Terms and Conditions

Adopted: May 21, 2026

Welcome to Coursiv! Please take a moment to read these terms, as they form the agreement between you, as a user of Coursiv, and us, as the provider of Coursiv services.

Please read these terms and conditions of use (the "Terms") carefully (in particular, Section 6 "Subscription plans") before starting a trial or completing a purchase for our app's 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.

PLEASE NOTE: THESE TERMS CONTAIN A BINDING ARBITRATION PROVISION IN SECTION 17 THAT AFFECTS YOUR RIGHTS UNDER THESE TERMS. THE ARBITRATION PROVISION REQUIRES THAT DISPUTES BE RESOLVED IN ARBITRATION ON AN INDIVIDUAL BASIS. EXCEPT AS SPECIFIED BELOW IN SECTION 17, UNLESS YOU OPT OUT WITHIN 30 DAYS OF FIRST USE OF OUR SERVICE AS PROVIDED FOR IN SECTION 17, ARBITRATION IS THE EXCLUSIVE VENUE FOR ANY AND ALL DISPUTES AND IS MANDATORY.

FURTHERMORE, THESE TERMS CONTAIN DISCLAIMERS OF WARRANTIES AND LIABILITIES (SECTION 14) AND LIMITATION OF LIABILITY (SECTION 15).

1. Who We Are

Coursiv™ is distributed in the United States by Harven Digital Corp., a company incorporated in the State of Delaware, with registered address at 3500 S. Dupont Hwy., Dover, County of Kent, DE 19901 and principal business address at 7600 Chevy Chase Drive, Suite 300, Austin, TX 78752 ("we", "us", "our" or the "Company"). The product is developed by Coursiv Limited, headquartered in Cyprus. We aim to provide you with valuable learning materials and related services through our website www.coursiv.io ("Website").

2. Agreement Overview

By using our product Coursiv ("Service"), you agree to abide by these Terms and Conditions (referred to as the "Terms" or the "Agreement"). Our Privacy Policy and Subscription Terms are incorporated into these Terms by reference. Any translation of the Terms from the English version is provided for your convenience only. In case of any discrepancies, the English version will prevail.

3. Eligibility

To use Coursiv, you must be at least 16 years old and have the legal capacity to enter into an agreement. If you're under 18, you need your parent's permission. If you don't agree with these terms or you're not eligible, please do not use our Service.

4. What We Offer

Coursiv provides a range of educational materials, including articles, reading materials, and test questions. You will have access to the Digital Content only after registering for the Service, which means you will have to register and pay for the introductory offer (trial) or subscription plan depending on what you select at the time of purchase.

5. AI Chat Mentor

While using our Service you will also have access to the Mentor chat powered by Artificial Intelligence (we call it "AI Chat"). AI Chat is implemented for educational purposes only and is not intended to provide financial advice. You own your Input and we assign you all the rights permitted by law on the Output. However, we may use such Content to improve our services, but you can opt out of this if you contact us.

6. Subscription Plans

Introductory offer is a short term offer that provides limited access to the basic features of our Service. If you do not cancel at least 24 hours before it ends, it automatically converts into a subscription and you will be automatically charged a full price.

Subscription plan grants you ongoing access to the Service for a specified period (4 weeks, 12 weeks or otherwise) after payment. Subscription plans are automatically renewed at the end of each period. You can cancel anytime 24 hours before the end of the current billing period in your account settings.

Additional paid features are optional functionalities or services that we may offer in addition to the introductory offer or subscription plan.

Important note regarding price changes. The prices and the amount of Digital Content available through your subscription may be changed from time to time. We will give you reasonable notice of any such price change. If you do not agree with the new price, please cancel your subscription before it becomes applicable to you.

7. Billing and Cancellation

We bill for our services through PayPal or other payment providers (Visa, Mastercard and others). Your payment method will be charged according to your subscription plan. It's your responsibility to cancel your subscription in time. Please refer to our Subscription Terms and Money-Back Policy for detailed cancellation and refund procedures.

8. Data Protection

We collect, store, and process your data in accordance with our Privacy Policy. By using the Service you agree to the collection, storage, and processing of the data in the manner and for the purpose described in the Privacy Policy.

9. Use of Information and Intellectual Property

All the information, text, images, graphics, marks, logos, compilations, data, software and materials available through or at our Website constitutes our property or property of third parties. You're granted a non-exclusive license to use our Service for personal, non-commercial purposes only. Trademark: All brand assets, including the "Coursiv" name, logos, graphics, and service marks are the exclusive property of Coursiv Limited or their respective owners.

10. Third-Party Ads

Our Service may contain links to third-party websites and advertisements. We're not responsible for these third-party ads, and you use them at your own risk.

11. Compliance

The Services are provided in accordance with the laws of the State of Delaware, United States of America.

12. Copyright Statement

Coursiv copyrighted the product, including but not limited to all materials, logo, etc. Any redistribution or reproduction of part or all the Services and/or Digital content available through subscription services in any form is prohibited.

13. User Representations and Restrictions

By using the Service, you represent and warrant that you have the legal capacity and you agree to comply with these Terms; you are not under the age of 16; you will not use the Service for any illegal or unauthorized purpose; and your use of the Service will not violate any applicable law or regulation.

14. Disclaimers of Warranties and Liabilities

AS FOR INFORMATION ON THE SERVICE. ANY STATEMENT OR INFORMATION THAT MAY BE POSTED ON THE SERVICE IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY AND IS NOT INTENDED TO REPLACE OR SUBSTITUTE FOR ANY PROFESSIONAL FINANCIAL, LEGAL, OR OTHER ADVICE.

Coursiv does not provide investment or financial advice or advocate the purchase or sale of any security or investment via the Service. There is no guarantee that the Digital Content will meet your needs. Coursiv 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 within or through the Service.

15. Limitation of Liability

IN NO EVENT SHALL WE (AND OUR AFFILIATES) BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFIT OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING FROM THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE SERVICE AND PRODUCTS, OR THIRD PARTY ADS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, YOU AGREE THAT THE AGGREGATE LIABILITY OF COURSIV TO YOU FOR ANY AND ALL CLAIMS ARISING FROM THE USE OF THE APP, CONTENT, SERVICE OR PRODUCTS, IS LIMITED TO THE AMOUNTS YOU HAVE PAID TO COURSIV FOR ACCESS TO AND USE OF THE SERVICE.

For Australian residents: This Service is provided with guarantees under the Australian Consumer Law, which cannot be excluded. In case of a major failure, you are entitled to terminate the agreement and receive either a refund for the unused portion of the Service or compensation for its reduced value.

16. Indemnification

By using the Services, you agree to indemnify, defend, and hold harmless Harven Digital Corp. from and against any and all claims, complaints, lawsuits, or other liabilities, including reasonable attorneys' fees, that may arise from your use of the Services.

17. Informal Dispute Resolution Procedures

PLEASE READ THIS PROVISION CAREFULLY — BY AGREEING TO THIS PROVISION, YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT AND YOU ARE WAIVING YOUR RIGHT TO A JURY TRIAL. YOU ARE ALSO AGREEING TO RESOLVE ALL DISPUTES BETWEEN YOU AND THE COMPANY THROUGH BINDING ARBITRATION UNLESS YOU EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS PROVIDED BELOW.

You and Coursiv agree to resolve all Disputes through binding arbitration, except for: (i) claims that fall within the jurisdiction of a small claims court; and (ii) disputes related to intellectual property rights. A "Dispute" means any claim, controversy, or legal action between you and the Company regarding the Website, Services, or this agreement.

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