TERMS OF USE

These Terms of Use (“Terms”) constitute a legal and binding agreement between Learning Saint, together with its parent entities, subsidiaries, affiliates, associated entities, international offices, service providers, successors, and permitted assigns (collectively, “Learning Saint,” “Company,” “we,” “us,” or “our”), and any person, entity, institution, or organization that accesses, browses, registers on, pays through, enrolls in, or otherwise uses our Platform or Programs (“user,” “you,” or “your”).

By accessing the Platform, creating an account, making a payment, enrolling in a Program, clicking to accept, or otherwise using any Learning Saint service, you acknowledge that you have read, understood, and agreed to be bound by these Terms, our Privacy Policy, and any supplemental policies, Program-specific conditions, payment terms, or operating rules issued by Learning Saint from time to time. If you do not agree to these Terms, you must not use the Platform or any Program.

1. DEFINITIONS

For purposes of these Terms:

1.1 “Platform” means the Learning Saint website(s), including but not limited to www.learningsaint.com , any affiliated websites, microsites, portals, dashboards, student panels, mobile applications, messaging channels, social media communities, communication groups, webinar systems, class links, LMS systems, email communications, SMS communications, phone communications, and any other digital or physical interface used or operated by Learning Saint in connection with its services.

1.2 “Programs” means all educational, professional, academic, certification, training, mentoring, coaching, counseling, career-support, placement-support, workshop, webinar, self-paced, cohort-based, live, hybrid, sponsored, financed, or related services or offerings made available by Learning Saint.

1.3 “User Account” means any account, profile, registration, login, or credential-based access created to use the Platform or any Program.

1.4 “Content” means all information and data, including text, software, scripts, graphics, maps, photographs, audio, music, video, lectures, webinars, course materials, assignments, quizzes, exams, presentations, articles, code, documents, interfaces, logos, trademarks, service marks, offers, advertisements, and all other materials made available on or through the Platform or Programs.

1.5 “Educational Partner” means any university, institution, certifying body, training partner, employer, NGO, governmental body, corporate, or third party associated with any Program.

1.6 “Applicable Law” means any law, regulation, directive, rule, order, code, judicial decision, or legally binding requirement applicable to the relevant transaction, user, jurisdiction, contracting entity, or service.

2. GLOBAL SCOPE AND CONTRACTING ENTITY

2.1 Learning Saint operates across multiple jurisdictions, including the United States, the United Kingdom, India, and other international markets.

2.2 The Learning Saint entity contracting with you shall be the entity identified in your invoice, order form, payment page, enrollment record, service communication, confirmation email, or other official Learning Saint documentation.

2.3 If a specific contracting entity is not separately identified, the Learning Saint entity that markets, invoices, receives payment for, administers, or delivers the relevant Program or service to you shall be treated as the contracting entity.

2.4 These Terms are intended to operate as a global master agreement. However, where non-waivable consumer, privacy, e-commerce, telecom, educational, or other statutory rights apply in a particular jurisdiction, those rights shall apply to the extent required by Applicable Law, and these Terms shall be interpreted accordingly.

3. ELIGIBILITY

3.1 You represent and warrant that you are legally competent to enter into a binding contract under the laws applicable to you.

3.2 Unless Learning Saint expressly permits otherwise in writing, the Platform and Programs are intended only for individuals who are at least eighteen (18) years of age, or the age of majority in their jurisdiction, whichever is higher.

3.3 If Learning Saint permits enrollment of a minor in a particular case, such enrollment must be completed through a parent or legal guardian who agrees to be bound by these Terms and who accepts responsibility for the minor’s conduct, participation, and financial obligations.

4. ACCEPTANCE OF TERMS

4.1 By accessing or using the Platform, making any payment, registering for a User Account, or participating in any Program, you agree to be bound by these Terms.

4.2 These Terms apply to all users of the Platform, whether or not they are enrolled in a paid Program.

4.3 Even if you access the Platform or a portion of it through a direct link, saved page, bookmark, shared URL, or any other route that bypasses the main Terms page, your use of the Platform remains subject to these Terms.

5. SUPPLEMENTAL TERMS

5.1 Certain Programs may be subject to supplemental or Program-specific terms relating to schedules, assessments, attendance, certifications, eligibility, financing, access rules, operational requirements, service scope, or academic delivery.

