Terms of service

Terms of Service

Last updated: October 1, 2026

These Terms of Service ("Terms") govern your use of the Carevia website and your purchase of digital products from us. By accessing our site or placing an order, you agree to these Terms. Please read them carefully, including Section 16, which requires customers in the United States to resolve disputes by individual arbitration and waives the right to participate in a class action, unless you opt out.

1. Overview

Carevia operates this online store, offering digital products such as e-books, guides, and downloadable materials. Nothing we sell is shipped physically. By using our site, you confirm that you are at least the age of majority in your place of residence, or that you have the consent of a parent or guardian.

2. Our Products

We make every effort to describe our products as accurately as possible, including their format and content. Our products are supplied in standard digital formats that can be opened on most computers, tablets, and smartphones with a free file reader. It is your responsibility to confirm that you can open standard digital files before purchasing. We reserve the right to update, improve, or discontinue any product at any time.

3. Pricing, Taxes, and Payment

All prices are shown in the currency indicated at checkout and are subject to change without notice. Sales tax or VAT is applied at checkout where required by the laws of your country or state, and we collect it where we are required to. We reserve the right to correct any pricing errors and to cancel orders placed with incorrect pricing.

4. Orders

Your order is an offer to purchase. We reserve the right to accept or decline your order for any reason, including errors in pricing or suspected fraud. A contract is formed when we confirm your order and make the digital product available to you.

5. Delivery and Access

Your download link is sent by email immediately after payment is confirmed. The link remains active for 30 days and allows up to 5 downloads, and we reissue it free of charge on request. It is your responsibility to provide a valid email address at checkout, as this is the only address to which your product is delivered. Full details are set out in our Delivery Policy.

6. Refunds

Refunds and cancellation rights are governed by our Return & Refund Policy, which forms part of these Terms. Because our products are digital content supplied immediately, please read that policy carefully before purchasing.

7. Licence to Use Our Products

When you purchase a digital product, we grant you a personal, non-exclusive, non-transferable licence to use it for your own private and non-commercial purposes. You may not resell, share, distribute, publish, upload, sublicense, translate, or reproduce the product or any part of it, in any format, nor use it to create derivative or competing products, without our prior written permission. We may suspend access to purchased materials where we detect unauthorized sharing or distribution.

8. Intellectual Property

All content on this site and in our digital products, including text, images, logos, and designs, is the property of Carevia or its licensors and is protected by intellectual property laws. Purchasing a product does not transfer any ownership rights to you.

9. Prohibited Uses

You agree not to use our site for any unlawful purpose, to infringe our intellectual property, to transmit malicious code, or to interfere with the security or proper functioning of the site or of our delivery system.

10. Informational Nature of Our Content

Our products are provided for general informational and educational purposes only. They do not constitute medical, psychological, legal, or financial advice, and they are not a substitute for consultation with a qualified professional. You are solely responsible for how you apply the information, and we make no promise or guarantee of any specific result or outcome.

11. Electronic Communications

By placing an order, you consent to receive communications from us electronically, including your order confirmation, download link, and service-related notices. Marketing emails are sent only where you have opted in, and every marketing email includes an unsubscribe link.

12. Disclaimer of Warranties

Our site and products are provided "as is" and "as available" without warranties of any kind, except as required by law. This disclaimer does not affect any statutory rights or legal guarantees owed to consumers, including those described in Section 15.

13. Limitation of Liability

To the fullest extent permitted by law, Carevia shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our site or products, and our total liability for any claim shall not exceed the amount you paid for the product giving rise to the claim. Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law, including the mandatory rights of consumers.

14. Indemnification

You agree to indemnify and hold harmless Carevia from any claims or demands arising from your breach of these Terms or your violation of any law or the rights of a third party.

15. Consumer Rights

If you are a consumer, you may have mandatory rights that cannot be excluded or limited by these Terms. Nothing here affects those rights, and where they conflict with anything stated above, those rights prevail.

• United Kingdom. Under the Consumer Rights Act 2015, digital content must be of satisfactory quality, fit for purpose, and as described, with remedies including repair, replacement, price reduction, or refund. Under the Consumer Contracts Regulations 2013, you have a 14-day right to cancel, which ends once the download has begun with your express consent and acknowledgement that you thereby lose that right.
• Australia. Our products come with guarantees that cannot be excluded under the Australian Consumer Law, including a right to a refund for a major failure and compensation for other reasonably foreseeable loss or damage.
• Canada. Consumer protection legislation in your province or territory may give you additional rights, which apply in addition to these Terms.

16. Dispute Resolution and Binding Arbitration (United States Customers Only)

This Section applies only to customers resident in the United States. It does not apply to consumers resident outside the United States, whose rights are described in Section 15. Please read it carefully: it affects how disputes between you and Carevia are resolved.

16.1 Informal resolution first. Before starting an arbitration, you agree to contact us at contact@carevia.wiki with a short description of your claim and the relief you are seeking. We will try in good faith to resolve the matter directly. If we cannot resolve it within 30 days, either party may begin arbitration.

16.2 Agreement to arbitrate. Any dispute, claim, or controversy arising out of or relating to your purchase, these Terms, our products, or our website shall be resolved by binding individual arbitration rather than in court, except as provided in Section 16.4. The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, available at www.adr.org. The Federal Arbitration Act governs the interpretation and enforcement of this Section. The arbitration may be conducted by telephone, by video conference, or on the basis of written submissions, or in person in the county where you reside, at your election.

16.3 Class action waiver. All claims must be brought on an individual basis only. You and Carevia each waive the right to bring or participate in any class, collective, consolidated, or representative action. The arbitrator may not consolidate the claims of more than one person and may award relief only in favor of the individual party seeking it, and only to the extent necessary to resolve that party's claim.

16.4 Exceptions. Either party may bring an individual claim in a small claims court with jurisdiction, instead of arbitration. Either party may also seek injunctive relief in court to protect intellectual property rights or to stop unauthorized use or distribution of our products.

16.5 Your right to opt out. You may opt out of this arbitration agreement by emailing contact@carevia.wiki within 30 days of your first purchase, with your name, your order number, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other part of these Terms or your use of our products, and you will keep your right to bring a claim in court.

16.6 Severability. If the class action waiver in Section 16.3 is found unenforceable as to a particular claim, that claim shall proceed in court and this entire Section shall not apply to it, while remaining in force for all other claims. If any other part of this Section is found unenforceable, the remainder stays in effect.

17. Governing Law

These Terms are governed by the laws of England and Wales, without regard to conflict of law principles. Subject to Section 16, the courts of England and Wales shall have jurisdiction over any dispute. If you are a consumer resident outside the United Kingdom, this choice of law and forum does not deprive you of the protection afforded by the mandatory consumer-protection provisions of the law of your country of residence, nor of your right to bring proceedings in your local courts where the law allows.

18. Changes to These Terms

We may update these Terms from time to time. The version in effect at the time of your order applies to that purchase. Continued use of the site after changes constitutes acceptance of the updated Terms.

19. Contact

Questions about these Terms can be sent to contact@carevia.wiki or to 27 Walpole Street, Wolverhampton WV6 0AT, United Kingdom.