPUTES WITH US AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM US, IN PARTICULAR:
7.1. Applicability of Arbitration Agreement. This arbitration agreement governs any dispute between you and the Company (and each of our respective agents, corporate parents, subsidiaries, affiliates, predecessors in interest, successors, and assigns) including but not limited to claims arising out of or relating to any aspect of the relationship between you and the Company, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory; claims that arose before these Terms or any prior agreement; and claims that may arise after the termination of these Terms ("Dispute"), except claims that can be brought in small claims court if your claims qualify within the scope of that courtʼs jurisdiction.
This Arbitration Agreement shall apply, without limitation, to all claims that arose or were asserted before the effective date of these Terms or any prior version of these Terms.
The relevant arbitrator shall have sole authority to determine the applicability, existence, validity, and termination of the Arbitration Agreement in each particular case. In the event that a dispute involves both issues that are subject to arbitration and issues that are not subject to arbitration, the parties unequivocally agree that any legal proceeding regarding the issues not subject to arbitration shall be stayed pending resolution of the issues subject to arbitration.
7.2. Opt-Out. Without limiting the preceding sentence, you will also have the right to litigate any other Dispute if you opt out of this arbitration and class action waiver provisions by sending electronic notice of your decision to opt-out to support@growio.pro with the subject line, "ARBITRATION AND CLASS ACTION WAIVER OPT-OUT" within 30 days of (a) the effective date of these Terms; or (b) your first date that you used the Service that contained any versions of the Terms that substantially included this version of the Arbitration Agreement (including class action waiver), whichever is later. If you opt out of this Arbitration Agreement, the Company also will not be bound by it and any Dispute shall be resolved in accordance with Section 13. If you donʼt exercise the right to opt-out, you will be deemed to have knowingly and intentionally waived your right to litigate any Dispute except claims that can be brought in small claims court.
7.3. Initial Dispute Resolution. We are always interested in resolving disputes amicably and efficiently. The parties therefore agree that, before either party demands arbitration against the other, we will personally meet and confer, via telephone or videoconference, in a good-faith effort to resolve informally any claim covered by this Arbitration Agreement.
If you have any dispute with the Company, you agree that before taking any formal action, you will contact us at support@growio.pro or at Imponilox Limited, Themistokli Dervi 39, 1st floor, Office 104, 1066, Nicosia, Cyprus, and provide a brief, written description of the dispute and your contact information. The parties agree to use their best efforts to settle any dispute, claim, question, or disagreement directly through consultation with the Company, and good faith negotiations will be a condition to either party initiating an arbitration. Engaging in an informal dispute resolution is a condition precedent that must be fulfilled before commencing arbitration, and the Arbitrator shall dismiss any arbitration demand filed before the completion of an informal dispute resolution. The statute of limitations and any filing fee deadlines shall be tolled while the parties engage in the informal dispute resolution process required by this paragraph.
7.4. Mandatory Arbitration and Rules. This arbitration agreement provides that all Disputes must be resolved through BINDING ARBITRATION, except to the extent that the applicable law prohibits the exclusive use of arbitration for dispute resolution.
EXCEPT TO THE EXTENT PROHIBITED BY APPLICABLE LAW (INCLUDING QUEBEC CONSUMER LAW), YOU AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND WE ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION AND AGREE TO HAVE OUR DISPUTES FINALLY SETTLED BY BINDING ARBITRATION before one arbitrator administered by:
In each case the relevant arbitration rules will apply as modified by this Arbitration Agreement. In the event of a conflict between the applicable arbitration rules and these Terms, these Terms shall govern unless otherwise agreed by the parties and the relevant arbitrator.
If the relevant administrator of arbitration is not available to arbitrate, the parties will select an alternative arbitral forum.
