1. Agreement and Acceptance
These Terms of Service form a legally binding agreement between you and IP LLC, a Wyoming limited liability company (the Company, we, our, us), governing your access to and use of the Croatia My Love service, marketed at www.croatiamylove.com and delivered at www.myfamilylearnscroatian.com. By creating an account, accessing the Service, or booking a Live Lesson, you accept these Terms. If you do not accept them, do not use the Service. Our Privacy Policy and our Safeguarding and Child Protection Policy are incorporated into these Terms and form part of them. Where a Live Lesson is concerned and there is any conflict between documents, the Safeguarding and Child Protection Policy prevails.
2. Definitions
• Account means the family account held by an adult account holder. • Learner means any person taking part in the Service through a profile on your Account. • Live Lesson means a scheduled one-to-one video lesson delivered by a Tutor and booked through the Service. • Service means the Croatia My Love application, websites and all associated features. • Supervising Adult means a parent, guardian or other responsible person aged 18 or over who is present for the whole of a Live Lesson involving a Learner under 18. • Tutor means an independent contractor who offers Croatian language tuition through the Service. • You means the account holder, and where the context requires, every person using the Service through your Account.
3. Eligibility and Accounts
• You must be at least 18 years old to create an Account • You must provide accurate, current and complete registration information and keep it updated • You are responsible for keeping your credentials confidential and for all activity occurring under your Account, whether or not authorised by you • You may add family members under 18 as profiles under your Account. These are not independent accounts and cannot register, pay or book independently • One Account per family. You may not share it with anyone outside your immediate household • You may not create an Account if you have previously been removed from the Service Notify us promptly at main@myfamilylearnscroatian.com if you believe your Account has been accessed without your authorisation. We are not liable for any loss arising from your failure to keep your credentials secure. You are responsible for the conduct of every Learner on your Account and for ensuring that each of them complies with these Terms.
4. Description of the Service
4.1 Self-paced learning
A structured Croatian curriculum covering A1 to B2 across 52 weeks, interactive exercises, family progress tracking, a pronunciation trainer, built-in Croatian and English translation, native Croatian voice audio and an AI tutor. We provide this part of the Service ourselves.
4.2 Live Lessons
Optional one-to-one video lessons with independent Tutors, booked and paid for through the Service and held in a video room we create. Section 5 explains our role.
4.3 Changes to the Service
We may modify, add to or discontinue features at any time. Where we discontinue a feature that formed a material part of what you paid for, and you notify us within 30 days, we will refund the unused portion of your subscription. We are not otherwise liable for any modification or discontinuation. We do not guarantee that the Service will be available without interruption. We may suspend access for maintenance, security or technical reasons, and will give notice where reasonably practicable.
5. Our Role: We Are a Marketplace, Not the Provider of Lessons
PLEASE READ THIS SECTION CAREFULLY. IT DEFINES THE LIMITS OF WHAT WE ARE RESPONSIBLE FOR. We are not the provider of Live Lessons and we do not employ Tutors. Tutors are independent contractors who use our platform to offer their own teaching services directly to you. Each Live Lesson is a contract between you and that Tutor. We are not a party to it. We provide the marketplace, the booking and payment infrastructure, the video room, our verification process and the safeguarding rules that bind every Tutor. We do not set lesson prices, direct or control how a lesson is taught, or supervise lessons while they take place. Accordingly, and to the maximum extent permitted by law, we are not responsible or liable for the acts, omissions, conduct, punctuality, competence, teaching quality or suitability of any Tutor, or for any injury, loss or damage arising from a Live Lesson. This does not mean we take no responsibility for the platform itself. Section 17 sets out the checks we carry out, Section 15 sets out what happens when a lesson does not go as it should, and our Safeguarding and Child Protection Policy sets out how we respond to concerns. We take those obligations seriously. But you are contracting with the Tutor for the teaching, and you should know that before you book.
6. The AI Tutor
The AI tutor is a computer program, not a person, and is identified as artificial intelligence wherever it appears. It exists for language practice only. It is not a substitute for a human teacher, and it is not a companion, counsellor, medical, legal, psychological or professional adviser of any kind. It may generate responses that are inaccurate, incomplete or inappropriate to your circumstances, and you must not rely on it as a source of advice. You are responsible for supervising any Learner under 18 who uses the AI tutor, and you agree not to permit a Learner to use it as a confidant. If you are concerned about a Learner's wellbeing, contact a qualified person or an appropriate support service. Do not rely on our software to identify or respond to such a concern. To the maximum extent permitted by law, we disclaim all liability arising from reliance on output generated by the AI tutor.