5.2 Corporate clients or institutional clients may also be subject to separate written agreements with Learning Saint.

5.3 In the event of a conflict between these Terms and any separately executed written agreement signed by an authorized representative of Learning Saint, the signed written agreement shall prevail only to the extent of the conflicting provisions.

5.4 For avoidance of doubt, no Program-specific term, counselor statement, marketing statement, sales assurance, or internal communication shall create a refund right unless expressly confirmed in a written instrument signed by an authorized representative of Learning Saint or required by non-waivable Applicable Law.

6. CHANGES TO TERMS

6.1 Learning Saint may revise, update, amend, or replace these Terms at any time in its sole discretion, without prior notice unless Applicable Law requires otherwise.

6.2 Revised Terms become effective when posted on the Platform or otherwise communicated by Learning Saint.

6.3 Your continued use of the Platform or Programs after any such revision constitutes your acceptance of the revised Terms.

7. TERRITORIAL ACCESS AND LEGAL COMPLIANCE

7.1 Learning Saint makes no representation that the Platform, Programs, or services are appropriate, available, or legally permitted in every location or jurisdiction.

7.2 Accessing the Platform from any territory where the Platform, any Program, or any portion of its content or functionality is unlawful is prohibited.

7.3 If you choose to access the Platform from any location, you do so on your own initiative and are solely responsible for compliance with Applicable Law.

8. PLATFORM CHANNELS AND THIRD-PARTY SERVICE PROVIDERS

8.1 These Terms apply not only to Learning Saint’s websites and applications, but also to Learning Saint-hosted or Learning Saint-operated communication channels and forums, including WhatsApp groups, Telegram groups, social media communities, webinars, email communications, SMS communications, and phone-based interactions, to the extent connected with the Platform or Programs.

8.2 Certain portions of the Platform or service delivery may be provided through third-party service providers. You agree to comply with the lawful terms applicable to those third-party systems where required for access or delivery.

8.3 Learning Saint shall not be responsible for service disruption, downtime, delay, or technical limitation caused by third-party infrastructure, providers, payment systems, communication tools, or hosting systems.

9. USER CONDUCT POLICY

9.1 Once you access the Platform or any Program, you are considered a user for purposes of these Terms.

9.2 You are solely responsible for your activities in connection with the Platform and Programs.

9.3 You agree to comply with all Applicable Law and not to engage in unethical, unlawful, abusive, disruptive, deceptive, or improper conduct while using the Platform or Programs.

9.4 Without limitation, you shall not:

• harass, threaten, abuse, intimidate, defame, or discriminate against any user, learner, attendee, instructor, trainer, mentor, counselor, support agent, or visitor;
• create disharmony, disruption, hostility, or misconduct in any student group, discussion, webinar, or communication channel;
• cheat in any homework, assignment, quiz, examination, interview, project, or evaluation;
• upload, circulate, or post any secure testing material, answer key, or confidential assessment content;
• share solutions to assignments, exams, or evaluations where such sharing is prohibited;
• engage in phishing, pharming, whaling, credential theft, or any attempt to obtain account, password, personal, confidential, or private information from any user or third party;
• impersonate another person or entity;
• misuse counselor, faculty, or support resources;
• interfere with the learning experience of others; or
• violate any code of conduct applicable to a specific Program.

9.5 If you become aware of any cheating, misuse, academic dishonesty, unauthorized access, or material breach of these Terms by another user, you agree to promptly notify the relevant instructor, support team, or Learning Saint representative.

9.6 You acknowledge and agree that Learning Saint may report suspicious, unlawful, fraudulent, or abusive conduct to law enforcement, regulators, or other appropriate authorities without notice to you, where Learning Saint deems such reporting necessary or appropriate.

10. USER ACCOUNTS, REGISTRATION, VERIFICATION, AND DELIVERY OF SERVICES

10.1 To participate in most Platform activities or enroll in a Program, you may be required to create a personal User Account.

10.2 Learning Saint may require two-step verification, one-time-password verification, email verification, mobile verification, identity verification, document verification, or other registration procedures in order to authenticate your access credentials.

10.3 You agree to provide complete, accurate, and current information during registration and to keep that information updated.

10.4 You acknowledge that if any information provided by you is false, misleading, inaccurate, incomplete, or no longer current, Learning Saint may suspend or terminate your account or enrollment.

