Last updated: January 1, 2026
Welcome to Skyforma LLC ("Skyforma," "we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website located at skyforma.top and our educational services (collectively, the "Service").
By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service. These Terms constitute a legally binding agreement between you and Skyforma.
We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.
Skyforma provides online personal finance education courses, tools, and resources designed for beginners. Our services include:
To access certain features of our Service, you may be required to create an account. When creating an account, you agree to:
You are responsible for safeguarding the password and for all activities that occur under your account. Skyforma will not be liable for any loss or damage arising from your failure to comply with this security obligation.
As a user of our Service, you agree to:
You agree not to:
Certain aspects of our Service require payment. By purchasing our courses or services, you agree to:
All payments are processed securely through third-party payment processors. Prices are subject to change without notice. Refunds may be available in accordance with our refund policy, which will be communicated at the time of purchase.
The Service and its original content, features, and functionality are and will remain the exclusive property of Skyforma and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks may not be used in connection with any product or service without our prior written consent.
Subject to these Terms, Skyforma grants you a limited, non-exclusive, non-transferable license to access and use the course content solely for your personal, non-commercial educational purposes. This license does not permit you to:
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Service, you consent to the collection and use of your information as described in our Privacy Policy.
The content provided through our Service is for educational and informational purposes only. It is not intended as:
You should consult with qualified professionals before making any financial decisions. Skyforma does not guarantee any specific financial outcomes or results from using our educational content.
To the maximum extent permitted by applicable law, Skyforma shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.
In no event shall Skyforma's total liability to you for all damages, losses, and causes of action exceed the amount you have paid to Skyforma in the twelve (12) months preceding the claim.
Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitation may not apply to you.
You agree to defend, indemnify, and hold harmless Skyforma, its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms or your use of the Service.
We strive to maintain the availability of our Service, but we do not guarantee that the Service will be available at all times. The Service may be temporarily unavailable due to maintenance, updates, or technical difficulties. We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice.
These Terms shall be governed by and construed in accordance with the laws of the Netherlands, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of the Netherlands, and you hereby consent to personal jurisdiction and venue therein.
If you are a consumer residing in the European Union, you may have the right to bring proceedings in the courts of your country of residence.
In the event of any dispute arising out of or relating to these Terms or the Service, the parties agree to first attempt to resolve the dispute through good faith negotiations. If the dispute cannot be resolved through negotiation, it may be submitted to mediation before resorting to litigation.
We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including without limitation if you breach the Terms.
You may terminate your account at any time by contacting us at contact@skyforma.top. Upon termination, your right to use the Service will cease immediately.
All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have had between us regarding the Service.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms.
If you have any questions about these Terms of Service, please contact us:
By using our Service, you acknowledge that you have read and understood these Terms of Service and agree to be bound by them.