Terms of Service

These Terms of Service (“Terms”) are a binding agreement between you (“you” or “User”) and Bookbloom LLC, a limited liability company organised under the laws of the United States of America (“Bookbloom,” “we,” “us,” or “our”).

Bookbloom operates the Knovia brand and platform (“Knovia” or the “Platform”) at knovia.co and related domains, apps, and services. Knovia is a global academic commerce marketplace and infrastructure service through which educators may offer academic products and services, and buyers may discover, purchase, and access them.

Knovia LTD (Nigeria) may be used solely as a local payment-operations vehicle for certain payment-provider relationships. Knovia LTD is not the contracting party under these Terms. Your agreement for use of the Platform is with Bookbloom LLC.

These Terms incorporate by reference our Privacy Policy, Refund & Cancellation Policy, Copyright & DMCA Policy, Content Guidelines, Cookie Policy, Payout Policy, and, where applicable, the Educator Terms and Ambassador Terms. If there is a conflict between these Terms and a more specific policy for a programme or product, the more specific policy controls for that subject.

Knovia is a marketplace intermediary. Educators list and supply products and services; buyers purchase access or services offered by those educators through the Platform. Buyer payments are collected by Bookbloom LLC through licensed payment service providers into Knovia's merchant accounts; educators receive earnings via the wallet and payout process described in the Payout Policy. Except where we expressly state otherwise, Bookbloom does not author educator content, does not guarantee learning outcomes, and is not a party to the academic substance of any listing.

We provide marketplace, payments facilitation, access delivery, and related infrastructure. We may suspend listings, withhold or reverse earnings, or take other actions described in these Terms and related policies to manage risk, fraud, legal compliance, chargebacks, and platform integrity.

Institution names, course codes, and similar labels appearing on the Platform are used as factual descriptive references for discovery and organisation. Unless we expressly state otherwise in a signed writing, Knovia is not affiliated with, endorsed by, or a partner of any educational institution, examination body, or employer. We do not reproduce institution logos or registered marks as marks of affiliation.

You may use the Platform only if all of the following apply:

• You are at least 18 years of age, or you are aged 13–17 and have obtained the consent of a parent or legal guardian who agrees to these Terms on your behalf.
• You have legal capacity to enter a binding contract where you live.
• Your use does not violate applicable law in your jurisdiction.
• Your account has not been suspended or terminated for breach of these Terms.
• You are not prohibited from receiving services under applicable sanctions, export-control, or anti-money-laundering rules, and you are not located in a jurisdiction where we are not permitted to operate.

The Platform is offered on a global basis. Buying is generally available where we can lawfully collect payment. Educator registration and payouts are available in supported countries and corridors as described in the Payout Policy and on the Platform. We may refuse, limit, or discontinue service in any country or to any person where we reasonably believe doing so is required for legal, risk, sanctions, or operational reasons.

Knovia operates distinct account types:

• Buyer accounts: Browse, purchase, access purchased content or services, and (where enabled) leave ratings and reviews. Buyers must confirm their email; additional identity checks may apply where required by law or risk controls.
• Educator accounts: Create drafts, publish listings (subject to verification and commercial unlock), and earn through the Platform. Educators are also bound by the Educator Terms.
• Ambassador accounts: Where offered, subject to the Ambassador Terms.

A person may hold one buyer account and one educator account when both reflect the same natural person. Operating multiple accounts of the same type to evade limits, fees, enforcement, or verification is prohibited.

Accounts are personal and non-transferable. You may not sell, assign, or share account credentials.

Educators may explore the dashboard and create drafts subject to Platform rules. Publishing for sale, withdrawing earnings, and certain other commercial actions require identity verification and commercial unlock as shown in the product experience.

• Identity verification: Submission of identity information and supporting materials (which may include a government ID and a hold-up photo). Attempt limits and manual review may apply. False or impersonated submissions are grounds for permanent termination and may be reported to authorities.
• Enhanced / institutional verification (optional where offered): May unlock additional badges or signals (for example, verified lecturer or verified educator labelling). Paths and requirements are described in the Educator Terms and on the Platform.
• Starter access: A one-time, non-refundable commercial unlock fee (amount and currency shown on the Platform at the time of payment), required before going live to publish and earn, except where we expressly waive it. Internal naming of fee fields may differ; the educator-facing name is Starter access.

