TERMS AND CONDITIONS

Welcome to The Karma Vault. By accessing or using our website, services, or products, you agree to the following terms:

1. Use of Website

You agree to use this site, its content, and any associated tools or materials lawfully and respectfully. You may not copy, reproduce, redistribute, reverse engineer, or exploit any part of our content for commercial purposes without written permission.

2. Intellectual Property

All content provided through The Karma Vault — including newsletters, templates, guides, tools, digital products, and videos — is the intellectual property of The Karma Vault. These materials are licensed for personal use only and may not be shared, resold, or repurposed.

3. Memberships and Purchases

All purchases, including membership subscriptions, are final. You may cancel your Premium Plan at any time to avoid future billing. Refunds are not issued for previous billing periods or unused time.

4. Use of Digital Products

Our tools and digital resources are designed to support education and strategy. They are not guarantees of results. You agree to use them responsibly and acknowledge that success depends on your own effort, application, and judgment.

5. Community Participation

We maintain respectful, value-driven community spaces. Any form of spamming, unsolicited promotion, misinformation, or disrespectful behavior in our Telegram or private groups may result in immediate removal without refund or warning.

6. Legal Jurisdiction

These terms are governed by applicable local laws. Any legal disputes related to The Karma Vault will be resolved in the appropriate courts in our operating jurisdiction.