Terms & Conditions

1. Our services

Information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction where such distribution or use would be contrary to law, or which would subject us to a registration requirement in that jurisdiction. Anyone accessing the Services from other locations does so on their own initiative and is responsible for compliance with local laws.

The Services are not tailored to comply with industry-specific regulations (e.g. HIPAA, FISMA) — if your use would be subject to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA).

2. Intellectual property rights

Our intellectual property

We own or license all intellectual property rights in our Services, including all source code, databases, functionality, software, designs, audio, video, text, photographs, and graphics (the "Content"), and the trademarks, service marks, and logos contained therein (the "Marks"). Our Content and Marks are protected by copyright, trademark, and other laws in the United States and around the world, and are provided "as is" for your personal, non-commercial use only.

Your use of our Services

Subject to your compliance with these Legal Terms, we grant you a non-exclusive, non-transferable, revocable license to access the Services and download or print a copy of any Content to which you have properly gained access, solely for personal, non-commercial use. Except as set out here, no part of the Services or Content may be copied, reproduced, republished, uploaded, posted, distributed, sold, licensed, or otherwise exploited for any commercial purpose without our express written permission. To request other uses, email helloskrolla@gmail.com. Any breach of these rights constitutes a material breach and will terminate your right to use the Services immediately.

Your submissions

By sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in that Submission, for our unrestricted use without acknowledgment or compensation to you. By sending Submissions, you confirm you will not post anything illegal, harassing, hateful, harmful, defamatory, obscene, abusive, discriminatory, threatening, sexually explicit, false, or misleading; waive any moral rights to the extent permitted by law; warrant the Submissions are original to you or that you hold the necessary rights; and warrant they are not confidential. You are solely responsible for your Submissions and agree to reimburse us for losses arising from your breach of this section, a third party's IP rights, or applicable law.

3. User representations

By using the Services, you represent and warrant that: (1) all registration information you submit is true, accurate, current, and complete; (2) you will maintain and promptly update such information; (3) you have the legal capacity to comply with these Legal Terms; (4) you are not a minor in your jurisdiction; (5) you will not access the Services through automated or non-human means (bots, scripts, etc.); (6) you will not use the Services for any illegal or unauthorized purpose; and (7) your use will not violate any applicable law or regulation.

If any information you provide is untrue, inaccurate, not current, or incomplete, we may suspend or terminate your account and refuse current or future use of the Services.

4. User registration

You may be required to register to use the Services. You agree to keep your password confidential and are responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username we determine, in our sole discretion, to be inappropriate, obscene, or otherwise objectionable.

5. Prohibited activities

You may not access or use the Services for any purpose other than the one for which we make them available, and not in connection with any commercial endeavor except those we specifically endorse. As a user of the Services, you agree not to, among other things:

• Systematically retrieve data to create or compile a collection, compilation, database, or directory without our written permission.
• Trick, defraud, or mislead us or other users, including attempts to learn sensitive account information.
• Circumvent, disable, or interfere with security-related features of the Services.
• Disparage, tarnish, or otherwise harm us and/or the Services, in our opinion.
• Use information from the Services to harass, abuse, or harm another person.
• Misuse our support services or submit false reports of abuse or misconduct.
• Use the Services inconsistently with applicable laws or regulations.
• Engage in unauthorized framing of or linking to the Services.
• Upload viruses, Trojan horses, or other material (including spam) that interferes with the Services' operation.
• Use scripts, bots, data mining, or similar automated tools against the Services.
• Delete copyright or proprietary rights notices from any Content.
• Impersonate another user or person.
• Transmit passive or active information-collection mechanisms such as spyware, web bugs, or tracking pixels.
• Interfere with or place an undue burden on the Services or connected networks.
• Harass, intimidate, or threaten our employees or agents.
• Attempt to bypass measures designed to prevent or restrict access to the Services.
• Copy or adapt the Services' software, or reverse engineer/decompile it except as permitted by law.
• Use or develop unauthorized spiders, scrapers, or offline readers against the Services.
• Use a buying or purchasing agent to make purchases on the Services.
• Collect usernames/emails by automated means for unsolicited email, or create accounts under false pretenses.
• Use the Services to compete with us or for any revenue-generating or commercial enterprise.
• Sell or otherwise transfer your profile.