7.5. Waiver of Class Action and Collective Relief. THE LAWS OF CERTAIN JURISDICTIONS, INCLUDING QUEBEC, DO NOT ALLOW CLASS ACTION WAIVERS. IF THESE LAWS APPLY TO YOU, THE EXCLUSION BELOW MAY NOT APPLY TO YOU AND YOU MAY HAVE ADDITIONAL RIGHTS.
EXCEPT AS SPECIFIED IN THE "BATCH ARBITRATION", THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY CLAIMS TO BE ARBITRATED OR LITIGATED ON A CLASS ACTION, JOINT OR CONSOLIDATED BASIS OR ON BASES INVOLVING CLAIMS BROUGHT IN A PURPORTED REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC, OTHER USERS OF THE SERVICES, OR ANY OTHER PERSONS. THE ARBITRATOR MAY AWARD RELIEF ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF WARRANTED BY THAT INDIVIDUAL PARTYʼS CLAIM. THE ARBITRATOR MAY NOT AWARD RELIEF FOR OR AGAINST ANYONE WHO IS NOT A PARTY. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSONʼS CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. THIS WAIVER OF CLASS ACTIONS AND COLLECTIVE RELIEF IS AN ESSENTIAL PART OF THIS ARBITRATION PROVISION AND CANNOT BE SEVERED FROM IT.
BY AGREEING TO THE ARBITRATION OF DISPUTES AS SET FORTH HEREIN, YOU AGREE THAT YOU ARE WAIVING YOUR RIGHT TO A JURY TRIAL AND LIMITING YOUR RIGHT TO APPEAL AND YOU UNDERSTAND THAT YOU ARE WAIVING YOUR RIGHTS TO OTHER AVAILABLE RESOLUTION PROCESSES, SUCH AS A COURT ACTION.
THE ARBITRATOR HAS NO AUTHORITY TO AWARD PUNITIVE DAMAGES.
7.6. Arbitration Procedures.
Overview. Arbitration is an alternative to litigation where a neutral person (the arbitrator) hears and decides the partiesʼ Dispute. Arbitration proceedings are designed to provide parties with a fair hearing in a manner that is faster and less formal than court proceedings. The following procedures (the "Arbitration Procedures") are applicable to all arbitration proceedings involving you and the Company.
Seat of Arbitration. The seat of the arbitration shall be:
Choice of Law. The governing law applicable to the arbitration agreement and the arbitration shall be:
Language. The language of the arbitration shall be English.
Commencing an Arbitration. To start an arbitration, you must follow the instructions available at:
You may represent yourself in the arbitration or have a lawyer (or some other representative) act on your behalf. Upon receipt of an arbitration claim, we may assert any counterclaims we may have against the complaining party.
Fees. If you are a consumer and you initiate arbitration against us, the only filing fee you will be required to pay is USD 250 and the rest of the filing fees (if any) shall be borne by us. If the arbitrator finds the arbitration initiated by you to be non-frivolous and/or not in bad faith we will cover all other arbitration costs, including case management fees and all professional fees for the arbitratorʼs services (but not your attorneysʼ fees, if any).
If we initiate arbitration against you and you are a consumer, we will pay for all costs associated with the arbitration (but not your attorneysʼ fees, if any).
The parties shall be responsible for paying their own attorneysʼ fees unless the arbitration rules and/or applicable law provide otherwise.
Should either party bring a Dispute involving issues subject to arbitration in a forum other than arbitration, the court or the arbitrator shall have the authority to award reasonable costs, fees and expenses, including reasonable attorneysʼ fees, incurred by the other party in successfully staying or dismissing, in whole or in part, such other proceeding or in otherwise enforcing compliance with this Arbitration Agreement.
Selection of the Arbitrator. The arbitrator who will hear and decide your Dispute will be appointed by the LCIA or JAMS, as applicable, in accordance with their respective rules.