10.5 You agree that:

• you will not create multiple User Accounts for the same Program unless expressly authorized;
• you will not use any User Account other than your own;
• you will not disclose, share, transfer, lend, or otherwise allow any third party to use your User Account; and
• you remain responsible for all activity conducted through your User Account.

10.6 Access to Programs is restricted to persons specifically granted access by Learning Saint.

10.7 Upon payment of the applicable Program fee, whether in part or in full depending on the Program, Learning Saint may provide access credentials, schedules, joining instructions, onboarding materials, payment confirmations, invoices, dashboard access, or other forms of delivery or commencement.

10.8 A payment confirmation, enrollment email, invoice, receipt, class link, dashboard activation, login credentials, onboarding email, or other Learning Saint communication may serve as evidence that access and/or services have been delivered, initiated, scheduled, reserved, or made available.

10.9 Invoices may be issued along with the enrollment confirmation or within a reasonable processing period thereafter, including up to two (2) months where operationally necessary.

10.10 If Learning Saint grants provisional access prior to full payment, such access is entirely discretionary and may be withdrawn immediately, with or without notice, if payment is not received within the stipulated timeline.

10.11 As a learner enrolling in a Program, you further confirm that you are registering with the genuine intent to participate in and complete applicable academic, practical, or operational requirements of the Program, including assignments where relevant.

11. PRIVACY, DATA USAGE, AND COMMUNICATIONS

Learning Saint may collect, use, process, store, transfer, and retain personal data and performance-related information for lawful business, academic, operational, support, compliance, service-delivery, and quality-control purposes, subject to Applicable Law and the Privacy Policy.

11.2 Such information may include account data, participation data, assessment data, grades or scores, communication records, support history, technical logs, and other information reasonably connected to the Platform or Programs.

11.3 Learning Saint may share necessary information with Educational Partners, service providers, payment processors, technology providers, academic partners, mentors, counselors, recruiters, or other lawful counterparties where reasonably required for delivery of services, operations, compliance, or legitimate business purposes.

11.4 You consent to receive transactional, operational, academic, support, and service-related communications from Learning Saint through email, SMS, phone, WhatsApp, dashboards, or other lawful channels.

11.5 Promotional or marketing communications shall be sent only where permitted under Applicable Law and any required valid consent or lawful basis exists. This is the safer global formulation than the old blanket DND/DNC/NCPR override sentence, which should remain removed.

11.6 Because Learning Saint operates internationally, your data may be processed or accessed across borders by Learning Saint entities or authorized service providers, subject to Applicable Law.

12. PAYMENTS, FEES, TAXES, FOREIGN EXCHANGE, AND STRICT NON-REFUNDABILITY

12.1 Unless Learning Saint expressly agrees otherwise in writing, full payment for participation in a Program is due at the time of registration or as otherwise specified in the relevant payment plan.

12.2 To make payment through the Platform, you must have internet access and a current valid accepted payment method.

12.3 Learning Saint may use third-party payment gateways, processors, banks, financing providers, EMI providers, or other payment facilitators.

12.4 Learning Saint does not undertake to store your card data or other regulated payment credentials except as permitted by Applicable Law and the systems of authorized service providers.

12.5 By using a third-party payment provider, you agree to be bound by the lawful terms of such provider.

12.6 You agree that Learning Saint shall not be responsible for any loss arising from:

• third-party payment-provider storage practices;
• unauthorized use of your payment credentials not caused by Learning Saint;
• payment gateway failures;
• banking failures;
• issuer-side restrictions;
• currency conversion issues;
• foreign exchange charges;
• cross-border payment charges; or
• other charges imposed by third parties.

12.7 Depending on your location, payment instrument, billing address, or payment issuer, your transaction may be subject to foreign exchange fees, bank charges, local taxes, withholding, or other payment-related costs.

12.8 Learning Saint does not guarantee support for all payment methods, currencies, countries, or payment locations.

12.9 All taxes, duties, levies, and statutory charges shall be borne by you unless expressly stated otherwise.

12.10 Except to the limited extent required by non-waivable Applicable Law, all payments made to Learning Saint are final, binding, irrevocable, and strictly non-refundable.

12.11 This strict non-refundable rule applies to all amounts paid to Learning Saint, including but not limited to application fees, registration fees, booking amounts, admission fees, tuition fees, installment amounts, administrative charges, technology fees, platform fees, service fees, counseling fees, mentorship fees, webinar fees, workshop fees, processing fees, convenience fees, certification fees, and any other amount paid in connection with any Program or service.

