Terms of Use

Last Updated: May 10, 2026

Welcome to Praizea Learno. By accessing or using our website and services, you agree to be bound by these Terms of Use. Please read them carefully before proceeding.

Acceptance of Terms

By accessing praizealearno.com and participating in our seminars and educational programs, you acknowledge that you have read, understood, and agree to comply with these Terms of Use and all applicable laws and regulations. If you do not agree with any part of these terms, you must discontinue use of our services immediately.

Description of Services

Praizea Learno provides online educational seminars focused on financial cybersecurity. Our platform offers interactive learning experiences, discussion forums, structured content delivery, and opportunities for peer exchange. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

User Accounts and Registration

To access certain features of our platform, you may be required to create an account. You agree to provide accurate, current, and complete information during registration and to update such information as necessary. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You must notify us immediately of any unauthorized use of your account or any other breach of security. We reserve the right to suspend or terminate accounts that violate these terms or engage in fraudulent or inappropriate behavior.

User Conduct and Responsibilities

When using our platform, you agree to:

• Conduct yourself professionally and respectfully toward other participants and instructors
• Refrain from posting or transmitting any unlawful, threatening, abusive, defamatory, or obscene content
• Not impersonate any person or entity or misrepresent your affiliation with any organization
• Not interfere with or disrupt the services or servers connected to our platform
• Not attempt to gain unauthorized access to any portion of the platform or any other systems or networks
• Respect intellectual property rights and not reproduce, distribute, or create derivative works without permission
• Use the platform solely for lawful educational purposes

Intellectual Property Rights

All content provided through Praizea Learno, including but not limited to text, graphics, logos, videos, audio recordings, software, and course materials, is the property of Praizea Learno or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the materials solely for personal educational purposes. You may not copy, modify, distribute, sell, or lease any part of our services or content without express written permission.

User-Generated Content

Our platform may allow you to submit comments, questions, discussions, and other content. You retain ownership of any content you submit, but you grant Praizea Learno a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display such content in connection with operating and promoting our services.

You represent and warrant that you own or have the necessary rights to any content you submit and that such content does not violate any third-party rights or applicable laws. We reserve the right to remove any user-generated content that violates these terms or is otherwise objectionable.

Payment and Refund Policy

Certain services and seminars may require payment of fees. All fees are stated in the applicable currency and must be paid in accordance with the payment terms presented at the time of purchase. Payment processing is handled through secure third-party providers.

Refund eligibility and conditions are specified for each seminar or service offering. Generally, refund requests must be submitted within the timeframe indicated in the specific program terms. We reserve the right to refuse refunds for services already rendered or accessed.

Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our platform, you consent to the collection and use of information as outlined in the Privacy Policy.

Third-Party Links and Services

Our platform may contain links to third-party websites or services that are not owned or controlled by Praizea Learno. We are not responsible for the content, privacy policies, or practices of any third-party sites. You acknowledge and agree that we shall not be liable for any damage or loss caused by your use of any third-party content or services.

Disclaimers and Limitation of Liability

Our services are provided on an "as is" and "as available" basis 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.

We do not warrant that our services will be uninterrupted, secure, or error-free, or that any defects will be corrected. We make no guarantees regarding the accuracy, reliability, or completeness of any content or information provided through our platform.

To the fullest extent permitted by law, Praizea Learno shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or opportunities, arising out of or related to your use of our services, even if we have been advised of the possibility of such damages.

In jurisdictions that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability shall be limited to the maximum extent permitted by law.

Indemnification

You agree to indemnify, defend, and hold harmless Praizea Learno, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable legal fees, arising out of or related to your use of our services, your violation of these Terms of Use, or your violation of any rights of another party.

Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without cause, and with or without notice, for any reason including violation of these Terms of Use. Upon termination, your right to use the services will immediately cease.

You may terminate your account at any time by contacting us or using the account closure features provided on the platform. Termination does not relieve you of any obligations incurred prior to termination.

Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website with an updated "Last Updated" date. Your continued use of our services after any modifications constitutes acceptance of the revised terms.

We encourage you to review these Terms of Use periodically to stay informed of any updates. Material changes may be communicated through email or prominent notice on our platform.

Governing Law and Dispute Resolution

These Terms of Use shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. Any disputes arising out of or relating to these terms or your use of our services shall be resolved through good faith negotiation.

If a dispute cannot be resolved through negotiation, you agree to submit to binding arbitration in accordance with the rules of a recognized arbitration body. Each party shall bear its own costs associated with arbitration unless otherwise determined by the arbitrator.

Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any additional terms applicable to specific services, constitute the entire agreement between you and Praizea Learno regarding your use of our platform and supersede all prior agreements and understandings.

Contact Information

If you have any questions or concerns about these Terms of Use, please contact us:

Praizea Learno
Medova St, 12, Ternopil, Ternopil's'ka oblast, Ukraine, 46000
Email: help@praizealearno.com
Phone: +380675043324

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