Terms and Conditions

Last updated: January 2025

1. Acceptance of Terms

By accessing or using the MSARAT website, mobile application, courses, and any related services (collectively, the "Services"), you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our Services.

2. Eligibility

You must be at least 13 years old to use our Services. If you are under 18, you must have the consent of a parent or legal guardian. By using the Services, you represent that you meet these requirements.

3. Account Registration

You may need to create an account to access certain features. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. You agree to provide accurate and complete information.

4. Course Access and License

Upon enrollment, MSARAT grants you a limited, non-exclusive, non-transferable license to access the course materials for your personal, non-commercial educational use. You may not reproduce, distribute, modify, or publicly display any content without written permission.

5. Payments and Fees

All fees are listed in USD unless otherwise stated. Prices are subject to change, but changes will not affect enrollments already purchased. You agree to pay all charges at the prices in effect when you enroll. All sales are subject to our Refund Policy.

6. Intellectual Property

All content, including videos, text, graphics, logos, and software, is owned by MSARAT or its licensors and is protected by international copyright, trademark, and other intellectual property laws. You may not use our trademarks without prior written consent.

7. User Conduct

You agree not to: (a) use the Services for any illegal purpose; (b) harass, abuse, or harm others; (c) upload viruses or malicious code; (d) attempt to gain unauthorized access to our systems; (e) resell or redistribute course materials. Violation may result in immediate termination of your account.

8. Third-Party Links

Our Services may contain links to third-party websites or services that are not owned or controlled by MSARAT. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites.

9. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis. MSARAT makes no warranties, expressed or implied, regarding the accuracy, reliability, or availability of the Services. We do not guarantee that courses will meet your specific requirements or that access will be uninterrupted.

10. Limitation of Liability

To the fullest extent permitted by law, MSARAT shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising out of your use of the Services.

11. Indemnification

You agree to indemnify and hold harmless MSARAT, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your violation of these Terms or your use of the Services.

12. Termination

We reserve the right to suspend or terminate your account at any time, without prior notice, if we believe you have violated these Terms. Upon termination, your right to access the Services will immediately cease.

13. Governing Law

These Terms shall be governed by the laws of the United Kingdom, without regard to conflict of law principles. Any disputes shall be resolved in the courts of London, England.

14. Changes to Terms

We may update these Terms from time to time. We will notify users of material changes via email or through the platform. Continued use after changes constitutes acceptance of the new Terms.

15. Contact

For questions about these Terms, contact us at info@msaratuae.com.