Arbitration Hearings. The arbitrator will conduct hearings, if any, by teleconference or videoconference (based on written and/or electronic filing of documents), rather than by personal appearances, unless the arbitrator determines upon request by you or by us that an in-person hearing is appropriate. Any in-person appearances will be held at a location that is reasonably convenient to both parties with due consideration of their ability to travel and other pertinent circumstances, provided that if you are a consumer, you have a right to an in-person hearing in your hometown area. If the parties are unable to agree on a location, such determination should be made by the administrator of arbitration or by the arbitrator.
Discovery. Each party may (a) request relevant, non-privileged documents from the other party; and (b) request that the other party provide the particulars of its claims or defenses. Any such discovery requests must be served on the other party within 10 days after the arbitratorʼs appointment. The responding party shall provide the requesting party with all responsive, non-privileged documents, the requested particulars, and/or any objections to the requests within 15 days after receipt of the requests. Any disputes about discovery or requests for extensions shall be submitted promptly to the arbitrator for prompt resolution. In ruling on any discovery dispute or extension request, the arbitrator shall take into consideration the nature, amount, and scope of the underlying arbitration claim, the cost and other effort that would be involved in providing the requested discovery, the case schedule, and whether the requested discovery is necessary for the adequate preparation of a claim or defense.
Communications with the Arbitrator. Whenever communicating with the arbitrator, the parties must include each other – for example, by including the other party on a telephone conference call and copying the other party on any written submissions, such as letters or emails. To the extent practicable, conferences with the arbitrator will take place by telephone conference call or email. Ex-parte communications are not permitted with any arbitrator.
Confidentiality. Upon either partyʼs request, the arbitrator will issue an order requiring that confidential information of either party disclosed during the arbitration (whether in documents or orally) may not be used or disclosed except in connection with the arbitration or a proceeding to enforce the arbitration award and that any permitted filing of confidential information must be done under seal.
Arbitration Award. The arbitrator will render a written decision within 14 days after the hearing or, if no hearing was held, within 30 days after any rebuttal or supplemental statements are due. The decision must clearly specify the relief, if any, awarded and contain a brief statement of the reasons for the award.
Waiver of Appeal. The parties agree that the award shall be final and binding upon the parties and waive any right to refer any question of law and any right of appeal on the law and/or the merits to any court.
Consumer Remedies. If you are a consumer, remedies that would otherwise be available to you under applicable laws will remain available under this Arbitration Agreement, unless you retain the right to pursue such remedies in court as per this Agreement.
7.7. Batching Arbitrations. To the extent permitted by applicable law, to increase the efficiency of the resolution, in the event 100 or more similar arbitration demands against the Company, presented by or with the assistance or involvement of the same law firm or organization, are submitted to an arbitration provider selected in accordance with the rules described above within a 30-day period:
You agree to cooperate in good faith with the Company and the Arbitration Provider to implement such a batch approach to resolution and fees. Disagreements over the applicability of this batch arbitration process will be settled in a single, consolidated arbitration proceeding that includes all affected parties and is resolved by a single arbitrator subject to the requirements of this Section.
All parties agree that requests are of a "substantially similar nature" if they arise out of or relate to the same event or factual scenario and raise the same or similar legal issues and seek the same or similar relief.
To the extent the parties disagree on the application of the Batch Arbitration process, the disagreeing party shall advise Arbitration Provider and Arbitration Provider shall appoint a sole standing arbitrator to determine the applicability of the Batch Arbitration process ("Administrative Arbitrator"). In an effort to expedite the resolution of any such dispute by the Administrative Arbitrator, the parties agree the Administrative Arbitrator may set forth such procedures as are necessary to resolve any disputes promptly. The Administrative Arbitratorʼs fees shall be paid by the Company.
This Batch Arbitration provision shall in no way be interpreted as authorizing a class, collective, and/or mass arbitration or action of any kind, or arbitration involving joint or consolidated claims under any circumstances, except as expressly outlined in this provision.
