1. General provisions
This document — Disclaimer and Limitation of Liability (the "Document") — sets out the terms and limits, relating to the scope of liability, for using the "Mind University" platform (available at mdu.lt and mind.university, the "Platform"). The Platform is operated and administered by Multiverse LTD, registered in the Republic of the Marshall Islands (Trust Company Complex, Ajeltake Island, Majuro, MH 96960). Commercial operations are carried out through 3T Media FZE, M1 Floor, Twin Towers, PO Box 4422, Fujairah, United Arab Emirates, Reg./licence no. 20352/2026 (not VAT-registered), which acts as merchant of record.
This Document applies to everyone who visits the Platform, registers on it, browses, reads or otherwise uses any Platform content, services, courses, seminars, digital products or community features — whether they are a registered user or a guest. By using the Platform, you confirm that you have read this Document and agree to all its provisions.
If you do not agree with the terms set out in this Document, please stop using the Platform immediately. Continued use of the Platform after this Document is published, or after any amendment, is deemed unconditional acceptance of all its provisions. This Document must be read together with the Platform's Terms of Use, Privacy Policy and Terms of Sale.
2. Limits of the educational and informational purpose
All material provided on the Platform — including, but not limited to, course videos, written teaching material, podcasts, articles, live seminars, user comments and staff-produced content — is intended exclusively for educational and informational purposes. Platform content is not, and cannot be treated as, professional medical, psychological, legal, financial, veterinary, nutritional or any other licensed professional advice or recommendation.
No information found on the Platform replaces an individual consultation with a qualified professional. Before making any decisions relating to your health, finances, legal matters or psychological wellbeing, always consult a licensed professional in the relevant field. The Platform is in no way liable for consequences arising from Platform content being used in place of professional advice.
The Platform's instructors, lecturers and content creators may share personal experiences, opinions or research findings, but these are not universally applicable advice. Every person is unique, and what works for one may be unsuitable or even harmful for another. Responsibility for how you apply Platform content in practice rests solely with you.
3. Accuracy of content and disclaimer of warranties
The Platform strives to provide accurate, relevant and high-quality information, but does not guarantee or warrant that content published on the Platform is fully accurate, complete, current, reliable or fit for a particular purpose. All Platform material is provided "as is" and "as available", without any express or implied warranties.
Scientific knowledge, research findings and practical recommendations constantly evolve. Information that was correct when Platform content was created may become outdated. The Platform is under no obligation to regularly update all content and is not liable for material failing to reflect the latest research or scientific consensus. You are solely responsible for independently verifying information from other sources.
The Platform disclaims all express and implied warranties, including, but not limited to, warranties of merchantability, fitness for a particular purpose, non-infringement of copyright, or any other warranty arising from statute, custom or other sources. By using the Platform, you acknowledge that the absence of these warranties is an essential condition of the Platform being provided.
4. Non-traditional and alternative disciplines
The "Mind University" Platform includes teaching material and discussion in areas such as radionics, bioenergetics, homeopathy, alchemy, consciousness studies, quantum biology, energy healing, esotericism and other alternative disciplines. The Platform clearly states that these fields do not have a universally recognised scientific basis, or are subject to scientific debate, and their effectiveness has not been proven according to modern medical or natural-science standards.
The presence of these disciplines on the Platform does not mean that the Platform, its management or its staff endorse, recommend or guarantee the effectiveness, safety or suitability of any alternative practice. This content is presented to offer exposure to different world traditions and philosophical perspectives, and to encourage critical thinking.
By using Platform content related to alternative disciplines, you acknowledge and agree that all associated risk rests solely with you. No Platform course, seminar or material may be interpreted as an instruction to forgo conventional medical treatment, medication or medical consultation. The Platform urges all users to remain critical and to consult healthcare professionals.
5. Medical and health information disclaimer
The Platform is not a medical institution, hospital, clinical organisation, or licensed healthcare provider. No Platform content — including articles, videos, nutritional recommendations, meditation practices, supplement descriptions or energy-work methods — is, or can be treated as, a medical diagnosis, treatment recommendation, prescription, or medical decision.
The Platform strictly prohibits interpreting any information on it as a basis for refusing, delaying or changing conventional medical treatment. If you have health problems, pain or symptoms, consult a qualified doctor without delay. The Platform is not liable for any health complications caused by using Platform content in place of medical treatment.
Particular attention is drawn to the fact that information about dietary supplements, herbs, homeopathic preparations, detoxification procedures or nutritional protocols must not be applied without an individual doctor's consultation, especially for people with chronic conditions, those taking medication, or those who are pregnant or breastfeeding.
6. Disclaimer of financial results
The Platform offers courses and programmes covering personal development, entrepreneurship, financial psychology and life coaching. The Platform does not guarantee or promise any income, profit, business results, financial independence or other material achievements that you might attain by using the Platform's services.
Any result examples, success stories or testimonials presented on the Platform are individual cases and do not guarantee similar results for other users. Financial results depend on individual effort, experience, market conditions, geographic location and many other circumstances the Platform cannot control.
No course or programme is a guaranteed investment. Responsibility for all financial decisions rests solely with you. The Platform recommends consulting licensed financial professionals before making significant financial decisions.
7. User-generated content
The Platform allows users to create, publish and comment on content — including comments, discussion posts, questions, answers, reviews and multimedia material (referred to as "UGC"). The Platform is not the publisher of, and does not endorse, any position, statement or opinion expressed by a UGC author. Each user is individually responsible for the legality and accuracy of their own content.
The Platform reserves the right, but assumes no obligation, to moderate, edit or remove any UGC that breaches the Terms of Use, is misleading, harmful or unlawful. The Platform is not liable for any harm arising from the use of, or reliance on, UGC.
8. Links to third-party websites
The Platform may include links to third-party websites that are not part of the Platform and are not controlled by it. These links are provided solely for users' convenience and do not mean that the Platform endorses or guarantees the quality or reliability of any third-party content.
The Platform assumes no liability for the content, privacy practices, or any harm arising from the use of third-party websites. Once you leave for a third-party website, you are governed by its own rules, not ours.
9. Technical failures and service availability
The Platform strives to ensure stable service delivery, but does not guarantee 100% uptime. Technical failures, server outages, cyberattacks or force majeure events may disrupt the Platform's operation at any time.
The Platform is not liable for any losses arising from Platform unavailability, data loss, or any other technical disruption. Users are responsible for backing up their own data. The Platform reserves the right to suspend or modify any service at any time, without prior notice.
10. Limitation of liability
To the extent permitted by applicable law, Multiverse LTD, 3T Media FZE, Platform staff, management, partners, instructors and other persons associated with the Platform are not liable for any indirect, incidental, special or consequential damages — including loss of profit, loss of data, or loss of use — even if the Platform was advised of the possibility of such damages.
The Platform's total liability in any case shall not exceed the amount you paid to the Platform in the preceding 12 months before the claim was made. This limitation applies to all types of claims — contractual, tortious or on any other legal basis.
Consumers in the EU and the Republic of Lithuania benefit from additional protection under mandatory consumer-rights law that this limitation cannot override. These limitations do not apply to the extent they would conflict with mandatory consumer-protection rules of your country of residence.
11. Jurisdiction and governing law
This Document is governed by the law of the Republic of the Marshall Islands. Disputes that cannot be resolved by negotiation are heard in the competent courts of the Republic of the Marshall Islands, unless mandatory rules of another jurisdiction require otherwise.
Consumers in the European Union, including citizens of the Republic of Lithuania, benefit from additional protection under EU consumer-rights directives and the provisions of the Lithuanian Civil Code. EU consumers may also use alternative dispute-resolution mechanisms via the European Commission's platform: ec.europa.eu/consumers/odr.
12. Liability for commercial transactions
All commercial transactions — course purchases, seminar registrations, digital product purchases and subscriptions — are handled by 3T Media FZE (M1 Floor, Twin Towers, PO Box 4422, Fujairah, United Arab Emirates, Reg./licence no. 20352/2026, not VAT-registered) as merchant of record. This company is the official seller and assumes all commercial liability. Technical order processing and payment are carried out via the mr.lt (Rezervuok) platform (operator: UAB Elektroniniai Sprendimai, Lithuania). Products under the "Biomind" brand are manufactured by, and are the property of, Multiverse LTD.
All questions relating to invoices, returns and payments are handled with 3T Media FZE under a separate Sale-Purchase Agreement and Refund Policy. The Platform is not liable for the actions of third-party payment processors or banks.
13. Proof of loss
When submitting a claim against the Platform, you bear the full burden of proof: you must prove that losses were actually incurred, that they arose directly from the Platform's actions, their precise monetary amount, and that you took steps to mitigate the losses. Speculative or hypothetical claims of loss are not accepted.
All claims must be submitted within 12 months of when you became aware of the alleged harm — otherwise the right to claim is deemed lost, to the extent permitted by applicable law.
14. Amendments
The Platform reserves the right to amend this Document at any time. Amendments take effect from the date of publication. We will endeavour to notify you of material changes by email or a notice on the Platform. You will always find the latest version on the Platform's website.
By continuing to use the Platform after amendments are published, you agree to the updated Document. For questions about this Document, contact: we@mind.university.