Last Updated: October 25, 2025

Table of Contents

1. Agreement to Terms

Welcome to Skilluminance, operated by Skilluminance Studio LLC, a Michigan limited liability company located in Michigan, United States (collectively referred to as “Skilluminance,” “we,” “us,” or “our”). This website, accessible at www.skillluminance.com, and all associated services, products, content, tools, applications, and resources (collectively, the “Services”) are provided to you subject to your acceptance of and compliance with these Terms of Use (the “Terms”).

These Terms constitute a legally binding contract between you (“you,” “your,” or “User”) and Skilluminance Studio LLC. By accessing, browsing, registering for, purchasing from, or otherwise using any part of the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, including all policies referenced herein, including our Privacy Policy.

If you do not agree to these Terms in their entirety, you must immediately discontinue all use of the Services. Your continued use of the Services following any modifications to these Terms constitutes your acceptance of such changes.

These Terms apply to all users, including browsers, registered users, purchasers, subscribers, content contributors, and any other visitors to the Services, regardless of geographic location.

2. Definitions

For purposes of these Terms, the following definitions apply:

“Content” means all text, graphics, images, music, software, audio, video, information, data, designs, code, and other materials available through the Services, whether created by Skilluminance or by third parties.

“Digital Products” means all downloadable and non-physical products offered for sale through the Services, including but not limited to PDFs, eBooks, guides, templates, worksheets, courses, online training materials, audio files, video files, software, and digital resources.

“Intellectual Property” means all patents, trademarks, service marks, trade names, copyrights, trade secrets, proprietary information, know-how, and any other intellectual property rights, whether registered or unregistered.

“Services” means the website, digital marketplace, blog, resources, tools, applications, and all other services provided by Skilluminance through www.skillluminance.com and related platforms.

“User Content” means any content, information, data, text, or materials that you submit, upload, post, or transmit through the Services.

3. Eligibility and Account Requirements

You must be at least eighteen (18) years of age to use the Services, create an account, or make purchases through Skilluminance. Minors under eighteen (18) years of age and at least thirteen (13) years of age may only use the Services under the direct supervision of a parent or legal guardian who has provided appropriate permission and maintains direct oversight of such use. Children under thirteen (13) years of age are strictly prohibited from using the Services under any circumstances.

You are solely responsible for all activity conducted on your account and for all actions taken by minors using your devices or accounts. When creating an account, you must provide accurate, current, and complete information. You agree to promptly update your account information, including email address, payment information, and billing details, to ensure accuracy and completeness.

You may not use false information, impersonate any person or entity, or misrepresent your affiliation with any person or entity. If you register on behalf of a business entity, you personally represent and warrant that you have the legal authority to bind that entity to these Terms.

You are responsible for maintaining the confidentiality of your account credentials, including your username and password. You may not share, disclose, or permit any third party to use your login credentials. You agree to notify Skilluminance immediately of any unauthorized access to or use of your account.

Skilluminance reserves the right to refuse service, terminate accounts, or cancel orders in its sole discretion, with or without cause or prior notice.

4. License to Use Services

Subject to your compliance with these Terms, Skilluminance grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Services solely for your personal, non-commercial use. This license does not include any right to:

Copy, modify, reproduce, distribute, republish, download, display, post, or transmit any Content in any form or by any means without prior written authorization from Skilluminance.
Use the Services for any commercial purpose, including resale, redistribution, or competitive analysis, without express written consent from Skilluminance.
Reverse engineer, decompile, disassemble, or attempt to derive the source code of any software, technology, or systems underlying the Services.
Scrape, crawl, spider, index, harvest, or use automated tools to access, extract, or collect data from the Services.
Remove, alter, or obscure any copyright, trademark, or other proprietary notices from the Services or any Content.

All rights not expressly granted to you under these Terms are reserved by Skilluminance.

5. Intellectual Property Rights and Ownership

All Content, materials, software, designs, graphics, text, information, data, code, trademarks, service marks, logos, trade names, and other intellectual property available through the Services (collectively, “Skilluminance Intellectual Property”) are the exclusive property of Skilluminance Studio LLC, its affiliates, licensors, or partners, and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.copyrightresource.uw

The Skilluminance name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Skilluminance Studio LLC. You may not use, copy, reproduce, or imitate these marks without the prior written consent of Skilluminance.