7. Subscriptions, Pricing and Automatic Renewal
7.1 Free tier
Week 1 of the curriculum, Greetings, and the full Croatian alphabet course, Abeceda, are available free of charge with no time limit. We may change or withdraw the free tier at any time.
7.2 Paid plans
Monthly: $9.99 per month. Annual: $79.99 per year. Lifetime: $199 as a single payment. All plans cover the entire family Account, up to six profiles. Live Lessons are not included in any subscription and are purchased separately.
7.3 Automatic renewal
THE MONTHLY AND ANNUAL PLANS RENEW AUTOMATICALLY UNTIL YOU CANCEL. By subscribing you authorise us, through our payment processor Stripe, to charge your payment method the then-current plan price at the start of each billing period, being $9.99 every month for the Monthly plan or $79.99 every 12 months for the Annual plan. Renewal continues until you cancel in accordance with Section 8. The Lifetime plan is a single one-time payment. It does not renew and will never result in a recurring charge. Lifetime means for as long as we continue to operate the Service, and does not oblige us to operate it indefinitely.
7.4 Notices we will send you
• Renewal reminder. For the Annual plan we will email you between 15 and 45 days before each renewal, stating the renewal date, the amount to be charged and how to cancel. • Price change. We will email you at least 30 days before any change to your renewal price takes effect, so that you may cancel beforehand if you prefer. • Receipt. We will email you confirmation after every charge.
7.5 Failed payments and taxes
If a payment fails we may retry it and may suspend access until payment succeeds. Prices are stated exclusive of any applicable taxes, which will be added where required. You are responsible for any bank or currency conversion charges imposed by your own provider.
8. Cancelling a Subscription
Cancelling is designed to be no more difficult than subscribing. You may cancel by either method: • In the app: open the menu, then Account, then Manage Billing. This opens your billing portal where you can cancel immediately, without contacting anyone • By email: contact main@myfamilylearnscroatian.com and we will process your cancellation Cancellation takes effect at the end of your current billing period and you retain full access to paid content until that period ends. Except as provided in Section 9, or where applicable law requires otherwise, we do not provide prorated refunds for the unused portion of a billing period. Cancelling a subscription does not cancel any Live Lesson you have already booked. Lessons are cancelled separately under Section 15.
9. Subscription Refunds
We will refund a Monthly or Annual subscription in full if both of the following apply: you request it within 7 days of purchase, and you have not completed more than one lesson beyond Week 1. Lifetime purchases are non-refundable, except where a refund is required by applicable law, including under Section 24 if you are an EU or UK consumer. To request a refund, contact main@myfamilylearnscroatian.com within 7 days of purchase. Refunds are issued to the original payment method and typically appear within 5 to 10 business days depending on your bank. Refunds for Live Lessons are dealt with separately under Section 15. We may decline a refund request where we reasonably believe it is made in bad faith or forms part of a pattern of repeated purchase and refund.
10. Live Lessons: Booking, Pricing and Payment
Tutors set their own prices, between $5 and $200 for a 50-minute lesson. The price displayed at the time of booking is the price you pay. We retain a platform fee of 15% and the Tutor receives the remainder. All payments are processed by Stripe and you agree to Stripe's terms. We do not store your card details. When you pay for a Live Lesson, the full amount is received by us and held until the lesson is confirmed under Section 15, at which point the Tutor's share is transferred to them. We hold that amount in order to make the protections in Section 15 possible, not for our own benefit, and no interest is payable to you or to the Tutor on funds held. A booking is confirmed only when we send you a confirmation. We may decline or cancel a booking where we reasonably suspect fraud, a breach of these Terms, or a risk to the safety of any person.
