Terms of Service

Effective Date: January 1, 2026

Last Updated: January 1, 2026

These Terms of Service ("Terms") govern your use of the SecureCoursewise website and services provided by SecureCoursewise Learning Inc. ("Company," "we," "our," or "us"). By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing and using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our services.

2. Description of Service

SecureCoursewise provides an online learning platform offering educational courses in various professional subjects. Our services include course content, learning materials, progress tracking, and related educational resources.

3. User Accounts

To access certain features of our service, you may need to create an account. You are responsible for:

• Providing accurate and complete information
• Maintaining the security of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use

4. Course Enrollment and Access

When you enroll in a course:

• You gain access to course materials for the duration specified
• Access is personal and non-transferable
• You may not share login credentials with others
• Course content may be updated periodically

5. Payment Terms

Course fees are clearly displayed before enrollment. By enrolling in a course, you agree to pay the stated fee. Payment processing is handled through secure third-party payment processors.

Demo Checkout Notice

Please note that our current website features a demonstration checkout system for testing purposes. No actual payments are processed through this demo system.

6. Refund Policy

We strive for student satisfaction with our courses. Refund eligibility depends on various factors including:

• Time elapsed since enrollment
• Course completion progress
• Specific circumstances of the request

Refund requests should be submitted through our contact form with details about your situation. Each request is reviewed individually.

7. Intellectual Property

All course content, materials, and website content are protected by intellectual property laws. You may:

• Access and use materials for personal learning purposes
• Download materials for offline study (where permitted)

You may not:

• Redistribute, sell, or share course materials
• Use content for commercial purposes without permission
• Remove copyright notices or proprietary markings

8. User Conduct

You agree to use our services responsibly and not to:

• Violate any applicable laws or regulations
• Interfere with or disrupt our services
• Attempt unauthorized access to our systems
• Share false or misleading information
• Harass or harm other users

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

10. Disclaimers and Limitation of Liability

Our services are provided "as is" without warranties of any kind. We do not guarantee:

• Specific learning outcomes or results
• Career advancement or employment opportunities
• Uninterrupted or error-free service
• Compatibility with all devices or browsers

To the maximum extent permitted by law, our liability is limited to the amount you paid for the specific course in question.

11. Indemnification

You agree to indemnify and hold harmless SecureCoursewise Learning Inc., its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

12. Termination

We may terminate or suspend your access to our services at any time for violation of these Terms or other reasonable cause. Upon termination, your right to use our services ceases immediately.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated through our website or email. Continued use of our services after changes constitutes acceptance of the updated Terms.

14. Governing Law

These Terms are governed by the laws of New York, United States, without regard to conflict of law principles. Any disputes shall be resolved in the courts of New York.

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

16. Contact Information

For questions about these Terms, please contact us:

17. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and SecureCoursewise Learning Inc. regarding the use of our services.

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.