Nothing in these Terms grants you any ownership interest in or to the Skilluminance Intellectual Property. Any unauthorized use, reproduction, distribution, modification, display, performance, or creation of derivative works based on the Skilluminance Intellectual Property is strictly prohibited and may result in severe civil and criminal penalties.wikipedia

You acknowledge and agree that any feedback, suggestions, ideas, or other materials you submit to Skilluminance (excluding User Content purchased through the Services) are non-confidential and non-proprietary, and Skilluminance shall have a worldwide, perpetual, irrevocable, royalty-free, fully paid-up, transferable, and sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such materials for any purpose without compensation or attribution to you.

6. Digital Products and Sales Terms

Skilluminance offers Digital Products for purchase and download through the Services. All Digital Products are provided in digital format only and are delivered electronically via download link, email, or through your user account following successful payment processing.

Upon completed purchase and payment, you receive a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the purchased Digital Product solely for your personal, non-commercial use. This license does not convey any ownership rights in the Digital Product.

You expressly agree that you will not:

Resell, redistribute, share, rent, lease, lend, sublicense, or otherwise transfer any Digital Product to any third party.
Modify, alter, adapt, translate, or create derivative works based on any Digital Product.
Reverse engineer, decompile, disassemble, or attempt to extract source code from any Digital Product.
Remove, alter, or obscure any proprietary notices, labels, or marks from any Digital Product.
Use any Digital Product for commercial purposes or in any manner that competes with Skilluminance.

Skilluminance makes no representations or warranties regarding the suitability, accuracy, completeness, reliability, or fitness for a particular purpose of any Digital Product. Digital Products are provided “AS IS” and “AS AVAILABLE” without warranty of any kind.

You acknowledge that Digital Products may have limited quantities and may be discontinued or modified at any time without notice. We reserve the right to limit sales to any person, geographic region, or jurisdiction and to limit quantities of any Digital Product offered.

7. Pricing, Payment, and Billing

All prices for Digital Products and Services are listed in United States Dollars (USD) unless otherwise specified and are subject to change at any time without notice. Prices displayed do not include applicable taxes, duties, or fees, which will be calculated and added at checkout where required by law.

We accept payment through the payment methods displayed at checkout, which may include major credit cards, debit cards, and third-party payment processors. By providing payment information, you represent and warrant that you are authorized to use the designated payment method and authorize Skilluminance to charge all amounts due to that payment method.

You agree to provide current, complete, and accurate billing and payment information and to promptly update all such information in the event of changes. Failure to provide accurate payment information may result in order cancellation or account suspension.

Skilluminance reserves the right to refuse, limit, or cancel any order for any reason, including suspected fraud, unauthorized transactions, pricing errors, product unavailability, or violations of these Terms. If your order is cancelled after payment has been processed, we will issue a refund to the original payment method in our sole discretion.

For international transactions, you are responsible for compliance with all applicable local laws, including payment of any customs duties, import taxes, or other charges imposed by your jurisdiction. Currency conversion rates, if applicable, are determined by your financial institution or payment processor.

8. No Refunds Policy

ALL SALES OF DIGITAL PRODUCTS AND SERVICES ARE FINAL AND STRICTLY NON-REFUNDABLE UNDER ALL CIRCUMSTANCES. THIS POLICY APPLIES REGARDLESS OF USER LOCATION OR APPLICABLE STATUTORY CONSUMER RIGHTS TO THE MAXIMUM EXTENT PERMITTED BY LAW.

BY MAKING A PURCHASE THROUGH THE SERVICES, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

A. NO REFUNDS, RETURNS, EXCHANGES, OR CANCELLATIONS: Due to the immediate access and digital nature of Digital Products, Skilluminance does not offer refunds, returns, exchanges, credits, or cancellations for any reason whatsoever, including but not limited to dissatisfaction with product quality, user error, technical incompatibility, change of mind, failure to read product descriptions, inability to use the product, or any other reason.

B. IMMEDIATE DELIVERY CONSTITUTES ACCEPTANCE: By downloading, accessing, viewing, or otherwise using any Digital Product immediately upon purchase, you expressly waive any and all rights to request a refund, cancellation, or withdrawal from the purchase.

C. NO EXCEPTIONS: There are absolutely no exceptions to this no-refund policy except where expressly required by mandatory statutory law that cannot be waived by contract.