12.12 By making any payment, you expressly acknowledge and agree that:

• you have independently evaluated the suitability and relevance of the Program or service;
• enrollment is personal and non-transferable;
• your payment secures access, processing, administrative allocation, support readiness, scheduling, seat reservation, content provisioning, or service commencement;
• no refund right arises merely because you later choose not to continue.

12.13 No refund shall be issued on account of change of mind, dissatisfaction, personal circumstances, financial hardship, relocation, non-attendance, partial usage, lack of usage, delay in starting, failure to complete, scheduling conflict, technical issues at your end, device or internet incompatibility, disciplinary action, suspension, withdrawal, discontinuation, misunderstanding of scope, failure to achieve an academic result, employment result, visa result, admission result, business result, or any other personal, academic, commercial, or external reason.

12.14 Any chargeback, payment reversal, unauthorized dispute, or bad-faith payment challenge may be treated as a material breach of these Terms, and Learning Saint reserves the right to contest such action and recover associated losses, administrative costs, processor penalties, and legal costs to the fullest extent permitted by Applicable Law.

12.15 Where non-waivable Applicable Law mandates a refund, Learning Saint may provide only such refund as is strictly required by law or by a final binding order of a competent authority, after deducting any amount lawfully permitted.

12.16 The old draft’s refund / trial-window / program-specific refund framework is intentionally not restored. It is replaced in full by this strict non-refundable rule with a narrow mandatory-law carve-out.

13. FREE TRIALS, DEMO ACCESS, AND PREPARATORY ACCESS

13.1 Learning Saint may, at its sole discretion, offer limited demo access, preparatory access, introductory sessions, orientation sessions, audit access, or trial access for certain Programs.

13.2 Any such access shall exist only if expressly offered by Learning Saint and shall be governed by the specific terms communicated for that access.

13.3 No free trial, demo session, preparatory session, orientation, or limited preview shall create any refund right except to the extent required by non-waivable Applicable Law.

13.4 Learning Saint may restrict, modify, withdraw, or discontinue any such trial or preview access at any time.

13.5 Learning Saint may also set eligibility conditions for trial or demo access, including prior purchase history, contact details, device history, billing history, payment method, or other anti-abuse controls.

14. CANCELLATION, WITHDRAWAL, DEFERRAL, AND RESCHEDULING

14.1 You may choose to discontinue participation in a Program by informing Learning Saint.

14.2 However, your discontinuation, withdrawal, non-participation, inactivity, or absence shall not entitle you to any refund, reversal, adjustment, or cancellation of payment obligation except to the limited extent required by non-waivable Applicable Law.

14.3 Any request for deferment, hold, freeze, pause, extension, transfer, seat-shift, cohort change, reactivation, or rescheduling shall be considered solely at Learning Saint’s discretion and may be subject to conditions, seat availability, revised pricing, administrative requirements, or additional charges.

14.4 No deferment, transfer, hold, or rescheduling shall be construed as a refund right or waiver of payment obligations.

15. USE OF PROGRAMS

15.1 Learning Saint reserves the right to cancel, modify, alter, merge, split, reschedule, postpone, rearrange, or discontinue any Program, live lecture, webinar, session, schedule, topic order, faculty assignment, or evaluation structure.

15.2 Learning Saint may also limit, suspend, or terminate access to support services, coaches, counselors, evaluation services, certifications, mentoring, or associated Program features at its sole discretion.

15.3 Nothing in these Terms obligates Learning Saint to maintain or support the Platform, any Program, or any associated service indefinitely.

15.4 Learning Saint shall not be liable to you or any third party for modification, suspension, discontinuance, cancellation, delay, or restructuring of Programs or related services.

15.5 Participants in live classes, webinars, lectures, or mentoring sessions may be provided access through email, dashboards, links, portals, or other communication channels designated by Learning Saint.

15.6 You agree not to share class links, webinar links, login access, session credentials, or attendance access with any third party.

15.7 If you are unable to attend a live session, webinar, or lecture, you agree to provide prior intimation to Learning Saint wherever reasonably possible.

15.8 You are solely responsible for obtaining and maintaining all hardware, software, devices, internet access, data plans, broadband services, phone services, and ancillary services necessary to connect to and use the Platform and Programs.

