Terms of Service

Last updated: July 31, 2026

These Terms of Service govern your use of barodainsurance (barodainsurance Unlimited Liability Company) and its services. By accessing and using our website and course materials, you agree to be bound by these terms. We provide digital literacy education and digital skills training through spreadsheet and document editing courses designed for midlife learners aged forty to sixty.

Company Identity and Acceptance

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. We reserve the right to modify these terms at any time. Your continued use of our services following any changes constitutes your acceptance of the modified terms. If you do not agree with any provision of these terms, you must discontinue your use of our website and services immediately. We encourage you to review these terms regularly to stay informed of any updates or changes.

Scope of Services

We provide comprehensive digital skills education focused on spreadsheet and document editing software. Our courses are specifically designed for midlife learners and older adults seeking to develop essential digital literacy competencies. Through our online platform based in Vilnius, we deliver structured learning materials, instructional content, and practical exercises to help participants gain confidence and proficiency in digital tools. Our services include access to course content, educational resources, and learning support to facilitate your digital skills development.

User Obligations and Conduct

As a user of our services, you agree to conduct yourself in a professional and respectful manner. You are responsible for maintaining the confidentiality of any login credentials associated with your account. You agree not to engage in unlawful activities, harassment, discrimination, or any conduct that violates applicable laws or infringes upon the rights of others. You must not attempt to gain unauthorized access to our systems, reverse-engineer our software, or use our services for any purpose other than its intended educational use. We reserve the right to suspend or terminate accounts that violate these conduct standards.

Intellectual Property Rights

All course materials, educational content, software, designs, graphics, and other intellectual property contained within our services are owned by us or our content providers and are protected by copyright and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use these materials solely for your personal educational purposes. You may not reproduce, distribute, modify, or create derivative works based on our content without prior written permission. Unauthorized use of our intellectual property is strictly prohibited and may result in legal action.

Limitations of Liability and Disclaimers

Our services are provided on an "as-is" and "as-available" basis without warranties of any kind. We do not warrant that our services will be uninterrupted, error-free, or meet your specific requirements. To the maximum extent permitted by law, we disclaim all implied warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement. In no event shall we be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, even if we have been advised of the possibility of such damages. Our total liability to you shall not exceed the amount you have paid for our services.

Termination of Services

We may terminate or suspend your access to our services at any time, with or without cause, and with or without notice. Termination may occur if you violate these Terms of Service, engage in unlawful conduct, or for any reason at our sole discretion. Upon termination, your right to access and use our services ceases immediately. Any provisions of these terms that are intended to survive termination, including intellectual property rights and limitations of liability, shall remain in effect. We are not liable to you or any third party for any termination of your access to our services.

Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of the Republic of Lithuania, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located in Vilnius, Lithuania. Any legal action or proceeding arising out of or relating to these terms shall be brought exclusively in such courts. By using our services, you consent to the jurisdiction and venue of these courts and waive any objections to such jurisdiction or venue.

Modifications to Terms

We may update these Terms of Service from time to time to reflect changes in our services, legal requirements, or other factors. We will notify you of material changes by updating the "Last updated" date at the top of this page. Your continued use of our services following the publication of updated terms constitutes your acceptance of the modifications. We encourage you to review these terms periodically to ensure you are aware of any changes. If you do not agree with any modified terms, you should discontinue your use of our services.