Last Updated: September 1, 2026
Website: https://www.zoricainstitute.com
Welcome to Zorica Institute (“Company,” “we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your access to, and use of the website located at zoricainstitute.com and any related content, features, products, services, downloads, emails, or communications we provide through the site (collectively, the “Site”).
By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site For an explanation of Zorica Institute’s practices and policies related to the collection, use, and storage of our users’ information, please read our Privacy Policy.
1. Site Content Usage
Zorica Institute hereby grants you a limited, non-exclusive, non-transferable, revocable license for the term hereof to access and download, display, and print one copy of the Site Content on any single computer solely for your internal, non-commercial use, provided that you do not modify the Site Content in any way (including creating derivative works thereof), that you retain all copyright and other proprietary notices displayed on the Site Content, and that you otherwise comply with these Terms. You may not otherwise reproduce, modify, reverse engineer, distribute, transmit, post, or disclose the Site Content without Zorica Institute’s prior written consent. Furthermore:
- You may not access, search, or collect, mine, or extract data—including by crawling or scraping—from the Site or the Site Content by any means (automated or otherwise) without Zorica Institute’s express written permission.
- You also may not use the Site or Site Content to develop any software program, model, algorithm, or other generative AI tool, including, but not limited to, training or using the Site Content in connection with the development or operation of a machine learning or artificial intelligence (AI) system (including any use of the Site Content for training, fine tuning, or grounding the machine learning or AI system or as part of retrieval-augmented generation).
- You may not “mirror” the Site Content or any portion thereof without Zorica Institute’s express written consent.
- You may not use the Services in violation of applicable laws, including export controls and sanctions, or in violation of our or any third party’s intellectual property or other proprietary or legal rights.
Nothing on this Site should be construed as granting directly or indirectly, or by implication any license or right to use any Zorica Institute intellectual property other than as expressly set forth herein. The license granted in this section terminates automatically and immediately if you do not comply with these Terms. Further, if you do not comply with these Terms (or if we have reasonable grounds to suspect non-compliance), we may take legal action, suspend your access to the Site, or take any other steps we consider appropriate.
2. Copyrights
All content and functionality on the Site, including text, graphics, logos, icons, images, and videos and the selection and arrangement thereof, in addition to any concepts, know-how, tools, frameworks, software, applications or other technology, algorithms, models, processes, and industry perspectives underlying or embedded in the foregoing, along with any enhancements to or derivative works thereof (the “Site Content”) is the exclusive property of Zorica Institute or its licensors and, to the extent applicable, is protected by U.S. and international copyright laws. Neither the Site Content nor functionality of the Site, may be copied, reproduced, modified, reverse engineered, altered (including the removal or disabling of any security or technological safeguards, disclaimers, or legends) uploaded, published, uploaded, posted, transmitted, or distributed in any way without our written permission, except for those uses specified in Section 1 – Use of site content. All rights not expressly granted are reserved.
3. Trademarks
The trademarks, service marks, designs, and logos (collectively, the “Trademarks”) displayed on the Site are the registered and unregistered Trademarks of Zorica Institute and its licensors. You agree that, except as expressly permitted by us (e.g., through social media sharing tools provided on the Site) or by our licensors, where applicable, you will not refer to or attribute any information to Zorica Institute or its licensors in any public medium (e.g., press release, websites, or public social media) for advertising or promotion purposes, or for the purpose of informing or influencing any third party. In addition, you agree that you will not use or reproduce the Trademarks in any manner that is likely to cause confusion, take unfair advantage or cause detriment to Zorica Institute or its licensors, or that could imply any endorsement by or relationship with, Zorica Institute or its licensors.
4. Disclaimer
THE CONTENT AND FUNCTIONALITY ON THE SITE IS PROVIDED WITH THE UNDERSTANDING THAT MCKINSEY IS NOT HEREIN ENGAGED IN RENDERING PROFESSIONAL ADVICE OR SERVICES TO YOU, NO SITE CONTENT IS INTENDED TO SERVE AS OR SHALL BE DEEMED INVESTMENT, LEGAL, TAX, ACCOUNTING OR OTHER REGULATED ADVICE, AND THAT YOU SHALL REMAIN SOLELY RESPONSIBLE FOR YOUR USE OF ALL SITE CONTENT AND ACKNOWLEDGE THAT ANY RELIANCE UPON THE SITE CONTENT SHALL BE ENTIRELY AT YOUR SOLE OPTION AND RISK. ALL CONTENT AND FUNCTIONALITY ON THE SITE IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. MCKINSEY AND ITS THIRD-PARTY CONTENT PROVIDERS MAKE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO THE OWNERSHIP, ACCURACY, OR ADEQUACY OF THE SITE CONTENT. ZORICA INSTITUTE SHALL HAVE NO LIABILITY OR RESPONSIBILITY FOR ANY INFORMATION PUBLISHED ON LINKED WEBSITES, CONTAINED IN ANY USER SUBMISSIONS PUBLISHED ON THE SITE, OR PROVIDED BY THIRD PARTIES. NEITHER ZORICA INSTITUTE NOR ITS THIRD-PARTY CONTENT PROVIDERS SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES OR LOSSES OR FOR LOST REVENUES OR PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES AND REGARDLESS OF THE THEORY OF LIABILITY.
