Terms of Service

1. Introduction

Welcome to Pearly Portfolio Limited ("Company", "we", "our", or "us"). These Terms of Service ("Terms") govern your use of our website pearly-portfolio.com and our online learning services.

By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

2. Company Information

Pearly Portfolio Limited is a company registered in England and Wales.

3. Eligibility and Account Registration

3.1 Age Requirement

Our services are designed for adults aged 18 and over. By using our services, you confirm that you are at least 18 years old.

3.2 Account Creation

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorised use

4. Educational Services

4.1 Course Offerings

We provide online learning courses and educational materials. Course descriptions, duration, and requirements are subject to change with reasonable notice.

4.2 Access and Availability

Course access is provided for the duration specified in your course enrolment. We strive to maintain 24/7 availability but cannot guarantee uninterrupted service.

4.3 Academic Integrity

Students must maintain academic honesty and integrity. Prohibited activities include:

• Plagiarism or cheating
• Sharing account credentials
• Unauthorised collaboration on assessments
• Misrepresenting academic achievements

5. Fees and Payment

5.1 Course Fees

Course fees are clearly displayed before enrolment. All prices are in British Pounds (GBP) and include applicable taxes.

5.2 Payment Terms

Payment is due upon enrolment unless alternative arrangements are agreed. We accept major credit cards and other specified payment methods.

5.3 Refund Policy

Refunds are available within 14 days of course commencement, subject to our refund policy. No refunds are provided after course completion or certification.

6. Certificates and Qualifications

6.1 Completion Requirements

Certificates are awarded upon successful completion of all course requirements, including assessments and minimum participation standards.

6.2 Authenticity

All certificates are digitally verified and may be validated through our online verification system.

6.3 Accreditation

Where applicable, course accreditation details are clearly stated. We make no representations about recognition by third parties unless specifically stated.

7. Intellectual Property

7.1 Our Content

All course materials, including text, images, videos, and assessments, are owned by us or our licensors and protected by copyright and other intellectual property laws.

7.2 Student Use

Students may access and use course materials solely for personal educational purposes. Prohibited uses include:

• Reproducing or distributing materials
• Creating derivative works
• Commercial use without permission
• Reverse engineering or circumventing security measures

7.3 Student Content

You retain ownership of content you submit but grant us a licence to use it for educational and service improvement purposes.

8. Acceptable Use

You agree not to:

• Violate any applicable laws or regulations
• Harass, threaten, or abuse other users or staff
• Post inappropriate, offensive, or discriminatory content
• Interfere with the operation of our services
• Attempt to gain unauthorised access to our systems
• Use our services for commercial purposes without permission

9. Account Termination

9.1 Termination by You

You may terminate your account at any time by contacting us. Refunds, if applicable, will be processed according to our refund policy.

9.2 Termination by Us

We may suspend or terminate your account for:

• Violation of these Terms
• Non-payment of fees
• Fraudulent or illegal activity
• Extended inactivity

10. Limitation of Liability

To the fullest extent permitted by law:

• We provide services "as is" without warranties
• We are not liable for indirect, consequential, or incidental damages
• Our total liability shall not exceed the fees paid for the relevant service
• We do not guarantee specific educational outcomes or employment results

This does not limit our liability for death, personal injury, fraud, or other matters where liability cannot be excluded by law.

11. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Changes to Terms

We may update these Terms from time to time. Material changes will be communicated through our website or email. Continued use of our services after changes constitutes acceptance of the updated Terms.

13. Dispute Resolution

We encourage resolving disputes through direct communication. If you have concerns, please contact us first. For unresolved issues, you may also contact relevant consumer protection agencies or consider alternative dispute resolution services.

14. Contact Information

For questions about these Terms, please contact us:

15. Severability

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