Terms and Conditions

These Terms and Conditions ("Terms") govern your use of the website governance-optimized.learnworlds.com (the "Website") and the e-learning services provided by Governance Optimized Ltd ("we," "us," or "our"). By accessing or using our Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Website or Services. IMPORTANT: Your use of this Website does not create a binding contract until you place an order and we confirm acceptance by sending you a confirmation email.
1. DEFINITIONS In these Terms, the following definitions apply: •        "Account" means your registered account containing personal information, payment details, and credentials for accessing our Services. •        "Content" means all text, graphics, images, audio, video, software, and other materials on the Website. •        "Services" means the e-learning platform, courses, and related services we provide through the Website. •        "User" or "you" means any person who accesses or uses the Website. •        "Payment Information" means credit/debit card numbers, bank account details, or other payment details used for purchasing Services.
2. ACCEPTANCE OF TERMS By accessing or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using the Website on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
3. ELIGIBILITY AND AGE RESTRICTIONS You must be at least 18 years old to use our Services independently. Users under 18 may use the Website only with: •        Adult supervision and consent •        Payment information provided by a parent or legal guardian By using the Website, you represent and warrant that you meet these eligibility requirements.
4. USER ACCOUNTS 4.1 Account Creation To access certain Services, you must create an Account. When creating an Account, you agree to: •        Provide accurate, current, and complete information •        Maintain and update your information to keep it accurate •        Maintain the security and confidentiality of your login credentials •        Accept responsibility for all activities under your Account 4.2 Account Security You are responsible for maintaining the confidentiality of your Account credentials. You must immediately notify us of any unauthorized use of your Account or any security breach. We are not liable for losses caused by unauthorized use of your Account. 4.3 Account Termination We reserve the right to suspend or terminate your Account at any time for violation of these Terms, fraudulent activity, or any reason we deem appropriate. You may close your Account at any time by contacting us at academy@g-optimized.com.
5. SERVICES AND PAYMENTS 5.1 Service Description We provide access to e-learning courses and educational content through our proprietary platform. The specific features and content available may vary depending on your subscription or purchase. 5.2 Pricing and Payment All prices are displayed on the Website and are subject to change. When you purchase Services: •        Payment is due at the time of purchase unless otherwise stated •        You authorize us to charge your Payment Information for all fees •        All payments are processed securely through third-party payment processors •        Taxes may apply based on your location 5.3 Order Acceptance Your order constitutes an offer to purchase Services. We reserve the right to accept or reject any order. A binding contract is formed only when we send you an order confirmation email. We may refuse orders for any reason, including product availability or payment issues. 6. CANCELLATION AND REFUNDS 6.1 Cooling-Off Period (14 Days) You have the right to cancel your purchase within 14 calendar days from the date of purchase without providing a reason. However, by requesting immediate access to digital content or Services, you acknowledge that: •        You waive your right to cancel if the Services are fully provided within the cooling-off period •        If you cancel after Services have begun but before completion, you will be charged proportionally for Services already provided 6.2 Refund Processing Approved refunds will be processed within 5 working days and no later than 14 calendar days after we receive your cancellation notice. Refunds will be issued to the original payment method. 6.3 Cancellation After Cooling-Off Period Cancellations after the 14-day cooling-off period are subject to the specific terms of your subscription or purchase and may be subject to minimum contract durations.
7. INTELLECTUAL PROPERTY RIGHTS 7.1 Our Content All Content on the Website, including text, graphics, logos, images, videos, software, and course materials, is owned by Governance Optimized Ltd or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not: •        Copy, reproduce, distribute, or publicly display our Content without permission •        Modify, adapt, or create derivative works from our Content •        Use our Content for commercial purposes without authorization •        Remove or alter any copyright, trademark, or proprietary notices 7.2 Limited License We grant you a limited, non-exclusive, non-transferable license to access and use the Content solely for your personal, non-commercial use in connection with the Services you have purchased. 7.3 Third-Party Content Some Content on the Website may belong to third parties. You must respect their intellectual property rights and comply with any additional terms they impose.
