Terms of Service

1. Introduction and Acceptance

Welcome to Prospak Academy ("we," "us," "our," or "the Company"). These Terms of Service ("Terms") govern your use of our website, learning platform, services, and any related applications or tools (collectively, the "Services").

By accessing or using our Services, creating an account, or making a payment, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms, you must not use our Services.

These Terms constitute a legally binding agreement between you and Prospak Academy. We reserve the right to modify these Terms at any time, and your continued use of our Services constitutes acceptance of any changes.

2. Definitions

• "User," "you," or "your": Any individual or entity using our Services
• "Student": A User enrolled in one or more of our courses
• "Instructor": A User authorized to teach courses on our platform
• "Content": All materials, courses, videos, documents, and information available on our platform
• "Account": Your registered user profile on our platform
• "Fees": All charges associated with using our Services

3. Eligibility and Account Registration

3.1 Eligibility Requirements

To use our Services, you must:

• Be at least 16 years of age
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete registration information
• Maintain the security of your account credentials

3.2 Account Registration

When creating an account, you agree to:

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

3.3 Account Termination

We reserve the right to suspend or terminate accounts that violate these Terms, engage in fraudulent activities, or pose security risks to our platform or other users.

4. Course Enrollment and Access

4.1 Course Enrollment

• Course enrollment requires full payment of applicable fees
• Partial payments may be accepted for certain courses with specific terms
• Course access begins after successful payment verification
• Enrollment is subject to course availability and capacity

4.2 Course Access and Duration

• Course access is provided for the specified duration of each program
• Access may be extended at our discretion or for additional fees
• Some courses may have lifetime access as specified in the course description
• Technical requirements must be met to access course materials

4.3 Course Completion and Certificates

• Certificates are awarded upon successful completion of course requirements
• Completion requirements vary by course and are specified in each program
• Certificates are digital and may be downloaded from your account
• Certificate verification is available through our platform

5. Payment Terms and Fees

5.1 Payment Obligations

• All fees must be paid in Nigerian Naira (₦) or as otherwise specified
• Payment is required before course access is granted
• Processing fees may apply depending on payment method chosen
• All prices are subject to change with notice

5.2 Payment Methods and Processing

• We accept card payments and bank transfers through secure payment gateways
• Payment processing is handled by third-party providers (ZainPay and others)
• Additional processing fees may apply based on payment method
• Failed payments may result in course access suspension

5.3 Refund Policy

6. User Conduct and Responsibilities

6.1 Acceptable Use

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

• Share account credentials with others
• Use the platform for any commercial purposes without authorization
• Download, copy, or redistribute course content without permission
• Attempt to circumvent security measures or access restrictions
• Engage in any activity that could harm our platform or other users

6.2 Prohibited Activities

The following activities are strictly prohibited:

• Harassment, discrimination, or abusive behavior toward other users
• Sharing inappropriate, offensive, or illegal content
• Attempting to hack, attack, or disrupt our systems
• Creating fake accounts or impersonating others
• Spamming or sending unsolicited communications
• Violating intellectual property rights

6.3 Content Standards

Any content you submit (comments, assignments, forum posts) must comply with our community standards and must not contain harmful, offensive, or inappropriate material.

7. Intellectual Property Rights

7.1 Our Content

• All course materials, videos, text, graphics, and software are protected by copyright
• We grant you a limited, non-transferable license to access course content for personal learning
• You may not reproduce, distribute, or create derivative works from our content
• The Prospak Academy name and logo are our trademarks

7.2 User-Generated Content

• You retain ownership of content you create and submit
• By submitting content, you grant us a license to use it for educational purposes
• You represent that your content does not infringe third-party rights
• We may remove content that violates these Terms or our policies

8. Privacy and Data Protection

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

By using our Services, you consent to the collection and use of your information as described in our Privacy Policy. Please review our Privacy Policy for detailed information.

9. Service Availability and Modifications

9.1 Service Availability

• We strive to provide continuous service availability
• Scheduled maintenance may temporarily interrupt service
• We are not liable for service interruptions beyond our control
• Technical requirements may change as our platform evolves

9.2 Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time. We will provide reasonable notice of significant changes that may affect your access to courses or services.

10. Disclaimers and Limitations of Liability

10.1 Service Disclaimers

10.2 Limitation of Liability

To the maximum extent permitted by law, Prospak Academy shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities.

Our total liability for any claims related to our Services shall not exceed the amount you paid for the specific course or service giving rise to the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless Prospak Academy, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of our Services, violation of these Terms, or infringement of any third-party rights.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to conflict of law principles.

12.2 Dispute Resolution

• We encourage informal resolution of disputes through direct communication
• Any legal proceedings shall be brought in the courts of Nigeria
• You consent to the jurisdiction of Nigerian courts
• Mediation may be required before pursuing legal action

13. Termination

13.1 Termination by You

You may terminate your account at any time by contacting us or using the account closure feature. Termination does not entitle you to refunds except as specified in our refund policy.

13.2 Termination by Us

We may terminate or suspend your account immediately for:

• Violation of these Terms or our policies
• Fraudulent or illegal activities
• Repeated abusive behavior
• Non-payment of fees
• Security threats to our platform

13.3 Effect of Termination

Upon termination, your access to courses and platform features will cease immediately. Provisions regarding intellectual property, liability limitations, and dispute resolution shall survive termination.

14. Referral Program Terms

14.1 Program Overview

• Referral rewards are paid for successful course enrollments and payments
• Current referral reward is ₦5,000 per qualified referral
• Referral codes must be used during the registration process
• Rewards are credited after the referred student's payment is verified

14.2 Program Rules

• Self-referrals are not permitted
• Fraudulent referrals will result in account termination
• Referral rewards may be modified with notice
• Payment of rewards is subject to verification processes

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy and any additional terms for specific services, constitute the entire agreement between you and Prospak Academy.

15.2 Severability

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

15.3 No Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

15.4 Assignment

You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights and obligations under these Terms without restriction.

16. Contact Information

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

We will respond to your inquiries within 48 hours during business days.