Legal

SkillNova

Date Modified

March 2, 2025

Other Policies

Subscription Terms

Please read these Subscription Terms thoroughly and carefully. The purpose of these Subscription Terms is to establish the terms and conditions under which you obtain access to the investment learning materials. Should you have any questions, don’t hesitate to contact us through the Support Center.

These Subscription Terms are incorporated by reference in the Terms and Conditions of SkillNova™ (“SkillNova”, or “us”), and form part of the agreement between you, as a user of the website www.skillnova.io (“Website”) or the SkillNova app available on the App Store (“App”), and SkillNova.

1. Trial

We may offer a paid trial subscription for services provided through the Website and/or the App.
Unless you cancel at least 24 hours before the end of the trial, you will be automatically charged the price indicated on the payment screen for the chosen subscription period, and the trial will be converted into a subscription.

2. Subscription

The subscription renews automatically at the end of each period (4 weeks, 12 weeks, or otherwise, depending on the option selected by you at the time of purchase) until you cancel.

3. Payment Method

Payment will be charged to the payment method you submitted at the time of purchase.
You authorize us to store your payment data to the extent necessary to provide our services and to automatically charge the applicable fees to the payment method you submit.

4. Cancellation

Canceling your trial or subscription means that the automatic renewal will be disabled, but you will still have access to all your subscription features for the remaining time of the then-current period. Note that deleting the app does not cancel your subscriptions.

If you purchased a subscription or enabled a trial on the App Store:

You can cancel a trial or subscription at any time by turning off auto-renewal through your Apple ID account settings.
To avoid being charged, cancel the subscription in your Apple ID account settings at least 24 hours before the end of the free trial or current subscription period.
You alone can manage your subscriptions. Learn more about managing subscriptions (and how to cancel them) on the Apple support page.

If you purchased a subscription or enabled a trial on Google Play:

You can cancel a trial or subscription at any time by turning off auto-renewal through your Google Play account settings.
To avoid being charged, cancel the subscription in your account settings at least 24 hours before the end of the trial or current subscription period.
You alone can manage your subscriptions. Learn more about managing subscriptions (and how to cancel them) on Google’s support page.

If you purchased a subscription or enabled a trial on our Website:

To avoid being charged, cancel your subscription before the end of the then-current period.
You may cancel your subscription purchased on our Website in your profile. Below are several options (which may change from time to time) on how to initiate cancellation of a web subscription:
- If you have an iOS device:
  Open the SkillNova app, go to your profile, and select Subscription. From here, you will be directed to subscription settings and will be able to turn it off.
- If you have an Android device:
  Open the SkillNova app, go to your profile, and select My Subscription. From here, you will be directed to subscription settings and will be able to turn it off.
- Don’t have the app?
  Open your web profile page and go to subscription settings. From there, you will be directed to subscription settings and can turn off auto-renewal.
Canceling your subscription disables automatic renewal, but you will retain access to all subscription features for the remaining time of the current period.

5. Changes

To the maximum extent permitted by applicable laws, we may change subscription fees at any time.
We will give you reasonable notice of any such pricing changes by posting the new prices on the App and/or by sending you an email notification, or via another prominent method.
If you do not wish to pay the new fees, you can cancel the applicable subscription before the change goes into effect.

6. Refunds

These refund rights and conditions apply in addition to any refund rights available to you under applicable law. If you are unsure whether you have a right to a refund, please contact our support team at the email address below, and we will work with you to find the best solution.

A. If you purchased a subscription or enabled a trial on the App Store:

If you are eligible for a refund under Apple’s refund policy, please request it directly from Apple—they manage all refunds. Please follow the instructions on the Apple support page to request a refund.

B. If you purchased a subscription or enabled a trial on our Website:

If you made a purchase directly on our Website and the money-back option (“Money-back guarantee”) was presented during checkout, you are eligible for a voluntary refund provided that:
- You contact us within 30 days of your initial purchase and before the end of your first subscription period.
- The following conditions are met based on your activated plan:
  - 1-week plan: You have used the app for more than 3 consecutive days and completed at least 2 guides with lessons or at least 70% of all available modules.
  - 4-week plan: You have used the app for more than 7 consecutive days and completed at least 4 guides with lessons or at least 80% of all available modules.
  - 12-week plan: You have used the app for more than 10 consecutive days and completed at least 4 guides with lessons or at least 80% of all available modules.
- To verify your progress, please provide screenshots from the app.
- You can view your current plan in the Subscription settings in your profile.
- Once you contact us through the Support Center, we will review your application and notify you by email regarding its approval.