We may re-verify identity, request updated documents, or suspend commercial features if we detect risk, mismatch, or regulatory need.

The Platform may offer academic products and services from time to time, which can include academic materials and books, revision drops, bundles, practice assessments, review services, live study sessions, tutoring, and other types we enable. Availability of any type may depend on educator subscription tier, geography, verification status, and Platform configuration.

Listing eligibility, discovery (marketplace vs storefront / direct link), and unpublish behaviour are governed by the Educator Terms and in-product rules. Prior buyers generally retain access to content they already purchased, subject to these Terms and enforcement actions.

Educators may publish under academic brands (publishing identities with storefronts). Unlimited academic brands may be available subject to Platform rules. Verified signals, where earned, attach to the educator account as described on the Platform. Anonymous Mode, where enabled, suppresses institutional affiliation on public surfaces; it does not remove academic brand or category visibility.

Educators retain ownership of original content they upload. By uploading or listing content, you grant Bookbloom LLC a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, display, preview, index, promote (within the Platform), deliver, watermark, and otherwise process that content solely as needed to operate the Platform and fulfil buyer orders. This includes generating covers or previews where you do not supply them, and enabling offline reading of watermarked renders where that feature is offered.

This licence does not transfer ownership of your content to us and does not authorise us to sell your content outside the Platform as a standalone product. The licence ends when content is removed from the Platform, except that we may retain and deliver copies as needed for prior purchasers, legal compliance, dispute evidence, backups, and security.

Bookbloom LLC owns all rights in the Knovia platform, brand, software, interfaces, taxonomies, and related intellectual property. You receive no licence to those assets except the limited right to use the Platform as permitted by these Terms.

By submitting any listing or content, you warrant that:

• The content is your original work, or you hold all rights needed to distribute it on these Terms.
• The content does not infringe third-party intellectual property or other rights.
• Listing it does not breach employment, institutional, contractual, or other obligations binding on you.

You must complete any required attestation at submission. Breach is a material breach of these Terms and may result in removal, account termination, and indemnity claims (Section 25).

The Platform must not be used to facilitate examination fraud, contract cheating, ghostwriting intended for improper academic submission, or other academic misconduct. Educators warrant that their offerings represent legitimate academic knowledge and services consistent with our Content Guidelines. Violations may result in immediate removal and permanent ban.

Educators set prices in their designated currency within the Platform's published price bands for that currency. Buyers may see and pay in a presentment currency converted under Platform rules. Currency conversion and presentment may include commercially reasonable adjustments; the amount charged at checkout is the amount you authorise.

Knovia charges a platform transaction fee on sales. Rates (and any fixed components) published on the Platform to educators are authoritative and may change with notice as required by Section 28. Indicative structure distinguishes local-currency and international sales (see Educator Terms). Enterprise or other negotiated arrangements may apply where expressly agreed. Optional fee pass-through to buyers may be available as configured on the Platform.

Unless a policy expressly states otherwise, promotional discounts reduce the sale amount on which educator earnings are calculated.

Payments are processed by licensed third-party payment service providers selected by us. By using paid features, you authorise us and those providers to process payments, refunds, chargebacks, and related operations. We may change providers without reducing confirmed earnings already owed under the Payout Policy, subject to legal and operational constraints.

Educators consent to us sharing identity and compliance information with payment providers and partners as needed for KYC, AML, fraud prevention, and provider onboarding, as further described in the Privacy Policy.

We may delay, freeze, reverse, or withhold payouts or balances during AML review, sanctions screening, payment-provider review, fraud investigation, chargeback or dispute handling, or material policy investigation. Where practicable, we will notify the affected educator within a reasonable time. Such holds do not, by themselves, constitute breach of these Terms.

Chargebacks and payment disputes: We may deduct chargeback amounts, related provider fees, and reasonable recovery costs from an educator's pending balance, wallet, or future earnings. If the balance is insufficient, we may invoice the educator for the shortfall, which is due upon receipt. Abuse of refunds or chargebacks by buyers is a breach of these Terms.

Unless a listing expressly offers a downloadable file, purchasing digital content grants a personal, non-transferable, non-exclusive licence to access that content for your own private educational use through Knovia. You are not buying unrestricted ownership of the underlying file or a right to redistribute.

