# Terms of Service
**Welcome to Cosmos Divin**
By accessing or using our website **cosmos-divin.org** and related services, you agree to these Terms of Service. Please read them carefully.
---
## 1. Who We Are
Cosmos Divin provides digital products, courses, and guidance designed to inspire personal growth, awareness, and creativity.
---
## 2. Using Our Services
- You agree to use our website only for lawful purposes.
- You may not attempt to disrupt, hack, or misuse our services in any way.
- Content provided is for personal use only and may not be resold, redistributed, or copied without permission.
---
## 3. Purchases & Payments
- Prices are clearly displayed on our website.
- By placing an order, you confirm that you are authorized to use the payment method.
- Access to digital products is granted after successful payment.
---
## 4. Refund Policy
- Refund requests are handled under our **Refund Policy** (see `/refund-policy`).
- Some digital products may not be refundable once accessed or downloaded.
---
## 5. Privacy & Data
- Your privacy is important to us. Please review our **Privacy Policy** (see `/privacy-policy`) for details on how we collect, use, and protect your data.
---
## 6. Intellectual Property
- All content, designs, and materials on Cosmos Divin are protected by copyright and intellectual property laws.
- You may not use, reproduce, or distribute our materials without written consent.
---
## 7. Limitation of Liability
- We strive to provide accurate and reliable services, but we cannot guarantee error-free content.
- Cosmos Divin shall not be held liable for any damages resulting from the use or inability to use our services.
---
## 8. Changes to Terms
We may update these Terms from time to time. Changes will be posted on this page, and continued use of our site means you accept them.
---
## 9. Contact Us
If you have any questions about these Terms, please contact us at:
📧 **djolios@cosmos-divin.org**