6.1. Important Statement

Only full fulfillment of all the above requirements qualifies you for a complete voluntary refund under the Money-back guarantee.
The Money-back guarantee does not apply to:
- Personal reasons: For example, if you don’t like the product or it did not meet your expectations.
- Financial reasons: For example, if you did not expect to be charged, that the trial would convert to a subscription, or that the subscription would automatically renew.
You may still cancel your subscription without receiving a voluntary refund by contacting us through the Support Center.

6.2. Note for EU Residents

If you are an EU resident, you have the right to withdraw from the agreement for the purchase of digital content without charge and without giving any reason within fourteen (14) days from the date of the agreement.
The right of withdrawal does not apply if the performance of the agreement has begun with your prior express consent and you acknowledge that you thereby lose your right of withdrawal.
YOU HEREBY EXPRESSLY CONSENT TO THE IMMEDIATE PERFORMANCE OF THE AGREEMENT AND ACKNOWLEDGE THAT YOU WILL LOSE YOUR RIGHT OF WITHDRAWAL ONCE OUR SERVERS VALIDATE YOUR PURCHASE AND THE APPLICABLE PURCHASE IS SUCCESSFULLY DELIVERED TO YOU.
Therefore, unless the Website and/or the App is defective, you will not be eligible for a refund on digital content, and you will only be eligible for a proportional refund on digital services.

We understand that legal texts can be lengthy and complex, but we have made every effort to present our subscription terms in a clear and understandable manner. If you have any questions after reviewing these terms, please contact us through the Support Center.

Please take a screenshot of this information for your reference. It may help you manage your subscriptions.

LAST UPDATED: SEPTEMBER 14, 2023

Contact Us

Cyclops Net Inc
2140 S Dupont Highway
Camden, DE 19934

Email: support@skillnova.io

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Terms and Conditions

Welcome to SkillNova! We've simplified our Terms and Conditions to make them more user-friendly. Please take a moment to read these terms, as they form the agreement between you, as a user of SkillNova, and us, as the provider of SkillNova services.

1. Who We Are

SkillNova™, operated by Cyclops Net Inc, is a company registered at 2140 S Dupont Highway, Camden, DE 19934 (and/or its affiliates or authorized representatives/resellers) (“we”, “us”, “our” or the “Company”). Our aim is to provide you with valuable learning materials and related services through our website, www.skillnova.io (“Website”) or through designated platforms.

2. Agreement Overview

Acceptance:
By using our product SkillNova (“Service”), you agree to abide by these Terms and Conditions (referred to as the "Terms" or the "Agreement").
Incorporation of Other Terms:
Our Privacy Terms and Subscription Terms are incorporated herein by reference and form part of these Terms.
Translations:
Any translation of these Terms from the English version is provided for your convenience only. The English version of these Terms is always available at https://legal.skillnova.io/terms. In case of any discrepancies, the English version will prevail.

3. Eligibility

User Requirements:
To use SkillNova, you must be at least 16 years old and have the legal capacity to enter into an agreement. If you are under 18, you must obtain your parent's permission.
Non-Acceptance:
If you do not agree with any part of these Terms or are not eligible to use our Services, please do not access any part of our Service.

4. What We Offer

SkillNova provides a range of educational materials, including articles, investment reading materials, test questions, and an AI Chat feature for educational purposes. All these materials and services are collectively referred to as “Digital Content.”

Access Requirements:
- Access to the Digital Content and the SkillNova Service is available only after registering.
- Registration requires selecting and paying for an introductory offer (trial) or a subscription plan (e.g., 4 weeks, 12 weeks, etc.) at the time of purchase.
Additional Offers:
After purchase and while using the Service, you may be offered additional paid features. Please review any offers carefully.

