Prohibited Activities

• Using the service for any unlawful purpose or in violation of any local, state, national, or international law
• Transmitting or procuring the transmission of any material that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically, or otherwise objectionable
• Impersonating any person or entity, or falsely stating or otherwise misrepresenting your affiliation with a person or entity
• Engaging in any activity that disrupts or interferes with the service or the servers and networks connected to the service

Account Security

You must notify us immediately of any breach of security or unauthorized use of your account. While we will not be liable for losses caused by any unauthorized use of your account, you may be liable for our losses or the losses of others due to such unauthorized use.

Learning Outcomes

While we strive to provide high-quality educational content, we cannot guarantee specific learning outcomes or career advancement. Individual results may vary based on personal effort, prior knowledge, market conditions, and other factors beyond our control.

Our educational programs are designed to enhance your understanding of business finance concepts. Success in applying these concepts depends on various individual and market factors that we cannot control or predict.

User-Generated Content

By submitting content to our platform, including comments, questions, or assignments, you grant MindCerevo a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, publish, and distribute such content for educational and promotional purposes.

You retain ownership of any intellectual property rights that you hold in your submitted content. However, you represent and warrant that you have all necessary rights to grant the license described above.

Data Collection and Use

• We collect information you provide directly to us, such as when you create an account or contact us
• We may collect information about your use of our services through cookies and similar technologies
• We use collected information to provide, maintain, and improve our services
• We do not sell, trade, or rent your personal information to third parties without your consent

Refund Policy

We offer a satisfaction guarantee for our courses. If you are not satisfied with your learning experience, you may request a refund within 30 days of enrollment, provided you have completed less than 25% of the course material.

Refund requests must be submitted in writing to our support team. Processing of approved refunds typically takes 5-10 business days. Some promotional offers may have different refund terms, which will be clearly stated at the time of purchase.

Financial Education Disclaimer

The financial education and business concepts taught in our courses are for educational purposes only and should not be considered as financial advice. Past performance does not guarantee future results. You should consult with a qualified financial advisor before making any financial decisions.

Effects of Termination

If your account is terminated for cause, you may lose access to any unused portions of paid courses without refund. However, if termination is initiated by us without cause, you will receive a prorated refund for any unused portions of paid services.

Alternative Dispute Resolution

Before pursuing formal arbitration, we encourage users to contact our support team to resolve any disputes informally. Many concerns can be addressed through direct communication with our customer service representatives.