D. STATUTORY RIGHTS (WHERE APPLICABLE): For users located in jurisdictions with mandatory consumer protection laws that cannot be waived (including but not limited to the European Union, United Kingdom, Australia, or other jurisdictions with statutory cooling-off periods), you may have certain non-waivable statutory rights. However, by downloading or accessing a Digital Product immediately upon purchase, you expressly acknowledge and agree that you are requesting immediate performance and waive your right of withdrawal to the fullest extent permitted by applicable law. Any statutory rights that cannot be waived shall apply only to the minimum extent required by law.

E. TECHNICAL DEFECTS: In the rare event of a verified technical defect that renders a Digital Product completely inaccessible or unusable as described, you must notify Skilluminance within forty-eight (48) hours of purchase by contacting us at the email address provided in Section 23. Skilluminance will investigate such claims in its sole discretion and may, but is not obligated to, provide a replacement product or alternative solution. Under no circumstances will monetary refunds be provided for technical defects.

F. DISPUTES REGARDING REFUNDS: Any and all disputes, claims, or requests regarding refunds are subject to the waiver provisions in Section 15 of these Terms. By using the Services and making purchases, you waive any right to dispute, contest, or seek refunds through any legal process, credit card chargeback, payment processor dispute, or any other means.

G. CHARGEBACK PROHIBITION: You agree not to initiate any chargeback, payment reversal, or dispute with your credit card company, bank, or payment processor regarding any purchase made through the Services. Initiating a chargeback or payment dispute constitutes a material breach of these Terms and may result in immediate account termination, loss of access to all purchased products, legal action to recover amounts owed, and liability for all costs and fees incurred by Skilluminance, including attorneys’ fees.

Chargebacks, reversals, regulatory complaints, or disputes, direct or indirect, constitute a material breach—immediate account termination, forfeiture of product access, and full indemnification to Skilluminance for any resulting costs (including attorneys’ fees).

ALL disguised or alternative refund claims (e.g., failure to download, technical complaint, mistaken order) are default-denied except for documented cases of total technical non-delivery. Technical claims require server log evidence and written notice within 24 hours of purchase.

YOU ACKNOWLEDGE THAT YOU HAVE CAREFULLY READ THIS NO REFUNDS POLICY AND FULLY UNDERSTAND THAT ALL PURCHASES ARE FINAL AND NON-REFUNDABLE.

9. Prohibited Uses and Acceptable Use Policy

You agree to use the Services only for lawful purposes and in accordance with these Terms. You agree not to use the Services:

In any way that violates any applicable federal, state, local, or international law, statute, ordinance, or regulation.
To engage in any fraudulent, deceptive, misleading, or illegal activity, including false claims or infringement notices.
To transmit, distribute, or upload any viruses, malware, worms, Trojan horses, ransomware, spyware, or other malicious or harmful code or programs.
To interfere with, disrupt, damage, or attempt to gain unauthorized access to the Services, servers, networks, or systems connected to the Services.
To circumvent, disable, or otherwise interfere with security-related features or features that prevent or restrict use or copying of any Content.
To harvest, scrape, crawl, spider, or use automated means to access, collect, or extract data from the Services.
To impersonate or attempt to impersonate Skilluminance, a Skilluminance employee, another user, or any other person or entity.
To send spam, unsolicited emails, chain letters, pyramid schemes, or other unsolicited communications.
To upload, post, transmit, or distribute any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, pornographic, libelous, invasive of another’s privacy, hateful, or racially, ethnically, or otherwise objectionable.
To infringe upon the intellectual property rights, privacy rights, or other proprietary rights of Skilluminance or any third party.
To use the Services for any commercial purpose without the express written consent of Skilluminance.
To solicit passwords or personal information from other users or engage in phishing or identity theft.
To attempt to monitor, read, copy, change, delete, or tamper with another user’s data or communications without authorization.

Skilluminance reserves the right to investigate and take appropriate legal action against anyone who violates these prohibitions, including removing offending content, suspending or terminating accounts, reporting violations to law enforcement authorities, and pursuing civil or criminal remedies.

10. User Content and Conduct

Certain features of the Services may allow you to submit, upload, post, or transmit User Content. You retain all ownership rights to your User Content, but by submitting User Content to the Services, you grant Skilluminance a worldwide, non-exclusive, royalty-free, fully paid-up, transferable, sublicensable, perpetual, and irrevocable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such User Content in connection with operating and providing the Services.

