1. Introduction

GuaranLLC ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website guaranllc.com, use our online language learning platform, purchase our courses or subscriptions, or otherwise interact with our services (collectively, the "Services").

By accessing or using our Services, you agree to the collection and use of your information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our Services. We encourage you to read this Privacy Policy carefully and to check this page periodically for any changes.

GuaranLLC is registered in the State of Wyoming, USA, with our principal place of business at 30 N Gould St Ste R, Sheridan, WY, 82801. Our privacy practices are designed to comply with applicable data protection laws, including the General Data Protection Regulation (GDPR) for European users, the California Consumer Privacy Act (CCPA), and other relevant regulations.

2. Information We Collect

2.1 Personal Information You Provide

We collect personal information that you voluntarily provide when you register for an account, subscribe to our services, make a purchase, fill out a form, communicate with us, or otherwise interact with our Services:

• Identity Data: First name, last name, username, and profile photo.
• Contact Data: Email address, phone number, and mailing address.
• Financial Data: Payment card details, billing address, and transaction history. Payment card information is processed directly by Stripe and is not stored on our servers.
• Profile Data: Preferred language(s), learning goals, proficiency level, and other preferences.
• Communication Data: Records of correspondence, support tickets, and feedback.
• Assessment Data: Language proficiency assessment results and progress tracking data.

2.2 Information Collected Automatically

When you access or use our Services, we automatically collect certain device and usage information:

• Device Information: Device type, operating system, browser type and version, screen resolution, and device identifiers.
• Log Data: IP address, geographic location (country/city level), pages visited, visit dates and times, time spent per page, referring URLs, and features interacted with.
• Learning Analytics: Lesson completion rates, quiz scores, study time, and areas of strength and weakness.
• Cookies: We use cookies, web beacons, and similar technologies. See Section 5 for details.

2.3 Information from Third Parties

We may receive information from third-party sources, including analytics providers, advertising networks, and social media platforms. If you access our Services through a social media platform, we may receive referral source information and associated profile data, subject to your privacy settings on those platforms.

3. How We Use Your Information

• Service Delivery: Create and manage your account, deliver content, track progress, provide support.
• Transaction Processing: Process subscription payments, send confirmations, invoices, and receipts.
• Personalization: Tailor course recommendations, learning paths, and content to your level, goals, and preferences.
• Communication: Service notifications, account updates, security alerts, learning reminders, and promotional communications (with consent).
• Improvement: Analyze usage patterns, conduct research, and develop new features based on aggregate behavior.
• Security: Detect and prevent fraud, abuse, and illegal activities; protect platform and user security.
• Legal Compliance: Comply with applicable laws, regulations, legal processes, and government requests.

4. Information Sharing & Disclosure

We do not sell, trade, or rent your personal information. We may share in these limited circumstances:

• Service Providers: Trusted third parties who assist in operating our platform, processing payments (Stripe), sending emails, analyzing data, and providing support. They are contractually bound to protect your data.
• Legal Requirements: When required by law, in response to legal requests, or to protect rights, safety, or others.
• Business Transfers: In connection with mergers, acquisitions, or sales of assets, subject to continued compliance.
• Consent: When you have given explicit consent to share with third parties.
• Anonymized Data: Aggregated, anonymized data that cannot identify you.

5. Cookies & Tracking Technologies

• Essential Cookies: Required for session management, authentication, and security. Cannot be disabled.
• Functional Cookies: Remember language preferences, display settings, and progress bookmarks.
• Analytics Cookies: Understand visitor interactions anonymously (e.g., Google Analytics).
• Marketing Cookies: Deliver relevant ads and track campaign effectiveness. Set only with consent.

Manage cookie preferences via browser settings. Disabling certain cookies may affect functionality.

6. Data Security

• 256-bit SSL/TLS encryption for all data in transit.
• Encryption at rest for sensitive information.
• Regular security audits, vulnerability assessments, and penetration testing.
• Access controls and authentication limiting data access to authorized personnel.
• Employee training on data protection best practices.

No electronic transmission method is 100% secure. We strive to use commercially reasonable measures but cannot guarantee absolute security. In the event of a data breach, we will notify affected users per applicable legal requirements.

7. Your Rights

• Access: Request a copy of your personal information.
• Rectification: Correct inaccurate or incomplete information.
• Erasure: Request deletion, subject to legal exceptions.
• Restrict Processing: Limit how we use your information.
• Portability: Receive your data in a structured, machine-readable format.
• Object: Object to processing for certain purposes, including direct marketing.
• Withdraw Consent: Withdraw consent at any time without affecting prior lawful processing.

To exercise these rights, contact contact@guaranllc.com. We respond within 30 days and may verify your identity first.

8. Children's Privacy

Our Services are not directed to children under 13. We do not knowingly collect personal information from children under 13. If discovered, we will promptly delete such information. If you believe a child has provided personal information to us, contact us immediately.