8. ACCEPTABLE USE POLICY When using our Website and Services, you agree NOT to: •        Use obscene, vulgar, abusive, threatening, harassing, defamatory, discriminatory, or offensive language •        Submit content that is unlawful, promotes violence, or violates others' rights •        Impersonate any person or entity, including our employees or representatives •        Engage in unauthorized mass communications (spam or junk mail) •        Attempt to gain unauthorized access to any part of the Website or Services •        Interfere with or disrupt the Website or servers •        Use automated systems (bots, scrapers) to access the Website •        Violate any applicable laws or regulations We reserve the right to monitor communications and may remove content or suspend Accounts that violate this policy.
9. THIRD-PARTY LINKS AND SERVICES 9.1 Links to External Websites Our Website may contain links to third-party websites. We do not control these websites and are not responsible for their content, privacy practices, or terms. The inclusion of any link does not imply our endorsement. You access third-party websites at your own risk. 9.2 Links to Our Website You may link to our homepage (governance-optimized.learnworlds.com) without prior permission. Deep linking to specific pages requires our express written permission. Contact us at academy@g-optimized.com for permission.
10. DISCLAIMERS THE WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." To the maximum extent permitted by law, we disclaim all warranties, express or implied, including: •        Warranties of merchantability, fitness for a particular purpose, and non-infringement •        Guarantees that the Website will be error-free, secure, or uninterrupted •        Warranties regarding the accuracy, reliability, or completeness of Content •        Guarantees of specific results from using our Services No Advice: Content on the Website is for informational purposes only and does not constitute professional advice. You should not rely on Website Content for making decisions without seeking professional consultation.
11. LIMITATION OF LIABILITY TO THE MAXIMUM EXTENT PERMITTED BY LAW: •        We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill •        Our total liability for any claims arising from these Terms or your use of the Services shall not exceed the amount you paid us in the 12 months preceding the claim •        We are not liable for service interruptions caused by external factors including ISP failures, power outages, natural disasters, or government actions •        You use the Website at your own risk and are responsible for your own internet security IMPORTANT: Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.
12. INDEMNIFICATION You agree to indemnify, defend, and hold harmless Governance Optimized Ltd, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from: •        Your use of the Website or Services •        Your violation of these Terms •        Your violation of any third-party rights
13. PRIVACY AND DATA PROTECTION Your use of the Website is governed by our Privacy Policy, available at governance-optimized.learnworlds.com/privacy, which is incorporated into these Terms by reference. By using the Website, you consent to our collection, use, and disclosure of personal information as described in the Privacy Policy.
14. MODIFICATIONS TO SERVICES AND TERMS We reserve the right to modify, suspend, or discontinue the Website or Services at any time without notice. We may also update these Terms from time to time. Material changes will be posted on the Website with a new "Last Updated" date. Your continued use after changes constitutes acceptance of the updated Terms.
15. TERMINATION We may terminate or suspend your access to the Website immediately, without notice, for any reason, including breach of these Terms. Upon termination: •        Your right to use the Website and Services immediately ceases •        We may delete your Account and Content •        Provisions that by their nature should survive termination shall remain in effect
16. GOVERNING LAW AND DISPUTE RESOLUTION These Terms shall be governed by and construed in accordance with the laws of Kenya. Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Kenya.
17. GENERAL PROVISIONS 17.1 Entire Agreement These Terms, together with our Privacy Policy, constitute the entire agreement between you and Governance Optimized Ltd regarding use of the Website. 17.2 Severability If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be severed from these Terms and shall not affect the validity and enforceability of the remaining provisions. 17.3 Waiver Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. 17.4 Assignment You may not assign or transfer these Terms or your Account without our prior written consent. We may assign these Terms without restriction. 17.5 No Third-Party Beneficiaries These Terms create no third-party beneficiary rights. The agreement is solely between you and Governance Optimized Ltd.
18. CONTACT INFORMATION For questions, concerns, or notices regarding these Terms, please contact us: Governance Optimized Ltd Email: academy@g-optimized.com Website: governance-optimized.learnworlds.com Address: [Please insert complete business address] Notices sent by email are deemed received on the day of sending if sent on a business day, or the next business day if sent on a weekend or public holiday. Notices sent by post are deemed received 3 days after posting. 

By using our Website and Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.