15.9 You are solely responsible for ensuring that your systems and services are compatible with the Platform.

15.10 All charges incurred by you in obtaining such connectivity, devices, or ancillary services shall be your responsibility.

16. FORCE MAJEURE AND NON-AVAILABILITY

16.1 Learning Saint shall not be liable for any delay, interruption, non-availability, or failure to perform caused by events beyond its reasonable control, including acts of God, war, civil unrest, epidemic, pandemic, disease outbreak, riot, strike, lockout, flood, fire, satellite failure, infrastructure failure, utility failure, cyber incident, internet outage, court order, governmental action, labor dispute, or other similar events.

17. EDUCATIONAL PARTNERS, STATUS, AND CREDENTIALS

17.1 Learning Saint is an education services provider and is not, by default, a university or degree-awarding institution.

17.2 Learning Saint may offer Programs in association with Indian, UK, US, international, or other Educational Partners.

17.3 Enrollment in a Learning Saint Program does not, by itself, enroll or register you in any Educational Partner institution, university, department, school, or academic body.

17.4 Participation in a Program does not automatically grant access to resources, privileges, or institutional rights of any Educational Partner beyond what is expressly communicated for that Program.

17.5 Learning Saint may, in its sole discretion, issue certificates, completion records, credentials, acknowledgments, or other proof of participation where the relevant criteria are met.

17.6 Learning Saint may choose not to offer any certificate or acknowledgment for certain Programs.

17.7 Any format, design, scope, or status of a certificate, acknowledgment, performance record, or completion document may vary by Program.

17.8 You acknowledge that any Learning Saint certificate may not be affiliated with an Educational Partner and may not substitute for academic credit, university registration, institutional certification, or formal academic standing.

17.9 If academic credit or certification is offered through an Educational Partner, such credit or certification shall be governed solely by that partner’s own rules, requirements, and procedures.

17.10 Learning Saint shall not be responsible for a partner’s academic-credit determination, admission determination, recognition determination, or institutional policy enforcement.

18. NO GUARANTEE OF OUTCOMES

18.1 Unless expressly set out in a separate signed written agreement by an authorized representative of Learning Saint, Learning Saint does not guarantee any admission, degree outcome, diploma outcome, certificate outcome, employment outcome, internship outcome, visa outcome, compensation level, salary level, promotion, commercial success, or any other personal, academic, or professional outcome.

18.2 Testimonials, student stories, advertising material, case studies, or illustrative examples are informational only and do not constitute guarantees.

19. LEARNING SAINT INTELLECTUAL PROPERTY RIGHTS

19.1 The Platform, Programs, and related services are owned and operated by Learning Saint and/or its licensors.

19.2 All Content, including lectures, videos, speeches, course materials, quizzes, assignments, programming material, code, images, layouts, arrangements, illustrations, documents, audio clips, video clips, HTML, design, and files, is the property of Learning Saint and/or its affiliates or licensors and is protected by applicable intellectual property laws.

19.3 Learning Saint names, logos, trademarks, service marks, and brand features are the property of Learning Saint and are protected by Applicable Law.

19.4 Nothing in these Terms transfers any ownership right in the Platform or Content to you.

19.5 Please verify all Content before use. If you believe any Content is inaccurate, infringing, offensive, indecent, unlawful, or objectionable, you may notify Learning Saint through the contact details provided in these Terms.

19.6 If Learning Saint or its service providers request you to review beta features, pilot content, or platform functionality, any derivative operational feedback, testing output, or related platform-development material produced in that process may be retained and used by Learning Saint for service improvement.

20. LIMITED LICENSE

20.1 Subject to these Terms, Learning Saint grants you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Platform and Programs solely for your lawful, individual, non-commercial educational use.

20.2 You may download or copy permitted portions of Learning Saint Content only for your own personal non-commercial use, provided all proprietary notices remain intact. 20.3 You may not:

• copy, reproduce, republish, retransmit, display, distribute, sell, resell, rent, license, sublicense, modify, commercially exploit, or create derivative works from the Platform, Programs, or Content;
• reverse-engineer, decompile, disassemble, decode, extract, or otherwise attempt to derive source code, underlying ideas, structure, or logic of any software or system used in connection with the Platform or Programs;
• scrape, crawl, mirror, automate access to, or bulk-download Platform content except through general web browsing as expressly permitted;
• use Learning Saint Marks, Educational Partner names, logos, or materials without authorization;
• publish or circulate recordings, screenshots, or copies of restricted content on social media, video sites, torrents, or public repositories.