9. International Data Transfers

Your information may be transferred to countries other than your own. We use appropriate safeguards including Standard Contractual Clauses, the EU-U.S. Data Privacy Framework (where applicable), and other legally recognized transfer mechanisms.

10. Changes to This Policy

We may update this policy periodically. Material changes will be posted with an updated date and, where appropriate, communicated via email. Your continued use after changes constitutes acceptance.

11. Contact Us

1. Acceptance of Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and GuaranLLC ("Company," "we," "us," or "our"), governing your access to and use of the GuaranLLC website at guaranllc.com, our online language learning platform, and all associated services, tools, features, and content (collectively, the "Services").

By accessing, registering for, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree, you must not access or use our Services. These Terms apply to all visitors, users, students, and others who access or use the Services.

You must be at least 18 years of age (or the age of majority in your jurisdiction) to enter into these Terms. If you are using the Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2. Description of Services

GuaranLLC provides an online language learning platform offering structured courses, interactive lessons, conversation practice, pronunciation training, and language assessment tools across 12 languages (including English, Spanish, French, German, Portuguese, Italian, Japanese, Korean, Mandarin Chinese, Arabic, Russian, and Turkish), spanning proficiency levels from A1 (beginner) to C2 (mastery) per the Common European Framework of Reference for Languages (CEFR).

Services include access to 240+ structured courses, personalized learning paths, progress tracking and analytics, proficiency assessments, certified instructor-led sessions, downloadable resources, and community features. We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time, with or without notice.

3. Account Registration & Security

To access certain features, you must create an account with accurate, current, and complete information. You are responsible for maintaining credential confidentiality and all activities under your account:

• You must not share your account credentials with any third party.
• Notify us immediately of any unauthorized use of your account.
• You are responsible for all content, data, and activity associated with your account.
• We may suspend or terminate accounts inactive for 12 months or more.
• Each individual must have their own account. Account sharing is strictly prohibited.

We are not liable for any loss or damage arising from your failure to comply with these security obligations.

4. Subscriptions & Payments

Certain features require a paid subscription. By subscribing, you agree to pay applicable fees as described on our pricing page, billed in advance monthly or annually in US Dollars (USD) unless otherwise specified.

• Auto-Renewal: Subscriptions auto-renew unless you cancel before the renewal date.
• Price Changes: We may adjust pricing with at least 30 days' advance notice via email.
• Payment Processing: All payments processed through Stripe, Inc. We do not store full card details.
• Free Trials: Available to new subscribers only, limited to one per person.
• Taxes: You are responsible for any applicable taxes, duties, or levies based on your jurisdiction.

5. Intellectual Property

All content, materials, and features through the Services — including text, graphics, logos, images, audio, video, software, course content, lesson materials, assessments, and their design and arrangement ("Content") — are owned by GuaranLLC, its licensors, or content suppliers, protected by US and international intellectual property laws.

• The GuaranLLC name, logo, and all related marks are trademarks. Use requires our prior written permission.
• You receive a limited, non-exclusive, non-transferable, revocable license to use the Services and Content for personal, non-commercial language learning only.
• You may not reproduce, distribute, modify, create derivative works of, or publicly display any Content without prior written consent.

6. User Conduct & Restrictions

When using our Services, you agree not to:

• Use the Services for any unlawful purpose or in violation of applicable laws.
• Impersonate any person or entity or misrepresent your affiliation.
• Interfere with or disrupt the integrity or performance of the Services.
• Attempt unauthorized access to any portion of the Services or other user accounts.
• Use automated means (bots, scrapers, spiders) to access or extract data.
• Share, redistribute, or sublicense your access to any third party.
• Record, copy, download, or capture course content or live sessions for redistribution or commercial use.
• Upload or distribute viruses, malware, or other malicious code.
• Harass, abuse, threaten, or intimidate other users.
• Use the Services to compete directly with GuaranLLC or build a similar product.

7. User-Generated Content

By submitting User Content (comments, reviews, forum posts, etc.), you grant GuaranLLC a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in connection with the Services.

You represent and warrant that: (a) you own or control all rights in your User Content; (b) it is accurate and not misleading; (c) it does not violate any law; and (d) it does not infringe third-party rights. We may remove any User Content at our sole discretion.

8. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, GUARANLLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that: (a) the Services will be uninterrupted, timely, secure, or error-free; (b) results obtained will be accurate or reliable; (c) content quality will meet your expectations; or (d) errors or defects will be corrected.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL GUARANLLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF THE LEGAL THEORY.

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED US DOLLARS ($100 USD).

10. Indemnification

You agree to indemnify, defend, and hold harmless GuaranLLC and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of applicable law or third-party rights; or (d) any User Content you submit through the Services.

