Terms and Conditions

Adopted: May 21, 2026

Welcome to Coursiv! We've simplified our Terms and Conditions to make them more user-friendly. 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. 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.

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).

Sections of most attention: Agreement Overview / Eligibility / What we offer / Privacy and Data / Subscription Plans / Billing and Cancellation / Copyright Statement / Limitation of liability / Contact us

1. Who We Are

Coursiv™ is distributed in the United States by Harven Digital Corp.("HARVEN DIGITAL CORPORATION"), a company incorporated in the State of Delaware, United States of America, 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"), which serves as our main service platform, as well as through other designated platforms.

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, which means they are part of the Terms.

Any translation of the Terms from the English version is provided for your convenience only. In case of any discrepancies, the English version of the Terms will prevail.

3. Eligibility

If you do not agree with any part of these Terms or you are not eligible to use our Services, please do not access any part of our Service. 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.

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 and our product Coursiv only after registering for the Service, which means you will have to register and pay for the introductory offer (trial) or subscription plan (4 weeks, 12 weeks or otherwise) depending on what you select at the time of purchase.

After the purchase and while using the Service you may be offered additional paid features. Please read carefully any offers you receive from us.

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.

While using our AI Chat, you may provide your information (we call it "Input"), and we'll generate responses based on your Input (such responses are called "Output"). You own your Input and we assign you all the rights permitted by law on the Output (collectively Input and Output are called "Content"). However, we may use such Content to improve our services, but you can opt out of this if you contact us.

Due to the nature of machine learning, Output may not be unique across users and the Services may generate the same or similar output for multiple users.

6. Subscription Plans

Introductory offer is a short term offer that provides limited access to the basic features and content of our Service. It is usually designed for new users to try out the platform before it automatically converts into subscription. You can cancel the introductory offer 24 hours before it ends. If you do not cancel, it automatically converts into the subscription and you will be automatically charged a full price for the subscription plan without notice.

Subscription plan is an arrangement that grants you ongoing access to the Service for a specified period (4 weeks, 12 weeks or otherwise, depending on what you select at the time of purchase) 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 on subscription or one-time purchase bases.

Important note! Some offers may be renewed at the full, not discounted price. Please read carefully the terms of the introductory offer or subscription plan that you choose when you purchase the Service.

Important note regarding price changes. The prices and the amount of Digital Content available through your introductory offer or 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.

Coursiv charges the applicable fees to the payment card you submit at the time of purchase. You authorize us to store your payment method(s) and automatically charge the applicable subscription fees for the renewal term. If a payment is not successfully authorized, we may suspend or terminate your subscription.

Please refer to our Subscription Terms 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, other content, 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. No other rights or use with regards to the Services is available to you unless otherwise expressly written in these Terms.

Information you provide us when you sign up to Coursiv, your "User Content," belongs to you, and we do not obtain any proprietary right over it. However, you agree that we may retain copies of all registration information and User Content and use all such information as reasonably required or incidental to the operation of Services.

Trademark:All brand assets, including the "Coursiv" name, logos, graphics, and service marks used on our platform are the exclusive property of Coursiv Limited or their respective owners, and certain of them are registered with the United States Patent and Trademark Office or other trademark authorities.

10. Third-Party Ads

Our Service may contain links to third-party websites and advertisements for third-party products or services. We're not responsible for these third-party ads, and you use them at your own risk. When you link to a third-party website, the terms and conditions of such a website will apply to your relationship with the owner of that website.

11. Compliance

The Services are provided in accordance with the laws of the State of Delaware, United States of America. We make no representation or warranty that a Service or the Digital Content are applicable or available for use in other locations. If you use the Services from a jurisdiction other than the United States of America you agree to do so at your own risk.

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. Any other proposed use of Services and/or Digital Content shall be granted by Coursiv in the form of formal written permission.

13. User Representations and Restrictions

Representations and Warranties — 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 access the Service through automated or non-human means; you will not use the Service for any illegal or unauthorized purpose; you are not located in a country subject to a U.S. government embargo; and your use of the Service will not violate any applicable law or regulation.

Restrictions — As a user of the Service, you agree not to: systematically retrieve data or other content from the Service; make any modification, adaptation, improvement, enhancement, translation, or derivative work; use the Service for creating a competing product; circumvent, disable, or otherwise interfere with security-related features; decipher, decompile, disassemble, or reverse engineer any of the software; use the Service to send automated queries or unsolicited commercial e-mail; disparage, tarnish, or otherwise harm us and/or the Service; or use the Service in a manner inconsistent with applicable laws or regulations.