6. User generated contributions

The Services do not offer users the ability to submit or post content. We may, however, provide the opportunity to create, submit, post, display, transmit, or distribute content and materials ("Contributions"), which may be viewable by other users or through third-party websites and treated per our Privacy Policy. By creating Contributions, you represent and warrant that they: don't infringe any third party's proprietary rights; are original to you or properly licensed; carry consent from any identifiable individuals depicted; are not false, inaccurate, or misleading; are not unsolicited advertising or spam; are not obscene, violent, harassing, or otherwise objectionable; do not ridicule or abuse anyone; do not threaten or promote violence; do not violate any law, regulation, or third-party privacy/publicity rights; and do not concern child exploitation or include offensive content connected to protected characteristics. Violations may result in termination or suspension of your rights to use the Services.

7. Contribution license

You agree that we may access, store, process, and use any information and personal data you provide following the Privacy Policy and your choices. By submitting feedback, you agree we can use and share it for any purpose without compensation. We do not assert ownership over your Contributions — you retain full ownership and are solely responsible for them; we are not liable for any statements or representations in your Contributions, and you agree to exonerate us from responsibility and refrain from legal action regarding them.

8. Mobile application license

Use license

If you access the Services via the App, we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on devices you own or control. You shall not: (1) decompile, reverse engineer, disassemble, or derive source code from the App except as permitted by law; (2) modify, adapt, or create derivative works from the App; (3) violate applicable laws in connection with your use; (4) remove or obscure proprietary notices; (5) use the App for revenue-generating purposes it isn't designed for; (6) make the App available for simultaneous multi-device/user access over a network; (7) build a competing product or substitute for the App; (8) use the App to send automated queries or unsolicited commercial email; or (9) use our proprietary information/interfaces to design competing applications, accessories, or devices.

Apple and Android devices

If you access the App via the Apple Store or Google Play (each an "App Distributor"): the license is limited to a non-transferable license to use the App on a device using the applicable operating system, per the App Distributor's terms of service; we are responsible for providing maintenance and support as specified in these Legal Terms or as required by law, and the App Distributor has no such obligation; for warranty failures, you may notify the App Distributor, which may refund the purchase price (if any) per its own terms, with no further warranty obligation; you represent you are not located in a country subject to a US government embargo or on a US government list of prohibited/restricted parties; you must comply with applicable third-party agreements when using the App; and App Distributors are third-party beneficiaries of this section and may enforce it against you.

9. Third-party websites and content

The Services may contain links to other websites ("Third-Party Websites") and third-party articles, photographs, software, or other content ("Third-Party Content"). We do not investigate, monitor, or check these for accuracy or appropriateness, and we are not responsible for any Third-Party Websites or Content, including their privacy practices. Inclusion of a link does not imply our endorsement. If you leave the Services to access Third-Party Websites or use Third-Party Content, you do so at your own risk and these Legal Terms no longer govern — review the applicable third party's terms and privacy practices. Purchases made through Third-Party Websites are solely between you and that third party, and you agree to hold us blameless from any harm relating to such purchases or any Third-Party Content or contact with Third-Party Websites.

10. Advertisers

We allow advertisers to display advertisements and other information in certain areas of the Services (such as banner advertisements). We simply provide the space for such advertisements and have no other relationship with advertisers.

11. Services management

We reserve the right, but not the obligation, to: monitor the Services for violations of these Legal Terms; take appropriate legal action against anyone who violates the law or these Legal Terms, including reporting to law enforcement; refuse, restrict, or disable access to any Contributions in our sole discretion; remove content that is excessive in size or burdensome to our systems; and otherwise manage the Services to protect our rights and property and facilitate proper functioning.

12. Privacy policy

We care about data privacy and security. Please review our Privacy Policy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. The Services are hosted in India and the United States — by continuing to use the Services from any other region, you consent to your data being transferred to and processed in India and the United States.

13. Term and termination

These Legal Terms remain in full force while you use the Services. We reserve the right, in our sole discretion and without notice or liability, to deny access to and use of the Services (including blocking IP addresses) to any person for any reason, including breach of any representation, warranty, or covenant in these Legal Terms or of any applicable law. We may terminate your use, delete your account, and remove any content you've posted at any time, without warning, in our sole discretion.

If we terminate or suspend your account, you are prohibited from registering a new account under your name, a fake or borrowed name, or a third party's name. We reserve the right to take appropriate legal action, including civil, criminal, and injunctive redress.