11. The Supervising Adult Requirement
WHERE THE LEARNER IS UNDER 18, A PARENT, GUARDIAN OR OTHER RESPONSIBLE ADULT AGED 18 OR OVER MUST BE PRESENT IN THE ROOM FOR THE ENTIRE LIVE LESSON. Not nearby, not within earshot, but present and able to see and hear what is taking place. This is the central protection in our safeguarding model. It is a condition of your use of the Service and it is not optional. It applies to every lesson, every time, including with a Tutor your family has used before, and it applies to a 17-year-old Learner as much as to a younger one. By booking a Live Lesson for a Learner under 18 you confirm that you understand this requirement and will comply with it. Tutors are contractually required to confirm that a Supervising Adult is present, to stop teaching if that adult leaves, and to end the lesson if they do not promptly return. Where a lesson is ended because no Supervising Adult was present, the lesson is treated as a cancellation by you within 24 hours under Section 15, no refund is due, and the Tutor is paid in full. We may cancel future bookings or suspend your Account where this requirement is disregarded. Your failure to comply with this Section is a material breach of these Terms. To the maximum extent permitted by law, we accept no liability for any harm arising during a Live Lesson at which no Supervising Adult was present in breach of this Section.
12. Code of Conduct for Families and Learners
When using the Service, and in particular when taking part in a Live Lesson, you agree that neither you nor any Learner on your Account will: • Record, photograph, screenshot or stream any part of a lesson by any means • Request a Tutor's personal contact details, provide your own, or arrange lessons outside the Service • Behave abusively towards a Tutor, or harass, threaten or discriminate against them • Make any remark or advance of a sexual nature, or any comment on a Tutor's appearance or body • Permit anyone who is not on your Account to join or observe a lesson, other than the Supervising Adult • Attend a lesson while under the influence of alcohol or drugs, in a state of undress, or in a setting inappropriate for a lesson involving a child • Misrepresent the age or identity of any Learner • Attempt to solicit a Tutor away from the Service or to recruit them for any other purpose We may suspend or terminate your Account for any breach of this Section, and we will do so immediately and without notice where the safety of any person is involved.
13. No Off-Platform Arrangements
Live Lessons must be booked and paid for through the Service and conducted in the video room we provide. Arranging lessons directly with a Tutor introduced to you through the Service is a material breach of these Terms, whether or not payment is involved. This is not merely a commercial rule. An off-platform arrangement removes every protection this Service provides at once: the controlled video room, the payment hold, our verification records, our ability to act on a report, and the Tutor's contractual safeguarding obligations to us. To the maximum extent permitted by law, we accept no responsibility or liability whatsoever for anything arising from an arrangement made outside the Service. We may terminate the Account of any user who does this, and we may terminate the Tutor.
14. Reviews and Content You Submit
You may submit reviews of Tutors and other content. You must ensure that anything you submit is honest, relates to the lesson, and does not contain personal information about any person, defamatory or abusive material, or anything unlawful. You retain ownership of content you submit. You grant us a worldwide, non-exclusive, royalty-free, sublicensable licence to host, store, display, reproduce and distribute it in connection with operating and promoting the Service. This licence continues for as long as the content remains published. You warrant that you have all rights necessary to grant that licence and that your content does not infringe the rights of any person. We may remove content that breaches this Section, but we are under no general obligation to monitor, review or moderate content, and we do not endorse any user content. We will not remove a review merely because a Tutor disagrees with it.
15. Lesson Cancellations, No-Shows and Refunds
15.1 Rescheduling
You may reschedule free of charge more than 24 hours before the scheduled start, up to twice per booking.
15.2 Cancellation and no-show outcomes
• You cancel more than 24 hours before: you are refunded in full and the Tutor is not paid. • You cancel within 24 hours: no refund is due and the Tutor is paid in full. • The Tutor cancels, at any time: you are refunded in full and the Tutor is not paid. • You do not attend: no refund is due and the Tutor is paid. • The Tutor does not attend: you are refunded in full and the Tutor is not paid. A late cancellation pays the Tutor because the slot was held and cannot realistically be filled at short notice. This is consistent with the approach taken by comparable tutoring platforms.
15.3 Reporting a problem
You have 3 days after a lesson ends to report a problem with it. After that period the lesson confirms automatically and the Tutor is paid. We hold the Tutor's payment throughout that period precisely so that a lesson which did not take place, or which went wrong, has not already been paid out. A report that a Tutor did not attend is determined by a member of our team rather than automatically, because a report that a Tutor never appeared and a report that a lesson was disappointing are indistinguishable on a form, and only one of them should move money. Our determination is final as between you and us, without prejudice to your rights under Section 24 or Section 25.