7.8. Severability of Arbitration Agreement. If any portion of this Arbitration Agreement is found to be unenforceable or unlawful for any reason, (a) the unenforceable or unlawful provision shall be severed from these Terms; (b) severance of the unenforceable or unlawful provision shall have no impact whatsoever on the remainder of this Arbitration Agreement or the parties ability to compel arbitration of any remaining claims on an individual basis according to this Arbitration Agreement; and (c) to the extent that any claims must therefore proceed on a class, collective, consolidated, or representative basis, such claims must be litigated in court under Section 13, and the parties agree that litigation of those claims shall stay pending the outcome of any individual claims in arbitration.
Further, if any part of this Arbitration Agreement is found to prohibit an individual from seeking the remedy of public injunctive relief, that provision will have no effect to the extent such relief is allowed to be sought out of arbitration, and the remainder of this Arbitration Agreement will be enforceable.
7.9. Survival. This arbitration provision shall survive the termination of these Terms.
8.1. Grant of License. You hereby grant the Company, its sublicensees, successors, and assigns a royalty-free, perpetual, sublicensable, assignable, non-exclusive right, and license (as well as consent) to use, license, reproduce, modify, adapt, publish, translate, transmit, edit, reformat, create derivative works from, distribute, derive revenue or other remuneration from, communicate to the public, perform, display and otherwise use any User Content (in whole or in part) worldwide and/or to incorporate the User Content in other works in any form, media, or technology now known or later developed, for the full term of any copyrights, trademarks, and other intellectual and proprietary rights (collectively, the "Rights") that may exist in such User Content.
8.2. The license granted herein explicitly excludes any personal data as defined under applicable privacy laws and regulations.
8.3. You hereby represent and warrant that you own all rights, title, and interest in and to User Content or are otherwise authorized to grant the rights provided to the Company under this Section. You also warrant that to the extent, you are not the exclusive holder of all Rights in a User Content, any third party holder of any Rights, including moral rights in such User Content, has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the license stated above. You further acknowledge that we and our successors and assigns shall be entitled to unrestricted use of the User Content for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the User Content. Subject to the foregoing, the owner of a User Content placed on the Services retains any Rights that may exist in such User Content.
We are not responsible for maintaining a copy of any material we remove from our Services, and we are not liable for any loss you incur if Content you post or transmit to our Services is removed.
8.4. If you would like to revoke the granted License to specific User Content, please contact us via support@growio.pro.
9.1. By using the Service, you represent and warrant that:
9.2. If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to refuse any and all current or future use of the Service (or any portion thereof).
9.3. You may not access or use the Service for any purpose other than that for which we make the Service available. The Service may not be used in connection with any commercial endeavors except those that are specifically authorized or approved by us.
9.4. As a user of the Service, you agree not to:
9.5. When interacting with our customer care representatives, we ask that you maintain a respectful and kind demeanor. Should your conduct towards any of our customer care representatives or other employees be perceived as threatening, harassing, or offensive at any point, we retain the authority to terminate your account with immediate effect.
10.1. Basic Disclaimers of Warranties. EXCEPT TO THE EXTENT PROHIBITED BY LAW (INCLUDING UNDER AUSTRALIAN CONSUMER LAW AND QUEBEC CONSUMER LAW) OR OTHERWISE INAPPLICABLE, YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK, AND THE SERVICE AND PRODUCTS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE COMPANY OR ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AS WELL AS ANY AND ALL WARRANTIES AS TO PRODUCTS OR SERVICES OFFERED BY BUSINESSES LISTED ON THE SERVICE.
In particular, the released parties make no and expressly disclaim any warranty that:
Any material obtained through the use of the Service is accessed at your discretion and risk, and you will be solely responsible for any damage to your computer system or mobile device or loss of data that results from the use of any such material.
We cannot guarantee and do not promise any specific results from the use of the App and/or the Service. You agree also to take the risks of interruption of the Service for any technical reasons.
10.2. Absence of Any Advice on the Service. Any statement that may be posted on the Service is for informational and entertainment purposes only and is not intended to replace or substitute for any professional financial, tax, legal, or other advice.