Delivery: For access-based digital products, delivery occurs when account-based access is activated after successful payment. Accessing any page or portion of the content (online or offline) constitutes delivery and receipt. Where an educator enables downloadable access, downloaded files may still carry watermarks and remain subject to these licence limits.

Access may be limited by device count, session controls, and similar anti-abuse measures as disclosed on the Platform. Content may be displayed with buyer-identifying watermarks. You must not remove watermarks, circumvent technical protections, copy, redistribute, resell, screen-record, or otherwise share content obtained through the Platform.

We may retain access, device, and session records as needed to operate the service, prevent abuse, and respond to payment disputes, as described in the Privacy Policy.

Refunds and cancellations are governed by the Refund & Cancellation Policy. In summary, digital content purchases are generally final once content has been accessed, subject to limited platform exceptions, product-specific cancellation rules (for example, certain live or tutoring services), and mandatory consumer rights that cannot be waived in your jurisdiction (including where applicable in the EU/UK).

Where required, checkout may ask you to acknowledge early performance / loss of withdrawal rights for digital content. Systematic refund abuse or fraudulent chargebacks are enforcement violations.

Educator earnings equal the applicable sale amount minus the Knovia transaction fee and any other amounts authorised under these Terms (including chargebacks, clawbacks, and programme commissions). Settlement timing, holds (including service-delivery holds and any new-account or compliance holds we apply), minimums, withdrawal fees, and methods are set out in the Payout Policy and may vary by currency and corridor.

Educators are solely responsible for taxes on their earnings. Bookbloom does not withhold, calculate, or remit personal income tax for educators unless required by law. We may provide earnings reports to support your filings.

Subscription tiers for educators (where offered), billing periods, lapse behaviour, and related rules are described in the Educator Terms and on the Platform. Subscription fees are generally non-refundable for unused time once a period has started, except where required by law or expressly stated.

We may operate referral and ambassador programmes. Current programmes, where enabled, may include:

• Ambassador programme: Independent promoters earn educator-set commissions funded from the educator's earnings, not from a reduction of Knovia's fee unless we expressly state otherwise. See the Ambassador Terms.
• Educator recruitment: Where offered, an educator who recruits another educator may earn a limited commission funded from Knovia's share of fees for a defined period, without reducing the recruited educator's earnings rate.

Programme rates, windows, and eligibility are as published on the Platform and may change prospectively. Fraudulent self-referral, fake traffic, or incentive abuse is prohibited.

You must not:

• Use the Platform for unlawful, fraudulent, or abusive purposes.
• Self-purchase or fabricate transactions to manipulate rankings, earnings, or programmes.
• Transact off-platform to avoid fees after using Knovia to find or message the other party.
• Share credentials or allow unauthorised access to your account.
• Redistribute, resell, or publicly share Platform content you access.
• Circumvent technical protections, rate limits, or access controls.
• Scrape, crawl, or harvest data or content except via documented public interfaces we expressly allow.
• Submit fraudulent disputes, chargebacks, or refund claims.
• Upload infringing, deceptive, harmful, or prohibited content (see Content Guidelines).
• Impersonate others or misrepresent affiliation, credentials, or identity.
• Interfere with Platform security, availability, or other users' accounts.

We may investigate suspected violations and take action proportional to severity and pattern, including warnings, content removal, feature limits, suspension, permanent termination, earnings holds, and referral to law enforcement or payment providers.

Serious risk (fraud, illegal content, sanctions exposure, security threat) may justify immediate suspension without prior notice. Appeals for eligible actions: appeals@knovia.co. We decide enforcement in our reasonable discretion.

We respond to valid copyright notices and maintain a repeat-infringer policy consistent with applicable law, including the US DMCA where it applies. Rights holders may contact dmca@knovia.co. Process details, counter-notice rights, and outcomes are in our Copyright & DMCA Policy.

We also use technical and process controls to reduce infringing or duplicate listings before and after publication. Those controls may change over time and do not create a warranty that all infringing content will be detected.

Where enabled, buyers who purchased and accessed a product may submit a rating and review. Reviews must be genuine, lawful, and non-abusive. We may remove reviews that violate these Terms or our policies, and we may use anti-manipulation measures in how ratings are displayed.

Educators may be permitted to reply to reviews where that feature is enabled. Educators may not delete buyer reviews, coerce removal of genuine feedback, or manipulate the review system.

