Kyvio (“the company” or “us” or “we”) owns multiple internet sites, including kyvio.com (“Site”). By using the Site, all products and services of Kyvio (“Service”), you are agreeing to be bound by the following terms and conditions (“Terms of Service”). Kyvio reserves the right to update and change the Terms of Service from time to time without notice. Any new features that augment or enhance the current Site and Service, including the release of new tools, software and resources, shall be subject to the Terms of Service. Continued use of the Site and Service after any such changes shall constitute your consent to such changes. Violation of any of the terms below will result in the termination of your Membership. You agree to use the Service at your own risk.