You represent and warrant that:

You own or have obtained all necessary rights, licenses, consents, and permissions to submit your User Content and to grant the licenses set forth in these Terms.
Your User Content does not and will not infringe, violate, or misappropriate any intellectual property right, privacy right, or other proprietary right of any third party.
Your User Content does not contain any defamatory, libelous, obscene, pornographic, abusive, or otherwise illegal or objectionable material.

Skilluminance does not endorse, support, represent, or guarantee the truthfulness, accuracy, or reliability of any User Content. You acknowledge that you rely on User Content at your own risk. Skilluminance has no obligation to monitor, screen, or review User Content but reserves the right to do so and to remove any User Content that violates these Terms or is otherwise objectionable, in its sole discretion.

11. Privacy, Data Protection, and Cookies

Your privacy is important to us. Our collection, use, storage, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to our collection and use of your personal information as described in the Privacy Policy.

Skilluminance processes personal information (including name, email address, phone number, billing address, payment information, and usage data) as an independent data controller under applicable data protection laws, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).

We use cookies, web beacons, pixels, clear GIFs, and similar tracking technologies to collect information about your use of the Services, analyze trends, administer the Services, track user movement, and gather demographic information. For detailed information about our use of cookies and your choices regarding tracking technologies, please review our Privacy Policy.

If you are located in the European Union, European Economic Area, United Kingdom, or other jurisdictions with enhanced data protection rights, you have certain rights regarding your personal information, including the right to access, rectify, erase, restrict processing, object to processing, data portability, and withdrawal of consent. To exercise these rights or to submit privacy-related inquiries, please contact us using the information provided in Section 23 and our Privacy Policy.

California residents have specific privacy rights under the CCPA/CPRA, including the right to know what personal information is collected, the right to delete personal information, the right to opt out of the sale or sharing of personal information, and the right to limit use of sensitive personal information. For details on how to exercise these rights, please consult our Privacy Policy.

By using the Services from jurisdictions outside the United States, you consent to the transfer, storage, and processing of your personal information in the United States, which may have different data protection laws than your jurisdiction.

12. Third-Party Links, Services, and Affiliate Content

The Services may contain links to third-party websites, services, applications, advertisements, or resources not owned or controlled by Skilluminance, including affiliate links, social media platforms, payment processors, and external tools.

Skilluminance has no control over and assumes no responsibility for the content, privacy policies, terms of use, or practices of any third-party websites or services. You acknowledge and agree that Skilluminance is not responsible or liable, directly or indirectly, for any damage, loss, or liability caused or alleged to be caused by or in connection with your use of or reliance on any third-party content, goods, or services available through such websites or services.

Third-party services may require you to accept separate terms of use, and such agreements are solely between you and the third party. Skilluminance is not a party to such agreements and has no responsibility or liability for the performance or non-performance of third parties.

We strongly advise you to review the terms and conditions and privacy policies of any third-party websites or services that you visit or use. Your access to and use of third-party websites and services is entirely at your own risk.

Skilluminance may earn commissions or other compensation from purchases made through affiliate links or third-party promotions. Such affiliate relationships do not constitute endorsements, recommendations, or warranties regarding the quality, safety, legality, or suitability of third-party products or services.

13. Disclaimers and Warranties

THE SERVICES, ALL CONTENT, AND ALL DIGITAL PRODUCTS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SKILLUMINANCE EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, SECURITY, QUIET ENJOYMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

SKILLUMINANCE DOES NOT WARRANT THAT:

THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.
THE RESULTS OBTAINED FROM USE OF THE SERVICES OR ANY DIGITAL PRODUCTS WILL BE ACCURATE, RELIABLE, COMPLETE, OR MEET YOUR EXPECTATIONS.
ANY ERRORS, DEFECTS, OR INACCURACIES IN THE SERVICES OR CONTENT WILL BE CORRECTED.
THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION.

THE CONTENT, INFORMATION, AND MATERIALS PROVIDED THROUGH THE SERVICES ARE FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. THEY ARE NOT INTENDED AS PROFESSIONAL, LEGAL, FINANCIAL, TAX, MEDICAL, OR OTHER EXPERT ADVICE, AND SHOULD NOT BE RELIED UPON AS SUCH. YOU SHOULD VERIFY ALL INFORMATION BEFORE RELYING UPON IT, AND ALL DECISIONS BASED ON INFORMATION OBTAINED THROUGH THE SERVICES ARE YOUR SOLE RESPONSIBILITY.

YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SKILLUMINANCE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, AFFILIATES, SUBSIDIARIES, PARTNERS, LICENSORS, SUPPLIERS, OR SERVICE PROVIDERS (COLLECTIVELY, THE “SKILLUMINANCE PARTIES”) BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, DATA, BUSINESS OPPORTUNITIES, OR OTHER INTANGIBLE LOSSES ARISING OUT OF OR RELATED TO:

YOUR USE OF OR INABILITY TO USE THE SERVICES.
ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS OR ANY PERSONAL OR FINANCIAL INFORMATION STORED THEREIN.
ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES.
ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY.
ANY ERRORS, INACCURACIES, OR OMISSIONS IN ANY CONTENT OR DIGITAL PRODUCTS.
ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF ANY CONTENT OR DIGITAL PRODUCTS ACCESSED THROUGH THE SERVICES.
THE CONDUCT OR CONTENT OF ANY THIRD PARTY OR OTHER USER ON OR THROUGH THE SERVICES.

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT SKILLUMINANCE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL THE AGGREGATE LIABILITY OF THE SKILLUMINANCE PARTIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES EXCEED THE GREATER OF: (A) ONE HUNDRED DOLLARS ($100.00); OR (B) THE TOTAL AMOUNT PAID BY YOU TO SKILLUMINANCE FOR DIGITAL PRODUCTS OR SERVICES IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY.

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, LIABILITY SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

YOU ACKNOWLEDGE AND AGREE THAT BY USING THE SERVICES, YOU ACCEPT THE RISK THAT INFORMATION TRANSMITTED THROUGH THE SERVICES MAY BE INTERCEPTED BY THIRD PARTIES, AND THAT SKILLUMINANCE SHALL HAVE NO LIABILITY FOR SUCH INTERCEPTION.

15. Waiver of Legal Rights and Release

BY ACCESSING AND USING THE SERVICES, YOU EXPRESSLY AND IRREVOCABLY WAIVE, RELEASE, AND FOREVER DISCHARGE THE SKILLUMINANCE PARTIES FROM ANY AND ALL CLAIMS, DEMANDS, CAUSES OF ACTION, DAMAGES, LOSSES, LIABILITIES, COSTS, AND EXPENSES (INCLUDING ATTORNEYS’ FEES) OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, SUSPECTED AND UNSUSPECTED, DISCLOSED AND UNDISCLOSED, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE SERVICES OR DIGITAL PRODUCTS.

YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT:

A. WAIVER OF RIGHT TO SUE: You hereby waive and relinquish any and all rights to initiate, file, prosecute, or maintain any lawsuit, legal action, claim, demand, arbitration, administrative proceeding, or other legal or equitable proceeding of any kind against the Skilluminance Parties in any court, tribunal, arbitration forum, or administrative body, whether in law or equity, arising out of or related to your use of the Services, any Digital Products purchased, these Terms, or any other matter related to Skilluminance.

B. NO ARBITRATION: You acknowledge and agree that there shall be no arbitration of any disputes, claims, or controversies arising out of or related to these Terms or the Services. Any and all disputes are subject to the complete waiver and release provisions set forth in this Section 15.

C. NO CLASS ACTIONS OR REPRESENTATIVE PROCEEDINGS: You waive any right to participate in, initiate, or maintain any class action, class arbitration, collective action, consolidated action, representative action, mass action, or any other form of joint or coordinated proceeding against Skilluminance.

D. KNOWING AND VOLUNTARY WAIVER: You acknowledge that this waiver and release is knowing, voluntary, intentional, and made with full awareness of its significance and legal consequences. You have had the opportunity to consult with legal counsel regarding this waiver and understand that you are giving up substantial legal rights.

E. COMPLETE RELEASE: This release extends to all claims of every nature and kind whatsoever, whether known or unknown, suspected or unsuspected, past, present, or future. You expressly waive any rights under any statute or common law principle that would otherwise limit the scope of this release to claims known or suspected at the time of signing.

F. DISPUTES WITH OTHER USERS: If you have a dispute with another user of the Services or any third party, you release and forever discharge the Skilluminance Parties from any and all claims, demands, causes of action, damages, losses, and liabilities of every kind arising out of or related to such disputes.

G. EXCLUSIVE REMEDY: Your sole and exclusive remedy for any dissatisfaction with the Services, Digital Products, or any other matter related to Skilluminance is to stop using the Services and to cease all contact with Skilluminance. You acknowledge and agree that you have no other remedies, whether at law or in equity.

