Terms and Conditions

3.1 Permitted Use

You may use our services for:

• Personal professional development and education
• Accessing course materials for which you have enrolled
• Participating in course activities, assignments, and assessments
• Communicating with instructors and fellow students through designated channels
• Downloading materials explicitly marked as downloadable for personal use

3.2 Age Requirements

Our courses are designed for adults:

• Users must be at least 18 years old to enroll
• We do not knowingly collect information from minors
• Parents or guardians cannot enroll on behalf of minors
• Age verification may be required for certification purposes

3.3 Account Responsibilities

When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain the security and confidentiality of your login credentials
• Notify us immediately of any unauthorized account access
• Accept responsibility for all activities under your account
• Update your information promptly when changes occur

4.1 Content Violations

• Copying, reproducing, or distributing course materials without authorization
• Recording, screenshotting, or capturing course videos or live sessions
• Sharing login credentials or course access with unauthorized individuals
• Reselling, sublicensing, or commercializing course content
• Removing copyright notices or watermarks from materials

4.2 Technical Violations

• Attempting to gain unauthorized access to our systems or networks
• Introducing viruses, malware, or harmful code to our platform
• Using automated tools, bots, or scrapers to access content
• Interfering with or disrupting the integrity of our services
• Reverse engineering or decompiling any software components

4.3 Conduct Violations

• Harassing, threatening, or abusing instructors or other students
• Posting offensive, discriminatory, or inappropriate content
• Engaging in fraudulent activities or misrepresenting credentials
• Submitting work completed by others as your own (plagiarism)
• Violating any applicable laws, regulations, or third-party rights

5.1 Our Content

All content provided through our services remains the exclusive property of ledger posia:

• Course materials, videos, presentations, and worksheets are protected by copyright
• The ledger posia name, logo, and branding are registered trademarks
• Course curriculum, teaching methods, and materials are proprietary
• No license or ownership rights are transferred through enrollment
• Unauthorized use may result in legal action and criminal prosecution

5.2 Limited License

Upon enrollment, we grant you a limited, non-exclusive, non-transferable license to:

• Access and view course materials during the course period
• Download materials explicitly marked as downloadable for personal use only
• Complete assignments and exercises for learning purposes

This license terminates upon course completion or account termination.

5.3 User-Generated Content

Content you submit through our platform:

• You retain ownership of assignments, posts, and submissions
• You grant us a non-exclusive license to use your content for educational purposes
• We may use anonymized student work as examples (with consent)
• You represent that your submissions do not infringe third-party rights

6.1 Course Enrollment

• Enrollment is confirmed upon receipt of full payment
• Course fees are displayed in Singapore Dollars (SGD)
• Prices are subject to change without notice for future enrollments
• Promotional discounts have specific terms and expiration dates
• Course capacity may be limited; enrollment is on a first-come basis

6.2 Payment Processing

• Payments are processed securely through third-party payment providers
• All course fees must be paid in full before accessing materials
• Payment plans may be available for certain courses (subject to approval)
• Failed payments may result in access suspension until resolved
• All transactions are subject to verification and fraud prevention checks

6.3 Refund Policy

• Refunds are available within 14 days of enrollment if less than 25% of course content has been accessed
• After the refund period, course fees are non-refundable
• Cancellations must be submitted in writing via email
• Refunds are processed within 14 business days to the original payment method
• Promotional or discounted enrollments may have different refund terms

7.1 Service Availability

• Courses are provided "as is" and "as available" without guarantees of uninterrupted access
• We reserve the right to modify course content, schedules, or format
• Technical issues may occasionally affect platform availability
• Scheduled maintenance will be communicated in advance when possible
• Course access periods are specified in the course description

7.2 Technical Requirements

Users are responsible for:

• Maintaining compatible devices and updated browsers
• Ensuring stable internet connectivity
• Meeting minimum system requirements for course materials
• Installing required software or plugins (if applicable)

7.3 Instructor Discretion

• Instructors may substitute for each other if necessary
• Teaching methods and materials may be adjusted for improved learning
• Guest speakers or industry experts may be invited
• Live session schedules may be changed with reasonable notice

8.1 Completion Requirements

• Certificates are awarded upon satisfactory completion of all course requirements
• Minimum attendance or participation rates may apply
• Assignments and assessments must meet specified standards
• Final examinations must be passed with the minimum required score
• Academic integrity policies must be followed throughout

8.2 Certificate Validity

• Certificates verify course completion, not professional certification
• Our courses may prepare you for external certifications (where applicable)
• Certificate authenticity can be verified through our verification system
• Certificates may be revoked if obtained through fraudulent means
• Replacement certificates can be requested for a fee

9.1 Educational Outcomes

We do not guarantee:

• Specific learning outcomes or skill acquisition rates
• Employment opportunities or career advancement
• Passing scores on external certification examinations
• Suitability for specific job roles or positions
• Recognition by all employers or regulatory bodies

9.2 Limitation of Liability

To the maximum extent permitted by Singapore law:

• Our liability is limited to the course fees paid by you
• We are not liable for indirect, incidental, or consequential damages
• We are not responsible for third-party service disruptions
• You assume all risks associated with course content use
• Force majeure events release us from performance obligations

9.3 Disclaimer of Warranties

• Services are provided without warranties of any kind, express or implied
• We do not warrant error-free or uninterrupted service
• Course content accuracy is maintained but not guaranteed
• Third-party content or links are provided for convenience only

10.1 Termination by Us

We may suspend or terminate your access if:

• You violate these Terms and Conditions
• You engage in fraudulent or illegal activities
• Payment obligations are not met
• You harass instructors or other students
• You compromise platform security or integrity

10.2 Termination by You

• You may request account deletion at any time
• Course refunds are subject to our refund policy
• Completed courses remain on your record
• Issued certificates remain valid

10.3 Effects of Termination

• Immediate loss of access to platform and materials
• Forfeiture of any unused course credits or payments
• Certain provisions survive termination (intellectual property, liability)
• You remain liable for any outstanding obligations

11.1 Informal Resolution

Before pursuing formal action:

• Contact us at [email protected] with your concerns
• Provide detailed information about the dispute
• We will work in good faith to resolve the matter within 30 days
• Most disputes can be resolved through direct communication

11.2 Mediation

• If informal resolution fails, disputes may proceed to mediation
• Mediation will be conducted in Singapore
• Both parties share mediation costs equally
• Mediation is non-binding but encourages amicable settlement

11.3 Arbitration and Governing Law

• Unresolved disputes are subject to binding arbitration in Singapore
• These terms are governed by the laws of Singapore
• Singapore courts have exclusive jurisdiction
• Arbitration proceedings will be conducted in English
• Arbitration decisions are final and binding

13.1 Entire Agreement

These Terms and Conditions, along with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and ledger posia regarding the use of our services. They supersede all prior agreements or understandings.

13.2 Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. Invalid provisions will be replaced with valid provisions that most closely reflect the original intent.

13.3 Waiver

Our failure to enforce any provision does not constitute a waiver of that provision or any other provision. All rights and remedies are cumulative and not exclusive.

13.4 Assignment

• You may not assign or transfer these terms without our written consent
• We may assign our rights and obligations to successors or affiliates
• Any attempted unauthorized assignment is void

13.5 Force Majeure

We are not liable for failure to perform due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, government actions, internet failures, or pandemics.