Terms of Service

1.1 Eligibility. You must be at least 18 years old and legally capable of entering into a binding agreement to use the Service. By using Allinka, you represent and warrant that you meet these requirements.

1.2 Account Creation. You must provide accurate and complete information when creating your account. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

1.3 Account Security. You agree to notify us immediately of any unauthorized use of your account. We are not liable for any loss arising from unauthorized access to your account where you have failed to maintain the security of your credentials.

1.4 One Account. Each individual may maintain only one account. Operating multiple accounts may result in termination of all associated accounts.

You agree to use the Service only for lawful purposes and in accordance with these Terms. You shall not:

• Post content that is defamatory, obscene, hateful, or that promotes violence or discrimination.
• Harass, threaten, or intimidate other users of the platform.
• Impersonate any person or entity, or falsely claim an affiliation with any person or entity.
• Use the Service for spam, unsolicited advertising, or pyramid schemes.
• Interfere with or disrupt the integrity or performance of the Service, its servers, or networks.
• Attempt to gain unauthorized access to any part of the Service, other accounts, or systems connected to the Service.
• Upload or transmit viruses, malware, or any other harmful code.
• Scrape, crawl, or use automated means to access the Service without our written permission.
• Use the Service to collect personal information of other users without their consent.

We reserve the right to investigate and take appropriate action against any violation of this section, including removing content and suspending or terminating accounts.

3.1 Ownership. You retain ownership of the content you post on Allinka, including posts, comments, images, and other materials (“User Content”). By posting User Content, you grant us a non-exclusive, worldwide, royalty-free, sublicensable license to use, display, reproduce, modify, and distribute your User Content in connection with operating and providing the Service.

3.2 Content Standards. All User Content must comply with our Acceptable Use policy above. We do not pre-screen User Content but reserve the right to remove or disable access to any User Content that violates these Terms.

3.3 Structured Posts. Allinka encourages value-driven sharing through structured post types (Challenges, Wins, Lessons, and Resources). While we encourage meaningful contributions, we do not guarantee the accuracy, completeness, or usefulness of any User Content.

4.1 Payments. Certain features of the Service, such as courses, mentorship bookings, and marketplace transactions, may require payment. All payments are processed through our third-party payment processor, Stripe. By making a payment, you agree to Stripe's terms of service.

4.2 Fees. Allinka may charge platform fees on certain transactions. Applicable fees will be disclosed before you complete any transaction.

4.3 Refunds. Refund policies vary by transaction type. Course purchases may be eligible for a refund within 14 days of purchase if less than 25% of the content has been accessed. Marketplace transaction refunds are handled on a case-by-case basis. We reserve the right to issue or deny refunds at our discretion.

4.4 Wallet. If the Service includes a digital wallet feature, funds in your wallet are not insured deposits. Wallet balances may be subject to withdrawal limits and processing times.

4.5 Taxes. You are responsible for any applicable taxes arising from your use of the Service, including income earned through the platform.

5.1 Our Intellectual Property. The Service, including its design, features, functionality, code, and branding (including the “Allinka” name and logo), is owned by Village Micro Fund and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works from any part of the Service without our written permission.

5.2 Feedback. If you provide us with suggestions, ideas, or feedback regarding the Service, you grant us the right to use such feedback without restriction or compensation to you.

5.3 DMCA. We respect intellectual property rights and expect our users to do the same. If you believe that your copyrighted work has been used on the Service in a way that constitutes infringement, please contact us with a detailed notice.

6.1 “As Is” Basis. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

6.2 No Guarantees. We do not guarantee that the Service will be uninterrupted, secure, or error-free. We do not guarantee any specific business outcomes, revenue, or results from your use of the platform.

6.3 Third-Party Content. Allinka may contain links to third-party websites, services, or content. We are not responsible for the content, accuracy, or practices of any third-party resources.

6.4 Financial Advice. Content shared on Allinka, including mentorship advice, business metrics, and community posts, does not constitute professional financial, legal, or business advice. Always consult qualified professionals before making significant business decisions.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VILLAGE MICRO FUND AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, OR GOODWILL ARISING OUT OF YOUR USE OF THE SERVICE.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS ($100) OR THE AMOUNTS PAID BY YOU TO ALLINKA IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

9.1 By You. You may terminate your account at any time by contacting us or using the account deletion feature in your settings. Upon termination, your right to use the Service will cease immediately.

9.2 By Us. We may suspend or terminate your account at any time, with or without cause, and with or without notice. Reasons for termination include, but are not limited to, violation of these Terms, fraudulent activity, or conduct that we determine is harmful to other users or the platform.

9.3 Effect of Termination. Upon termination, your license to use the Service terminates. We may retain your data as required by law or for legitimate business purposes. Any outstanding payment obligations survive termination.

10.1 Governing Law. These Terms are governed by the laws of the State of California, United States, without regard to its conflict of laws provisions.

10.2 Informal Resolution. Before filing any formal legal proceedings, you agree to first attempt to resolve any dispute informally by contacting us. We will try to resolve the dispute within 30 days.

10.3 Arbitration. If a dispute cannot be resolved informally, it shall be resolved through binding arbitration conducted in accordance with the rules of the American Arbitration Association. The arbitration shall take place in California, and the language shall be English.

12.1 Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Village Micro Fund regarding the Service.

12.2 Severability. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

12.3 Waiver. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

12.4 Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations without restriction.