H. GOVERNING LAW APPLICATION ONLY: The governing law provisions in Section 19 of these Terms apply solely for purposes of interpreting these Terms and determining the validity and enforceability of this waiver and release, and do not grant you any right to bring legal proceedings in any court or forum.

THIS WAIVER AND RELEASE PROVISION IS AN ESSENTIAL AND MATERIAL TERM OF THESE TERMS. IF YOU DO NOT AGREE TO THIS COMPLETE WAIVER AND RELEASE OF ALL RIGHTS TO SUE OR PURSUE LEGAL ACTION, YOU MUST NOT USE THE SERVICES.

16. Indemnification

You indemnify Skilluminance for ANY damages, costs, and attorneys’ fees resulting from breach—including direct and indirect attempts at legal, regulatory, or chargeback action by you, affiliates, or representatives.

Further, you agree to defend, indemnify, and hold harmless the Skilluminance Parties from and against any and all claims, demands, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees and legal costs, arising out of or related to:

Your use or misuse of the Services.
Your breach or violation of these Terms or any applicable law or regulation.
Your violation of any third-party right, including any intellectual property right, privacy right, publicity right, or proprietary right.
Any User Content you submit, post, or transmit through the Services.
Your access to or use of Digital Products.
Any unauthorized access to or use of the Services under your account or login credentials.
Any claim, lawsuit, arbitration, or legal proceeding you initiate or participate in against Skilluminance in violation of Section 15.
Any chargeback, payment dispute, or payment reversal you initiate in violation of Section 8.

Skilluminance reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate fully with Skilluminance in asserting any available defenses. This indemnification obligation shall survive the termination or expiration of these Terms and your use of the Services.

17. Account Suspension and Termination

Skilluminance reserves the right, in its sole discretion, to suspend, terminate, or restrict your account or your access to the Services at any time, with or without cause, with or without notice, and without liability to you, including if:

You violate or breach any provision of these Terms.
Skilluminance has reason to believe your use of the Services is unlawful, fraudulent, harmful, or in violation of any applicable law or regulation.
Skilluminance is required to do so by law, court order, or governmental authority.
You engage in conduct that Skilluminance deems, in its sole discretion, to be harmful to other users, third parties, or the business interests or reputation of Skilluminance.
You initiate a chargeback, payment dispute, or any legal proceeding in violation of these Terms.

Generally, Skilluminance will notify you of account suspension or termination unless repeated violations have occurred, or legal or regulatory restrictions prevent notification. Upon termination, your right to use the Services will immediately cease, and you may lose access to any information, data, or Content associated with your account, including purchased Digital Products, without refund or compensation.

You may terminate your account at any time by discontinuing use of the Services and contacting us at the email address provided in Section 23. Termination of your account does not relieve you of any obligations incurred prior to termination, including payment obligations, and does not entitle you to any refund.

Skilluminance reserves the right to change, suspend, discontinue, or terminate any or all of the Services, in whole or in part, at any time, for any reason, with or without notice. Skilluminance will not be liable to you or any third party for any such change, suspension, discontinuation, or termination.

The provisions of these Terms that by their nature should survive termination shall survive, including but not limited to Sections 5, 8, 13, 14, 15, 16, and 19.

18. DMCA Copyright Policy and Infringement Procedures

Skilluminance respects the intellectual property rights of others and expects users to do the same. In accordance with the Digital Millennium Copyright Act of 1998 (“DMCA”), Skilluminance will respond to valid notices of alleged copyright infringement and will terminate the accounts of repeat infringers.

If you believe that your copyrighted work has been copied, reproduced, or otherwise infringed upon through the Services, you may submit a written DMCA notice to our designated Copyright Agent containing the following information:

A physical or electronic signature of the copyright owner or person authorized to act on behalf of the owner.
Identification of the copyrighted work claimed to have been infringed, or if multiple works are covered by a single notification, a representative list of such works.
Identification of the material claimed to be infringing or to be the subject of infringing activity, including information reasonably sufficient to permit Skilluminance to locate the material (such as URL or specific location on the Services).
Your contact information, including name, address, telephone number, and email address.
A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

DMCA notices should be sent to:

Skilluminance Studio LLC
Attn: Copyright Agent
Email: grow@skilluminance.com

Upon receipt of a valid DMCA notice, Skilluminance will remove or disable access to the allegedly infringing material and notify the user who posted such material. If you believe that material you posted was removed or disabled by mistake or misidentification, you may file a counter-notice in accordance with the DMCA.

