Terms of Service

1. Acceptance of Terms

Welcome to Krupnaya Chernika ("Company," "we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website located at krupnaya-chernika.com and our networking platform services (collectively, the "Service").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service. These Terms constitute a legally binding agreement between you and Krupnaya Chernika.

2. Description of Service

Krupnaya Chernika operates a networking platform that connects Canadian founders, entrepreneurs, and investors. Our services include:

• Professional networking and matchmaking between founders and investors
• Access to vetted investor and entrepreneur profiles
• Communication tools and relationship management features
• Educational content, events, and resources
• Due diligence support and advisory services
• Industry insights and market intelligence

3. User Accounts and Registration

3.1 Account Creation

To access certain features of our Service, you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your login credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access or security breach

3.2 Eligibility Requirements

You must meet the following requirements to use our Service:

• Be at least 18 years of age
• Have legal capacity to enter into binding agreements
• Not be prohibited from using our services under applicable laws
• Comply with all registration requirements and verification processes

3.3 Account Verification

We reserve the right to verify your identity and business credentials. This may include:

• Identity verification through government-issued documents
• Business registration and incorporation verification
• Professional background and experience validation
• Reference checks and third-party verification services

4. Acceptable Use Policy

4.1 Permitted Uses

You may use our Service only for lawful purposes and in accordance with these Terms. Specifically, you may:

• Create and maintain a professional profile
• Search for and connect with other verified users
• Communicate through our platform's messaging system
• Participate in events, webinars, and educational programs
• Access and download permitted content and resources

4.2 Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Violating any applicable laws, regulations, or third-party rights
• Providing false, misleading, or fraudulent information
• Impersonating another person or entity
• Harassing, threatening, or intimidating other users
• Transmitting spam, unsolicited communications, or malicious content
• Attempting to gain unauthorized access to our systems
• Reverse engineering, decompiling, or disassembling our software
• Using automated tools to access or scrape our platform
• Competing directly with our business using our platform

4.3 Content Standards

All content you submit must be:

• Accurate and not misleading
• Professional and appropriate for a business environment
• Free from defamatory, offensive, or inappropriate material
• Compliant with intellectual property rights
• Not containing confidential information without proper authorization

5. Intellectual Property Rights

5.1 Our Intellectual Property

The Service and its original content, features, and functionality are owned by Krupnaya Chernika and are protected by:

• Copyright, trademark, and other intellectual property laws
• International copyright treaties and conventions
• Trade secret and proprietary information protections

5.2 User Content License

By submitting content to our platform, you grant us a non-exclusive, worldwide, royalty-free license to:

• Use, reproduce, modify, and display your content
• Distribute your content to facilitate networking connections
• Create derivative works for platform improvement purposes
• Sublicense these rights to our service providers

5.3 Respect for Third-Party Rights

You represent and warrant that your use of the Service will not infringe upon the intellectual property rights of any third party.

6. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Service, you consent to the collection and use of your information as described in the Privacy Policy.

6.1 Data Sharing

You understand and agree that:

• Your profile information may be shared with other platform users
• We may use aggregated, anonymized data for business purposes
• Communication through our platform may be monitored for quality and security
• We may contact you regarding platform updates and relevant opportunities

7. Payment Terms and Subscriptions

7.1 Subscription Services

Certain features of our Service may require payment. For subscription services:

• Fees are charged in advance on a recurring basis
• Subscriptions automatically renew unless cancelled
• Price changes will be communicated with 30 days' notice
• No refunds for partial subscription periods unless legally required

7.2 Payment Processing

Payments are processed through secure third-party payment processors. You agree to:

• Provide accurate payment information
• Authorize us to charge your selected payment method
• Update payment information as needed
• Pay all applicable taxes and fees

7.3 Cancellation and Refunds

You may cancel your subscription at any time through your account settings. Refund policies are:

• No refunds for unused portions of current billing periods
• Cancellation takes effect at the end of the current billing cycle
• Refunds may be provided at our discretion for technical issues
• Chargebacks may result in account suspension

8. Platform Availability and Modifications

8.1 Service Availability

We strive to maintain high availability but cannot guarantee uninterrupted service. We reserve the right to:

• Modify, suspend, or discontinue any part of the Service
• Implement scheduled maintenance and updates
• Restrict access during emergency situations
• Update features and functionality

8.2 Changes to Terms

We may update these Terms periodically. Significant changes will be communicated through:

• Email notification to registered users
• Prominent notices on our platform
• Updated terms posted on our website

9. Termination

9.1 Termination by You

You may terminate your account at any time by:

• Using the account deletion feature in your settings
• Contacting our customer support team
• Sending a written notice to our registered address

9.2 Termination by Us

We may terminate or suspend your account immediately if you:

• Violate these Terms or our policies
• Engage in fraudulent or illegal activities
• Cause harm to other users or our platform
• Fail to pay required fees
• Remain inactive for extended periods

9.3 Effect of Termination

Upon termination:

• Your access to the Service will cease immediately
• Your account data may be deleted after a reasonable period
• Outstanding obligations will remain in effect
• Certain provisions of these Terms will survive termination

10. Disclaimers and Limitation of Liability

10.1 Service Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, INCLUDING:

• MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT AND TITLE
• ACCURACY, COMPLETENESS, OR RELIABILITY OF CONTENT
• UNINTERRUPTED OR ERROR-FREE OPERATION
• SECURITY OR VIRUS-FREE TRANSMISSION

10.2 Investment Disclaimers

IMPORTANT: Krupnaya Chernika does not provide investment advice or recommendations. We are not:

• A registered investment advisor or broker-dealer
• Responsible for investment decisions made by users
• Guaranteeing the success of any business or investment
• Providing due diligence or financial analysis
• Endorsing any particular investment opportunity

10.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SERVICE IN THE 12 MONTHS PRECEDING THE CLAIM. WE SHALL NOT BE LIABLE FOR:

• INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES
• LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES
• DAMAGES RESULTING FROM THIRD-PARTY ACTIONS
• INVESTMENT LOSSES OR BUSINESS FAILURES
• DAMAGES EXCEEDING THE FEES PAID TO US

11. Indemnification

You agree to indemnify, defend, and hold harmless Krupnaya Chernika, its officers, directors, employees, and agents from and against any claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit to the platform
• Your business activities conducted through our platform

12. Dispute Resolution

12.1 Governing Law

These Terms are governed by the laws of British Columbia, Canada, without regard to conflict of law principles.

12.2 Dispute Resolution Process

Before initiating formal legal proceedings, parties agree to attempt resolution through:

• Direct negotiation between the parties
• Mediation through a qualified mediator
• Arbitration if mediation is unsuccessful

12.3 Jurisdiction

Any legal action must be brought in the courts of British Columbia, Canada, and you consent to the jurisdiction of such courts.

13. General Provisions

13.1 Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Krupnaya Chernika.

13.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

13.3 Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of our right to enforce such provision in the future.

13.4 Assignment

We may assign these Terms without your consent. You may not assign these Terms without our written consent.

13.5 Force Majeure

We shall not be liable for any failure to perform due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.

14. Contact Information

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

We will respond to legal inquiries within 5 business days. For urgent legal matters, please mark your communication as "Urgent - Legal Matter."