Welcome to the WisdomLibrary.io website. This site is owned and operated by Wisdom Library Ltd.
These Terms of Use, along with policies and guidelines located throughout the WisdomLibrary.io website, outline what users of the site can expect from WisdomLibrary.io, and what is expected from users. By accessing any area of the WisdomLibrary.io website, users are deemed to have accepted these Terms of Use and other policies and guidelines identified throughout the site.
Privacy PolicyWisdomLibrary.io respects the privacy of its users. The terms and conditions of the WisdomLibrary.io Privacy Policy are incorporated herein by reference.

Content

Proprietary Rights

Users acknowledge that the WisdomLibrary.io website contains content protected by copyrights, trademarks, trade secrets, or other proprietary rights, and that these rights are valid and protected in all forms, media, and technologies existing now or hereafter developed. All content is copyrighted as a collective work under applicable copyright laws, and WisdomLibrary.io owns a copyright in the selection, coordination, arrangement, and enhancement of such content.

Users may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the content, in whole or in part, without prior written consent from WisdomLibrary.io. If no specific restrictions are displayed, users may make copies of select portions of the content, provided that the copies are made only for personal use and that users maintain all notices contained in the content, such as copyright notices, trademark legends, or other proprietary rights notices.
Except as provided above or as permitted by applicable copyright laws, users may not upload, post, reproduce, or distribute in any way content protected by copyright or other proprietary rights without obtaining permission from the owner of such rights.
Third-Party ContentIn some instances, the content available through the WisdomLibrary.io website represents the opinions and judgments of third parties. WisdomLibrary.io neither endorses nor is responsible for the accuracy or reliability of any opinion, advice, or statement made by anyone other than WisdomLibrary.io. Under no circumstances shall WisdomLibrary.io, its affiliates, or any of their officers, directors, employees, or agents be liable for any loss, damage, or harm caused by a user’s reliance on information obtained through the site. It is the responsibility of users to evaluate the information, opinions, and advice available through the website.
Termination of UsageWisdomLibrary.io may suspend or terminate any user’s access to all or any part of the website, including any account thereon, without notice, for any reason, at WisdomLibrary.io’s sole discretion.

Disclaimers and Limitation of LiabilityThe WisdomLibrary.io website is provided on an “AS IS” and “AS AVAILABLE” basis. To the fullest extent permissible by applicable law, WisdomLibrary.io disclaims all implied warranties.

Without limiting the foregoing, WisdomLibrary.io makes no representation or warranty of any kind, express or implied:

1. As to the operation of the website, or the information, content, materials, or products included thereon;
   
2. That the website will be uninterrupted or error-free;
   
3. As to the accuracy, reliability, or currency of any information, content, service, or merchandise provided through the website; or
   
4. That the website, its servers, or emails sent from or on behalf of WisdomLibrary.io are free of viruses or other harmful components.
   

WisdomLibrary.io does not guarantee continuous, uninterrupted, or secure access to the website or any related services. The operation of the website may be interfered with by numerous factors outside the control of WisdomLibrary.io.

Under no circumstances shall WisdomLibrary.io be liable for any damages resulting from the use of or inability to use the website, including but not limited to reliance by a user on any information obtained from the site, or that result from mistakes, omissions, interruptions, deletion of files or email, errors, defects, viruses, delays in operation or transmission, or any failure of performance. This includes but is not limited to damages caused by acts of God, communication failures, theft, destruction, or unauthorised access to WisdomLibrary.io’s records, programs, or services.
Certain laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to a user, some or all of the above disclaimers, exclusions, or limitations may not apply, and users may have additional rights.

Acknowledgment

These Terms of Use, including all documents referenced herein, represent the entire understanding between users and WisdomLibrary.io regarding the relationship between users and WisdomLibrary.io, superseding any prior statements or representations. By using the WisdomLibrary.io website, users agree to be bound by these Terms of Use.

Modification

WisdomLibrary.io reserves the right to make changes to the website, posted policies, and these Terms of Use at any time without notice. These Terms of Use were last revised on 18/02/2025.