15.4 Safeguarding reports are not time-limited
The 3-day period does not apply to safeguarding concerns, which are subject to no deadline of any kind. Report a safeguarding concern whenever you become aware of it, however long after the lesson.
15.5 Technical failure
If a lesson cannot proceed because of a failure in our platform or our video provider, we will refund you in full and the Tutor will be paid, as the failure was not theirs. If the failure is in your own equipment, internet connection or environment, the lesson is treated as attended. Our liability for any technical failure is limited to the refund described in this Section.
16. Acceptable Use
You agree not to: reverse engineer, decompile or disassemble the Service; scrape, copy, republish or redistribute curriculum content; use automated tools, bots or scripts to access the Service; resell, sublicense or commercially exploit access; circumvent any security or access control; upload malicious code; impersonate any person; or interfere with or disrupt the Service or its infrastructure. You further agree not to use the Service to break any law, to infringe anyone's rights, or to contact, groom, exploit or harm any child. Any use of the Service for that last purpose will result in immediate termination and referral to law enforcement.
17. Tutor Verification: Scope and Limits
We want you to make an informed decision, so this is set out plainly.
17.1 What we do
• Identity verification. Every Tutor is verified through Stripe, which collects and checks government identification and bank details directly. A Tutor cannot be listed until Stripe confirms verification. This is a technical gate, not a promise. • Human review of every application, read and approved by a person before any profile is published. • Human review of profile media, with photographs and introduction videos reviewed before families see them. • Verification of any claimed qualification, by checking the uploaded certificate against the profile name and stated claim. • Contractual declarations, in which every Tutor confirms they are not barred from working with children, have no relevant conviction or pending proceeding, and are subject to no order restricting contact with children.
17.2 What we do not do
• We do not run criminal record or background checks. This is a deliberate decision. Most Tutors are native speakers living outside the United States, where criminal record checking is inconsistent, slow and in some countries unavailable to a private company. A check that cannot be run reliably everywhere would produce an uneven standard and a false sense of assurance. • We do not interview Tutors or observe them teach. Approval is based on a written application. • We do not take up references. • We do not monitor or record lessons.
17.3 What this means
A Tutor being listed means that their identity has been verified and their application approved. It is not a representation by us that they are suitable for your particular child, or a warranty as to their character, competence or conduct. You should form your own view, which is one of several reasons the Supervising Adult requirement exists. Certificates are optional and most Tutors will hold none, which is ordinary for native speakers. Our safeguarding model relies on supervision rather than pre-screening, and is explained in full in our Safeguarding and Child Protection Policy, which we ask every family to read before booking a first lesson.
18. Intellectual Property
All content in the Service, including the Croatian curriculum, vocabulary data, exercise designs, audio, graphics, software, trade marks and branding, is owned by IP LLC or its licensors and is protected by intellectual property law. Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to access and use the Service for your family's own non-commercial learning. No other rights are granted, whether by implication or otherwise. Tutors own the teaching they deliver in a Live Lesson and any materials they bring to it. Nothing in these Terms transfers any right in those materials to you beyond the right to use them for your own learning. If you send us feedback or suggestions, you grant us an unrestricted right to use them without obligation or compensation to you.
19. Third-Party Services
The Service relies on third-party providers including Stripe for payments, Daily.co for video, Anthropic for the AI tutor, Google Cloud for audio and MyMemory for translation. Your use of those features is also subject to those providers' own terms. We are not responsible for the acts, omissions, availability, accuracy or content of any third-party service, or for any website you reach by a link from ours. Links do not constitute endorsement.