5. AI Chat Mentor

Access to AI Chat:
While using our Service, you will have access to a Mentor chat powered by Artificial Intelligence (referred to as "AI Chat"). This feature is implemented for educational purposes only and is not intended to provide investment advice.
Content Regulation:
- Input and Output:
  When using AI Chat, the information you provide (“Input”) will generate responses (“Output”). Together, the Input and Output are referred to as "Content."
- Ownership and Rights:
  You own your Input, and we assign you all rights permitted by law on the Output. However, we may use this Content to improve our services. You can opt out of such use by contacting us.
Nature of AI Content:
Due to the nature of machine learning, Output may not be unique across users; similar or identical responses may be generated for different users. Only responses generated specifically for you are considered your Content.

6. Subscription Plans

A. What We May Offer

Based on the option selected at the time of purchase, SkillNova may offer you:

Introductory Offer:
- A short-term offer providing limited access to basic features and content.
- Typically designed for new users to try out the platform.
- Cancellation: You can cancel the introductory offer 24 hours before it ends. If you do not cancel, it automatically converts into a subscription, and you will be charged the full subscription price without further notice.
Subscription Plan:
- An arrangement granting ongoing access to the Service for a specified period (e.g., 4 weeks, 12 weeks, etc.) after payment.
- Subscription plans automatically renew at the end of each period.
- Cancellation: You may cancel anytime 24 hours before the current billing period ends via your account settings.
Additional Paid Features:
- Optional functionalities or services offered in addition to the introductory offer or subscription plan, available on a subscription or one-time purchase basis.

B. Important Pricing Notes

Renewal Pricing:
Some offers may renew at the full, non-discounted price. Please read the terms of your chosen plan carefully.
Price Changes:
- Prices and the amount of Digital Content provided through your plan may change from time to time by territory, with no obligation on SkillNova to provide clear notice (except where required by law).
- We will give reasonable notice of any price change by posting the new prices on the Website, via notification, or another prominent method.
- If you do not agree with the new price, please cancel your subscription before the new pricing applies.

7. Billing and Cancellation

A. Billing

Payment Methods:
- SkillNova bills for its services through PayPal and other payment providers (e.g., Visa, Mastercard, etc.).
- The applicable fees will be charged to the payment method you submit at the time of purchase. Confirmation may be obtained via single-touch identification, facial recognition, or by entering your payment details on the website.
- You authorize us to store your payment methods and automatically charge the subscription fees for renewal.
Automatic Renewal:
- The auto-renewal period will match your initial subscription period unless otherwise disclosed.
- The renewal rate will not exceed the rate of the prior period, excluding promotional pricing, unless notified beforehand.
- Payment dates may vary if your payment method fails or you change your subscription plan. To view your next payment date, please visit the “Subscription” link on the “Account” page of the Website.

B. Cancellation and Refunds

Cancellation Procedures:
- Cancel your subscription in accordance with the cancellation procedures provided at the time of purchase and detailed in the Subscription Terms.
Refunds:
- Please refer to the Subscription Terms to determine whether you are eligible for a refund.
- SkillNova may also cancel subscriptions and provide refunds at its discretion, subject to the Subscription Terms.

8. Data Protection

Data Handling:
We collect, store, and process your data in accordance with our Privacy Policy.
Consent:
By using our Service, you agree to such collection, storage, and processing for the purposes described in the Privacy Policy.

9. Use of Information and Intellectual Property

Ownership:
All information, text, images, graphics, logos, compilations (i.e., the arrangement or assembly of information), data, and other content available on our Website is the property of SkillNova or third parties.
License:
You are granted a non-exclusive license to use the Service for personal, non-commercial purposes only.
User Content:
- The information you provide when signing up (“User Content”) remains your property.
- We do not obtain proprietary rights over your User Content; however, we may retain copies of registration and User Content as necessary to operate the Service.
Intellectual Property Infringement:
If you believe your intellectual property rights have been violated, please contact us via the Support Center. We may request additional information and may delete or disable infringing content or terminate accounts of repeat infringers.