Please be aware that submitting a false or fraudulent DMCA notice or counter-notice may result in civil liability, including damages, court costs, and attorneys’ fees under federal law.

19. Governing Law and Venue

These Terms and your use of the Services shall be governed by and construed in accordance with the laws of the State of Michigan, United States, without regard to its conflict of law principles. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

To the extent that any legal action or proceeding is not barred by the waiver and release provisions in Section 15, you agree that the exclusive venue for any such proceeding shall be in the state or federal courts located in Oakland County, Michigan, and you hereby irrevocably consent to the personal jurisdiction of such courts. However, you acknowledge and agree that any attempt to bring such legal action or proceeding constitutes a material breach of these Terms and subjects you to the indemnification obligations in Section 16.

Notwithstanding the foregoing, if you access the Services from a jurisdiction outside the United States with laws or regulations governing personal data collection, use, or disclosure that differ from United States laws, you acknowledge that you are transferring your personal information to the United States and consent to such transfer, processing, and storage in the United States.

To the extent that any jurisdiction has mandatory consumer protection, data privacy, or other laws that cannot be waived by contract and that provide you with non-waivable statutory rights, such laws shall apply only to the minimum extent required by law and shall not diminish or invalidate the waiver and release provisions in Section 15.

20. Modifications to Terms

Skilluminance reserves the right to modify, amend, update, or replace any provision of these Terms at any time, in its sole discretion, without prior notice. Modifications will become effective immediately upon posting the revised Terms on the Services, and the “Last Updated” date at the top of these Terms will be revised.

Your continued use of the Services following the posting of revised Terms constitutes your acceptance of and agreement to such modifications. It is your responsibility to review these Terms periodically for changes. If you do not agree to the modified Terms, you must immediately discontinue use of the Services.

Skilluminance may also provide notice of material changes to these Terms by sending an email to the address associated with your account or by posting a notice on the homepage of the Services. Such notice shall be deemed effective upon sending or posting.

21. Severability and Waiver

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions of these Terms shall continue in full force and effect. In particular, if the waiver and release provisions in Section 15 are found to be unenforceable in whole or in part, the remaining provisions of these Terms, including all limitation of liability, disclaimer, and indemnification provisions, shall remain fully enforceable.

No waiver by Skilluminance of any breach or default of these Terms shall be deemed a waiver of any subsequent breach or default. Skilluminance’s failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision unless acknowledged and agreed to in writing by an authorized representative of Skilluminance.

BY USING SKILLUMINANCE, YOU ACCEPT ALL THE ABOVE ULTRA-PROTECTIVE WAIVERS, RELEASES, AND INDEMNIFICATION OBLIGATIONS, INCLUDING THE ABSOLUTE BAN ON LEGAL, ARBITRATION, ADMINISTRATIVE, CHARGEBACK, AND THIRD-PARTY ACTIONS AGAINST SKILLUMINANCE TO THE MAXIMUM EXTENT ALLOWED WORLDWIDE. If you object to these terms, do not use the site; continued use constitutes irrevocable acceptance even if you do not create an account or place an order.

22. Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices, policies, or agreements referenced herein or published by Skilluminance on the Services, constitute the entire agreement between you and Skilluminance concerning the Services and supersede all prior or contemporaneous communications, agreements, understandings, or representations, whether written or oral, regarding the subject matter hereof.

No amendment, modification, or waiver of these Terms shall be effective unless made in writing and signed by an authorized representative of Skilluminance.

23. Contact Information

If you have any questions, concerns, or comments regarding these Terms, the Services, or any matter related to Skilluminance, please contact us at:

Skilluminance Studio LLC
Email: grow@skilluminance.com
Website: www.skillluminance.com

For DMCA copyright notices, please use the contact information provided in Section 18.

For privacy-related inquiries or to exercise your data protection rights, please refer to our Privacy Policy or contact us at the email address above.

BY USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF USE, INCLUDING THE COMPLETE WAIVER OF YOUR RIGHT TO SUE, ARBITRATE, OR PURSUE ANY LEGAL ACTION AGAINST SKILLUMINANCE, AND THE ABSOLUTE NO REFUNDS POLICY FOR ALL PURCHASES.

Terms of Use and Refund Policy