Terms of Service

Please read these Terms of Service carefully before using the Mentova platform. By using our service, you agree to be bound by these terms.

1. Acceptance of Terms

By accessing or using the Mentova web application ("Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Platform. Mentova reserves the right to modify these Terms at any time. Continued use of the Platform after changes constitutes acceptance of the updated Terms.

2. Description of Service

Mentova is a personalized education platform focused on finance, cryptocurrency, and blockchain. The Platform features Caufid, an AI-powered personal mentor that adapts to each user's level, goals, and learning pace. Mentova provides tools including but not limited to: structured learning modules, AI-powered tutoring with Caufid, market data visualization, educational quizzes and gamification, a community forum, and daily market briefings for VIP members.

3. User Accounts

You must create an account to access certain features of the Platform. You agree to provide accurate, current, and complete information during registration. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account. Mentova reserves the right to suspend or terminate accounts that violate these Terms.

4. VIP Membership

Mentova offers a VIP membership subscription ($21.99/month) that provides access to premium features including personalized memory with Caufid, chart analysis, market intelligence, personalized learning, daily briefings, and early access to new functionality. VIP subscriptions are billed on a recurring monthly basis through Stripe. You can cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period. No partial refunds are provided for unused portions of a billing period.

5. Educational Content

All content on the Platform, including Caufid's responses, learning modules, and market analyses, is strictly for educational purposes. Mentova does not guarantee the accuracy or completeness of any content. The Platform does not provide financial advice, investment advice, or trading signals. Users are solely responsible for any decisions they make based on information obtained through the Platform.

6. User Conduct

You agree not to: (a) use the Platform for any unlawful purpose; (b) post or transmit harmful, threatening, abusive, or hateful content; (c) impersonate any person or entity; (d) attempt to gain unauthorized access to the Platform or its systems; (e) use automated means to access the Platform without permission; (f) share your account credentials with third parties; (g) upload malicious software or content; (h) harass, bully, or intimidate other users. Violation of these rules may result in immediate account termination.

7. Intellectual Property

All content on the Platform, including but not limited to text, graphics, logos, software, and educational materials, is the property of Mentova and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without express written permission.

8. Payments and Refunds

All payments are processed securely through Stripe. Prices are displayed in USD. For VIP subscriptions, you may cancel at any time through your account settings. Refund requests must be submitted within 14 days to info@mentova-academy.com. Refunds are evaluated on a case-by-case basis.

9. Disclaimer and Financial Risk

IMPORTANT: All content provided through Mentova, including Caufid's responses, learning modules, and market analyses, is strictly for educational and informational purposes only. Nothing on this platform constitutes financial advice, investment advice, or trading advice. Cryptocurrency and financial markets involve significant risk, including the risk of total loss of capital. Past performance is not indicative of future results. You are solely responsible for your investment decisions. Mentova is not liable for any financial losses incurred as a result of using information obtained through the Platform.

10. Limitation of Liability

To the maximum extent permitted by law, Mentova shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill. Mentova's total liability for any claim arising from or related to the Platform shall not exceed the amount you paid to Mentova in the 12 months preceding the claim. The Platform is provided "as is" and "as available" without warranties of any kind.

11. Termination

Mentova may terminate or suspend your account and access to the Platform at any time, with or without cause, with or without notice. Upon termination, your right to use the Platform ceases immediately. Provisions that by their nature should survive termination shall remain in effect, including intellectual property rights, disclaimers, and limitations of liability.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Canada. Any disputes arising from these Terms or your use of the Platform shall be resolved through binding arbitration in accordance with Canadian arbitration rules.