This policy is effective September 1, 2012.


Welcome to VIP Learning Corp. and Kahrds-its product (the being the informational website and being the "Web site"), an online, interactive web site and service that connects people to create learning sets or flash card sets that can be used to study and acquire knowledge. The generated sets can be used for personal use only, by limited audience notified by the creator of the sets via email, or shared online on by allowing all other kahrd's members view your sets marked ‘public' and or save them as their own. The Web site, service and network (collectively, the "Service") are operated by VIP Learning Corp. and its corporate affiliates (collectively, "us", "we" or "Kahrds"). By accessing or using our Website at or directly through, you (the "User") agree that you have read, understand and agree to be bound by these Terms of Use ("Terms of Use" or "Agreement"), whether or not you are a registered member ("Member") of the Service. We reserve the right, at our sole discretion, to change, modify, add, or delete portions of these Terms of Use at any time without notice. If we do this, we will post the changes to these Terms of Use on this web page and will indicate at the top of the Terms of Use the date they were last revised. Any new Terms of Use are effective upon posting and your continued use of the Service after such posting constitutes your acceptance of the new Terms of Use. If you do not agree to abide by these or any future Terms of Use, do not use or access (or continue to use or access) the Service. It is your responsibility to regularly review the Terms of Use to determine if there have been changes.

Please read these Terms of Use carefully as they contain important information regarding your legal rights, remedies and obligations.


The usage of and (its mobile versions?) is designed for users of all ages. If you are under the age of 13, you must use an account created by a parent, guardian or teacher, and you must have the explicit permission of a parent or guardian to use the Service. By signing up for an account, you warrant that all information required to register is accurate and truthful and that you will maintain the accuracy of that information. Membership and access to the Service is void where prohibited.


This Agreement shall remain in full force and effect while you use the Services or are a Member. You may delete your account and end your membership at any time, for any reason by following the instructions on the My Account page. Kahrds may terminate your membership for any reason, at any time. Even after termination, your obligations under this Agreement will remain in effect. You understand that termination of this Agreement and your account may involve deletion of your Kahrds information from our live databases as well as any Member Content that you have uploaded to the Service or created on the Service using your account. You agree that Kahrds will not have liability whatsoever to you for any termination of your account or related deletion of your information or Member Content.


You acknowledge that Kahrds reserves the right to charge for the upgraded account and to change our subscription fees as designated, from time to time in its discretion, upon posting such policy on the Service. Our billing will be done by Paypal. We will not receive any of your personal information regarding your credit card number, billing address etc. You will not have to create a Paypal account to pay for your Kahrd's upgraded account. You will be able to pay for your upgraded Kahrds account on which will be linked directly to Please check terms and policy regarding billing and how it works at You will be able to use any of the credit cards accepted by Paypal to pay for your upgraded Kahrds account.

Kahrds does not accept cash, checks or any other payment form, although it reserves the right to change this policy in the future. Your credit card issuer agreement governs your use of your designated credit card, and you must refer to that agreement and not this Agreement to determine your rights and liabilities as a cardholder. You agree that no additional notice or consent is required before Kahrds (via Paypal) invoices the credit card for all amounts due and payable. By providing Paypal with your credit card number and associated payment information, you agree that Paypal is authorized to immediately invoice your account for all fees and charges due and payable to Kahrds as a result of your subscription to an upgraded version of a Kahrds account. You agree to immediately notify Paypal (via Kahrds) of any change in the credit card used for payment hereunder or in any associated information. Kahrds reserves the right, at any time, to change its prices and billing methods for an upgraded Kahrds account services, either immediately upon posting on the Service or by e-mail delivery to you.


You must notify us in writing within seven (7) days after receiving your credit card statement, if you dispute any of our charges on that statement or such dispute will be deemed waived. Such notification shall be sent to the following address:

Password and Account Security

When you sign up to become a Member, you will be asked to choose a password. It is your responsibility to maintain the confidentiality of your password, account and data. You agree not to use the account, email address or password of any other Member at any time. You are solely responsible for all activity by anyone using your account and/or password. If you suspect unauthorized use of your account or your password, please contact us at

Member Conduct

You understand that the Service is available for your personal, non-commercial use only. You agree that no Member Content of any kind submitted by your or through your account will violate or infringe upon the safety or rights of any other members or third party, including but not limited to copyright, trademark, privacy or other personal or proprietary rights or contain libelous, defamatory or otherwise unlawful or illegal material. You are solely responsible for all content of your entire Kahrds account and any harm resulting from that content.

You further agree not to scrape, harvest or collect email addresses or other contact information of Members from the Service by electronic or other means for any commercial purpose, for sending unsolicited emails or other unsolicited communications. Additionally, you agree not to use automated scripts to collect information from the Service or for any purpose. You further agree that you may not use Service in any unlawful manner or in any other manner that could damage, disable, overburden or impair Service. In addition, you agree not to use the Service to:

  • upload, post, email, transmit or otherwise make available any Member Content that we deem, in our sole discretion, to be harmful, threatening, abusive, deceitful, misleading, harassing, vulgar, offensive, obscene, hateful, or racially, ethnically or otherwise objectionable;
  • exploit anyone in a sexual or violent manner;
  • solicit personal information for unlawful purposes from other Kahrds's users;
  • promote or support any type of illegal or criminal activity. This includes and is not limited to: criminal or tortuous activity including child pornography, drug trafficking or dealing, fraud, trafficking in obscene material, harassment, spamming, stalking;
  • impersonate any person or entity, or falsely state or otherwise misrepresent yourself or your affiliation with any person or entity;
  • upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, bulk email, advertisements, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;
  • upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
  • intimidate or harass another; or
  • use or attempt to use another's account, service or system without authorization from Kahrds, or create a false identity on this Service.

Proprietary Rights in Content on the Service

All content on the Service, including but not limited to design, text, graphics, other files, and their selection and arrangement (the "Content") and all associated patent, trademark, service mark, trade dress, trade secret, copyright, and other intellectual property rights, are the property of Kahrds or its licensors. All rights reserved. The Content may not be modified, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without Kahrds's prior written permission under a separate agreement. You may download or print a copy of any portion of the Content solely for your personal, non-commercial use, provided that you keep all copyright or other proprietary notices intact. You may not republish Content on any Internet, Intranet or Extranet site or incorporate any of the Content in any other database or compilation. Any other use of the Content is strictly prohibited.

All trademarks, logos, trade dress and service marks on the Service are the sole property of Kahrds or its licensors and may not be copied, imitated, or used, in whole or in part, without the prior written permission of Kahrds under a separate agreement.

Member Content Posted on the Service

All users are asked to create sets with content directly related to the subject matter which is meant to be studied. You are entirely responsible for ALL content that you publish or display (hereinafter, "post") on the Service, or transmit to other Members through the Service (collectively the "Member Content"). You understand and agree that Kahrds may, but is not obligated to, review and delete or remove any Member Content that in the sole judgment of Kahrds violates this Agreement or for any other reason. VIP-Learning reserves the right to investigate and or take appropriate legal action against any Kahrds's users which violate this provision.

By posting Member Content to any part of the Service, you hereby grant, and you represent and warrant that you have the right to grant, to Kahrds an irrevocable, perpetual, non-exclusive, transferable, fully paid, worldwide license (with the right to sublicense) to use, copy, perform, display, modify, publish, reformat, translate, excerpt (in whole or in part) and distribute such Member Content and to prepare derivative works of, or incorporate into other works, such information and content, and to grant and authorize sublicenses to do the foregoing.

Public Sets

Public sets are created by Kahrds's users. They are not reviewed by Kahrds or anybody else other than the creator of the sets themselves. Kahrds is therefore not responsible for the content of the sets. We can not guarantee that these sets are accurate and will not harm you or your computer system, so it is your responsibility while choosing to access a public set to take the necessary precautions.