20. Disclaimers of Warranty
THE SERVICE, INCLUDING ALL CONTENT AND ANY LIVE LESSON BOOKED THROUGH IT, IS PROVIDED ON AN AS IS AND AS AVAILABLE BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, TO THE MAXIMUM EXTENT PERMITTED BY LAW. WE EXPRESSLY DISCLAIM ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, TIMELY OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICE OR ITS SERVERS ARE FREE OF HARMFUL COMPONENTS. WE DO NOT GUARANTEE ANY PARTICULAR LANGUAGE LEARNING OUTCOME. RESULTS DEPEND ON INDIVIDUAL EFFORT AND FREQUENCY OF USE. WE DO NOT WARRANT THE IDENTITY BEYOND THE VERIFICATION DESCRIBED IN SECTION 17, THE QUALITY, THE SUITABILITY, THE PUNCTUALITY, THE QUALIFICATIONS OR THE CONDUCT OF ANY TUTOR. TUTORS ARE INDEPENDENT CONTRACTORS AND ARE NOT OUR EMPLOYEES, AGENTS OR REPRESENTATIVES. Some jurisdictions do not permit the exclusion of implied warranties, so some of the above may not apply to you.
21. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COMPANY, ITS MEMBERS, OFFICERS, EMPLOYEES OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES, OR FOR ANY LOSS OF PROFIT, REVENUE, DATA, GOODWILL OR OPPORTUNITY, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, AND WHETHER OR NOT WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF THE TOTAL AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED UNITED STATES DOLLARS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR THE ACTS OR OMISSIONS OF ANY TUTOR, FOR ANYTHING OCCURRING DURING OR ARISING OUT OF A LIVE LESSON, OR FOR ANYTHING ARISING OUT OF AN ARRANGEMENT MADE OUTSIDE THE SERVICE.
21.1 What is never excluded
Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited. That includes liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, for our own gross negligence or wilful misconduct, and any liability arising from sexual misconduct, abuse or exploitation of a child.
21.2 Basis of the bargain and severance
You acknowledge that the limitations in this Section are a fundamental basis of the bargain between us and are reflected in the pricing of the Service. If any part of this Section is held unenforceable, the remainder continues to apply to the maximum extent permitted.
21.3 Time limit for claims
To the maximum extent permitted by law, any claim arising out of or relating to the Service or these Terms must be brought within one year after the cause of action arises, failing which it is permanently barred. This Section does not apply to any claim described in Section 25.2, or where a longer period is required by law.
22. Indemnification
You agree to indemnify, defend and hold harmless the Company and its members, officers, employees and agents from and against any claim, demand, loss, liability, damage, cost or expense, including reasonable legal fees, arising out of or relating to: your breach of these Terms; your breach of Section 11, 12, 13 or 16; content you submit; your violation of any law or of the rights of any person; or any arrangement you make with a Tutor outside the Service. This indemnity does not extend to any matter caused by our own negligence, wilful misconduct or breach of these Terms. We will notify you of any claim to which this Section applies and you may not settle it in a way that imposes any obligation on us without our written consent.
23. Suspension and Termination
You may close your Account at any time through your Account settings or by contacting us. We may suspend or terminate your Account, or any part of your access to the Service, where you materially breach these Terms, where we reasonably suspect fraud or unlawful use, or where we are required to by law. Where the matter concerns the safety of a child, we will act immediately and without prior notice. Otherwise we will normally give you notice and a reasonable opportunity to remedy the breach, unless doing so would be impractical or would expose any person to risk. If we terminate your Account for a reason other than your breach, we will refund the unused portion of any subscription and refund any Live Lesson booked but not taken. If we terminate for your breach, no refund is due. Sections 5, 12, 13, 14, 16, 18, 20, 21, 22, 25 and 26 survive termination.
24. Consumers in the European Union and United Kingdom
If you are a consumer resident in the EU or UK, this Section applies and takes precedence over any conflicting provision of these Terms. • Right of withdrawal. You may withdraw from your purchase within 14 days without giving a reason. Because the Service provides immediate access to digital content, you may be asked at checkout to consent expressly to immediate access and to acknowledge that doing so ends your withdrawal right once access begins. Where you have not given that consent, or where access has not begun, the 14-day right applies in full, including to Lifetime purchases. • Mandatory protections. Nothing in these Terms deprives you of the protection of the mandatory consumer law of the country in which you reside, including any statutory right to a remedy where digital content is not as described or not of satisfactory quality. • Disputes. The arbitration provisions and class action waiver in Section 25 do not apply to you to the extent prohibited or unenforceable under the law of your country of residence. You may bring proceedings in the courts of the country where you live, and we will bring any claim against you there. • Limitation periods. The one-year limitation in Section 21.3 does not apply to you where local law provides a longer period.
