Terms of Service

Last updated: July 2025

1. Acceptance of Terms

By accessing or using any services provided by Abkarino OÜ ("Company", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

2. Description of Services

Abkarino OÜ provides software development services and Software-as-a-Service (SaaS) solutions, including but not limited to:

• AdvisorVisuals platform and related services
• Custom software development
• Mobile application development and distribution
• SaaS platform hosting and maintenance

3. User Accounts and Registration

To access certain features of our services, you may need to create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate and complete information during registration
• Updating your information to keep it current

4. Acceptable Use

You agree not to use our services to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Upload malicious code or conduct security attacks
• Harass, abuse, or harm other users
• Engage in any commercial use without prior written consent

5. Intellectual Property

All content, features, and functionality of our services are owned by Abkarino OÜ and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

6. Privacy and Data

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your information when you use our services.

7. Payment Terms

For paid services:

• Payment is due according to the billing cycle selected
• All fees are non-refundable except as specified in our Refund Policy
• We reserve the right to change pricing with 30 days notice
• Failure to pay may result in service suspension or termination

8. Service Availability

While we strive to maintain high availability, we do not guarantee uninterrupted service. We may temporarily suspend services for maintenance, updates, or due to circumstances beyond our control.

9. Limitation of Liability

To the maximum extent permitted by law, Abkarino OÜ shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities.

10. Indemnification

You agree to indemnify and hold Abkarino OÜ harmless from any claims, damages, losses, or expenses arising from your use of our services or violation of these Terms.

11. Termination

We may terminate or suspend your account and access to our services at our sole discretion, without prior notice, for conduct that we believe violates these Terms or is harmful to our interests or other users.

12. Governing Law

These Terms are governed by the laws of Estonia. Any disputes shall be resolved in the courts of Estonia.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes via email or through our services. Continued use after changes constitutes acceptance of the new Terms.

14. Contact Information

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

Email: legal@abkarino-ventures.com
Company: Abkarino OÜ
Registered in Estonia