Career Fin - Terms and Conditions

1. Introduction

Welcome to Career Fin, a service operated by Diskarte Labs LLC ("we," "us," "our," or "Company"). Career Fin is a career development platform designed to help professionals build career capital through personalized tasks, programs, and resources.

By accessing or using our website, mobile applications, or any other services provided by Career Fin (collectively, the "Services"), you agree to be bound by these Terms and Conditions ("Terms"). Please read these Terms carefully before using our Services. If you do not agree to these Terms, you may not access or use our Services.

2. Definitions

• "User," "you," or "your" refers to any individual or entity that accesses or uses our Services.
• "Content" refers to all text, images, audio, video, software, data compilations, and other materials that are available through our Services.
• "User Content" refers to any content that you submit, post, or transmit through our Services, including profile information, task entries, program creations, and feedback.
• "Career Capital" refers to the valuable assets in your career, including skills, domain knowledge, personal brand, network, and financial capabilities.

3. Account Registration and Security

3.1 Account Creation

To use certain features of our Services, you must register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to immediately notify us of any unauthorized use of your account or any other breach of security.

3.3 Age Restrictions

You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you are at least 18 years old.

4. Subscription Services

4.1 Subscription Plans

Career Fin offers various subscription plans that provide access to premium features and content. Details about our subscription plans, including pricing information, are available on our website.

4.2 Free Trial

We may offer a free trial period for our subscription services. If you do not cancel your subscription before the end of the trial period, you will be charged for the subscription plan you selected.

4.3 Billing and Renewal

When you purchase a subscription, you authorize us to charge your chosen payment method for the subscription fee plus any applicable taxes and fees. Subscriptions automatically renew for the same subscription period unless you cancel your subscription before the renewal date.

4.4 Cancellation

You may cancel your subscription at any time through your account settings or by contacting us. If you cancel your subscription, you will continue to have access to the subscription services until the end of your current billing period, but you will not receive a refund for the current billing period.

5. User Conduct

5.1 Prohibited Conduct

You agree not to:

• Use our Services in any way that violates any applicable law or regulation
• Use our Services for the purpose of exploiting, harming, or attempting to exploit or harm minors
• Impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of our Services
• Use our Services in any manner that could disable, overburden, damage, or impair our Services
• Use any robot, spider, or other automatic device, process, or means to access our Services for any purpose
• Use our Services to transmit or send unsolicited or unauthorized advertising or promotional materials
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of our Services
• Attack our Services via a denial-of-service attack or a distributed denial-of-service attack

5.2 Content Guidelines

Any User Content you post to our Services must comply with the following guidelines:

• It must not be illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties
• It must not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam"
• It must not be false, misleading, or designed to manipulate, disrupt, or violate the integrity of our Services

6. Intellectual Property Rights

6.1 Our Intellectual Property

All content included on or in our Services, such as text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of the Company or its content suppliers and is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.

6.2 License to Use Our Services

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Services for your personal, non-commercial use.

6.3 User Content License

By posting, uploading, or otherwise submitting User Content to our Services, you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content in any media. You represent and warrant that you own or control all rights in and to the User Content and have the right to grant the license granted above.

7. Privacy

7.1 Privacy Policy

Our Privacy Policy, which is incorporated by reference into these Terms, explains how we collect, use, and disclose information about you. By using our Services, you consent to our collection, use, and disclosure of information as described in our Privacy Policy.

7.2 Data Usage for Personalization

We may collect and analyze user data to improve and personalize our Services. This may include tracking your interactions with our Services, analyzing usage patterns, and using this information to provide personalized recommendations and experiences. You acknowledge and agree that we may use your data for these purposes in accordance with our Privacy Policy.

8. Disclaimers and Limitations of Liability

8.1 Disclaimer of Warranties

Our services are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our services will be uninterrupted or error-free, that defects will be corrected, or that our services or the servers that make them available are free of viruses or other harmful components.

8.2 Career Advice Disclaimer

Career Fin provides information and tools designed to help you develop your career capital. However, we do not guarantee any specific career outcomes or results from using our Services. The success of your career development depends on various factors, including your own efforts, market conditions, and individual circumstances.

8.3 Limitation of Liability

In no event will the company, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, our services, including any direct, indirect, special, incidental, consequential, or punitive damages, including but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.

8.4 Exclusions

Some jurisdictions do not allow the exclusion of warranties or the limitation or exclusion of liability for certain types of damages. Accordingly, some of the above limitations and disclaimers may not apply to you. To the extent that we may not, as a matter of applicable law, disclaim any implied warranty or limit our liabilities, the scope and duration of such warranty and the extent of our liability will be the minimum permitted under such applicable law.

9. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its affiliates, and their respective officers, directors, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of our Services, including, but not limited to, your User Content, any use of our Services' content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from our Services.

10. Termination

10.1 Termination by Us

We may terminate or suspend your account and access to our Services immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach these Terms.

10.2 Termination by You

You may terminate your account at any time by discontinuing use of our Services and deleting your account.

10.3 Effect of Termination

Upon termination, your right to use our Services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

11. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use our Services.

12. General Provisions

12.1 Governing Law

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the state where Diskarte Labs LLC is registered, without giving effect to any choice or conflict of law provision or rule.

12.2 Dispute Resolution

Any legal action or proceeding arising out of or relating to these Terms or our Services shall be exclusively brought in the courts located in the state where Diskarte Labs LLC is registered, and you hereby consent to the personal jurisdiction and venue of such courts.

12.3 Waiver and Severability

No waiver by the Company of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

12.4 Entire Agreement

These Terms, our Privacy Policy, and any other agreements expressly incorporated by reference herein, constitute the sole and entire agreement between you and the Company with respect to our Services and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to our Services.

12.5 Assignment

These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by the Company without restriction.

12.6 Contact Information

Questions about the Terms should be sent to us at support@careerfin.com.

By using Career Fin, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

© 2025 Diskarte Labs LLC dba Career Fin. All rights reserved.