10. Third-Party Ads

Links and Advertisements:
Our Service may contain links to third-party websites and advertisements for third-party products or services.
Disclaimer:
- SkillNova is not responsible for these third-party ads; you use them at your own risk.
- When you click on a third-party link, the third party’s terms and conditions will apply.
- You release SkillNova, its officers, employees, agents, and successors from any claims or losses related to such third-party ads.

11. Compliance

Applicable Law:
The Services are provided in accordance with the laws of the United States.
Jurisdiction:
If you use the Services from a jurisdiction outside of the United States, you do so at your own risk and are responsible for complying with any applicable local laws.

12. Copyright Statement

Ownership:
All materials, logos, and other content on the SkillNova platform are copyrighted by SkillNova.
Redistribution:
Any redistribution or reproduction of any part of the Services or Digital Content is prohibited unless written permission is obtained from SkillNova.

13. User Representations and Restrictions

A. Representations and Warranties

By using the Service, you represent and warrant that:

You have the legal capacity to enter into these Terms.
You are not under the age of 16.
You will not access the Service through automated or non-human means (e.g., spiders, robots, cheat utilities, scrapers, or offline readers).
You will not use the Service for any illegal or unauthorized purpose.
You are not located in a country subject to a U.S. government embargo or designated as a “terrorist supporting” country.
You are not listed on any U.S. government list of prohibited or restricted parties.
Your use of the Service will not violate any applicable law or regulation.
If any information you provide is untrue, inaccurate, not current, or incomplete, we reserve the right to refuse current or future use of the Service.

B. Restrictions

As a user of the Service, you agree not to:

Systematically retrieve data or content from the Service to create a compilation, database, or directory without written permission.
Modify, adapt, improve, enhance, translate, or create derivative works of the Service.
Use the Service to create a competing product, service, or software.
Circumvent, disable, or interfere with security features of the Service.
Engage in unauthorized framing of or linking to the Service.
Decipher, decompile, disassemble, or reverse engineer any software associated with the Service.
Attempt to bypass any measures designed to restrict access to the Service.
Send automated queries or unsolicited commercial emails using the Service.
Disparage, tarnish, or harm SkillNova or the Service.
Use the Service in any manner inconsistent with applicable laws or regulations.
Otherwise infringe upon these Terms.

14. Disclaimers of Warranties and Liabilities

A. Information on the Service

Any statements or information posted on the Service are for informational and educational purposes only.
They are not intended to replace professional financial, legal, or other advice.

B. Advice

SkillNova does not provide investment or financial advice or advocate the purchase or sale of any security or investment via the Service.

C. Expectations

There is no guarantee that the Digital Content will meet your needs or requirements.
The Service may not be appropriate for all users and is not a substitute for professional advice.

D. Results and Capital Risk

We do not guarantee any level of success; results will vary based on individual factors.
SkillNova is solely an educational platform—you cannot invest with us. If you decide to invest independently, you assume all risks of capital loss and variable income.

E. Representations

SkillNova makes no representations or warranties, express or implied, regarding your reliance on any information provided through the Service.
We disclaim liability for any loss, damage, or injury resulting from the use of Service information.
SkillNova will not be liable for any indirect, consequential, special, incidental, punitive, or exemplary damages resulting from your use (or inability to use) the Service.

15. Limitation of Liability

In no event shall SkillNova (and our affiliates) be liable to you or any third party for any lost profits or any indirect, consequential, exemplary, incidental, special, or punitive damages arising from these Terms or your use of the Service (including Digital Content, User Content, or third-party ads), even if we have been advised of the possibility of such damages.
Access to and use of the Service are at your own risk.
Notwithstanding anything to the contrary, the aggregate liability of SkillNova for all claims arising from your use of the Service is limited to the amounts you have paid for access to and use of the Service.
Some jurisdictions do not allow the exclusion or limitation of liability for incidental or consequential damages; therefore, these limitations may not apply to you, and you may have additional legal rights.

