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Welcome to Techstudycircle.com. Tech Study Circle, LLC, is a Delaware limited liability company. This document constitutes a legally-binding agreement (“Agreement”) governing the terms of providing you with our service. Throughout this document, the words “Study Circle,” “Techstudycircle.com,” “Tech Study Circle, LLC,” “us,” “we,” and “our,” refer to us, Tech Study Circle, LLC, our website, Techstudycircle.com, or our service, Tech Study Circle, as is appropriate in the context of the use of the words. Likewise, the words “you” and “your” refer to you, the person who is being presented with this document for your agreement.
Tech Study Circle sells financial education products designed for individuals who wish to advance their careers in the financial section. Through our website, you can purchase e-learning programs for your Certifications, Career Growth, Certification examinations, as well as other examinations. Our products are for training purposes only, and nothing on our website should be construed as investment advice. In addition, our materials are available for only one person and you are not allowed to share or distribute them unless you have received written permission from us (i.e. one person per training module).
In order to utilize our educational products, registration and creation of an account is required. During the registration process, the user shall provide their legal name and email address. The user hereby represents and warrants that they are at least eighteen years of age or the age of contractual capacity in their jurisdiction, whichever is higher, at the time of registration. The user shall provide accurate and truthful information during registration and agrees to update it promptly if any changes occur. The user acknowledges that they have the necessary equipment, including but not limited to a computer, internet connection, compatible browser, and updated software, to access and utilize our website. The company shall not be responsible for providing these necessary tools.
The user represents and warrants that they are not restricted by any law, regulation, or embargo from accessing or using the Site, including but not limited to export control laws, licensing requirements, or business trade restrictions. The company reserves the right to edit, modify, or remove any user-generated content, without notice or compensation, and without waiving its protection under Section 230 of the Communications Decency Act. In the event that the user participates in forums or other interactive features on the Site, the user shall conduct themselves in a responsible manner and shall indemnify and hold the company harmless from any claims, damages, or losses arising from their participation.
Lastly, and more importantly, by using our Site or participating in any of our courses you agree that you will not:
To participate in any specific course or obtain examination materials, the user shall pay a fee as determined by the selected package. Payment must be received prior to accessing any materials. The user shall provide payment information to a third-party payment processor through the company’s e-commerce gateway partner, which may include a bank merchant account. The company may also accept payment via PayPal, for which the user acknowledges and agrees to review and comply with the PayPal Terms of Service and Acceptable Use Policy.
The fees for the company’s financial education products are subject to change and can be found on the website, www.techstudycircle.com. In the event of a discrepancy between the listed price and the price displayed at checkout, the higher price shall take precedence. The company reserves the right to cancel any orders due to pricing errors or inaccuracies and to correct any pricing errors at any time. The user agrees to pay all amounts billed to them. The unauthorized sharing of the company’s materials or courses by the user may result in additional fees equivalent to what the company would have earned from each person to whom the materials were shared.
Due to the nature of the company’s services, refunds, whether full or partial, are not guaranteed and subject to the company’s Refund Policy. The company reserves the right to provide a refund in accordance with its policy, however, it typically does not do so. Even if payment is made without accessing or utilizing the services, a refund shall not be provided. If the user is dissatisfied, they must first seek resolution through the company. The use of credit card chargebacks in contravention of the company’s policies will be considered fraudulent behavior, and may be reported to local law enforcement and referred to a collections agency for further action.
The company warrants the quality of its e-learning products. However, as with any educational material, success in exams or achievement of a certain level of proficiency cannot be guaranteed. The company strives to provide fundamental education to aid the user’s career advancement, but makes no representations or warranties that its products will guarantee the user’s success in any exam. The user acknowledges that the company’s educational programs are provided for informational purposes only and that no claim is made that such programs will result in the user passing any examination.
Tech Study Circle must be notified of refund requests within five business days of receipt of purchased materials. In addition, to request a refund no more than ten pages of any eBook can be viewed.
All certification courses, webinars, tutorials, exam layouts, answers to quizzes or exams, study guides, pictures, audio, video, artistic works, website layout(s), links, code, and all works of authorship, including all worldwide rights therein under patent, copyright, trade secret, or other proprietary rights, created or developed by Tech Study Circle, including the aggregation of any content by any of its users into the Site, shall remain the sole and exclusive property of Tech Study Circle.
You acknowledge that you have no ownership rights to any of Tech Study Circle’s proprietary intellectual property and will not engage in any activity that infringes upon it. You are granted a non-transferable, non-sublicensable, limited, and revocable license to access and view the materials solely for their intended purpose. Any distribution of the materials to third parties or unauthorized access is strictly prohibited, and Tech Study Circle reserves the right to charge for each additional user in the event of such unauthorized sharing of the material.