20.4 Without limiting the foregoing, the following uses are expressly outside the definition of permitted non-commercial personal use:

• sale or rental of any part of the Content;
• sale of access to any part of the Content;
• sale of derivative works based on the Content;
• paid editorial, training, support, or consulting services that use or reference Learning Saint Content;
• use of Learning Saint Content by any educational institution in tuition-based instruction without authorization;
• use of Learning Saint Content by any company or organization for internal professional development without authorization;
• upload, display, or making available of Learning Saint Content to the general public in any form without authorization.

20.5 Certain reference materials, textbooks, articles, or licensed materials may be provided under third-party permissions and remain subject to any additional lawful conditions applicable to them.

21. THIRD-PARTY INTELLECTUAL PROPERTY AND NOTICE PROCESS

21.1 Learning Saint respects third-party intellectual property rights and may remove or disable access to material alleged in good faith to infringe such rights.

21.2 Learning Saint shall not be liable for unauthorized use of third-party intellectual property by users, and the user responsible for such conduct agrees to indemnify Learning Saint against resulting claims.

21.3 If you believe that your copyright or other intellectual property rights have been infringed on the Platform or in connection with any Program, please provide a written notice containing, at minimum:

• the electronic or physical signature of a person authorized to act on behalf of the rights holder;
• identification of the copyrighted work, trademark, product, or intellectual property claimed to be infringed;
• a description of where the allegedly infringing material is located on the Platform or Program;
• your name, address, telephone number, and email address;
• a statement that you have a good-faith belief that the disputed use is not authorized by the rights holder, its agent, or the law; and
• a statement, made under penalty of perjury where applicable, that the information in your notice is accurate and that you are the rights holder or authorized to act on the rights holder’s behalf.

21.4 Learning Saint may request additional information before acting on any notice.

22. USER CONTENT

22.1 The Platform may allow you to upload or submit forum posts, chats, comments, discussion posts, profile information, assignments, hypotheticals, examples, projects, questions, media, or other content (“User Content”).

22.2 Subject to the rights granted in these Terms, you retain ownership of your User Content.

22.3 By submitting User Content, you grant Learning Saint a worldwide, perpetual, irrevocable, royalty-free, non-exclusive, transferable, and sublicensable license to host, use, store, reproduce, modify, adapt, publish, display, perform, distribute, evaluate, and otherwise exploit such User Content for service delivery, academic review, administration, quality improvement, dispute handling, lawful business use, and related operational purposes.

Y22.4 You represent and warrant that:

• you have all necessary rights, permissions, and clearances to submit the User Content;
• the User Content is not unlawful, fraudulent, misleading, or infringing;
• the User Content does not violate third-party rights;
• you are responsible for any fees or rights obligations connected to such User Content.

22.5 Learning Saint does not control all User Content and does not guarantee its accuracy, integrity, or quality.

22.6 Learning Saint may remove, restrict, refuse, or review User Content at any time and for any reason.

22.7 You are prohibited from posting or submitting User Content that includes:

• fraudulent, defamatory, libelous, abusive, threatening, discriminatory, indecent, obscene, or unlawful material;
• material discussing illegal activity with intent to facilitate or encourage it;
• infringing content;
• content you do not have the right to disclose;
• pornographic or sexually explicit unlawful material;
• advertising or unauthorized commercial solicitation;
• intentionally false or misleading information;
• viruses, malware, worms, Trojan horses, time bombs, cancelbots, or harmful code;
• automated bulk-access scripts, bots, or scraping logic;
• material that violates the rights of other users or any Applicable Law.

23. PLATFORM SECURITY

23.1 You are prohibited from violating or attempting to violate the security of the Platform or any associated Learning Saint system.

• accessing data not intended for you;
• logging into servers or accounts without authorization;
• probing, scanning, or testing vulnerability without permission;
• nterfering with service to any user, host, or network;
• introducing malware or malicious code;
• overloading, flooding, spamming, mailbombing, or crashing systems;
• forging packet headers or technical identifiers;
• sending unauthorized promotional emails or spam;
• using bots, spiders, avatars, agents, or automated tools to access or search the Platform other than generally available browsers or any authorized search function.