5. Intellectual Property
All content on the Site, including text, graphics, branding, logos, design, layout, downloads, digital materials, and other content, is owned by or licensed to Oh Anxiety and is protected by applicable intellectual property laws.
You may view and use the Site for your own personal, non-commercial use only. You may not, without our prior written consent:
- reproduce, republish, upload, post, transmit, or distribute Site content;
- sell, license, or commercially exploit Site content;
- create derivative works from Site content;
- remove copyright, trademark, or proprietary notices.
6. User Submissions
If you submit comments, messages, testimonials, reviews, contact form entries, emails, You acknowledge and agree that McKinsey shall own and have the unrestricted right to use, publish, and otherwise exploit any and all information that you post or otherwise publish on the Site in postings, forums or message boards, questionnaire, survey responses, and otherwise, and you acknowledge and agree that, by providing us any such submission, you automatically grant, and hereby do grant, to us a worldwide, non-exclusive, transferable, assignable, sublicensable, fully paid-up, royalty-free, perpetual, irrevocable license and right to use, reproduce, publish, distribute, modify and otherwise exploit such submission for any purpose, and in any form or media, not prohibited by applicable law. In addition, you hereby waive any claims against Zorica Institute for any alleged or actual infringements of any rights of privacy or publicity, intellectual property rights, moral rights, or rights of attribution in connection with Zorica Institute’s use and publication of such submissions.
You agree you will not post or otherwise publish on the Site any materials that (a) are threatening, libelous, defamatory, or obscene; (b) would constitute, or that encourage conduct that would constitute, a criminal offense, give rise to civil liability, or otherwise violate law; (c) infringe the intellectual property, privacy, or other rights of any third parties; (d) contain a computer virus or other destructive element; (e) contain advertising; (f) constitute or contain false or misleading statements; or (g) violates these Terms.
Zorica Institute does not represent or endorse the accuracy of reliability of information posted to the Site by users. In addition, Zorica Institute does not and cannot review all information posted to the Site by users and is not responsible for such information. However, Zorica Institute reserves the right to refuse to post and the right to remove any information, in whole or in part, for any reason or for no reason.
7. Purchases and Digital Products
If the Site offers books, downloads, courses, guides, memberships, or other products or services, all purchases are subject to any additional terms presented at checkout or at the point of sale.
You agree to provide current, complete, and accurate billing and payment information.
All prices, product descriptions, offers, and availability are subject to change at any time without notice.
Refund Policy: All sales are final. No refunds are offered.
8. Third-Party Websites and Providers
We may provide links to third-party websites, and some of the content appearing to be on this Site is in fact supplied, supported, or provided directly or indirectly by third parties, for example, in instances of framing of third-party websites or incorporation through framesets of content supplied by third-party servers. Zorica Institute has no responsibility for these third-party websites, which are governed by the terms of use and privacy policies, if any, of the applicable third-party content providers.
9. Indemnification
You hereby indemnify, defend, and hold harmless Zorica Institute and all of its predecessors, successors, parents, subsidiaries, affiliates, officers, directors, shareholders, investors, employees, agents, representatives, and attorneys and their respective heirs, successors, and assigns (“Zorica Institute Indemnified Parties”) from and against any and all liability, expenses, costs, or other losses (“Losses”) incurred by Zorica Institute and/or Zorica Institute Indemnified Parties in connection to any claims arising out of your use of the Site and/or any breach by you of these Terms, including the representations, warranties and covenants you made, if any, by agreeing to these Term. Zorica Institute reserves the right to assume, at its own expense, the exclusive defense and control of any matter otherwise subject to indemnification by you.
10. Age Restriction
This Site is intended for use by adults age 18 and older.
However, individuals under the age of 18 may access and use the Site for educational and informational purposes only with the involvement, supervision, and consent of a parent or legal guardian.
We do not knowingly collect personal information from individuals under the age of 18 without parental consent. If we become aware that such information has been collected without appropriate consent, we will take steps to delete it.
Parents and guardians are responsible for supervising any use of the Site by minors and for determining whether the content is appropriate for their child.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of laws principles.
12. Dispute Resolution
Any dispute arising out of or relating to these Terms or the Site shall first be attempted to be resolved informally.
If informal resolution is unsuccessful, the dispute shall be resolved exclusively in the state or federal courts located in [Dallas County, Texas], and you consent to the personal jurisdiction and venue of those courts.
13. Severability
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.
14. Contact Information
If you have questions about these Terms, contact:
Zorica Institute
Email: Admin@ZoricaInstitute.com