By submitting any content or information to us, you represent and warrant that you have the right to distribute such content and grant us a worldwide, perpetual, fully paid-up, irrevocable license to use and distribute the content, including the aggregation of it, and waive any claims against us for any infringement. You acknowledge that we may use your answers, suggestions, name, business name, image, or experience with us in our marketing materials or for promotional purposes on our site or to improve our services.
“Tech Study Circle” is a trademark owned by Tech Study Circle, LLC, that identifies its financial education products. The use of this trademark without prior written consent from Tech Study Circle, LLC is prohibited. Further, any unauthorized use of Tech Study Circle’s trade dress or replication of its website design without prior written consent is also prohibited. This provision extends beyond the governing intellectual property law and encompasses any competition that breaches the terms outlined in this paragraph.
In the event that Tech Study Circle has granted prior written consent for your utilization of our protected material in accordance with our aforementioned “Copyright” and “Trademarks” provisions, we reserve the right to revoke such consent at any time. Should we request it, you must promptly take steps to discontinue circulation, display, publication, or other dissemination of the marks, copyrighted content, or other materials previously consented for use by you. Furthermore, Tech Study Circle reserves the right to terminate your enrollment in our courses at any time without a refund in the event of a violation of these terms.
We take copyright infringement very seriously, and we have registered a Copyright Agent with the United States Copyright Office, which limits our liability under the Digital Millennium Copyright Act.
If you believe that your copyright has been infringed, please send us a message which contains:
You must sign this notification and send it to our Copyright Agent at:
If sending the notification by e-mail, an electronic signature is acceptable. Email to admin@techstudycircle.com.
The Tech Study Circle LLC makes no guarantee or warranty regarding the suitability of its products for any particular purpose. By accepting these terms, the user releases the Tech Study Circle LLC from any and all liability arising from this agreement or its products, including but not limited to any claims for damages arising from failure of the products, negligence, or any other legal theory. If applicable law imposes any minimum liability, the Tech Study Circle LLC’s liability to the user shall be limited to such minimum amount.
YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND THE PURCHASE OF ANY TRAINING MODULE, OR PARTICIPATION IN ANY COURSE OR CLASS. WE PROVIDE THE SITE AND RELATED MATERIALS, CLASSES, OR INFORMATION “AS IS” AND ON AN “AS AVAILABLE” BASIS, AND DO NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR NON INFRINGEMENT, OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE SITE, COURSES, MODULES, ANY INFORMATION OR STUDY GUIDE PROVIDED THROUGH THE SITE, OR VIA THIRD PARTY LINKS, INCLUDING YOUR ABILITY TO PASS ANY EXAMINATION OR OBTAIN ANY CERTIFICATION, AND WE SHALL NOT BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY SUCH USE. IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL COURSES, MODULES, STUDY GUIDES, ADVICE, OR ANY EXAMINATION OR CERTIFICATION INFORMATION OR OTHER CONTENT PROVIDED THROUGH THE SITE OR VIA OUR COURSES. WE DO NOT WARRANT THAT THE SITE, ANY CLASS, OR YOUR LEARNING EXPERIENCE IN GENERAL WILL BE UNINTERRUPTED, ACCURATE, SUCCESSFUL, OR ERROR-FREE OR THAT DEFECTS IN THE SITE, CLASSES, MODULES, OR ANY INFORMATION PROVIDED WILL BE CORRECTED.
IF YOU, OR THE ENTITY YOU REPRESENT, ARE A LOCATED IN A JURISDICTION THAT REQUIRES A SPECIFIC STATEMENT REGARDING RELEASE THEN THE FOLLOWING APPLIES. FOR EXAMPLE, DELAWARE RESIDENTS MUST, AS A CONDITION OF THIS AGREEMENT, WAIVE THE APPLICABILITY OF DELAWARE CIVIL CODE SECTION 1542, WHICH STATES, “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.” YOU HEREBY WAIVE THIS SECTION OF THE DELAWARE CIVIL CODE. YOU HEREBY WAIVE ANY SIMILAR PROVISION IN LAW, REGULATION, OR CODE THAT HAS THE SAME INTENT OR EFFECT AS THE AFOREMENTIONED RELEASE.
