Terms of Service

1. Acceptance of Terms

By accessing and using the Expert Course Hub Digital website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Expert Course Hub Digital provides online educational courses and related materials. Our services include:

• Access to online course content and materials
• Educational resources and downloadable content
• Customer support and assistance
• Certificates of completion

3. User Accounts and Registration

To access certain features of our services, you may be required to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use of your account

4. Course Access and Content

4.1 License to Use

Upon enrollment and payment, we grant you a limited, non-exclusive, non-transferable license to access and use the course content for your personal, non-commercial use.

4.2 Content Restrictions

You may not:

• Copy, reproduce, distribute, or create derivative works from course content
• Share your account access with others
• Download or attempt to download course videos (unless specifically permitted)
• Use course content for commercial purposes without written permission
• Reverse engineer or attempt to extract source code from our platform

4.3 Lifetime Access

Enrolled students receive lifetime access to course materials, subject to these terms and our continued operation of the service.

5. Payment and Billing

5.1 Course Fees

Course fees are clearly displayed on our website and must be paid in full before access is granted. All prices are in US dollars unless otherwise specified.

5.2 Payment Processing

Payments are processed through secure third-party payment processors. We do not store your payment card information on our servers.

5.3 Refund Policy

Due to the digital nature of our courses and immediate access provided upon enrollment, all sales are final. Refunds are considered on a case-by-case basis for exceptional circumstances.

6. User Conduct

You agree to use our services only for lawful purposes and in accordance with these Terms. You agree not to:

• Violate any applicable laws or regulations
• Infringe upon intellectual property rights
• Transmit any harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our services
• Use automated systems to access our content

7. Intellectual Property

7.1 Our Content

All content, materials, and intellectual property on our platform are owned by Expert Course Hub Digital or our content creators and are protected by copyright and other intellectual property laws.

7.2 User-Generated Content

Any content you submit to us (such as feedback, questions, or project submissions) remains your property, but you grant us a license to use it for educational and promotional purposes.

8. Privacy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of our services, to understand our practices.

9. Disclaimers

9.1 Educational Purpose

Our courses are provided for educational purposes only. We make no guarantees about:

• Career advancement or job placement
• Income increases or financial benefits
• Specific learning outcomes or skill acquisition rates
• Compatibility with all learning styles or needs

9.2 Service Availability

We strive to maintain continuous service availability but cannot guarantee uninterrupted access. We reserve the right to modify, suspend, or discontinue services with reasonable notice.

9.3 No Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

10. Limitation of Liability

To the fullest extent permitted by law, Expert Course Hub Digital shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

11. Indemnification

You agree to indemnify and hold harmless Expert Course Hub Digital, its officers, directors, employees, and agents from any claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of our services or violation of these Terms.

12. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use our services will cease immediately.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by posting the updated Terms on our website with a new "Last updated" date. Continued use of our services after such modifications constitutes acceptance of the updated Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, United States, without regard to its conflict of law principles.

15. Dispute Resolution

Any disputes arising from these Terms or your use of our services will be resolved through binding arbitration in Chicago, Illinois, rather than in court, except that you may assert claims in small claims court if your claims qualify.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

17. Contact Information

If you have any questions about these Terms of Service, please contact us:

18. Effective Date

These Terms of Service are effective as of January 1, 2026, and apply to all users of Expert Course Hub Digital services.