The Company makes no representations or warranties and, to the fullest extent permitted by law, expressly disclaims any and all liability relating to your reliance on the statements or other information offered or provided within or through the Service. If you have specific concerns or a situation arises in which you require professional advice, you should consult with an appropriately trained and qualified specialist.
10.3. Change of Website Information and Service. We may change any of the information provided on our websites at our sole discretion without notice.
We may at any time modify or discontinue, temporarily or permanently, the websites (or any part thereof) at our sole discretion with or without notice.
10.4. Consumer Protection and Mandatory Rights. These Terms will not limit any non-waivable warranties or consumer protection rights that you may be entitled to under the mandatory laws of your country of residence.
10.5. Additional Warranties for Consumers in the EEA, UK, or Switzerland.
10.5.1. As part of the legal obligation to make sure that our Service conforms to these Terms, we may, from time to time, offer and request you to install security and technical updates. It is your responsibility to install such updates without delay and to update the operating system of your end device if this is required for such updates. We will not be liable for any lack of conformity of the Service resulting from the lack of the relevant update when you fail to install the update that we supplied to you.
10.5.2. If our Service does not conform to these Terms, you have the right to have the defect corrected. You will reasonably cooperate with us to assess whether the cause of the lack of conformity lies in your digital environment. If you do not provide such cooperation, the burden of proof of any conformity will lie with you.
11.1. General Limitation. IN NO EVENT SHALL WE (AND OUR AFFILIATES) BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFIT, FINANCIAL LOSSES, OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE SERVICE (INCLUDING THE APP OR CONTENT), PRODUCTS, OR THIRD PARTY ADS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ACCESS TO, AND USE OF, THE SERVICE, AND THIRD-PARTY ADS ARE AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTING SYSTEM OR LOSS OF DATA RESULTING THEREFROM.
11.2. Aggregate Liability Cap. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, YOU AGREE THAT THE AGGREGATE LIABILITY OF THE COMPANY TO YOU FOR ANY AND ALL CLAIMS ARISING FROM THE USE OF THE SERVICE, CONTENT, OR PRODUCTS IS LIMITED TO THE AMOUNTS YOU HAVE PAID TO THE COMPANY FOR ACCESS TO AND USE OF THE SERVICE OR ONE HUNDRED U.S. DOLLARS ($100), WHICHEVER IS GREATER. THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE TERMS BETWEEN THE COMPANY AND YOU.
11.3. California Waiver. IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH STATES: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY."
11.4. Jurisdictional Limitations. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU, AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION. TO THE EXTENT THAT ONE OR ANY ASPECT OF LIMITATIONS SET OUT ABOVE DOES NOT APPLY, ALL REMAINING ASPECTS SURVIVE, EVEN IF ANY REMEDY FAILS ITS ESSENTIAL PURPOSE.
11.5. EEA, UK, or Switzerland Residents. If defective digital content supplied by us within the Service damages a device or digital content belonging to you, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge, or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.
11.6. Residents of Australia. Our Service comes with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the Service, you are entitled to:
If a failure with the Service does not amount to a major failure, you are entitled to have the failure rectified in a reasonable time. If this is not done, you are entitled to cancel your contract for purchase of the Service and obtain a refund of any unused portion. You are also entitled to be compensated for any other reasonably foreseeable loss or damage from a failure in the Service.
12.1. Indemnification Obligation. You agree to indemnify and hold the Company, its successors, subsidiaries, affiliates, and their respective officers, directors, employees, and agents harmless from any claim or demand, including reasonable attorneysʼ fees, made by any third party due to or arising out of:
12.2. Defense and Control of Claims. The Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us. You agree to cooperate fully with the Company in asserting any available defenses and responding to such claims. You further agree not to settle any such matter without the prior written consent of the Company. The Company will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.
13.1. Governing Law. These Terms and any dispute arising out of or in connection with them shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles, unless the mandatory laws of your country of residence as a consumer require otherwise.