14. Disclaimers of Warranties and Liabilities

AS FOR INFORMATION ON THE SERVICE: ANY STATEMENT OR INFORMATION 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 or any other person's needs or requirements. We make no guarantees about the level of success you will have, and you accept the risk that results will vary from person to person.

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 or provided within or through the Service. Coursiv disclaims responsibility for any loss, damage, or injury arising out of or in connection with the Service information usage.

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 (INCLUDING THE DIGITAL CONTENT) AND 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.

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. THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE TERMS BETWEEN COURSIV AND YOU.

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.

15.1. If you are an Australian resident: 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: (a) terminate the agreement for the provision of the Service; and (b) receive either a refund for the unused portion of the Service or compensation for its reduced value. If the failure is not considered major, we will remedy the issue within a reasonable timeframe.

16. Indemnification

In no event will Coursiv be liable for any loss, damage, or injury, including any indirect, consequential, special, incidental, or punitive damages arising out of, or in connection with, the use of the Services.

By using the Services, you agree to indemnify, defend, and hold harmless Coursiv, its successors, subsidiaries, affiliates, any related companies, its suppliers, licensors and partners, and the officers, directors, employees, agents and representatives of each of them harmless, including costs and attorneys' fees, from any claim or demand made by any third party due to or arising out of (i) your use of the Service or Digital Products, (ii) your User Content, or (iii) your violation of these Terms.

17. Informal Dispute Resolution Procedures

PLEASE READ THIS PROVISION CAREFULLY — THIS SECTION CONTROLS HOW DISPUTES BETWEEN YOU AND THE COMPANY WILL BE ADDRESSED. 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.

Mandatory Pre-Filing Notice Procedure:You must first send the Company a written notice of the Dispute ("Notice") including your name, address, email, detailed description of your Dispute, relevant facts, detailed description of the relief sought, and a personally signed statement verifying accuracy. Notice must be sent to: Georgiou A, 83, Shop 17, Potamos Germasogeias 4047, Limassol, the Republic of Cyprus, Attention: Legal. After receiving Notice, parties agree to engage in good faith efforts to resolve the Dispute for a period of 60 days through informal negotiation, including at least one individualized video conference.

Small Claims Court: Subject to applicable jurisdictional requirements, you or the Company may elect to pursue a Dispute in a local small claims court rather than through arbitration.

What is Arbitration? Arbitration is a more informal way to resolve disagreements than a lawsuit in court. It uses a neutral arbitrator instead of a judge or jury. You and we agree that the U.S. Federal Arbitration Act and federal arbitration law govern the interpretation and enforcement of this provision.

CLASS ACTION AND JURY TRIAL WAIVER: TO THE FULLEST EXTENT ALLOWABLE BY LAW, YOU AND THE COMPANY WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO LITIGATE DISPUTES IN COURT IN FAVOR OF ARBITRATION.

Arbitration Procedure: The arbitration will be governed by applicable rules of National Arbitration & Mediation ("NAM"). The NAM Rules are available at www.namadr.com. The arbitration will be in English. A single independent and impartial arbitrator will be appointed remotely.

Decision of the Arbitrator: Barring extraordinary circumstances, the arbitrator will issue their decision within 120 days from the date the arbitrator is appointed. All arbitration proceedings will be closed to the public and confidential.

Fees: The payment of arbitration fees will be governed by the applicable NAM Rules, unless you qualify for a fee waiver under applicable law.

Opting Out: New users who create an account on or after August 30, 2025 may opt out of this arbitration provision by sending written notice to support@coursiv.io within 30 days of first use of our Service.

Governing Law: The laws of the State of Florida, excluding its conflicts of law rules, govern this Agreement and your use of the Service. Actions relating to any dispute shall be subject to the exclusive jurisdiction of the state and federal courts located in Delaware.

If you are a consumer based in the EEA, the UK or Switzerland: Nothing in these Terms shall deprive you of the protection afforded to consumers by the mandatory rules of law of the country in which you live.

18. Miscellaneous

We may occasionally update our Service and may change information without notice. We may at any time modify or discontinue, temporarily or permanently, the Service at our sole discretion with or without notice.

19. Changes

We may update these Terms from time to time. We will provide you with 30 (thirty) days' advance notice of any material adverse change to the Services or these Terms.

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