Terms of Use

Last updated: December 26, 2025

The present Terms of Use (hereinafter "Terms") govern access to and use of the website www.usakat.com, published by TIMILIA LLC.

1. Object

The USAKAT website aims to provide information, training and support services related to credit and financing in the United States.

2. Access to the Site

Access to the site is reserved for adults (18 years old minimum). The user agrees to provide accurate information when registering.

3. Services Offered

USAKAT offers informative and educational content and support services. USAKAT is neither a bank nor a financial institution.

4. Liability

USAKAT does not guarantee automatic obtaining of credits or financing. Results depend on the individual situation of the user and third-party organizations.

5. Intellectual Property

All content on the site (texts, logos, videos, trademarks) are protected and remain the exclusive property of TIMILIA LLC.

6. Personal Data

The processing of personal data is governed by the Privacy Policy available on the site.

7. Payments

Payments are processed via Stripe. No payment method is stored by USAKAT.

7.1 Refund Policy

Payments, cancellations, subscriptions, and refunds are governed by the Refund Policy available on the website. The Refund Policy forms an integral part of these Terms of Use.

8. Termination

USAKAT reserves the right to suspend or terminate access to its services in the event of a breach of these Terms.

9. Applicable Law

These Terms are governed by the laws of the United States.