11. Termination

You may terminate your account at any time by contacting us or through your account settings. Upon termination, your right to use the Services will immediately cease. GuaranLLC reserves the right to suspend or terminate your account at its sole discretion, without prior notice, for conduct that violates these Terms, is harmful to other users or the platform, or for any other reason we deem appropriate.

The following provisions survive termination: Sections 4 (to the extent of charges incurred), 5, 7, 8, 9, 10, 12, 13, and 14.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, United States of America, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in Sheridan County, Wyoming, and you consent to the personal jurisdiction of such courts.

13. Dispute Resolution

Before filing any legal claim, you agree to first attempt to resolve any dispute informally by contacting us. You must send us a written notice describing the dispute at contact@guaranllc.com. We will attempt to resolve the dispute within 30 days. If the dispute is not resolved, either party may pursue legal remedies as described in Section 12.

YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION AGAINST GUARANLLC. Any claims must be brought in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

14. Miscellaneous

• Entire Agreement: These Terms, together with the Privacy Policy and any other agreements expressly incorporated by reference herein, constitute the entire agreement between you and GuaranLLC regarding the Services.
• Severability: If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect.
• Waiver: The failure of GuaranLLC to enforce any right or provision of these Terms will not constitute a waiver of such right or provision.
• Assignment: You may not assign or transfer these Terms or your rights hereunder without our prior written consent.
• Force Majeure: GuaranLLC shall not be liable for any failure to perform its obligations due to causes beyond its reasonable control.
• Language: These Terms are in English. Any translations are provided for convenience only, and the English version shall govern.

15. Contact Information

1. Overview

At GuaranLLC, we want you to be completely satisfied with your language learning experience. This Refund Policy outlines the circumstances under which we offer refunds, credits, or cancellations for our subscription plans, individual course purchases, and other paid services. By purchasing any of our Services, you acknowledge that you have read and agree to this Refund Policy.

We understand that circumstances change, and we strive to handle refund requests fairly and promptly. This policy applies to all purchases made through our website guaranllc.com and our platform. For any questions not addressed in this policy, please contact our support team at contact@guaranllc.com.

All refund requests are evaluated on a case-by-case basis, subject to the terms and conditions outlined below. GuaranLLC reserves the right to modify this policy at any time, and any changes will be effective immediately upon posting to this page with an updated "Last updated" date.

2. Subscription Refunds

We offer a 14-day money-back guarantee on all new subscription purchases. If you are not satisfied with our Services for any reason within the first 14 days of your initial subscription purchase (not applicable to renewals), you may request a full refund of your subscription fee.

Eligibility Requirements

• The refund request must be submitted within 14 calendar days of the original purchase date.
• Your account must not have been previously refunded for a subscription purchase.
• You must not have abused the refund policy by making repeated purchase-and-refund requests.
• The subscription must be your first-ever subscription to GuaranLLC (the 14-day guarantee applies to new customers only).

Refund requests submitted after the 14-day period will not be eligible for a full refund but may qualify for a partial refund or account credit at our discretion, as described in Section 9.

3. Free Trial Period

GuaranLLC may offer free trial periods for certain subscription plans. During the free trial, you will have limited access to our Services to evaluate the platform before committing to a paid subscription. The following terms apply:

• Free trials are limited to one per user (identified by email address and/or payment method).
• You must cancel before the end of the trial period to avoid being charged for the first billing cycle.
• Payments made after a free trial ends are subject to our standard refund policy (Section 2) — the 14-day money-back guarantee begins on the date your card is first charged, not the trial start date.
• We reserve the right to revoke free trial access if we detect abuse, fraud, or multiple trial registrations from the same individual.

We will send a reminder notification at least 24 hours before your trial expires and your card is charged. However, it is your responsibility to cancel before the trial ends if you do not wish to subscribe.

4. Auto-Renewal Refunds

Subscriptions automatically renew at the end of each billing period (monthly or annual) unless you cancel before the renewal date. For auto-renewed subscriptions, the following refund policy applies:

• Monthly Subscriptions: Refund requests for auto-renewed monthly subscriptions must be made within 7 days of the renewal charge. If eligible, you will receive a prorated refund for the unused portion of the billing period (the days remaining after cancellation), minus a 10% processing fee.
• Annual Subscriptions: Refund requests for auto-renewed annual subscriptions must be made within 14 days of the renewal charge. If eligible, you will receive a prorated refund for the unused full months remaining, minus a 10% processing fee. Partial months are not refunded.
• Upgrade/Downgrade: If you upgrade or downgrade your subscription plan, the change will take effect at the start of the next billing cycle. No prorated refunds or credits are provided for mid-cycle plan changes.

To avoid being charged, you must cancel your subscription at least 24 hours before the renewal date through your account settings or by contacting support. We are not responsible for charges incurred due to failure to cancel in time.

