Terms of Use

Terms of Use

Last updated: November 12, 2026

1. Introduction

1.1 These terms and conditions (“Terms of Use”) represent the contract between Learmo Pte Ltd (hereinafter referred to as “we”, “our”, “us” or “the Company”) and you, the user, governing your use of our website https://www.learmo.com, all pages within the domain and such other website, domain or pages provided by us (“Website”) and the services provided through the Website (“Services”).

BY USING THE WEBSITE, YOU ACCEPT AND AGREE TO BE BOUND BY THESE TERMS OF USE IN FULL. IF YOU DISAGREE WITH ALL OR ANY PART OF THESE TERMS OF USE, PLEASE DO NOT USE OR CONTINUE ANY FURTHER USE OF THIS WEBSITE.

1.2 We are an online content creation platform designed to allow users to use our website as either a content creator (“Creator”) to build, design, publish and sell courses and other services to end users or end users who subscribe or purchase courses or other services offered by Creators (“Student”).

1.3 These Terms of Use and Learmo's Privacy Policy should be read together. These Terms of Use govern access to and use of the Website and Services, while the Privacy Policy describes how Learmo collects, uses, processes, stores, discloses and protects Personal Data.

In the event of any inconsistency, the provisions should be interpreted, to the extent reasonably possible, in a manner that gives effect to both documents. Nothing in these Terms of Use limits or overrides any rights or obligations arising under applicable data protection laws. Where an inconsistency cannot be reconciled, applicable mandatory legal requirements shall prevail.

2. Access and Use of the Service

2.1 Subject to restrictions found in these Terms of Use, the Website and the Services, and any Content (as defined below) viewed through the Website and the Services, are solely for your personal and non-commercial use as a Student.

2.2 For Creators: Learmo provides a platform through which Creators may create, design, manage and operate branded Learning Hubs, publish courses and related content, enroll Students, and offer their own courses and services, including commercially where supported by the Services.

Available functionality may include course creation and management, media hosting, video streaming, AI-assisted content creation, Student enrollment, learning-progress tracking and supported payment processing.

The availability of specific features depends on the applicable service plan, eligibility, release phase and technical capabilities. During the current Beta phase, supported course payment options include free enrollment and one-time payments processed through Stripe.

Additional functionality, including integrated marketing tools, affiliate payouts, recurring course payments and additional payment processors, may be introduced in future releases but is not currently guaranteed or represented as available.

Creators' responsibilities and rights concerning their Content and commercial activities are further described in Clause 5.

2.3 For Students: With your purchase as a Student, we grant you a temporary, non-exclusive, non-transferable, revocable licence to view and access Content on the Website and view your course(s) through the Website. Except for the foregoing license, no right, title or interest shall be transferred to you. You agree not to use the service for public performances. We may revoke your license at any time in our sole discretion. Upon such revocation, you must promptly destroy all Content downloaded or otherwise obtained through the Services, as well as copies of such materials, whether made in accordance with these Terms of Use or otherwise.

2.4 In addition to these Terms of Use, you shall use the Website in compliance with all laws, directives and regulations applicable to you. Where access to the Website is prohibited in your country, you shall not attempt to access the Website and/or circumvent any measures restricting access to the Website.

2.5 You may NOT use this Website:

(a) In any way that breaches any applicable local, national or international law or regulation.

(b) In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.

(c) For the purpose of harming or attempting to harm minors in any way.

(d) To send, knowingly receive, upload, download, use or re-use any material which does not comply with our Content standards.

(e) To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).

(f) To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

(g) You also agree:

(i) Not to reproduce, duplicate, copy or re-sell any part of the Website in contravention of the provisions of our Terms of Use; and

(ii) Not to access without authority, interfere with, damage or disrupt any part of the Website, any equipment or network on which the Website is stored, any software used in the provision of the Website; or any equipment or network or software owned or used by any third party.

2.6 Any unauthorised use of the Website or Services shall result in suspension or termination under Clause 10 of these Terms of Use.

2.7 You may need to register with the Company in order to access and use the Services. If you choose to register for the Services, you must provide and maintain your information which is true, accurate, current and complete as prompted by the Services’ registration form. Registration data and certain other information about you are governed by our Privacy Policy. If you are under 18 years old, you may only use the Services with the approval of your parent or guardian.

2.8 You must not use any other account apart from your own, and you must not provide any other third party or person with the username and password to your account. You should maintain control over all of the devices that are used to access the Services. If you fail to maintain control of a device, other users may access the Services through your account and may be able to access your account information. You are fully responsible for any and all activities that occur on your account, and it is your responsibility to ensure that your password remains confidential and secure. You must immediately notify us of any unauthorized use of your password or account or any other breach of security and exit or log out from your account when not accessing the Services. We will not be liable for any loss or damage arising from your failure to comply with this provision.