13.2. Venue. To the extent that any action relating to any dispute hereunder is for whatever reason not submitted to arbitration, each of the parties submits to the exclusive jurisdiction of the courts of England and Wales to settle any disputes that may arise out of or in connection with these Terms, provided, however, that if you are a consumer, this shall not prevent you from bringing a claim in the courts of your country of residence where you have such a right under applicable mandatory law.
13.3. Specific Consumer Rights.
13.3.1. Consumers in the EEA, UK, or Switzerland:
13.3.2. Consumers in Quebec: Nothing in these Terms shall deprive you of the protection afforded to consumers by the laws of Quebec, including the laws of Canada applicable therein. Nothing in these Terms shall deprive the Quebec authorities of jurisdiction to hear an action based on a contract concluded pursuant to these Terms if you have your domicile or residence in Quebec.
14.1. Entire Agreement. These Terms, together with the Privacy Policy and any other legal notices published by us on the Service, constitute the entire agreement between you and the Company concerning the Service. These Terms supersede all prior promises, agreements, or representations, whether written or oral, regarding such subject matter.
14.2. Assignment and Transfer. The Company may transfer or assign any and all of its rights and obligations under these Terms to any other person, by any method, including by way of novation. By accepting these Terms, you give the Company consent to any such assignment and transfer. You agree that posting an updated version of these Terms on the Service which identifies a new contracting party will constitute valid notice to you of the assignment, unless otherwise expressly stated. You may not assign or transfer your rights or obligations under these Terms without our prior written consent.
14.3. Severability. Subject to Section 7 (Arbitration) of these Terms, if any provision of these Terms is found to be invalid or unenforceable, that provision will be reformed to reflect the partiesʼ original intent to the greatest extent permitted by law, and the remaining provisions will remain in full force and effect.
14.4. No Waiver. No delay or omission by the Company in exercising any of its rights or remedies under these Terms will impair such right or be construed as a waiver. A waiver by the Company of any breach of these Terms will not be construed as a waiver of any other or subsequent breach.
14.5. Electronic Communications and Signatures. All communications on or through the Service are considered electronic communications. When you interact with us via the Service, email, or other forms of electronic media, you consent to receive electronic communications from us. These include notices, disclosures, agreements, and other communications, and are legally equivalent to written communications.
You also agree that we may use third-party service providers to manage such electronic communications efficiently and securely. These providers may support processing transactions, operational or technical infrastructure, and other business-critical functions.
Furthermore, you acknowledge that by clicking buttons such as "I AGREE," "SUBMIT," "CONTINUE," "START NOW" or similar, you are providing a legally binding electronic signature and entering into a binding contract. YOU HEREBY CONSENT TO THE USE OF ELECTRONIC SIGNATURES, ELECTRONIC RECORDS, AND ELECTRONIC COMMUNICATIONS FOR ALL TRANSACTIONS CONDUCTED THROUGH THE SERVICE.
14.6. Force Majeure. The Company shall not be liable for any failure to perform its obligations hereunder where such failure results from any cause beyond our reasonable control.
14.7. International use. The Company makes no representation that the Service is accessible, appropriate or legally available for use in your jurisdiction, and accessing and using the Service is prohibited from territories where doing so would be illegal. You access the Service at your own initiative and you are responsible for compliance with local laws.
If you want to send any notice under these Terms or have any questions regarding the Service, legal inquiries, or privacy matters, you may contact us at: support@growio.pro.
Please indicate the nature of your request in the subject line (e.g., "Subscription Cancellation", "Privacy Request", "Legal Notice") to help us handle your inquiry more efficiently.
I HAVE READ THESE TERMS AND AGREE TO ALL OF THE PROVISIONS CONTAINED ABOVE.
Imponilox Limited, Themistokli Dervi 39, 1st floor, Office 104, 1066, Nicosia, Cyprus
Last Updated: February 20, 2026