Terms of Use

Last Updated: May 16, 2025

Welcome to Woqarnes. These Terms of Use govern your access to and use of our website, webinars, online learning platform, and related services. By accessing or using our services, you agree to be bound by these terms.

1. Acceptance of Terms

By creating an account, accessing our platform, or participating in our webinars and educational programs, 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 may not use our services.

2. Description of Services

Woqarnes provides an online learning platform that offers:

Live and recorded webinars on household budgeting and financial education
Interactive communication tools for participant engagement
Educational resources and materials
Access to expert instructors and industry professionals
Community features for learner interaction

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

3. Account Registration and Security

3.1 Account Creation

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

Provide accurate, current, and complete information during registration
Maintain and promptly update your account information
Maintain the security of your password and account credentials
Notify us immediately of any unauthorized use of your account
Accept responsibility for all activities that occur under your account

3.2 Account Eligibility

You must be at least 18 years of age 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.

4. User Conduct and Prohibited Activities

You agree not to engage in any of the following prohibited activities:

Violating any applicable laws or regulations
Infringing upon the intellectual property rights of others
Transmitting harmful code, viruses, or malicious software
Attempting to gain unauthorized access to our systems or networks
Interfering with or disrupting the platform or servers
Harassing, threatening, or abusing other users or instructors
Impersonating any person or entity
Collecting or storing personal data of other users without consent
Using automated systems to access the platform without authorization
Sharing account credentials with unauthorized individuals
Recording, distributing, or republishing webinar content without permission
Using the platform for commercial purposes without our written consent

5. Intellectual Property Rights

5.1 Our Content

All content provided through our platform, including but not limited to webinars, videos, text, graphics, logos, images, audio clips, software, and educational materials, is owned by Woqarnes 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. This license does not include any right to:

Download or copy content except where explicitly permitted
Modify, adapt, or create derivative works
Distribute, sell, or commercially exploit our content
Remove any copyright or proprietary notices

5.3 User-Generated Content

By submitting comments, questions, feedback, or other content to our platform, you grant us a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, and distribute such content for any purpose related to our services.

6. Payment Terms and Enrollment

6.1 Fees and Pricing

Certain webinars and programs require payment of fees. All fees are stated in the applicable currency and are subject to change. You agree to pay all fees associated with your enrollment.

6.2 Payment Processing

Payments are processed through secure third-party payment processors. You agree to provide valid payment information and authorize us to charge your payment method for all fees incurred.

6.3 Refund Policy

Refund eligibility depends on the specific program or webinar. Refund requests must be submitted according to the terms specified for each offering. We reserve the right to deny refunds for completed webinars or accessed content.

6.4 Subscription Services

If you enroll in a subscription-based program:

Your subscription will automatically renew unless canceled
You may cancel at any time through your account settings
Cancellation takes effect at the end of the current billing period
No refunds are provided for partial subscription periods

7. Webinar Participation

7.1 Live Webinar Access

When you register for a live webinar, you will receive access credentials and instructions. You are responsible for ensuring you have the necessary technology and internet connection to participate.

7.2 Recording and Replay

We may record live webinars for replay access. By participating, you consent to being recorded if you engage through video or audio. Recordings are available to enrolled participants for a limited time as specified in the program details.

7.3 Participant Conduct

During webinars, you agree to maintain respectful communication, follow moderator instructions, and refrain from disruptive behavior. We reserve the right to remove participants who violate these standards.

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy. By using our services, you consent to our data practices as described in that policy.

9. Third-Party Links and Services

Our platform may contain links to third-party websites or services that are not owned or controlled by Woqarnes. We are not responsible for the content, privacy policies, or practices of any third-party sites. You access third-party sites at your own risk.

10. Disclaimers and Limitations of Liability

10.1 Educational Purpose

Our content is provided for educational and informational purposes only. While we strive for accuracy, we make no guarantees about the completeness, reliability, or suitability of the information provided. You are responsible for your own financial decisions.

10.2 No Professional Advice

Content provided through our platform does not constitute professional financial, legal, or tax advice. You should consult qualified professionals for advice specific to your circumstances.

10.3 Service Availability

We provide our services on an "as is" and "as available" basis. We do not warrant that:

Services will be uninterrupted, secure, or error-free
Results obtained will be accurate or reliable
Technical issues will be corrected promptly
The platform will meet your specific requirements

10.4 Limitation of Liability

To the maximum extent permitted by law, Woqarnes and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.

11. Indemnification

You agree to indemnify, defend, and hold harmless Woqarnes and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys' fees, arising from:

Your violation of these Terms of Use
Your use or misuse of our services
Your violation of any rights of another party
Any content you submit to our platform

12. Modification of Terms

We reserve the right to modify these Terms of Use at any time. We will notify users of material changes by posting the updated terms on our website and updating the "Last Updated" date. Your continued use of our services after such modifications constitutes acceptance of the updated terms.

13. Termination

13.1 Termination by You

You may terminate your account at any time by contacting us or using the account closure feature. Termination does not relieve you of any obligations incurred prior to termination.

13.2 Termination by Us

We reserve the right to suspend or terminate your account and access to our services at any time, with or without notice, for any reason, including:

Violation of these Terms of Use
Fraudulent or illegal activity
Extended periods of inactivity
Actions that harm other users or our reputation

13.3 Effect of Termination

Upon termination, your right to use our services immediately ceases. We may delete your account data, and you will lose access to any purchased content or ongoing programs, subject to applicable refund policies.

14. Dispute Resolution

14.1 Informal Resolution

If you have a dispute with us, you agree to first contact us and attempt to resolve the dispute informally by sending a written notice describing the nature and basis of the claim.

14.2 Binding Arbitration

If informal resolution is unsuccessful, any dispute arising from or relating to these Terms of Use shall be resolved through binding arbitration rather than in court, except where prohibited by law. The arbitration shall be conducted by a neutral arbitrator and governed by applicable arbitration rules.

14.3 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

15. General Provisions

15.1 Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Woqarnes regarding your use of our services.

15.2 Severability

If any provision of these terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15.3 Waiver

Our failure to enforce any right or provision of these terms shall not constitute a waiver of such right or provision.

15.4 Assignment

You may not assign or transfer these terms or your account without our prior written consent. We may assign or transfer these terms at any time without restriction.

15.5 Force Majeure

We shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including natural disasters, war, terrorism, labor disputes, or internet service failures.

16. Contact Information

If you have questions about these Terms of Use, please contact us:

Woqarnes
1149 N Gower St
Los Angeles, CA 90038
United States

Email: contact@woqarnes.com
Phone: +1 719-542-9077
WhatsApp: +1 719-542-9077
Telegram: @woqarnes

By using Woqarnes services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.