Terms of
Service

The Kovalify paid community, together with any content, materials, channels, calls, and resources made available within it (the “Service”), is sold and provided by Kovalify Ltd, a company registered in Israel (“Kovalify”, “we”, “us”, “our”).

We sell the Service through Whop. Whop operates the checkout and processes payments; it is the merchant of record for payment settlement only. Whop is not the provider of the Service and is not responsible for it. We are the supplier, and we are solely responsible for the Service, its description, its delivery, and its support.

By purchasing, accessing, or using the Service, you confirm that you have read, understood, and agree to these Terms and to our Refund Policy, which forms part of this agreement. If you do not agree, do not purchase or access the Service.

You may purchase and use the Service only if you:

• are at least 18 years old and have the legal capacity to enter a binding contract;
• provide accurate registration and billing information and keep it current;
• are not located in, or a resident of, any country or territory subject to sanctions or trade restrictions that would make the sale unlawful; and
• are not barred from receiving the Service under any applicable law.

We may refuse, suspend, or terminate access where we reasonably believe any of the above is untrue.

The Service is access, for as long as your subscription remains active, to a private online community and to the materials we choose to make available within it. The Service is ongoing access, not a fixed deliverable and not a bespoke or one-to-one engagement unless we have agreed that separately in writing.

We may add, change, reorganise, or remove content, channels, features, and contributors at any time. Community content evolves; the specific materials available on the day you join are not guaranteed to remain available.

The Service is a recurring monthly subscription. By purchasing, you authorise Whop and its payment processors to charge your chosen payment method the then-current subscription fee, plus any applicable taxes, on each billing date until you cancel.

• Your subscription renews automatically at the end of each monthly billing period unless cancelled beforehand.
• Renewal is charged at the price in effect at the time of renewal. If we change the price, we will give you reasonable notice, and the new price applies from your next billing period — never retroactively.
• You are responsible for any taxes, bank charges, or currency conversion fees applied by your payment provider.
• If a payment fails, we may suspend or terminate your access without notice. Repeated failed payments may result in permanent removal.

You can cancel at any time from your Whop dashboard, under your list of active memberships. Cancellation takes effect at the end of the billing period you have already paid for.

Because access to the community and its materials is granted immediately upon payment, all sales are final and we do not provide refunds, including for unused or partially used subscription periods.

A small number of limited exceptions apply — some of them because the law requires it, and some because Whop retains authority to reverse a payment regardless of our policy. Those exceptions, and the process for raising a request, are set out in full in our Refund Policy, which is incorporated into these Terms by reference.

If you believe something has gone wrong with a charge, contact us first at support@koval.live. Most issues are resolved quickly and directly.

Initiating a chargeback or payment dispute without first contacting us is a breach of these Terms. Where that happens, we may:

• terminate your access immediately and without refund;
• submit evidence of your purchase, acceptance of these Terms, and access to and activity within the community to the card network or payment provider in order to contest the dispute;
• recover from you any fees, costs, or penalties we incur as a result; and
• decline to provide you with any product or service in future.

None of the above limits any legal right you have to dispute a charge that is genuinely fraudulent or unauthorised.

We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to access the Service for your own individual use while your subscription is active.

• Your access is for one person. Accounts are not shared, transferred, resold, or used by teams unless we have agreed otherwise in writing.
• Do not share your login credentials, invite links, or access tokens with anyone.
• You are responsible for all activity that occurs under your account.

Sharing access is a material breach and may result in termination without refund.

While using the Service, you agree not to:

• harass, abuse, threaten, defame, or discriminate against any member or contributor;
• post spam, advertise, solicit, or promote other products or services without our prior written permission;
• use the Service for any unlawful purpose, or in breach of the rules of any platform through which it is delivered;
• record, screenshot, transcribe, scrape, or otherwise capture community content, calls, or materials for redistribution;
• impersonate any person, or misrepresent your affiliation with us; or
• attempt to gain unauthorised access to any part of the Service, or interfere with its operation.

We may remove content, issue warnings, restrict participation, or terminate access for any breach of this section, at our reasonable discretion and without refund.

All content we make available through the Service — including documents, recordings, templates, frameworks, and written material — remains our property or that of our licensors. Your subscription buys access, not ownership, and grants no right to reproduce, redistribute, resell, publish, or create derivative works from that content.

Discussions inside the community are shared in confidence. Do not republish, forward, or attribute another member’s contributions outside the community without their consent.

Anything you post inside the community remains yours. By posting it, you grant us a non-exclusive, royalty-free licence to host, display, and distribute it within the Service for the purpose of operating the community.

The Service is educational and informational in nature. Nothing within it constitutes financial, investment, trading, legal, tax, accounting, or other professional advice, and nothing within it is a recommendation to enter into any transaction.

Outcomes depend on factors outside our control, including your own skill, effort, experience, resources, timing, and market conditions. You are solely responsible for your own decisions and for any risk you choose to take. You should seek advice from a suitably qualified, independent professional before acting on anything you encounter in the community, and you are responsible for complying with all laws and platform rules that apply to you.

The Service is delivered through third-party platforms, including Whop and the communications platform hosting the community. We do not own or control those platforms.

Outages, changes, restrictions, account suspensions, or discontinuation by a third-party platform are outside our control. Such events do not constitute a failure to provide the Service and do not entitle you to a refund. If you are suspended or banned by a third-party platform for reasons unrelated to us, we may be unable to provide you with access, and no refund is due in those circumstances.

We may suspend or terminate your access immediately, without notice and without refund, if you breach these Terms, if we reasonably suspect fraud or abuse, or if required by law or by a platform we depend on.

We may also discontinue the Service generally. If we do, we will stop billing you from that point onward. Amounts already paid are not refundable except where required by law or as set out in the Refund Policy.

You may stop using the Service at any time by cancelling as described in section 6.

To the fullest extent permitted by law, the Service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or continuously available.

Nothing in this section excludes or limits any warranty or right that cannot lawfully be excluded or limited.

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary loss, or for any loss of profit, revenue, opportunity, goodwill, data, or anticipated savings, however caused.

Our total aggregate liability arising out of or in connection with the Service, whether in contract, tort (including negligence), or otherwise, is limited to the total amount you actually paid us in the three (3) months immediately preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited — including any non-waivable rights you may have as a consumer.

You agree to indemnify and hold harmless Kovalify Ltd, its officers, employees, and contractors against any claim, liability, loss, or cost (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Service, or your infringement of any third-party right.

We may update these Terms from time to time. The current version is always published at koval.live/terms with its effective date shown at the top. Where a change is material, we will take reasonable steps to notify active subscribers in advance.

Changes apply from their effective date. Continuing to use the Service, or allowing your subscription to renew, after that date constitutes acceptance. If you do not accept a change, cancel before your next renewal.

These Terms, and any dispute or claim arising out of or in connection with them, are governed by the laws of Israel, without regard to conflict-of-law rules. You and we submit to the exclusive jurisdiction of the competent courts of Tel Aviv-Yafo, Israel.

If you are a consumer, this does not deprive you of the protection of any mandatory provisions of the law of your country of residence that cannot be derogated from by agreement.

• If any provision of these Terms is found unenforceable, the remainder continues in full force, and the unenforceable provision is applied to the maximum extent permitted.
• Our failure to enforce any provision is not a waiver of our right to enforce it later.
• These Terms, together with the Refund Policy, are the entire agreement between you and us regarding the Service, and supersede any prior discussions or representations.
• You may not assign or transfer your rights under these Terms. We may assign ours in connection with a merger, acquisition, or sale of assets.
• We are not liable for any failure or delay caused by events beyond our reasonable control.

Questions about these Terms, and all legal notices, should be sent to support@koval.live. We aim to respond to written enquiries within 5 working days.

Kovalify Ltd · Registered in Israel