Terms of Use
Last Updated: October 25, 2025
Welcome to Linqiro. These Terms of Use govern your access to and use of our website, platform, services, and content. By accessing or using linqiro.pro, you agree to be bound by these terms.
1. Acceptance of Terms
By creating an account, accessing our platform, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, you must not use our services.
2. Description of Services
Linqiro provides an online educational platform offering seminars, courses, and learning materials focused on financial goal tracking and related topics. Our services include:
- Access to online seminars and webinars
- Educational content and learning materials
- Discussion forums and community features
- Progress tracking and achievement tools
- Interactive learning resources
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.
3. User Accounts
3.1 Account Creation
To access certain features, you must create an account. You agree to:
- Provide accurate, current, and complete information
- Maintain and promptly update your account information
- Maintain the security of your password and account
- Accept responsibility for all activities under your account
- Notify us immediately of any unauthorized access
3.2 Account Eligibility
You must be at least 18 years old to create an account. If you are under 18, you may only use our services with the involvement and consent of a parent or legal guardian.
3.3 Account Termination
We reserve the right to suspend or terminate your account at any time for violations of these terms, fraudulent activity, or any conduct we deem harmful to our platform or other users.
4. User Conduct and Prohibited Activities
You agree not to:
- Violate any applicable laws or regulations
- Infringe upon intellectual property rights of others
- Upload or transmit viruses, malware, or harmful code
- Engage in harassment, abuse, or threatening behavior
- Impersonate any person or entity
- Collect or harvest user information without consent
- Interfere with or disrupt the platform or servers
- Attempt to gain unauthorized access to any systems
- Use automated systems or bots without permission
- Share account credentials with others
- Reproduce, distribute, or resell our content without authorization
- Post spam, advertisements, or promotional content without permission
5. Intellectual Property Rights
5.1 Our Content
All content on our platform, including text, graphics, logos, videos, software, and course materials, is the property of Linqiro or our licensors and is protected by copyright, trademark, and other intellectual property laws.
5.2 Limited License
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our services for personal, non-commercial educational purposes only. This license does not include:
- Resale or commercial use of our services or content
- Downloading or copying account information for third parties
- Use of data mining, robots, or similar data gathering tools
- Derivative use of our services or content
5.3 User Content
You retain ownership of content you submit to our platform. By posting content, you grant us a worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, modify, distribute, and display such content in connection with operating and promoting our services.
6. Payment and Subscriptions
6.1 Fees
Certain services require payment of fees. All fees are stated in the applicable currency and are non-refundable except as expressly provided in our refund policy.
6.2 Billing
You authorize us to charge your designated payment method for all fees. If automatic billing fails, we reserve the right to suspend your access until payment is received.
6.3 Subscription Renewals
Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. You are responsible for canceling your subscription through your account settings.
6.4 Price Changes
We reserve the right to change our pricing at any time. Price changes will not affect current subscription periods but will apply upon renewal.
7. Refund Policy
Refunds are provided at our discretion and are subject to the following conditions:
- Requests must be submitted within 14 days of purchase
- No refunds for subscriptions after the first billing period
- No refunds for completed courses or accessed content
- We reserve the right to refuse refunds for suspected abuse
8. Third-Party Links and Services
Our platform may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of third-party sites. Your use of third-party services is at your own risk.
9. Disclaimers and Limitations of Liability
9.1 No Warranties
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
- Results obtained from using our services will be accurate or reliable
- Any errors or defects will be corrected
- Our content will meet your specific requirements
9.2 Educational Content Disclaimer
Our educational content is for informational purposes only and does not constitute professional financial advice. You should consult qualified professionals before making financial decisions.
9.3 Limitation of Liability
To the maximum extent permitted by law, Linqiro and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses, resulting from:
- Your use or inability to use our services
- Unauthorized access to or alteration of your data
- Statements or conduct of third parties on our platform
- Any other matter relating to our services
Our total liability shall not exceed the amount you paid to us in the 12 months preceding the claim.
10. Indemnification
You agree to indemnify, defend, and hold harmless Linqiro and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses arising from:
- Your violation of these Terms of Use
- Your violation of any rights of another party
- Your use of our services
- Content you submit to our platform
11. Privacy and Data Protection
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. By using our services, you consent to our data practices as described in the Privacy Policy.
12. Copyright Infringement Claims
We respect intellectual property rights. If you believe content on our platform infringes your copyright, please contact us at [email protected] with the following information:
- Identification of the copyrighted work
- Identification of the infringing material
- Your contact information
- A statement of good faith belief
- A statement of accuracy under penalty of perjury
- Your physical or electronic signature
13. Modifications to Terms
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms. We encourage you to review these terms periodically.
14. 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 immediately cease.
All provisions that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
15. Dispute Resolution
15.1 Informal Resolution
In the event of any dispute, claim, or controversy, you agree to first contact us to seek informal resolution before initiating formal proceedings.
15.2 Arbitration
Any disputes not resolved informally shall be resolved through binding arbitration conducted by a mutually agreed arbitration service. The arbitration shall be conducted in English, and the arbitrator's decision shall be final and binding.
15.3 Class Action Waiver
You agree that any proceedings will be conducted on an individual basis and not as part of a class, consolidated, or representative action.
16. Governing Law
These Terms of Use shall be governed by and construed in accordance with applicable international commercial laws and principles, without regard to conflict of law provisions.
17. Severability
If any provision of these Terms of Use is found to be invalid 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.
18. Entire Agreement
These Terms of Use, together with our Privacy Policy and any other legal notices published on our platform, constitute the entire agreement between you and Linqiro regarding your use of our services.
19. Waiver
Our failure to enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative.
20. Assignment
You may not assign or transfer these Terms of Use or your account without our prior written consent. We may assign our rights and obligations without restriction.
21. Contact Information
If you have questions about these Terms of Use, please contact us:
Linqiro
52 Diane Place Eldoglen, Eldoraigne
Centurion, 0157
South Africa
Email: [email protected]
Phone: +27437226919
By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.