TERMS & CONDITIONS Website Operator: Svetlana Margolina (SvetLana) client_svetlana-book_tab1 Registration: Not registered as a company (individual author) client_svetlana-book_tab1 Address: Brooklyn, New York, USA 11235 client_svetlana-book_tab1 1) Acceptance By using this website or contacting the Website Operator, you agree to these Terms. 2) No professional advice All content is provided for general informational purposes only and is not legal, financial, medical, or professional advice. 3) No guarantees No guarantees are made regarding outcomes, results, availability, or uninterrupted operation. 4) Your submissions If you submit information, you confirm you have the rights to provide it and that it is accurate to the best of your knowledge. 5) Liability To the maximum extent permitted by law, the Website Operator is not liable for any indirect, incidental, or consequential damages related to the use of this website. 6) Third-party links Links to third-party websites may be provided for convenience. The Website Operator does not control their content and is not responsible for them. 7) Governing law These Terms are governed by the laws of the United States and the State of New York. client_svetlana-book_tab1 8) Contact S.margolina@yahoo.com client_svetlana-book_tab1 APPENDIX — TECHNICAL PROVIDER (WEZAYND) Not merchant of record The Technical Provider does not sell products/services on this website, does not process payments, and does not arrange delivery, returns, or warranty. The Technical Provider is not the merchant of record. Commercial claims Any claims related to products, orders, payments, delivery, returns, or warranty must be addressed to the Website Operator/merchant, not the Technical Provider. Technical scope only The Technical Provider is responsible only for its own technical obligations under its contract with the Website Operator. Technical provider details WEZAYND L.L.C-FZ (License 2539310.01, Formation 2539310) Address: Meydan Grandstand, 6th floor, Meydan Road, Nad Al Sheba, Dubai, U.A.E.