14. Modifications and interruptions

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason, without notice, and without obligation to update information. We are not liable for any modification, suspension, or discontinuance of the Services. We cannot guarantee the Services will be available at all times — hardware, software, or maintenance issues may cause interruptions, delays, or errors, and we have no liability for any loss, damage, or inconvenience caused by downtime or discontinuance.

15. Governing law

These Legal Terms are governed by the laws of India. You and LOREG irrevocably consent that the courts of India shall have exclusive jurisdiction to resolve any dispute arising in connection with these Legal Terms.

16. Dispute resolution

Informal negotiations

To expedite resolution and control costs of any dispute related to these Legal Terms (a "Dispute"), the parties agree to first attempt to negotiate any Dispute informally for at least thirty (30) days before initiating arbitration, commencing upon written notice from one party to the other.

Binding arbitration

If informal negotiation fails, the dispute shall be finally resolved by arbitration under the UNCITRAL Arbitration Rules in force at the time, with three (3) arbitrators. The seat of arbitration shall be Mumbai, India, proceedings shall be in English, and the governing law shall be the substantive law of India.

Restrictions

Arbitration shall be limited to the Dispute between the parties individually — to the fullest extent permitted by law, no arbitration shall be joined with another proceeding, and there is no right to arbitrate on a class-action basis or in a representative capacity.

Exceptions

Disputes not subject to informal negotiation or arbitration include: those seeking to enforce or protect, or concerning the validity of, intellectual property rights; disputes concerning theft, piracy, invasion of privacy, or unauthorized use; and claims for injunctive relief. If any part of this provision is found illegal or unenforceable, the affected Dispute shall instead be decided by a court of competent jurisdiction as listed above.

17. Corrections

The Services may contain typographical errors, inaccuracies, or omissions. We reserve the right to correct these and to change or update information on the Services at any time, without prior notice.

18. Disclaimer

The Services are provided on an as-is and as-available basis. Your use is at your sole risk. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We make no warranties about the accuracy or completeness of the Services' content or any linked websites/apps, and assume no liability for: errors, mistakes, or inaccuracies of content; personal injury or property damage resulting from your access to and use of the Services; unauthorized access to our servers or any personal/financial information stored there; any interruption or cessation of transmission to or from the Services; bugs, viruses, or similar transmitted by any third party; or errors, omissions, or losses resulting from content posted or made available via the Services. We do not endorse, guarantee, or assume responsibility for any product or service advertised by a third party through the Services or any linked website. Use your best judgment and exercise caution where appropriate.

19. Limitations of liability

In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, or loss of data, arising from your use of the Services, even if advised of the possibility of such damages. Our liability to you for any cause, regardless of the form of action, will at all times be limited to the amount, if any, paid by you to us. Some jurisdictions do not allow limitations on implied warranties or exclusion of certain damages, so some of the above may not apply to you.

20. Indemnification

You agree to defend, indemnify, and hold us harmless — including our subsidiaries, affiliates, and respective officers, agents, partners, and employees — from any loss, damage, liability, claim, or demand, including reasonable attorneys' fees, made by any third party due to or arising out of: your use of the Services; breach of these Legal Terms; breach of your representations and warranties; your violation of a third party's rights, including IP rights; or any harmful act toward another user you connected with via the Services. We reserve the right, at your expense, to assume exclusive defense of any matter subject to indemnification, and you agree to cooperate with our defense.

21. User data

We maintain certain data you transmit to the Services for managing performance, as well as data relating to your use of the Services. Although we perform regular routine backups, you are solely responsible for all data you transmit or that relates to any activity you undertake using the Services. We have no liability to you for any loss or corruption of such data, and you waive any right of action against us arising from such loss.

22. Electronic communications, transactions, and signatures

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and agree that electronic agreements, notices, disclosures, and other communications we provide satisfy any legal requirement that such communication be in writing. You agree to the use of electronic signatures, contracts, and records, and waive any rights or requirements under any law that requires an original signature or non-electronic record retention.

23. California users and residents

If a complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210 or (916) 445-1254.

24. Miscellaneous

These Legal Terms and any policies or operating rules posted by us constitute the entire agreement between you and us. Our failure to exercise or enforce any right or provision does not operate as a waiver of it. These Legal Terms operate to the fullest extent permissible by law, and we may assign our rights and obligations to others at any time. We are not responsible for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision is found unlawful, void, or unenforceable, it is severable and does not affect the remaining provisions. No joint venture, partnership, employment, or agency relationship is created between you and us as a result of these Legal Terms or your use of the Services.

25. Contact us

To resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at: