Welcome to ViliKolo.com. By accessing or using our services across the ViliKolo.com Group, which includes Grace Nursery & Garden, V. Konsultancy, and MOM Finance, you agree to be bound by the following terms and conditions. Please read them carefully.

1. General Use:

   • Our services are provided as is, and we make no guarantees or warranties of any kind, express or implied, regarding the operation of our services or the information, content, or products included on our website.

2. Grace Nursery & Garden:

   • Products and services are subject to availability. Prices and delivery charges are subject to change without notice.
   • Returns or exchanges must be made within a specified period from the date of purchase, provided the items are in their original condition.

3. V. Konsultancy:

   • The consultancy services provided are based on the information provided by the client. We are not liable for any decisions made based on our consultancy.
   • Confidentiality of all client information is paramount, and we adhere to strict data protection protocols.

4. MOM Finance:

   • Loan applications are subject to approval. We reserve the right to refuse service or loan applications at our discretion.
   • Repayment terms and conditions will be clearly outlined in the loan agreement. Failure to comply with these terms may result in penalties.

5. Intellectual Property Rights:

   • All content on ViliKolo.com, including text, graphics, logos, and images, is the property of ViliKolo.com Group or its content suppliers and protected by international copyright laws.

6. Limitation of Liability:

   • ViliKolo.com Group will not be liable for any damages arising from the use of our services, including, but not limited to direct, indirect, incidental, punitive, and consequential damages.

7. Changes to Terms and Conditions:

   • We reserve the right to make changes to our website, policies, and these Terms and Conditions at any time. Your continued use of the website following any changes indicates your acceptance of these changes.

8. Governing Law:

   • These terms and conditions are governed by and construed in accordance with the laws of the jurisdiction in which ViliKolo.com Group operates.

By using any service provided by ViliKolo.com Group, you signify your agreement to these terms and conditions. If you do not agree to these terms, please do not use our services. For any queries or further information, please contact us via our website.