We respect educators who use academic brands or Anonymous Mode. We will not disclose a user's legal identity or institutional affiliation to institutions, employers, or other third parties in response to informal requests. Disclosure may occur when required by law, court order, binding legal process, or as needed to process payments, prevent fraud, enforce these Terms, or protect rights and safety, as described in the Privacy Policy.

After educator identity verification, certain fields (such as legal name, date of birth, primary email, and country of registration) may be locked and changeable only through support, subject to documentation, rate limits, and re-verification. Bank or payout details may be subject to change limits and additional checks. The identity on an educator account must remain that of the verified individual.

Accounts inactive for a prolonged period (for example, 24 consecutive months) may be marked dormant after notice. Confirmed balances below payout minimums that remain unclaimed after an extended inactivity period (for example, 36 months) may be handled in accordance with applicable unclaimed property laws and Platform policy, which may include forfeiture where lawful. We will attempt reasonable notice before adverse action.

THE PLATFORM AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant uninterrupted or error-free operation; that listings are accurate, complete, or lawful; that rankings or discovery results will be favourable or stable; or that any product will meet your educational goals. Payment-provider outages and banking delays are outside our full control.

TO THE FULLEST EXTENT PERMITTED BY LAW, BOOKBLOOM LLC AND ITS AFFILIATES, OFFICERS, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS OR REVENUE; LOST DATA; BUSINESS INTERRUPTION; OR LOSS OF GOODWILL, ARISING FROM OR RELATED TO THE PLATFORM, EVEN IF ADVISED OF THE POSSIBILITY.

OUR TOTAL LIABILITY FOR DIRECT DAMAGES ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS YOU PAID TO KNOVIA FOR PLATFORM FEES IN THE 12 MONTHS BEFORE THE CLAIM, OR (B) USD 50.

Nothing in these Terms excludes liability that cannot be limited under applicable law (including fraud, or death/personal injury caused by negligence where such exclusion is forbidden). EU/UK consumer statutory rights that cannot be waived remain unaffected.

You will indemnify, defend, and hold harmless Bookbloom LLC and its officers, directors, employees, and agents from and against claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Platform; (b) content or services you list or supply; (c) your breach of these Terms or law; (d) infringement or violation of third-party rights; (e) your tax obligations; and (f) disputes between you and another user, except to the extent caused by our wilful misconduct.

This obligation survives termination of your account and these Terms.

We are not liable for failure or delay caused by events beyond our reasonable control, including payment-provider or banking outages, utility or internet failures, labour disputes, war, terrorism, epidemic, natural disaster, or government action. We will resume performance as soon as reasonably practicable.

We make no uptime warranty. We may modify, suspend, or discontinue features. For material changes to these Terms, see Section 28. Marketplace rankings and discovery are not guaranteed.

These Terms are governed by the laws of the State of New Mexico, United States of America, excluding conflict-of-law rules, except that mandatory consumer-protection and data- protection rules of your country of residence may apply to you and cannot be displaced where forbidden.

Before formal proceedings, contact legal@knovia.co and attempt informal resolution for 30 days.

If unresolved, disputes will be settled by binding individual arbitration under the commercial arbitration rules of the American Arbitration Association (AAA), on an individual basis. You and Bookbloom waive class actions and class-wide arbitration to the fullest extent permitted by law. Either party may bring an individual action in small-claims court where that court has jurisdiction. EU/UK consumers retain any non-waivable rights to bring proceedings in their home courts where required by law. Nigerian users may also propose Lagos-based mediation in good faith before arbitration.

Nothing in this section limits rights under the Nigeria Data Protection Act 2023 (NDPA) regarding personal data, or other non-waivable data-protection rights.

We may update these Terms. For material changes affecting your rights or obligations, we will give at least 14 days' notice by email and/or in-product notice where reasonably practicable. Continued use after the effective date constitutes acceptance. If you do not agree, stop using the Platform before the effective date.

Non-material updates (clarifications, corrections) may take effect when posted with an updated “Last updated” date.

These Terms, with incorporated policies, are the entire agreement between you and Bookbloom regarding the Platform and supersede prior agreements on that subject. If any provision is unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a reorganisation, merger, or sale of assets. Notices may be provided electronically to your account email. Sections that by nature should survive (including IP, disclaimers, liability limits, indemnity, and dispute terms) survive termination.

Questions about these Terms:

legal@knovia.co