Terms & Conditions

Company Name	[Company Name]
Company Address	[Company Address]
DBA

TERMS & CONDITIONS

1. Introduction

   Welcome to [Company Name] (“Website”, “we”, “our”, or “us”). These Terms & Conditions (“Terms”) govern your access to and use of our website and your purchase and use of digital E-Learning materials and related services made available through the Website.

   By accessing the Website, creating an account, purchasing credits, or purchasing or accessing any E-Learning materials through the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms.

   If you do not agree to these Terms, please do not use the Website or purchase any E-Learning materials or credits.

   We reserve the right to update or modify these Terms at any time. Any changes will become effective when published on the Website. Your continued use of the Website following any changes constitutes your acceptance of the revised Terms.

2. Definitions

   For the purposes of these Terms:

   • “Account” means the user account created to access the Website and its available features.
   • “Credits” means the digital units purchased by users with real money and used to obtain E-Learning materials available on the Website.
   • “E-Learning Materials” means the digital educational, instructional, informational, reference, or training materials made available through the Website.
   • “Materials” means any E-Learning materials, documents, files, content, resources, text, graphics, or other digital content made available through the Website.
   • “Skill Level” means the applicable level assigned to a subject, including Beginner, Intermediate, Advanced, or Expert.
   • “User”, “you”, or “your” means any person who accesses or uses the Website, creates an Account, purchases Credits, or obtains Materials through the Website.

3. Eligibility

   You must be legally capable of entering into a binding agreement under the laws applicable to you in order to use the Website and purchase Credits or Materials.

   By using the Website, you confirm that the information you provide is accurate, complete, and current.

   If you are using the Website on behalf of a company, organization, or other legal entity, you confirm that you have the authority to bind that entity to these Terms.

4. Account Registration

   Certain features of the Website may require you to create an Account.

   You are responsible for:

   • Providing accurate and complete registration information;
   • Keeping your Account information up to date;
   • Maintaining the confidentiality of your login credentials;
   • Preventing unauthorized access to your Account; and
   • All activity carried out through your Account.

   You must notify us promptly if you believe that your Account has been accessed or used without authorization.

   We reserve the right to suspend or terminate Accounts that contain false information, are used improperly, or otherwise violate these Terms.

5. E-Learning Materials

   The Website provides access to digital E-Learning Materials covering various subject areas and Skill Levels.

   Our Materials are organized into categories which may include:

   • Blockchain, Web3 & Decentralized Technologies;
   • Business Analysis, Product Strategy & Innovation Management;
   • Cyber Intelligence, Digital Forensics & Risk Management;
   • Digital Transformation, Enterprise Systems & ERP Solutions; and
   • Generative AI, Machine Learning & Intelligent Systems.

   Individual subjects are offered at different Skill Levels, including Beginner, Intermediate, Advanced, and Expert.

   The availability of particular subjects, Materials, Skill Levels, formats, and features may change from time to time without notice.

   We do not guarantee that any particular Material, subject, Skill Level, or category will remain available indefinitely.

6. Credits

   E-Learning Materials available through the Website may be obtained using Credits.

   Credits are digital units that can be purchased using real money through the payment methods and currencies made available on the Website, which may include USD (USD$) and JPY (¥).

   Credits may be used to obtain eligible E-Learning Materials available on the Website. The number of Credits required for each Material will be displayed on the relevant product page before the transaction is completed.

   Credits:

   • Have no cash or monetary value outside the Website;
   • Cannot be exchanged for cash;
   • Cannot be redeemed for cash or transferred to a bank account;
   • Cannot be sold, transferred, assigned, or exchanged between users or Accounts;
   • May only be used for eligible purchases on the Website; and
   • May be subject to any validity or expiration period stated on the Website at the time of purchase.

   We reserve the right to change the Credit pricing, the number of Credits required for particular Materials, and the terms applicable to Credits at any time. Such changes will not affect transactions that have already been completed.

7. Purchase of Credits

   When purchasing Credits, you agree to provide accurate and complete payment and billing information.

   You authorize us or our designated payment service providers (Amex, Visa, Mastercard, JCB) to charge the applicable amount for the Credit package selected by you.

   Credit packages and their corresponding prices will be displayed on the Website before you complete your purchase.

   Depending on the Credit package purchased, you may receive additional Bonus Credits at no additional monetary cost.

   The number of Bonus Credits associated with a particular Credit package will be displayed on the Website at the time of purchase.

   For example, a Credit package may provide a specified number of purchased Credits together with an additional allocation of Bonus Credits. The applicable allocation may vary depending on the amount purchased and any promotional offer in effect at the time.

   A purchase of Credits does not, by itself, constitute a purchase of any particular E-Learning Material. Purchased Credits and Bonus Credits may subsequently be used to obtain eligible Materials in accordance with these Terms.

   We reserve the right to modify, suspend, or discontinue any Credit package or Bonus Credit promotion at any time.

8. Bonus Credits

   We may provide Bonus Credits based on the amount of Credits purchased.

   Bonus Credits are credits provided at no additional monetary cost and are separate from the Credits purchased directly by you.

