Effective Date: October 2025

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1. Services

Portico provides educational guidance and organizational tools for O visa applicants, including:

• DIY Kits (guides, templates, spreadsheets)

• Template Packs

• Personalized consulting (single consultation or support packages)
   

These materials and services are for educational purposes only and are not legal advice. They do not replace consultation with an immigration attorney.

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2. Client Responsibility

• Clients are responsible for all submitted materials and decisions regarding their O visa application.

• Portico / Sandra Kluge cannot guarantee approval of any O visa petition.

• Recommendations, templates, and organizational tools are guidance only; clients must verify accuracy and completeness.
   

3. Payment & Access

• Digital products are delivered via email or download link upon successful payment.

• Payment is processed securely through Wix using Stripe or PayPal.

• Digital product sales are final and non-refundable. Once purchased, the files are available for immediate download and cannot be returned.
  Refunds will only be considered if the files are inaccessible or defective. In such cases, please contact us within 7 days of purchase, and we will provide a replacement link or corrected files.

• Consulting services are billed as specified on the Services page; cancellation or rescheduling policies are outlined during booking.
   

4. Intellectual Property

• All content, templates, and materials are © Portico / Sandra Kluge 2025.

• Materials are licensed for personal use only. Sharing, reselling, or distributing content without permission is prohibited.
   

5. Limitation of Liability

• Portico / Sandra Kluge is not liable for any outcomes of O visa petitions, lost or misused documents, or reliance on guidance provided.

• Use of our materials and services constitutes acceptance of these risks.
   

6. Governing Law

• These Terms are governed by the laws of the State of New York, USA.

• Any disputes shall be resolved in the courts of New York, USA.
   

7. Modifications

• Portico reserves the right to update these Terms at any time. Continued use of services after updates constitutes acceptance of the changes.