2.9 We reserve the right to modify or discontinue, temporarily or permanently, the Services (or any part thereof) with or without notice, subject to applicable law. You agree that we will not be liable to you or to any third party for any modification, suspension or discontinuance of the Services to the extent permitted by applicable law. Account closure, retention and deletion of information and Content are addressed in Clause 12.6 and the Privacy Policy.

2.10 You acknowledge and agree that we may establish general practices and limits concerning use of the Services, including the period for which data or other Content may be retained and the storage space allotted on our servers on your behalf. Data retention, account closure and deletion requests are subject to Clause 12.6, the Privacy Policy and applicable law. We may establish and revise reasonable account inactivity policies, subject to these Terms of Use and applicable law. Any changes to these practices and limits will be handled in accordance with these Terms of Use.

3. Privacy Policy

3.1 We are committed to protecting and respecting your privacy. We will comply with all applicable data protection and privacy laws. Please take the time to familiarise yourself with our Privacy Policy, which you will be deemed to have accepted by using the Website.

4. Intellectual Property

4.1 We are the rightful owner or valid licensee of all right, title, interest and intellectual property rights (including but not limited to, patents, copyrights, trademarks, service marks, logos, trade names and know-how) in and to the Website (including but not limited to, information, data, text, articles, pictures, images, photographs, graphics, animations, pictures, software and programs, files, video, audio and music). You acknowledge and agree that you acquire absolutely no rights or licences in or to the Website or its Contents through your use of the Website.

4.2 Unless expressly authorised by us, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute or create derivative works based on the Services or the content, in whole or in part, except that the foregoing does not apply to the content or other materials, including without limitation code, video, images, information, data, text, software, music, sound, photographs, graphics, messages or other materials (“Content”) that you legally upload, post, publish or display (hereinafter, “Upload”) to the Services, to the Website or share with other users or recipients (“User’s Content”).

4.2A Ownership of Platform and Creator Content

For clarity, Learmo retains all applicable rights, title and interest in its proprietary platform technology, including software, source code, AI infrastructure and orchestration systems, workflows, platform architecture, Learning Hub website templates, user interface designs, layouts, and other proprietary components developed and owned by Learmo. Any third-party technology or materials incorporated into the Services remain subject to the rights of their respective owners and applicable licence terms.

Creators retain all rights, title and interest that they lawfully own in their original courses, lessons, videos, written materials, trademarks, business names, logos, branding and other content created or provided by them through the Services ("Creator Content"). Uploading, creating, managing or publishing Creator Content through Learmo does not, by itself, transfer ownership of such content to Learmo.

Creating or publishing a Learning Hub using Learmo does not transfer ownership of Learmo's underlying technology, website templates, designs or proprietary components to the Creator.

Rights relating to AI-generated materials and the permissions granted to Learmo to host, process and deliver Creator Content are addressed separately in these Terms of Use.

4.3 You shall not reproduce, distribute, exploit, communicate, reverse engineer, decompile, disassemble, perform, modify, translate, create any derivative works from or adapt any Content, source code, design or any other intellectual property relating to the Website or its Content, except in the following circumstances:

(a) To the extent that such acts are required for the lawful and reasonable use of the Website;

(b) As permitted through the functionality of the Website available to your class of user, e.g. sharing our articles using tools that we make available on the Website;

(c) In accordance with clause 4.2 above;

(d) With our express prior written permission; or

(e) To the extent permitted by any applicable law.

4.4 Product Feedback

Learmo welcomes suggestions, ideas, bug reports and other feedback voluntarily submitted by Users concerning the Services ("Feedback").

Users grant Learmo a non-exclusive, worldwide, royalty-free right to use, evaluate, reproduce, adapt and incorporate such Feedback for the purpose of developing, improving, maintaining and operating the Services, without any obligation to provide compensation.

This provision does not override any separately agreed confidentiality obligations or applicable personal data protection requirements, and does not transfer ownership of Creator Content, courses, trademarks, logos or other proprietary materials to Learmo.

4.4A Creator Branding and Promotional Use

Learmo may display Creator names, business names, trademarks, logos, course titles and other branding materials as directed or authorized by Creators within their Learning Hubs and as reasonably necessary to provide the Services.

Such operational use does not independently authorize Learmo to use a Creator's identity, branding, courses or content in Learmo's own advertising, promotional campaigns, testimonials, case studies or other marketing materials.

Any such promotional use requires the Creator's separate authorization, subject to its agreed scope and any applicable legal requirements.

4.5 Under no circumstances will we be liable in any way for any content or materials of any third parties (including any User’s Content), including, but not limited to, for any errors or omissions in any content, or for any loss or damage of any kind arising from or in connection with the use of any such content. We may, but are not obligated to, review content made available through the Services, and we have the right (but not the obligation) in our sole and absolute discretion to refuse or remove any content that is available via the Services or on the Website. Without limiting the foregoing, we have the right to refuse or remove any content that violates these Terms of Use or is deemed by us, in our sole and absolute discretion, to be objectionable or questionable. You agree that you must evaluate, and bear all risks associated with, the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.