   Unless otherwise expressly stated:

   • Bonus Credits have no cash or monetary value;
   • Bonus Credits are non-refundable;
   • Bonus Credits cannot be exchanged for cash;
   • Bonus Credits cannot be transferred, sold, assigned, or exchanged between Accounts;
   • Bonus Credits cannot be withdrawn or converted into Purchased Credits;
   • Bonus Credits may only be used for eligible Materials available through the Website; and
   • Bonus Credits may be subject to an expiration date or other promotional conditions specified at the time they are issued.

   If you request or are entitled to a refund of a Credit purchase, Bonus Credits associated with that purchase will not be refunded or converted into cash or other monetary value.

   Where applicable, any unused Bonus Credits may be cancelled or removed from your Account if the underlying Credit transaction is refunded, reversed, cancelled, or determined to be fraudulent or unauthorized.

   If a purchase includes both Purchased Credits and Bonus Credits, we reserve the right to determine the order in which Credits are deducted when you obtain Materials.

9. Use of Credits for E-Learning Materials

   Once sufficient Credits are available in your Account, you may use them to obtain eligible E-Learning Materials.

   Before completing a transaction, you are responsible for reviewing:

   • The subject title;
   • The applicable Skill Level;
   • The description of the Materials;
   • The number of Credits required; and
   • Any other information displayed on the relevant product page.

   Once you confirm the transaction, the applicable number of Credits will be deducted from your Account.

   Unless otherwise expressly stated, obtaining E-Learning Materials grants you a limited, non-exclusive, non-transferable right to access and use the Materials for your personal, non-commercial educational and informational purposes, subject to these Terms.

10. Digital Content and Access

    E-Learning Materials are digital products. As such, delivery may occur electronically through your Account, the Website, or another digital access or delivery method specified by us.

    You acknowledge that digital Materials may be subject to technical requirements, including compatible devices, software, internet connectivity, or other system requirements.

    We do not guarantee that Materials will be compatible with every device, operating system, browser, application, or software environment.

    We may make reasonable technical changes to the Website or Materials from time to time, including changes required for security, functionality, compatibility, or operational purposes.

11. Intellectual Property Rights

    All Materials available through the Website, including but not limited to text, documents, graphics, illustrations, designs, logos, layouts, images, videos, audio, software, and other content, are owned by or licensed to us and are protected by applicable intellectual property laws.

    Your purchase or acquisition of Materials does not transfer ownership or intellectual property rights in those Materials to you.

    Unless expressly permitted by us in writing, you may not:

    • Copy, reproduce, or redistribute the Materials;
    • Sell, resell, sublicense, lease, or transfer the Materials;
    • Share Materials with other individuals or organizations;
    • Upload Materials to another website, platform, file-sharing service, or database;
    • Publish or commercially distribute Materials;
    • Modify, adapt, translate, or create derivative works from Materials for redistribution;
    • Remove copyright, trademark, or other proprietary notices; or
    • Use Materials to create or provide competing commercial products or services.

    You may use Materials for your own personal educational and informational purposes, subject to these Terms.

12. Prohibited Use

    You agree not to use the Website or Materials to:

    • Violate any applicable law or regulation;
    • Infringe the intellectual property or other rights of another person;
    • Gain unauthorized access to another user's Account;
    • Circumvent or interfere with Website security measures;
    • Attempt to obtain Credits or Materials through fraudulent means;
    • Resell, distribute, or commercially exploit Materials without authorization;
    • Introduce malicious software, code, or other harmful technology;
    • Interfere with the operation or security of the Website; or
    • Engage in any activity that could damage, disable, overburden, or impair the Website.

    We reserve the right to suspend or terminate access where we reasonably believe that prohibited activity has occurred.

13. Pricing and Payment

    Prices for Credits and other applicable charges will be displayed on the Website and are in USD ($) and JPY (¥).

    Your payment provider or financial institution may apply additional fees, currency conversion charges, taxes, or other charges. We are not responsible for fees imposed by your bank, card issuer, payment provider, or other financial institution.

    We may change prices at any time. Price changes will not affect completed transactions.

14. Refunds and Cancellations

    Because Credits and E-Learning Materials are digital products, purchases may be subject to restrictions on cancellation and refunds.

    Unless otherwise required by applicable law or expressly stated in our Refund Policy:

    • Purchased Credits are non-refundable once the transaction has been successfully completed;
    • Bonus Credits are non-refundable under all circumstances, except where otherwise required by applicable law;
    • Bonus Credits have no cash value and cannot be exchanged for a monetary refund;
    • Credits that have already been used to obtain E-Learning Materials are non-refundable;
    • E-Learning Materials that have already been accessed, downloaded, or otherwise made available to you may not be eligible for a refund; and
    • Change-of-mind requests may not be eligible for a refund.

    If a refund is approved for a Credit purchase that included Bonus Credits, only the eligible amount actually paid for the purchased Credits may be considered for refund. Bonus Credits will not form part of the refundable amount.

    Where Bonus Credits have already been used to obtain E-Learning Materials and the related Credit purchase is subsequently refunded, we reserve the right to deduct the corresponding value from any refund, cancel the obtained Materials, or take other reasonable action to prevent misuse of promotional Credits, subject to applicable law.