5. Individual Course Purchases

For individual course purchases (if offered separately from subscriptions), the following refund terms apply:

• Within 7 Days and Less Than 25% Completed: If you request a refund within 7 days of purchase and have completed less than 25% of the course content (measured by lessons viewed and assessments completed), you are eligible for a full refund.
• Within 7 Days and More Than 25% Completed: If you have accessed more than 25% of the course, no refund will be issued. This policy exists because accessing course content has inherent value and cannot be "returned."
• After 7 Days: No refunds are available for individual course purchases after the 7-day window, regardless of completion percentage.

Refund eligibility is determined based on our platform's automated tracking of your course progress. Disputes about completion percentage will be resolved based on our system records.

6. Non-Refundable Items

The following purchases and charges are not eligible for refunds, credits, or exchanges under any circumstances:

• Gift cards, promotional vouchers, or discount codes that have been redeemed.
• Services purchased through third-party platforms or resellers (refunds must be requested through the original purchase channel).
• Custom or personalized learning plans created specifically for your needs.
• Charges for account reactivation after a previous cancellation or suspension due to Terms of Use violations.
• Any purchase made more than the applicable refund period (as stated above) ago.
• Purchases made with fraudulent or unauthorized payment methods (these will be reversed and reported).

GuaranLLC also reserves the right to deny refund requests from accounts that have a history of abuse of our refund policy, including but not limited to repeated purchase-and-refund cycles.

7. How to Request a Refund

To request a refund, please follow these steps:

1. Email Request: Send a refund request to contact@guaranllc.com with the subject line "Refund Request — [Your Name] — [Order/Subscription ID]."
2. Required Information: Include your full name, registered email address, the date of purchase, the amount charged, the subscription or course name, and the reason for your refund request.
3. Account Dashboard: Alternatively, you may submit a refund request through your account dashboard under "Billing & Subscriptions" → "Request Refund."

We will acknowledge your request within 1 business day and provide a resolution within 5 business days. If additional information is needed, we will contact you via email.

8. Refund Processing

• Approved Refunds: Refunds will be processed within 5-10 business days of approval and returned to the original payment method used for the purchase.
• Processing Time: While we initiate refunds promptly, it may take an additional 5-15 business days for the refund to appear on your statement, depending on your bank or payment provider.
• Refund Method: Refunds are always issued to the original payment method. We cannot issue refunds to a different payment method or as cash/check.
• Currency: Refunds will be processed in the same currency as the original purchase. If exchange rates have changed, the refunded amount in your local currency may differ slightly.
• Confirmation: You will receive an email confirmation once your refund has been processed, including the refund amount and expected timeline for it to appear on your statement.

If you do not receive your refund within the expected timeframe, please contact your bank or payment provider first. If the issue persists, contact our support team.

9. Partial Refunds & Credits

In cases where a full refund is not available under this policy, GuaranLLC may, at its sole discretion, offer one of the following alternatives:

• Account Credit: A credit equal to the prorated unused portion of your subscription, applied to your GuaranLLC account for future purchases. Credits are valid for 12 months from the date of issuance.
• Plan Downgrade: If you find your current plan does not meet your needs, we may offer to downgrade your subscription to a lower-tier plan and credit the difference toward future billing cycles.
• Service Extension: In certain circumstances (e.g., platform outages affecting your learning), we may extend your subscription period at no additional cost instead of issuing a monetary refund.
• Goodwill Adjustments: For exceptional circumstances not covered by this policy, we may make goodwill adjustments on a case-by-case basis. These decisions are final and made at our sole discretion.

Account credits are non-transferable and cannot be exchanged for cash. Unused credits expire 12 months after issuance.

10. Subscription Cancellation

You may cancel your subscription at any time through your account settings or by contacting our support team. Please note the following:

• Access Until End of Period: Upon cancellation, you will retain access to the Services until the end of your current paid billing period. Your access will not be terminated mid-period (except in cases of Terms of Use violations).
• No Cancellation Fee: There is no fee for canceling your subscription.
• Reactivation: You can reactivate your subscription at any time. Your previous progress and account data will be preserved for 12 months after cancellation. After 12 months of inactivity, data may be deleted.
• Annual Subscriptions: Canceling an annual subscription does not entitle you to a refund of the remaining months unless the cancellation falls within the auto-renewal refund window described in Section 4.

To cancel, go to Account Settings → Billing & Subscriptions → Cancel Subscription, or email contact@guaranllc.com.

11. Changes to This Policy

GuaranLLC reserves the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to this page with an updated "Last updated" date. Material changes that affect existing subscriptions may be communicated via email at least 15 days before they take effect. The policy applicable to your purchase is the one in effect at the time of purchase.

12. Contact Us

For all refund requests, billing inquiries, or questions about this Refund Policy, please contact us: