KARLO KILAYKO

This Site provides information about products, services, projects, and content created or offered by Karlo Kilayko (“we,” “us,”or “our”). Some services may be offered for payment via third-party providers such as Stripe.

2. No Professional Advice

All content on this Site is provided for general informational purposes only. Nothing on this Site constitutes legal, financial, medical, or professional advice. You are responsible for how you use the information provided.

3. Payments and Third-Party Services

Payments, subscriptions, or transactions are processed through third-party providers (including Stripe). We do not store your full payment card details. Your use of these services is also governed by their respective terms and policies.

4. Intellectual Property

All content on this Site—including text, graphics, logos, and software—is owned by or licensed to us and protected by applicable intellectual property laws. You may not copy, reproduce, or redistribute content without prior written permission, except for personal, non-commercial use.

5. Acceptable Use

You agree not to:

Use the Site for unlawful purposes
Attempt to gain unauthorized access to the Site or its systems
Interfere with or disrupt the Site’s operation

6. Disclaimer of Warranties

The Site is provided “as is” and “as available,” without warranties of any kind, express or implied. We do not guarantee that the Site will be uninterrupted, secure, or error-free.

7. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Site.

8. Changes to These Terms

We may update these Terms from time to time. Continued use of the Site after changes constitutes acceptance of the updated Terms.

9. Governing Law

These Terms are governed by the laws of the United States and the State in which we operate, without regard to conflict-of-law principles.

10. Contact

If you have questions about these Terms, contact:
Email: support@karlokilayko.dev

Last updated: 13 January 2026

Your privacy matters. This Privacy Policy explains how information is collected, used, and protected when you visit karlokilayko.dev.

1. Information We Collect

We may collect:

Personal information you provide (such as name, email address, or payment-related metadata)
Technical data (such as browser type, IP address, and usage data)
Payment information, which is processed securely by third-party providers (e.g., Stripe) and not stored directly by us

2. How We Use Information

We use information to:

Operate and improve the Site
Provide products or services you request
Process payments and transactions
Communicate with you
Comply with legal obligations

3. Cookies and Analytics

We may use cookies or similar technologies to understand site usage and improve performance. You can control cookies through your browser settings.

4. Third-Party Services

We rely on trusted third-party services (such as Stripe, hosting providers, and analytics tools). These services may collect and process data under their own privacy policies.

5. Data Sharing

We do not sell your personal data. We only share information when necessary to:

Provide services (e.g., payment processing)
Comply with legal requirements
Protect our rights and security

6. Data Security

We take reasonable measures to protect your information but cannot guarantee absolute security.

7. Your Rights

Depending on your location, you may have rights to access, correct, or request deletion of your personal data. You may contact us to exercise these rights.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page.

9. Contact

If you have questions about this Privacy Policy, contact:
Email: support@karlokilayko.dev