Effective Date: [Insert Date]
Last Updated: [Insert Date]

Welcome to Sevluna (“Company,” “we,” “our,” or “us”). These Terms & Conditions govern your access to and use of [www.sevluna.com] (the “Website”) and any products, services, content, or digital materials offered.

By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, do not use the Website.

Sevluna provides:

• Digital educational products and downloadable content
   
• Credit-education and financial literacy materials
   
• Wellness, self-development, and informational content
   
• Salon studio business education, consulting, and creative resources
   
• Entertainment and inspirational content
   

All products sold on Sevluna are digital and intangible.

• All sales are final
   
• No refunds, exchanges, or chargebacks once access is granted
   
• You are responsible for ensuring the product meets your needs prior to purchase
   

Unauthorized sharing, resale, duplication, or redistribution is strictly prohibited.

All content provided by Sevluna is for:

• Educational purposes
   
• Informational purposes
   
• Entertainment purposes only
   

Nothing on this Website constitutes:

• Legal advice
   
• Financial advice
   
• Credit repair services
   
• Tax advice
   
• Medical or mental health advice
   

You acknowledge that you are solely responsible for your decisions, actions, and results.

Sevluna provides credit education and financial literacy, not credit repair or credit reporting services.

• We do not guarantee credit score improvements
   
• We do not promise deletions, outcomes, or specific results
   
• Results vary based on individual circumstances, creditor practices, and consumer actions
   

You are encouraged to consult licensed professionals for personalized advice.

Any salon studio or business-related content:

• Is educational and informational in nature
   
• Does not guarantee business success, profitability, or funding
   
• Does not replace professional legal, accounting, or business consulting
   

Use of this information is at your own risk.

You agree that you will not:

• Use content for unlawful purposes
   
• Share or resell digital products
   
• Misrepresent Sevluna content as professional advice
   
• Violate intellectual property rights
   
• Attempt to copy, scrape, or reproduce proprietary materials
   

All Website content is the exclusive property of Sevluna and protected under:

• U.S. Copyright Law
   
• Trademark Law
   
• International intellectual property treaties
   

You are granted a limited, non-transferable, revocable license for personal use only.

To the fullest extent permitted by law:

• Sevluna is not liable for direct or indirect damages
   
• We are not responsible for losses, disputes, or outcomes resulting from content use
   
• Products are provided “as is” without warranties of any kind
   

You agree to indemnify and hold harmless Sevluna from any claims, losses, damages, or expenses arising from your use of the Website or violation of these Terms.

These Terms are governed by the laws of the United States and the state in which Sevluna operates, without regard to conflict-of-law principles.

We reserve the right to update these Terms at any time. Continued use of the Website constitutes acceptance of changes.

Educational & Entertainment Purposes Only
The information provided by Sevluna is for general educational, informational, and entertainment purposes only.

• No content should be interpreted as legal, financial, medical, or professional advice
   
• No guarantees of outcomes, earnings, credit improvements, or business success are made
   
• You assume full responsibility for your use of the information
   

Always consult licensed professionals before making decisions related to finances, credit, health, or business.

All Sevluna content is intended solely for:

• Learning
   
• Skill-building
   
• Personal development
   
• General awareness
   

You acknowledge that:

• Results vary
   
• Success depends on individual effort and external factors
   
• Sevluna is not responsible for how information is applied
   

© [Year] Sevluna. All rights reserved.

All materials on this Website—including digital downloads, text, graphics, branding, layouts, videos, and educational content—are protected by copyright and trademark laws.
No portion may be copied, reproduced, distributed, sold, or exploited without prior written consent.

Sevluna respects intellectual property rights and complies with the Digital Millennium Copyright Act (DMCA).

If you believe content on our Website infringes your copyright, submit a written notice including:

1. Your full legal name and contact information
    
2. Identification of the copyrighted work
    
3. URL of the infringing material
    
4. A statement of good-faith belief
    
5. A statement, under penalty of perjury, that your claim is accurate
    
6. Your physical or electronic signature
    

Send notices to:
📧 DMCA Agent Email: [Insert Business Email]
📌 Subject Line: DMCA Notice – Sevluna

If you believe material was removed in error, you may submit a counter-notification in accordance with DMCA requirements.

Sevluna reserves the right to terminate access for users who repeatedly violate intellectual property laws.