Terms & Conditions

Effective Date: January 1, 2025

Last Updated: January 1, 2025

Welcome to AI Insight Hub. These Terms and Conditions ("Terms") govern your access to and use of our website located at https://aiinsighthub.com (the "Site") and all educational services, courses, and content provided by AI Insight Hub ("Company," "we," "us," or "our").

1. Acceptance of Terms

By accessing, browsing, or using our Site and services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and Refund Policy. These Terms constitute a legally binding agreement between you and AI Insight Hub.

2. Eligibility

You must be at least 18 years of age to use our services. By using our Site, you represent and warrant that:

• You are at least 18 years old
• You have the legal capacity to enter into binding contracts
• All information you provide is accurate, current, and complete
• You will maintain the accuracy of such information
• Your use of the Site does not violate any applicable law or regulation

3. Course Enrollment and Access

3.1 Registration

To enroll in courses, you must create an account and provide accurate, complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Ensuring your contact information is current

3.2 Course Access

Upon successful enrollment and payment:

• You will receive access to the enrolled course materials
• Access is granted for the duration specified in the course description
• Access is personal to you and may not be shared or transferred
• We reserve the right to modify or discontinue courses with notice

3.3 Course Requirements

You are responsible for:

• Meeting any prerequisites specified for courses
• Having the necessary equipment and internet connection
• Completing coursework within specified timeframes
• Participating actively and respectfully in course activities

4. Payment and Fees

4.1 Pricing

Course fees are displayed on our Site and are subject to change. We reserve the right to modify pricing at any time, but price changes will not affect courses already purchased.

4.2 Payment Processing

Payments are processed securely through third-party payment processors. By providing payment information, you:

• Authorize us to charge the specified amount
• Represent that you have the authority to use the payment method
• Agree to pay all applicable fees and taxes
• Acknowledge that payment processors have their own terms and policies

4.3 Billing

For subscription-based services:

• You will be charged on a recurring basis as specified
• Charges continue until you cancel the subscription
• Cancellation must be made before the next billing cycle
• No refunds are provided for partial billing periods

5. Intellectual Property Rights

5.1 Our Content

All content on our Site, including but not limited to text, graphics, logos, images, videos, audio, software, and course materials, is the property of AI Insight Hub 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 the Site for personal, non-commercial purposes
• Access enrolled course materials for educational purposes
• Download materials expressly designated as downloadable

5.3 Restrictions

You may not:

• Copy, modify, distribute, or create derivative works from our content
• Sell, rent, lease, or sublicense any course materials
• Remove copyright or proprietary notices
• Reverse engineer or attempt to extract source code
• Use our content for commercial purposes without written permission
• Share account credentials or course access with others

6. User Conduct

You agree to use our Site and services in a lawful and respectful manner. You shall not:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful, threatening, abusive, or harassing content
• Impersonate others or provide false information
• Interfere with or disrupt our services or servers
• Attempt to gain unauthorized access to our systems
• Collect user information without consent
• Engage in any fraudulent activities
• Upload viruses or malicious code
• Use automated systems to access the Site without permission

7. Certificates and Credentials

Upon successful completion of courses, you may receive certificates. Please note:

• Certificates indicate completion of our educational programs
• They are not accredited academic degrees or professional licenses
• Employers may have their own recognition standards
• We make no guarantees regarding employment outcomes
• Certificates may not be altered or misrepresented

8. 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 by reference. By using our services, you consent to our data practices as described in the Privacy Policy.

9. Disclaimer of Warranties

OUR SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of content
• Uninterrupted or error-free operation

We do not guarantee that:

• The Site will meet your requirements
• Services will be available at all times
• Errors will be corrected
• The Site is free from viruses or harmful components
• Results or outcomes from courses will meet your expectations

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AI INSIGHT HUB, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Business interruption
• Personal injury or property damage
• Damages arising from your use or inability to use our services

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM YOUR USE OF OUR SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to indemnify, defend, and hold harmless AI Insight Hub, its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of our Site or services
• Your violation of these Terms
• Your violation of any third-party rights
• Your violation of applicable laws
• Any content you submit or transmit

12. Modifications to Terms and Services

12.1 Terms Modifications

We reserve the right to modify these Terms at any time. When we make changes:

• We will update the "Last Updated" date
• Material changes will be communicated via email or Site notice
• Continued use after changes constitutes acceptance
• If you disagree with changes, you must discontinue use

12.2 Service Modifications

We reserve the right to:

• Modify, suspend, or discontinue any aspect of our services
• Change course content, schedules, or instructors
• Update Site features and functionality
• Impose limits on certain features

13. Termination

13.1 Termination by You

You may terminate your account at any time by contacting us. Upon termination:

• Your access to courses will cease
• Refunds will be handled according to our Refund Policy
• Some provisions of these Terms will survive termination

13.2 Termination by Us

We reserve the right to suspend or terminate your access immediately, without notice, for:

• Violation of these Terms
• Fraudulent or illegal activities
• Failure to pay fees
• Conduct harmful to other users or our business
• Any reason at our sole discretion

14. Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, United States, without regard to its conflict of law provisions.

14.2 Arbitration

Any dispute arising from these Terms or our services shall be resolved through binding arbitration, except that either party may seek injunctive relief in court. The arbitration shall be conducted in New Jersey.

14.3 Class Action Waiver

You agree that disputes will be resolved on an individual basis and waive any right to participate in class actions or class arbitrations.

15. General Provisions

15.1 Entire Agreement

These Terms, along with our Privacy Policy and Refund Policy, constitute the entire agreement between you and AI Insight Hub.

15.2 Severability

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

15.3 Waiver

Our failure to enforce any right or provision shall not constitute a waiver of that right or provision.

15.4 Assignment

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

15.5 Force Majeure

We shall not be liable for delays or failures in performance resulting from circumstances beyond our reasonable control.

16. Contact Information

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