23.3 Learning Saint may investigate such conduct and cooperate with law enforcement or other competent authorities.

24. SITE LINKING AND THIRD-PARTY LINKS

24.1 The Platform may contain links to third-party websites, services, or resources.

24.2 Learning Saint does not author, edit, control, monitor, endorse, or guarantee such third-party sites, services, products, content, or materials.

24.3 Learning Saint shall not be liable for transactions conducted by you with third parties through linked sites or for information, content, or representations provided on those sites.

24.4 The fact that Learning Saint provides a link does not create or imply any endorsement, sponsorship, partnership, or affiliation.

24.5 You may not establish or maintain a link to the Platform from any website, application, intranet, portal, or other system without Learning Saint’s prior written consent.

24.6 In creating any approved link, you must not represent or imply that Learning Saint endorses, sponsors, or supports you, your organization, or your site unless expressly agreed in writing.

25. DISCLAIMER

25.1 The Platform and Programs may contain typographical errors, omissions, inaccuracies, or outdated information.

25.2 Learning Saint reserves the right to correct errors, update information, or modify content at any time without prior notice.

25.3 The Platform, Programs, and Content are provided on an “as is” and “as available” basis, with all faults.

25.4 To the fullest extent permitted by Applicable Law, Learning Saint disclaims all warranties, express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, compatibility, title, non-infringement, availability, and uninterrupted operation.

25.5 Learning Saint does not warrant that:

• the services will meet your requirements;
• the Platform or Programs will be uninterrupted, timely, secure, or error-free;
• any defect will be corrected;
• any result will be achieved from use of the Platform or Programs; or
• information obtained through the Platform will always be accurate, current, or reliable.

25.6 Any material downloaded or otherwise obtained through the Platform or Programs is accessed at your own discretion and risk, and you remain solely responsible for resulting damage, loss, or data compromise.

25.7 No oral or written advice, guidance, statement, or communication from Learning Saint shall create any warranty or refund right unless expressly confirmed in a written instrument signed by an authorized representative of Learning Saint.

25.8 Nothing in these Terms is intended to exclude or limit any statutory right that cannot lawfully be excluded or limited under Applicable Law.

26. LIMITATION OF LIABILITY

26.1 To the fullest extent permitted by Applicable Law, Learning Saint and its affiliates, Educational Partners, officers, directors, employees, faculty, counselors, mentors, contractors, vendors, licensors, agents, and service providers shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive losses or damages, including loss of profit, loss of goodwill, loss of opportunity, loss of data, business interruption, device failure, virus impact, or system malfunction.

26.2 To the fullest extent permitted by Applicable Law, Learning Saint’s aggregate liability arising out of or in connection with the Platform, Programs, services, or these Terms shall not exceed the lesser of:

• USD 100; or
• the total amount actually received by Learning Saint from you for the specific Program or service giving rise to the claim.

26.3 Where Applicable Law does not allow some portion of this limitation, this clause shall apply only to the maximum extent permitted by law.

27. INDEMNITY

You agree to defend, indemnify, and hold harmless Learning Saint, its affiliates, Educational Partners, officers, directors, employees, agents, contractors, licensors, and service providers from and against all claims, liabilities, damages, losses, penalties, costs, and expenses, including reasonable attorneys’ fees, arising from or relating to:

• your use or attempted use of the Platform or Programs in violation of these Terms;
• your breach of Applicable Law;
• your infringement of any third-party right;
• your User Content; or
• your fraudulent, abusive, or unlawful conduct.

28. SUSPENSION AND TERMINATION OF RIGHTS

28.1 Learning Saint may suspend, restrict, deactivate, or terminate your User Account, access to the Platform, or enrollment in any Program at any time, with or without prior notice, if Learning Saint believes that you have:

• breached these Terms;
• infringed intellectual property rights;
• posted or transmitted unauthorized or unlawful content;
• failed to make required payments;
• engaged in misconduct;
• acted inconsistently with the letter or spirit of these Terms; or
• created legal, academic, reputational, operational, or security risk.

28.2 Such suspension or termination shall not affect:

• any accrued rights of Learning Saint;
• any outstanding payment obligations owed by you; or
• Learning Saint’s right to retain and store records, logs, evidence, data, communications, and related information as permitted by Applicable Law.

28.3 Suspension or termination shall not entitle you to any refund.

29. ELECTRONIC RECORDS AND COMMUNICATIONS

29.1 You consent to the use of electronic records, click-wrap acceptance, digital confirmations, electronic signatures where lawful, dashboard notices, access logs, payment records, email confirmations, OTP logs, and other electronic evidence to document your acceptance, participation, transactions, and obligations.