    If you believe that you have been incorrectly charged, received an incorrect number of Credits or Bonus Credits, or experienced a technical issue affecting a purchase, you should contact our support team as soon as reasonably possible.

15. Accuracy of Information

    We make reasonable efforts to ensure that information presented on the Website is accurate and up to date.

    However, we do not warrant that descriptions, pricing, availability, technical information, or other Website content will always be complete, accurate, or error-free.

    We reserve the right to correct errors, inaccuracies, or omissions and to update information at any time without prior notice.

16. Educational and Informational Disclaimer

    The Materials provided through the Website are intended for general educational and informational purposes.

    The Materials do not constitute professional, legal, financial, investment, cybersecurity, technical, business, medical, or other professional advice.

    Users are responsible for independently evaluating and applying any information contained within the Materials according to their own circumstances and requirements.

    We do not guarantee any particular professional, academic, business, financial, employment, or other outcome from the use of our Materials.

17. Third-Party Content and Services

    The Website or Materials may contain references to, integrations with, or links to third-party websites, software, platforms, services, or resources.

    We do not control and are not responsible for the availability, accuracy, security, content, privacy practices, or terms of third-party services.

    Your use of third-party services is subject to the applicable terms and policies of those third parties.

18. Website Availability

    We aim to keep the Website available and operational; however, we do not guarantee uninterrupted, secure, or error-free access.

    The Website may occasionally be unavailable due to:

    • Maintenance;
    • Technical issues;
    • System upgrades;
    • Security incidents;
    • Network failures;
    • Third-party service interruptions; or
    • Circumstances beyond our reasonable control.

    We will not be responsible for losses arising solely from temporary unavailability of the Website, except where otherwise required by applicable law.

19. Suspension and Termination

    We may suspend or terminate your Account or restrict access to the Website or Materials if:

    • You breach these Terms;
    • You engage in fraudulent, abusive, or unauthorized activity;
    • Your Account is used to distribute or misuse Materials;
    • Your actions create a security or operational risk; or
    • We are required to do so by law or a competent authority.

    Upon termination, any rights granted to you under these Terms may immediately cease.

    Any provisions which by their nature should continue following termination, including intellectual property, limitations of liability, and dispute-related provisions, will remain in effect.

20. Disclaimer of Warranties

    To the maximum extent permitted by applicable law, the Website and Materials are provided on an “as is” and “as available” basis.

    We make no representations or warranties that:

    • The Website will always be available;
    • The Website or Materials will be free from errors or interruptions;
    • Materials will meet your particular requirements;
    • Materials will be suitable for a particular purpose; or
    • The information contained within the Materials will always be complete, current, or accurate.

    Nothing in these Terms excludes any warranty or consumer right that cannot legally be excluded under applicable law.

21. Limitation of Liability

    To the maximum extent permitted by applicable law, we will not be liable for any indirect, incidental, special, consequential, or punitive losses arising from or relating to:

    • Your use or inability to use the Website;
    • Your use of or reliance on Materials;
    • Loss of data;
    • Unauthorized access to your Account resulting from your failure to protect your credentials;
    • Third-party services or payment providers; or
    • Any other matter relating to the Website or Materials.

    To the extent permitted by law, our total liability arising from your use of the Website or purchase of Credits or Materials shall not exceed the amount actually paid by you to us for the specific transaction giving rise to the claim.

    Nothing in these Terms limits liability where such limitation is prohibited by applicable law.

22. Indemnification

    You agree to indemnify and hold harmless the Website, its owners, affiliates, officers, employees, contractors, and service providers from claims, liabilities, damages, losses, costs, and expenses arising from:

    • Your breach of these Terms;
    • Your misuse of the Website or Materials;
    • Your violation of applicable law; or
    • Your infringement of the rights of another person.

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23. Privacy

    Your use of the Website may involve the collection and processing of personal information.

    Our collection, use, storage, and processing of personal information are governed by our Privacy Policy, which forms part of these Terms.

    By using the Website, you acknowledge that you have reviewed our Privacy Policy.

24. Changes to the Website

    We reserve the right to modify, update, suspend, or discontinue any part of the Website, including its categories, subjects, Materials, Skill Levels, Credit system, pricing, features, or functionality.

25. Governing Law

    These Terms shall be governed by and interpreted in accordance with the applicable laws of the jurisdiction of Hong Kong in which the Company is established, without regard to conflict-of-law principles.

    Any dispute arising out of or relating to these Terms or your use of the Website shall be subject to the jurisdiction of the competent courts of that jurisdiction, unless otherwise required by applicable law.

26. Severability

    If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision shall be modified or removed to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

27. Entire Agreement

    These Terms, together with our Privacy Policy, Refund Policy, and any other policies or terms expressly incorporated into the Website, constitute the entire agreement between you and us regarding your use of the Website and purchase of Credits and Materials.

28. Contact Us

    If you have any questions, concerns, or requests regarding these Terms, your Account, Credits, or E-Learning Materials, please contact us at support@grandaxislearning.com

Note: Charges for credits purchased on this website will appear on your bank or credit card statement as .