TERMS & CONDITIONS.

**Effective Date:** 15OCT2024
**Last Updated:** 15OCT2024

Welcome to the **Institute of Strategy and Tactics Research (ISTR)** website. By accessing or using our website and services, you agree to comply with and be bound by these Terms and Conditions ("Terms"). Please read these Terms carefully, as they outline your legal rights and obligations and govern your use of our website, services, and any transactions you make through our site. These Terms comply with international guidelines, laws, and regulations, including those required by most payment processing systems (such as Shopify, Stripe, PayPal, etc.).

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### **1. Acceptance of Terms**
By accessing or using the ISTR website and related services, you agree to be bound by these Terms and any additional guidelines, policies, or rules applicable to our services. If you do not agree with any part of these Terms, please do not use our website or services.

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### **2. Changes to Terms**
ISTR reserves the right to modify, update, or change these Terms at any time. Any changes will be effective immediately upon posting the updated Terms on our website. Your continued use of our website after the posting of any changes constitutes your acceptance of the modified Terms. It is your responsibility to review these Terms periodically.

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### **3. Use of Website**

#### a. **Eligibility**
You must be at least 16 years old to use this website and agree to provide accurate and complete information during any registration or transaction process. If you are using our services on behalf of a business or organization, you confirm that you have the legal authority to bind that entity to these Terms.

#### b. **Prohibited Uses**
You agree not to:
- Use the website for any illegal or unauthorized purposes.
- Interfere with the proper functioning of the website or disrupt other users' access.
- Use any automated system (e.g., bots, spiders) to access the website without our written permission.
- Post or transmit any harmful, threatening, defamatory, or unlawful content.

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### **4. Intellectual Property Rights**
All content, including text, graphics, logos, icons, images, audio clips, and software available on this website, is the property of ISTR or our licensors and is protected by international copyright, trademark, and other intellectual property laws. You are not permitted to use, reproduce, or distribute any content from our website without prior written consent from ISTR.

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### **5. Payments and Fees**

#### a. **Payment Processors**
ISTR utilizes third-party payment processors, including **Shopify, Stripe, and PayPal**, to facilitate payments. By making any purchase on our website, you agree to the payment processing terms and conditions of these platforms. ISTR does not store or retain your credit/debit card details.

#### b. **Payment Terms**
All payments for products, services, donations, or subscriptions must be made in full at the time of the transaction unless otherwise specified. Prices are subject to change, and we reserve the right to modify pricing at any time. Payments must be made using a valid payment method (e.g., credit/debit card, PayPal) accepted by our payment processors.

#### c. **Currency**
All prices listed on our website are in [Insert Currency], unless otherwise stated. Any currency conversion fees or international transaction charges applied by your payment provider are your responsibility.

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### **6. Refund Policy**
Refunds for services, donations, or products may be issued at the discretion of ISTR, and specific refund policies for each transaction will be outlined at the time of purchase. In the event of a refund, the refunded amount will be credited to the original payment method.

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### **7. Shipping and Delivery**
For physical products or materials purchased through our website, ISTR will provide estimated shipping and delivery times. These times are estimates only, and ISTR is not responsible for delays caused by shipping carriers or unforeseen circumstances. Shipping costs, where applicable, will be provided at the time of purchase.

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### **8. Limitation of Liability**
To the fullest extent permitted by applicable law, ISTR and its affiliates, directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of the website, services, or products. This includes, without limitation, loss of revenue, loss of data, or business interruption.

ISTR's total liability to you for any damages arising from or related to your use of the website or services will not exceed the amount paid by you to ISTR in the 12 months preceding the event giving rise to liability.

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### **9. User Accounts**

#### a. **Account Registration**
To access certain features of our website, you may be required to register for an account. You agree to provide accurate, current, and complete information during registration and update such information as necessary.

#### b. **Account Security**
You are responsible for maintaining the confidentiality of your account credentials and are liable for any activities that occur under your account. Please notify us immediately if you suspect any unauthorized use of your account.

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### **10. Third-Party Links and Services**
Our website may contain links to third-party websites, services, or resources that are not owned or controlled by ISTR. We are not responsible for the content or privacy practices of these third-party sites. Your interactions with these websites are governed by their own terms and conditions.

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### **11. Privacy**
We are committed to protecting your privacy and handling your personal data in compliance with applicable privacy laws and regulations, including the **GDPR**, **CCPA**, and **PIPEDA**. Please refer to our [**Privacy Policy**](insert link) for details on how we collect, use, and protect your personal information.

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### **12. Termination**
ISTR reserves the right to terminate or suspend your access to the website or services, without prior notice, for conduct that we believe violates these Terms or is harmful to other users or ISTR. Upon termination, all rights granted to you under these Terms will cease immediately.

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### **13. Governing Law**
These Terms are governed by and construed in accordance with the laws of **[Insert Country/State]**, without regard to its conflict of law principles. Any disputes arising from or relating to these Terms shall be resolved in the courts of **[Insert Jurisdiction]**.

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### **14. Dispute Resolution**

#### a. **Arbitration**
If a dispute arises between you and ISTR, we encourage you to contact us directly to seek resolution. If the matter cannot be resolved informally, any dispute or claim will be settled by binding arbitration in accordance with the rules of **[Insert Arbitration Body]**.

#### b. **Class Action Waiver**
You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

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### **15. Force Majeure**
ISTR will not be liable for any failure to perform its obligations under these Terms due to events beyond its reasonable control, including but not limited to natural disasters, acts of war, governmental action, or failures of the internet.

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### **16. Severability**
If any provision of these Terms is deemed invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will continue in full force and effect.

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### **17. Contact Information**
If you have any questions about these Terms, please contact us at:

**Institute of Strategy and Tactics Research (ISTR)**  

ADDRESS
1401 21st ST # 5282
Sacramento, CA 95811

PHONE
+1-657-427-3431

EMAIL
info@istr.global

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By using our website and services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.