Terms of Use

Last updated: December 20, 2025

1. Acceptance of Terms

Welcome to Plodvrek. By accessing or using our website at plodvrek.pro, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use our services.

We reserve the right to modify these terms at any time. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms.

2. Description of Services

Plodvrek provides online educational content focused on financial statement analysis and related topics. Our services include:

Access to online lectures and course materials
Multimedia educational content
Sequential learning modules
Interactive learning resources

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

3. User Accounts

3.1 Registration

Certain features of our services may require you to create an account. When registering, you must provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials.

3.2 Account Responsibilities

You are responsible for all activities that occur under your account. You agree to:

Notify us immediately of any unauthorized use of your account
Ensure that you log out from your account at the end of each session
Not share your account credentials with third parties
Not create multiple accounts for fraudulent purposes

3.3 Account Termination

We reserve the right to suspend or terminate your account if you violate these terms or engage in conduct that we deem inappropriate or harmful to our services or other users.

4. User Conduct

When using our services, you agree not to:

Violate any applicable laws or regulations
Infringe upon the intellectual property rights of others
Transmit any harmful, offensive, or inappropriate content
Attempt to gain unauthorized access to our systems or networks
Interfere with or disrupt the integrity or performance of our services
Use automated systems or software to extract data from our website
Impersonate any person or entity or misrepresent your affiliation
Distribute spam, malware, or other malicious code
Engage in any fraudulent or deceptive practices

5. Intellectual Property Rights

5.1 Our Content

All content on our website, including but not limited to text, graphics, logos, images, videos, audio clips, and software, is the property of Plodvrek or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

5.2 License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial educational purposes. This license does not include:

Resale or commercial use of our services or content
Collection and use of course listings or descriptions
Derivative use of our services or content
Downloading or copying of content for others
Use of data mining, robots, or similar tools

5.3 User-Generated Content

By submitting content to our platform, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, and distribute such content in connection with our services.

6. Payment and Subscription Terms

6.1 Fees

Certain services may require payment of fees. All fees are stated in the applicable currency and are non-refundable unless otherwise specified in our refund policy.

6.2 Billing

By providing payment information, you authorize us to charge the applicable fees to your designated payment method. You are responsible for maintaining valid payment information.

6.3 Subscription Renewals

Subscription-based services will automatically renew at the end of each billing period unless you cancel prior to the renewal date. You will be charged the then-current subscription fee.

6.4 Price Changes

We reserve the right to change our fees at any time. We will provide reasonable notice of any price changes for subscription services.

7. Refund Policy

Refund requests must be submitted within the timeframe specified in our separate refund policy. Refunds are granted at our discretion and may be subject to certain conditions. Digital content that has been accessed may not be eligible for refund.

8. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in the Privacy Policy.

9. Third-Party Links and Services

Our website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these third-party sites. Your interactions with third-party services are solely between you and the third party.

10. Disclaimers

10.1 Educational Content

The educational content provided on our platform is for informational purposes only and should not be considered professional financial, legal, or investment advice. You should consult with qualified professionals before making any financial decisions.

10.2 Service Availability

Our services are provided on an "as is" and "as available" basis. We do not warrant that:

Our services will be uninterrupted, timely, secure, or error-free
The results obtained from using our services will be accurate or reliable
The quality of any content or services will meet your expectations
Any errors in our software or content will be corrected

10.3 No Warranties

To the maximum extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

11. Limitation of Liability

To the fullest extent permitted by law, Plodvrek shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

Loss of profits, revenue, or data
Loss of business opportunity
Service interruptions
Damage to reputation

Our total liability for any claims arising from your use of our services shall not exceed the amount you paid to us in the twelve months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Plodvrek, its officers, directors, employees, and agents from 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 our services
Your violation of these Terms of Use
Your violation of any third-party rights
Any content you submit or transmit through our services

13. Copyright Infringement

We respect the intellectual property rights of others. If you believe that any content on our website infringes your copyright, please contact us at [email protected] with the following information:

Identification of the copyrighted work claimed to be infringed
Identification of the material that is claimed to be infringing
Your contact information
A statement that you have a good faith belief that use of the material is not authorized
A statement that the information in the notification is accurate

14. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms of Use. Upon termination, your right to use our services will immediately cease.

All provisions of these terms which by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

15. Governing Law and Dispute Resolution

These Terms of Use shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. Any disputes arising from these terms or your use of our services shall be resolved through good faith negotiations.

If negotiations fail, disputes may be subject to binding arbitration or litigation as determined by applicable law and the nature of the dispute.

16. Changes to Terms

We reserve the right to modify or replace these Terms of Use at any time. We will provide notice of significant changes by posting the new terms on this page with an updated "Last updated" date.

Your continued use of our services after any changes indicates your acceptance of the new terms. You are responsible for reviewing these terms periodically.

17. Severability

If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms of Use, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and Plodvrek regarding your use of our services.

19. Waiver

Our failure to enforce any right or provision of these terms shall not constitute a waiver of such right or provision. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.

20. Contact Information

If you have any questions about these Terms of Use, please contact us:

Plodvrek
34 7th St, Linden, Randburg, 2104, South Africa
Phone: +27 65 680 1897
Email: [email protected]

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.