29.2 Such electronic records may be relied upon to the extent permitted by Applicable Law.

30. GOVERNING LAW AND DISPUTE RESOLUTION

30.1 Because Learning Saint operates internationally, the governing law and dispute forum should be tied to the relevant contracting entity and transaction, subject always to non-waivable Applicable Law.

30.2 Unless otherwise specified in a separate signed written agreement or mandatory law:

• if your contracting entity is a Learning Saint entity operating from the United States, the governing law shall be the law of the state specified in the relevant invoice, order form, or contracting record, without regard to conflict-of-laws rules;
• if your contracting entity is a Learning Saint entity operating from the United Kingdom, the governing law shall be the law of England and Wales unless expressly stated otherwise;
• if your contracting entity is a Learning Saint entity operating from India, the governing law shall be the law of India;
• if your contracting entity is another international Learning Saint entity, the governing law shall be the law of that entity’s principal place of incorporation or operation, unless mandatory law requires otherwise.

30.3 The parties shall first attempt to resolve disputes through good-faith discussions.

30.4 If a dispute is not resolved amicably, it may be referred to arbitration or courts as specified in the relevant contracting documentation, to the fullest extent permitted by Applicable Law.

30.5 If an India-based contracting entity specifies arbitration, such arbitration should be conducted under the arbitration law in force in India, as amended from time to time. The current governing Indian arbitration statute is the Arbitration and Conciliation Act, 1996.

30.6 Nothing in these Terms is intended to deprive a consumer of any non-waivable right to bring a claim in a court or forum that Applicable Law preserves for that consumer. That matters especially in global consumer-facing operations.

31. ASSIGNMENT

31.1 Learning Saint may freely assign, transfer, delegate, subcontract, or novate any of its rights or obligations under these Terms.

31.2 You may not assign, transfer, delegate, or novate any of your rights or obligations under these Terms without Learning Saint’s prior written consent.

31.3 Any attempted assignment by you in violation of this clause shall be void.

32. SEVERABILITY

If any provision of these Terms is found to be unlawful, void, invalid, or unenforceable, that provision shall be severed to the minimum extent necessary, and the remaining provisions shall remain valid and enforceable to the fullest extent permitted by Applicable Law.

33. WAIVER

No failure or delay by Learning Saint in exercising any right, power, or remedy under these Terms shall constitute a waiver of that right, power, or remedy.

34. ENTIRE AGREEMENT

These Terms, together with the Privacy Policy, Program-specific written terms, payment terms, and any policy expressly incorporated by reference, constitute the entire agreement between you and Learning Saint concerning the subject matter hereof and supersede prior oral or written understandings on that subject, except where expressly preserved in a signed written agreement.

35. GRIEVANCE, COMPLAINTS, AND ESCALATION

35.1 If you believe your concern has not been resolved satisfactorily through standard support channels, you may escalate the matter to Learning Saint’s designated grievance, compliance, or legal contact, as applicable.

35.2 Learning Saint will make reasonable efforts to review genuine complaints in accordance with its internal procedures and Applicable Law.

35.3 Where local law requires specific complaint-handling disclosures or timelines, Learning Saint will comply with such mandatory requirements to the extent applicable.

35.4 The following details should be completed before publication:

Grievance / Compliance Contact

Name: Eric Smith
Designation: COO
Email: info@learningsaint.com
Phone: 1-(302)-592-6724
Address: 16192 Coastal Highway Lewes, Delaware 19958

36. CONTACT DETAILS

Learning Saint
Website: www.learningsaint.com
Support Email: support@learningsaint.com
Legal / Compliance Email: legal@learningsaint.com
Address: 16192 Coastal Highway Lewes, Delaware 19958
Phone: 1-(302)-592-6724

37. FINAL NON-REFUNDABLE POLICY CLARIFICATION

For abundant clarity:

Except to the limited extent required by non-waivable Applicable Law, all payments made to Learning Saint anywhere in the world are final, binding, irrevocable, and strictly non-refundable. No oral statement, counselor assurance, marketing communication, sales representation, withdrawal request, inactivity, dissatisfaction, or internal exception shall create any refund right unless such right is expressly confirmed in writing by an authorized representative of Learning Saint or is required by non-waivable Applicable Law.