Terms of Service

Please read our User Agreement carefully before using the Child Development website (the “Site”).

If you do not agree to this user agreement, you must not use the Site and its services. Please check this User Agreement from time to time, as changes to this User Agreement indicate that you accept them from the moment such changes are made.

You can use the Site and all its services subject to the terms of this User Agreement, as well as consent to the Privacy Policy of the site, which is located at https://bankyuga.us/privacy.html

1. Use of the Site and its content.

1.1. All materials of the Site, including text, graphics, images, information of forum users, as well as other materials contained on this site (hereinafter referred to as the “Materials”) are provided for personal use only.

1.2. The materials posted on the Site are not professional advice for the purpose of providing any medical, legal, psychological or other professional services. Therefore, the Site Materials should not be relied upon or used as a substitute for consultations with doctors, qualified health professionals, attorneys or other professional consultants. Always seek advice from your doctor or other competent health care consultant with questions you have regarding any medical conditions.

1.3. We may change, suspend or close this site or any of its contents, at any time and for any reason, without prior notice to the User. The Site may become unavailable due to maintenance or malfunction of computer equipment or for other reasons. We may also charge an additional fee for the use of any Site Materials at any time after notifying Users.

1.4. It is forbidden to use special software tools or programs to scan and download any materials posted on the Site. When using such software products, the user or his account may be blocked without time limit or deleted without the possibility of recovery.

2. Registration and confidentiality

2.1. The rules regarding the collection and use of the User’s personal information are set out in the Privacy Policy, which is located at: privacy page

2.2. To use some services of the Site, the User must register on the Site and create a User profile (hereinafter referred to as the “Profile”).

2.3. The site is intended exclusively for persons residing in the territory of the Russian Federation. We do not represent that the Materials presented on the Site are applicable and may be used in other countries. Those who access the site from other locations do so on their own initiative and at their own risk, and are responsible for complying with local laws, if and to the extent applicable. We reserve the right to restrict access to the Site to any person, geographic area or jurisdiction at any time and in our sole discretion.

3. Copyright

3.1. The site and its content are the property of the site “Child Development” and are protected from unauthorized copying and distribution on the basis of the Law of the Russian Federation “On Copyright and Related Rights”, the Law of the Russian Federation “On Trademarks, Service Marks and Appellations of Origin of Goods”, international conventions and other laws on intellectual property.

3.2. No part of the Site may be reproduced or transmitted to any person in any form, by any means, electronic or mechanical, including photocopying and recording, except for the following conditions:

The materials of the site can be used exclusively for non-commercial, informational purposes. It is allowed to use materials in kindergartens, schools and individual classes, the use of materials by tutors in the process of teaching children, etc. With the specified use of the Site Materials, it is not allowed to change the content, as well as remove trademarks, copyright inscriptions and other proprietary rights notices.

3.3. If you are interested in republishing, replicating or otherwise distributing the Site Materials, please contact us at office@bankyuga.us.

4. Use of the Site Materials by the User.

4.1. You may not publish, upload, distribute or otherwise transmit the Site Materials on the Internet (chats, forums, bulletin boards, file sharing services or any other means) without our prior written permission. Altering the content or use of the content for any purpose other than personal, non-commercial use is a violation of our copyright and other proprietary rights and may result in legal liability.

5. Shopping

5.1. Your purchases on the Site are made on the terms specified in this User Agreement, as well as taking into account the Privacy Policy.

5.2. Access to part of the Site Materials is carried out on a paid basis (hereinafter referred to as the “Paid Access”). Such materials include: practical tasks posted in the section https://bankyuga.us/worksheets/,practical tasks formed with the help of the “Task Generator” posted at the https://bankyuga.us/generator/,Diplomas and Commendation Certificates posted at the address of the https://bankyuga.us/diploma/ (hereinafter referred to as the “Paid Materials”).

5.3. On the basis of this User Agreement and for informational purposes, the Site provides Users with the opportunity to free access to some Paid Materials to a limited extent by the Site.

5.4. Unlimited access to the Paid Materials is provided after payment of its cost on the “Premium” page at https://bankyuga.us/premium.html.

5.5. Unlimited access to the Paid Materials of the Site is limited in time and is provided to Users for at least 30 days after purchase. The period for which unlimited paid access to the materials of the Site is provided is indicated on the “Premium”and cannot be changed by the Site after payment.

5.6. The maximum number of files that the user can download daily (during the day) is 300 files. When this limit is reached, file downloads are blocked. The ability to download files resumes the next day.

5.7. Prices for unlimited access to Paid Materials may change at any time without prior notice to users. The prices for the unlimited access to the Paid Materials already granted to any User may not be changed in any way until the expiration of the unlimited access period.

5.8. The Site does not refund funds for previously paid access to Paid Materials and does not make refunds in case of price reduction for other users as a result of various promotions or the provision of time-limited discounts.

5.9. If the User has changed his mind regarding the purchase of Paid Access to the Paid Materials of the Site, he may request a refund within 14 days from the date of the transaction, provided that the User has not started and has not downloaded the Paid Materials of the Site after the payment. All other purchases on the Site are final and non-refundable.

5.10. Any questions related to the refund should be sent to the e-mail address: office@bankyuga.us.

5.11. Information about all purchases made is displayed on the User’s “Profile”.

5.12. Any questions related to payment or downloading of Paid Materials should be sent to the e-mail address: office@bankyuga.us.

6. Send messages to users

6.1. The Site may send various messages to the User by e-mail, which is specified by the User when registering the “Account”. Messages that are sent to the user may include the following content: information about new content, information about various promotions and discounts, information of an advertising nature of third parties, technical information about the use of the Site, information about new services.

6.2. By creating an account on the Site, the user automatically agrees that he can be sent letters to the e-mail address specified when creating the account, the subject of which is specified in clause 6.1. of this agreement.

6.3. Refuse to receive e-mails specified in clause 6.1. The user can edit his profile on the site, which is located at the address: Lisa D. Hernandez – All the most important things about life or by clicking on the appropriate link in any of the received e-mails.