16. Indemnification

In no event will SkillNova be liable for any loss, damage, or injury (including indirect, consequential, special, incidental, or punitive damages) arising from your use of the Services or any decision made in reliance on information provided therein.
By using the Services, you agree to indemnify, defend, and hold harmless SkillNova, its successors, subsidiaries, affiliates, and their respective officers, directors, employees, agents, and representatives from any claims, liabilities, or expenses (including reasonable attorneys’ fees) arising out of:
- (i) your use of the Service or Digital Content,
- (ii) your User Content,
- (iii) your violation of these Terms.

17. Dispute Resolution and Class Action Waiver

PLEASE REVIEW THIS SECTION CAREFULLY. THESE PROVISIONS GOVERN HOW DISPUTES BETWEEN YOU AND SKILLNOVA ARE ADDRESSED AND INCLUDE A MANDATORY PRE-ARBITRATION INFORMAL DISPUTE RESOLUTION PROCESS, CLASS ACTION WAIVER, AND JURY TRIAL WAIVER.

17.1. Applicability of Arbitration Agreement

This Arbitration Agreement governs any dispute between you and SkillNova (and our respective agents, corporate parents, subsidiaries, affiliates, predecessors, successors, and assigns) related to any aspect of our relationship. This includes claims arising before or after these Terms, except that either party may seek equitable relief in court for intellectual property rights infringements.

17.2. Initial Informal Dispute Resolution Process

Objective:
We believe most disputes can be resolved quickly and cost-effectively without resorting to arbitration.
Procedure:
- Before seeking arbitration, you and SkillNova agree to attempt to resolve any disputes informally.
- You may contact our Support service at support@skillnova.io or via the Support Center.
Mandatory Pre-Arbitration Notice:
If disputes are not resolved informally, the aggrieved party (“Claimant”) must send a formal written notice (the “Notice”) including:
- Full name and contact details (including account identifier, if applicable)
- A detailed description of the dispute
- A description of damages and recovery requests (if applicable)
- A signed statement verifying the accuracy of the information
Submission:
All Notices must be sent by certified mail to:
Georgiou A, 83, Shop 17, Potamos Germasogeias 4047, Limassol, Republic of Cyprus
with a copy also sent by email to legal@skillnova.io.
Negotiation Period:
After receipt, both parties agree to negotiate in good faith for 40 days. SkillNova may request an online conference to discuss the dispute.
Failure to Resolve:
If no agreement is reached within 40 days, either party may initiate arbitration.

17.3. Arbitration Agreement

Binding Arbitration:
If an agreement is not reached, you and SkillNova agree to binding individual arbitration as the exclusive dispute resolution method (except where prohibited by law).
Governing Rules:
Arbitration will be governed by the rules of the National Arbitration and Mediation (“NAM”) as modified by this Agreement.
Alternative Administrator:
If NAM is unavailable or unwilling to administer the arbitration, an alternative provider will be selected by mutual agreement or by a court.

17.4. Arbitration Proceedings

Commencing Arbitration:
- A party intending to seek arbitration must send a written “Demand for Arbitration” to NAM detailing:
  1. Name, contact information, and account username (if applicable)
  2. Statement of legal claims and factual basis
  3. Description of the remedy sought and amount in controversy (in U.S. Dollars)
  4. Certification of completion of the Informal Dispute Resolution process
  5. Evidence of any required filing fee payment
- If represented by counsel, include counsel’s contact details and signature.
Submission Requirements:
If you submit a Demand for Arbitration to NAM, within 7 days you must also send it to SkillNova at the address provided above using an international courier with tracking.
Additional Details:
The arbitration will be conducted in English, may be held in person, via telephone, videoconference, or by written submissions, and will be subject to streamlined procedures to reduce costs.
Authority and Award:
The arbitrator has exclusive authority to resolve any dispute. The arbitration award will be in writing, confidential, and binding on the parties.
Fees:
NAM fees and costs will be governed by NAM Rules, with each party bearing its own attorneys’ fees unless determined otherwise.

17.5. Class Action Waiver and Jury Trial Waiver

Waiver:
To the fullest extent permitted by law, you and SkillNova waive the right to a jury trial and agree to resolve disputes individually through arbitration.
Class Action:
You further waive any right to file or participate in a class, collective, representative, consolidated, or private attorney general action.
Limitation:
The arbitrator may only award final relief to the individual party seeking it.

17.6. Reciprocal; Survival

Reciprocity:
This dispute resolution section is reciprocal and will not be construed against the drafting party.
Severability:
If any provision is unenforceable, it will be severed, and the remaining provisions will remain in effect.
Survival:
This Arbitration Agreement will survive any termination of your use of the Services.

18. Miscellaneous

Service Modifications:
We may update or change the Service or its information without notice. Certain delays may occur due to circumstances beyond our control.
Discontinuation:
We may modify or discontinue the Service (or any part thereof) at any time, temporarily or permanently, at our sole discretion without liability.

19. Changes

Amendments:
We may change these Terms from time to time, particularly when there are legislative or business changes.
Notification and Acceptance:
- We may notify you of critical changes; if you continue to use the Service after any changes, it means you have accepted the new Terms.
- If you receive a notice regarding changes, you will have 14 days to object or opt out. If no objection is received within this period, the changes will be deemed accepted.

Contact Us

For any questions or concerns regarding these Terms, please reach out to our Support Service via the Support Center or use the contact information below:

Company: Cyclops Net Inc
Address: 2140 S Dupont Highway, Camden, DE 19934
Email: support@skillnova.io

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Privacy Policy Details

This Privacy Policy explains what personal data is collected when you use the SkillNova Website located at https://quiz.skillnova.io/ (the “Website”) and the services and digital products provided through it (the “Service”), and how such personal data will be processed.

BY USING THE SERVICE, YOU PROMISE US THAT:
(I) YOU HAVE READ, UNDERSTOOD, AND AGREE TO THIS PRIVACY POLICY, AND
(II) YOU ARE OVER 16 YEARS OF AGE (OR HAVE HAD YOUR PARENT OR GUARDIAN READ AND AGREE TO THIS PRIVACY POLICY FOR YOU).
If you do not agree or are unable to make this promise, you must not use the Service. In such cases, you must:

(a) Contact us to request deletion of your data
(b) Cancel any subscriptions using the instructions provided on the Website
(c) Leave the Website and refrain from accessing or using it
Key Definitions:
- “GDPR” means the General Data Protection Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data.
- “EEA” includes all current member states of the European Union and the European Economic Area. (For this policy, the EEA includes the United Kingdom of Great Britain and Northern Ireland.)
- “Process” in respect of personal data means to collect, store, and disclose to others.

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1. Personal Data Controller

SkillNova is operated by Cyclops Net Inc.
Legal Address:
2140 S Dupont Highway
Camden, DE 19934

Cyclops Net Inc is the controller of your personal data.

2. Categories of Personal Data We Collect

We collect data in two main ways:

A. Data You Provide Voluntarily

Examples:
- Age, gender, email address, financial status, and responses to financial mindset questions.

B. Data Collected Automatically

Device and Location Data:
- Language settings, IP address, time zone, device type and model, device settings, operating system and version.
Usage Data:
- Interactions with our Service (e.g., clicks, taps, features used, time spent on the Service, subscription orders).
Transaction Data:
- Payment-related information (excluding full credit card numbers) such as transaction date, time, amount, and payment method.
Cookies and Tracking Pixels:
- Small text files and tracking pixels are used for record-keeping, session management, and targeted advertising.

3. Purposes for Processing Your Personal Data

We process your personal data to:

Provide Our Service:
- Ensure seamless Service operation and to address technical issues.
- Host personal data using third-party services (e.g., Amazon Web Services).
Manage Your Account and Customer Support:
- Respond to technical support requests and communicate important notifications (e.g., security alerts, payment transactions, changes to our Terms or this Privacy Policy).
Communicate with You:
- Send emails about the Service, critical updates, and special offers.
- Use services like FreshDesk for in-Service communication.
Research and Analyze Service Usage:
- Enhance our Service through statistical and operational analysis using tools like Google Analytics and Amplitude.
Send Marketing Communications:
- Add your email address to our marketing list (with your consent or based on legal basis) to share special offers and product information.
- Use services like ActiveCampaign for sending marketing messages and creating analytics-based audiences.
Personalize Ads:
- Use data with partners (e.g., Facebook, Google) to tailor ads.
- Provide guidance on opting out of personalized advertising on various devices.
Process Payments:
- Use third-party services (e.g., SolidGate) to handle payment transactions.
Enforce Our Terms and Combat Fraud:
- Share data with third parties, including law enforcement when necessary, to prevent fraud and ensure compliance with our agreements.
Comply with Legal Obligations:
- Process data when required by law or for legal investigations.

4. Legal Bases for Processing Your Personal Data (EEA-based users only)

For EEA-based users, we process your personal data under the following legal bases:

Your Consent:
- For sending marketing emails (withdraw your consent anytime via the unsubscribe link).
Contractual Necessity:
- To provide the Service, manage your account, offer customer support, and process payments.
Legitimate Interests:
- For research and analysis of Service usage, sending marketing communications, personalizing ads, and enforcing our Terms to prevent fraud.
Compliance with Legal Obligations:
- To process, use, or share data as required by law.

5. With Whom We Share Your Personal Data

We share your data with third parties that help us operate, provide, and improve our Service. These include:

Service Providers:
- Cloud storage (e.g., Amazon Web Services)
- Data analytics (e.g., Facebook, Google, Amplitude)
- Marketing partners (e.g., social media networks, email delivery services, ActiveCampaign)
- Payment processors (e.g., SolidGate, PayPal, ApplePay, GooglePay)
- Communication services (e.g., FreshDesk)
Law Enforcement and Public Authorities:
- When required to enforce our Terms, protect rights, or respond to legal requests.
Third Parties in Corporate Transactions:
- In cases such as mergers, acquisitions, or asset sales where customer data is transferred as a business asset.

6. How You Can Exercise Your Privacy Rights

You have the following rights regarding your personal data:

Access / Review / Update / Correct:
- Request a copy of or updates to your personal data by contacting us at privacy@skillnova.io.
Deletion:
- Request erasure of your personal data via privacy@skillnova.io. (Note: We may retain some data to comply with legal obligations.)
Object or Restrict Processing:
- Ask us to stop or limit the processing of your personal data through privacy@skillnova.io.
Data Portability:
- Request your personal data in a machine-readable format by emailing privacy@skillnova.io.
Lodging a Complaint:
- If you are in the EEA, you may lodge a complaint with your local supervisory authority. However, we encourage you to contact us first to resolve your concerns.

7. Age Limitation

We do not knowingly process personal data from persons under 16 years of age. If you believe that someone under 16 has provided us with personal data, please contact us immediately at privacy@skillnova.io.

8. International Data Transfers

We may transfer your personal data to countries other than the one in which it was originally collected.
When transferring data from the EEA to countries with differing data protection laws, we use safeguards such as:
- Standard Contractual Clauses approved by the European Commission
- European Commission Adequacy Decisions (details available through appropriate links)

9. Changes to This Privacy Policy

We may modify this Privacy Policy from time to time.
If material changes are made, you will be notified through the Service or by other means, and you will have the opportunity to review the revised Policy.
Continued use of the Service after changes are effective constitutes acceptance of the revised Privacy Policy.

10. California Privacy Rights

This section applies only to California residents:

Shine the Light Law:
- California residents have the right to request annual disclosure of the personal information shared with third parties for direct marketing purposes.
- To request this information, please email privacy@skillnova.io with the subject line “Request for California Shine the Light Privacy Information” and include your state of residence and email address.
- Please note: Not all information sharing is covered by this law; only information on covered sharing will be provided.

11. Data Retention

We retain your personal data for as long as is reasonably necessary for the purposes described in this Privacy Policy.
This includes the period during which you have an account with our Service, as well as additional time required to comply with legal obligations, resolve disputes, and enforce our agreements.

12. How “Do Not Track” Requests are Handled

Except as otherwise stated in this Privacy Policy, our Service does not support “Do Not Track” requests.
To determine whether any third-party services we use honor “Do Not Track” signals, please review their respective privacy policies.

13. Contact Us

If you have any questions or concerns about this Privacy Policy or your personal data, please contact us:

Email: privacy@skillnova.io
Address:
Cyclops Net Inc
2140 S Dupont Highway
Camden, DE 19934

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