25. Dispute Resolution, Governing Law and Venue
25.1 Informal resolution first
Before commencing any formal proceeding, please email main@myfamilylearnscroatian.com describing the dispute and the outcome you seek. We will do the same before bringing any claim against you. Both parties agree to attempt in good faith to resolve the matter for 30 days. Most disputes are resolved at this stage.
25.2 Claims never subject to arbitration
The following may always be brought in a court of competent jurisdiction, and nothing in this Section restricts them: • Any claim arising from sexual assault or sexual harassment, consistent with the Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act • Any claim relating to the abuse, exploitation, endangerment or neglect of a child • Any claim brought by or on behalf of a minor • Any claim within the jurisdiction of a small claims court • Any application for injunctive or other emergency relief We state this plainly: if something happens to a child on this platform, we will not seek to force that dispute into private arbitration.
25.3 Arbitration of other disputes
Any other dispute not resolved under Section 25.1 will be settled by binding individual arbitration administered by the American Arbitration Association (AAA) under its consumer arbitration rules, before a single arbitrator. Arbitration may be conducted remotely or in the county where you reside, at your election. The Federal Arbitration Act governs this Section. Whether a dispute falls within Section 25.2 is determined by a court and not by an arbitrator.
25.4 Costs
We will pay the filing, administration and arbitrator fees for any claim you bring, except where the arbitrator determines the claim to be frivolous. Each party bears its own legal costs unless the law or the arbitrator provides otherwise.
25.5 Individual basis only
Claims must be brought individually. Neither party may bring a class, collective, consolidated or representative action, and the arbitrator may not preside over one. If this paragraph is held unenforceable as to any claim, that claim must proceed in court and the remainder of this Section continues to apply to all other claims.
25.6 Your right to opt out
You may opt out of Sections 25.3 and 25.5 entirely. Email main@myfamilylearnscroatian.com with the subject line Arbitration Opt-Out, giving your name and the email address on your Account, within 30 days of first accepting these Terms. Opting out is free, affects nothing else about your Account, and we will confirm it in writing.
25.7 Multiple similar claims
If 25 or more similar claims are filed against us by the same or coordinated counsel, the parties will apply whatever protocol the administrator has in place for related claims. Where the administrator's rules and this paragraph differ, the administrator's rules apply.
25.8 Governing law and venue
Subject to Sections 24 and 25.2, these Terms are governed by the laws of the State of Wyoming, without regard to its conflict of laws rules, and the United Nations Convention on Contracts for the International Sale of Goods does not apply. Where a dispute proceeds in court rather than arbitration, it will be brought in the state or federal courts located in Wyoming and both parties consent to that jurisdiction, except that consumers in the EU and UK may proceed under Section 24 and any claim within Section 25.2 may be brought in any court of competent jurisdiction.
26. General Provisions, Changes and Contact
26.1 Changes to these Terms
We may update these Terms. We will notify you by email and post the updated version at least 30 days before material changes take effect. If you do not agree, you may close your Account before they take effect and we will refund the unused portion of your subscription. Changes never apply retroactively to a dispute that has already arisen.
26.2 Force majeure
We are not liable for any failure or delay caused by events beyond our reasonable control, including acts of God, natural disaster, war, civil unrest, epidemic, labour dispute, governmental action, internet or telecommunications failure, or the failure of any third-party service provider.
26.3 Severability, waiver and assignment
If any provision is held invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or severed, and the remainder continues in full force. Our failure to enforce any provision is not a waiver of it, and no waiver is effective unless in writing. You may not assign these Terms without our written consent. We may assign them to a successor to our business.
26.4 Notices and entire agreement
We may give notice by email to the address on your Account or by posting in the Service. You must give notice to main@myfamilylearnscroatian.com. These Terms, together with the Privacy Policy and the Safeguarding and Child Protection Policy, constitute the entire agreement between us regarding the Service and supersede all prior agreements. Nothing in these Terms creates any partnership, agency, employment or joint venture, or gives any third party any right to enforce them.
26.5 Contact
IP LLC Email: main@myfamilylearnscroatian.com Websites: www.croatiamylove.com and www.myfamilylearnscroatian.com State of formation: Wyoming, United States