Copyright Policy

We respect the intellectual property rights of others. If you are a copyright owner or an agent thereof and believe that any Content or any material on the Service infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA") by providing our Copyright Agent with the following information in writing (see 17 U.S.C. §512(c)(3) for further detail):

(i) A physical or electronic signature of the owner of the right that is allegedly infringed or a person authorized to act on their behalf;

(ii) Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of the copyrighted works;

(iii) Identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate the material on the Service;

(iv) Information reasonably sufficient to permit us to contact the owner or agent, such as an address, telephone number, and email address;

(v) A statement that the owner or agent has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

(vi) A statement that the information in the notification is accurate, and under penalty of perjury, that you are the owner or are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Our designated Copyright Agent to receive notifications of claimed infringement is:

Links to Other Web Sites or Advertisements

The Service contains links to other web sites or advertisements. Kahrds is not responsible for the content, accuracy or opinions expressed in such web sites or advertisements, and such web sites are not investigated, monitored or checked for accuracy or completeness by us. Inclusion of any linked web site on the Service does not imply approval or endorsement of the linked web site by Kahrds. If you decide to access these third-party web sites, you do so at your own risk.

Member Disputes

You are solely responsible for your interactions with other Kahrds Members. Kahrds reserves the right, but has no obligation, to monitor disputes between you and other Members.


Kahrds cares about the privacy of its Members. View Our Privacy Policy, which is incorporated into this Terms of Use.


Kahrds is not responsible for any Member Content, including Member Content that violates this Terms of Use or is offensive, incorrect or inaccurate, whether such condition is caused by users of the Service, Members or by any of the equipment or programming associated with or utilized in the Service. Kahrds is not responsible for the conduct, whether online or offline, of any user or Member of the Service. You understand that the Service may be temporarily unavailable from time to time. KAHRDS DOES NOT ENDORSE, GUARANTEE, REPRESENT OR WARRANT THE BOOKS, PRODUCTS, CONTENT, ADVERTISEMENTS, OR ANY MEMBER CONTENT ON THE SERVICE. Kahrds assumes no responsibility for any error, omission, interruption, unavailability, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, user or Member communications. Kahrds is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or at any web site or combination thereof, including injury or damage to users and/or Members or to any other person's computer related to or resulting from participating or downloading materials in connection with the INTERNET and/or in connection with the Service. Under no circumstances will Kahrds be responsible for any loss or damage, including personal injury or death, resulting from anyone's use of the Service, any Content posted on the SERVICE or transmitted to Members, or any interactions between users of the SERVICE, whether online or offline. THE SERVICE AND THE CONTENT ARE PROVIDED "AS-IS" AND "AS AVAILABLE," AND KAHRDS DISCLAIMS ANY AND ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. MIXBOOK.COM CANNOT GUARANTEE AND DOES NOT PROMISE AVAILABILITY OF THE SERVICE OR ANY SPECIFIC RESULTS FROM USE OF THE SERVICE. THIS SECTION SHALL APPLY TO THE MAXIMUM EXTENT ALLOWED BY APPLICABLE LAW.

Limitation on Liability


The Terms of Use and any dispute about or involving the Service will be governed by the laws of the State of Florida without regard to its conflict of law provisions. You also agree to the exclusive jurisdiction and venue of the courts of the state and federal courts of Santa Clara County, California and waive all claims of lack of personal jurisdiction and forum non conveniens. Any cause of action by you with respect to the Service must be instituted within one (1) year after the cause of action arose or be forever waived and barred.


You agree to indemnify and hold Kahrds, affiliates, officers, agents, partners and employees, harmless from any loss, liability, claim, or demand, including reasonable attorney's fees, made by any third party due to or arising out of your use of the Service in violation of this Agreement or your violation of any law or the rights of a third party.


These Terms of Use constitute the entire agreement between you and Kahrds regarding the use of the Service, superseding any prior agreements between you and Kahrds relating to your use of the Service. The failure of Kahrds to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. If any provision of this Agreement is held invalid, the remainder of this Agreement shall continue in full force and effect. Kahrds may assign its rights under this Agreement to any third party without notice or consent. By using the Service, you consent to us contacting you via email or other electronic means. To opt out receiving electronic communications, e-mail us at

The first 10 Kahrds sets are free of charge. Once the limit of free Kahrds sets is reached, every user can upgrade their account to have an unlimited number of Kahrds sets.