WE DISCLAIM ALL LIABILITY TO THE FULLEST EXTENT PERMITTED. WE WILL NOT BE RESPONSIBLE FOR ANY DAMAGES, WHETHER DIRECT OR INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR OTHER, EVEN IF WE KNEW OR SHOULD HAVE KNOWN. OUR LIABILITY IN ANY JURISDICTION THAT DOES NOT ALLOW FOR THE EXCLUSION OR LIMITATION OF LIABILITY, TO THE EXTENT PERMITTED BY LAW OR TO THE AMOUNT YOU HAVE PAID UNDER THIS CONTRACT FOR THE PAST YEAR.
In other words, you agree that, although we strive to make our products useful for the purpose of passing certain exams, we are not responsible in any way for failure to pass such exams. We are not liable for any failure of our service, including any failures or disruptions, scheduled or unscheduled, intentional or unintentional, on our website which prevent access temporarily or permanently. In other words, although our website is almost always online, it may not be online when you need it to study, and you should therefore not rely on our website being online during, for example, the day before your exam.
Additionally, it should be noted that exams are controlled by third parties and subject to change. Therefore, we are not responsible for any changes that may occur to exam content that render our product unsuitable for study purposes. We are not responsible for any losses that you or any other party may incur as a result of the use of the training we provide to you.
You agree to indemnify and hold us harmless for any claims by you or any third party which may arise from or relate to this Agreement or the provision of our service to you, including any damages caused by your use of the information or training that we provide to you. You also agree that you have a duty to defend us against such claims and we may require you to pay for an attorney(s) of our choice in such cases. You agree that this indemnity extends to requiring you to pay for our reasonable attorneys’ fees, court costs, and disbursements. In the event of a claim such as one described in this paragraph, we may elect to settle with the party/parties making the claim, and you shall be liable for the damages as though we had proceeded with a trial.
This Agreement shall be governed by the laws in force in the State of Delaware. The offer and acceptance of this contract is deemed to have occurred in the State of Delaware.
You agree that any dispute arising from or relating to this Agreement will be heard solely by a court of competent jurisdiction in the State of Delaware.
If you bring a dispute in a manner other than in accordance with this section, you agree that we may move to have it dismissed, and that you will be responsible for our reasonable attorneys’ fees, court costs, and disbursements in doing so.
You agree that if you bring a dispute against us and the court finds in our favor, you will be responsible for our reasonable attorneys’ fees, costs, and disbursements in relation to the dispute.
You agree that we are not responsible to you for anything that we may otherwise be responsible for, if it is the result of events beyond our control, including, but not limited to, acts of God, war, insurrection, stock market crashes, changes in SEC regulations, riots, terrorism, crime, labor shortages (including lawful and unlawful strikes), embargoes, postal disruption, communication disruption, failure or shortage of infrastructure, shortage of materials, or any other event beyond our control.
In the event that a provision of this Agreement is found to be unlawful, conflicting with another provision of the Agreement, or otherwise unenforceable, the Agreement will remain in force as though it had been entered into without that unenforceable provision being included in it.
If two or more provisions of this Agreement are deemed to conflict with each other’s operation, Tech Study Circle shall have the sole right to elect which provision remains in force.
You may not assign your rights and/or obligations under this Agreement to any other party without our prior written consent. We may assign our rights and/or obligations under this Agreement to any other party at our discretion.
We may amend this Agreement from time to time. When we amend this Agreement, we will notify you and request that you agree to the amendments. You may refuse to agree to the amendments, but if you do, you must immediately cease using our website and our service.
At techstudycircle.com, we are committed to protecting your privacy. This Privacy Policy outlines the information we may collect from you, how we use that information, and the steps we take to protect your privacy.
We may collect personal information from you, such as your name, email address, and payment information, when you create an account, purchase a course, or subscribe to our mailing list. We also collect information about your usage of our website and courses, such as your IP address and the pages you visit.
We use your personal information to provide you with the services you request, such as delivering courses and processing payments. We also use your information to improve our website and courses, and to communicate with you about our services.
We do not sell or share your personal information with third parties for their marketing purposes. We may share your information with service providers who assist us in providing our services, such as payment processors and email marketers. These service providers are subject to strict confidentiality agreements and are only permitted to use your information to provide services to us.
We take reasonable measures to protect your personal information from unauthorized access, use, or disclosure. We use secure servers, firewalls, and encryption to protect your information, and we require our service providers to implement similar security measures.
We may update this Privacy Policy from time to time to reflect changes to our information practices. If we make any material changes, we will notify you by email or by posting a notice on our website prior to the change becoming effective.
If you have any questions or concerns about our Privacy Policy, please contact us at admin@techstudycircle.com
This Privacy Policy is effective as of 01/07/2022