4.6 This section 4 shall be without prejudice to section 5 on User’s Content.

5. User’s Content

5.1 You are solely responsible for all Content that you Upload or email or otherwise use via the Services.

5.2 When you Upload any Content to us, you agree and represent that you have created that Content, or you have received permission from, or are authorised by, the owner of the Content to submit it to the Website.

5.3 When Uploading Content to us, you warrant that:

(a) the information contained in the Content is accurate, and you are responsible for the accuracy and legality thereof;

(b) where the information in the Content concerns a third party other than you, you have obtained all authorisations from the said third party before creating the Content; and

you agree to indemnify us against any and all damage, costs, losses or expenses (including the full extent of legal fees) incurred or sustained by us arising out of or a breach of any of the foregoing warranties.

5.4 By using the Website, you agree that any information on any Content is provided solely by the user who posted that information, and is a representation by that user and not the Company. You agree that we do not make any representation or warranties as to the accuracy, completeness or legitimacy of such information, and that we shall in no way be liable or responsible for any losses or damages caused to you as a result of your reliance on any information on any Content to the fullest extent permitted by law.

5.5 By Uploading Content via the Services or to the Website, you warrant and represent that you own the Content or have obtained the rights and permissions necessary to Upload and use it in accordance with these Terms of Use, and by Uploading the Content you agree that:

(a) we may, but are not obligated to, review and modify any User’s Content for any reason, including for compliance with our code of conduct, prohibited content requirements or any applicable law;

(b) you are uploading the User’s Content in your discretion, and we do not in any way provide approval, permission and/or certification prior to you uploading the User’s Content;

(c) we may display your User’s Content to Users or Students who have signed up or enrolled on your Content via the Website;

(d) Licence to Operate and Deliver Creator Content
By uploading, submitting, creating or publishing Creator Content through the Services, you grant Learmo a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, process, transcode, technically adapt, display, stream, transmit and deliver such content solely as reasonably necessary to provide, operate, maintain, secure, troubleshoot and support the Services.
This licence includes processing Creator Content through Learmo's AI-powered features at your request and making Creator Content available to Students and other authorized users in accordance with the applicable access permissions and functionality of the Services.
Learmo may authorize its contracted infrastructure, hosting, storage, content delivery and other service providers to process Creator Content only to the extent reasonably necessary to provide the Services and subject to applicable contractual obligations.
This licence does not transfer ownership of Creator Content to Learmo and does not authorize Learmo to independently sell, license or commercially exploit Creator Content for unrelated purposes, use Creator Content in unrelated third-party advertising, or use private Creator Content to train or fine-tune AI models without separate, appropriate authorization.
The licence remains effective for as long as reasonably necessary to provide the Services and, following account closure or termination, only to the extent necessary for applicable legal obligations, permitted retention, security, dispute resolution, or other specifically agreed service obligations, as further addressed in Clause 12.6 and the Privacy Policy.

Nothing in this clause independently guarantees continued Student access to Creator Content following the termination or closure of a Creator's account or Learning Hub.

5.6 Creator Representations and Warranties Regarding Content

Each User represents and warrants that, with respect to any content they upload, submit, publish or otherwise make available through the Services, they either own such content or hold all licences, permissions, consents and other rights necessary to use that content through the Services in accordance with these Terms of Use.

Without limiting the foregoing, each Creator represents and warrants that they own, or have obtained all rights, licences and permissions necessary to upload, reproduce, modify where permitted, publish, sell and deliver their Creator Content through the Services, including any associated images, music, videos, educational materials, third-party content and other intellectual property, and to permit Learmo to exercise the licence granted under Clause 5.5(d).

Where Creator Content includes personal data or the name, image, voice or likeness of another individual, the Creator must have provided all required notices and obtained the necessary permissions, consents or other lawful basis required under applicable laws for providing such material through the Services.

Creators remain responsible for the legality, accuracy and non-infringing nature of the Creator Content they choose to publish, including AI-assisted materials, and for ensuring that their use of third-party materials complies with the applicable licence terms and restrictions.

Nothing in this clause transfers ownership of third-party materials to the Creator or Learmo, or limits any obligations Learmo has under applicable data protection or other laws.

5.7 You acknowledge and agree that when you post Content and/or comments on the Website, you are doing so at your own discretion and risk. You further acknowledge and agree that the views expressed by you do not necessarily reflect our views, and that we do not support or endorse any user Content. You acknowledge that we have no obligation to pre-screen, filter, monitor, review, moderate or edit any Content posted by you. You agree to indemnify us against any and all damage, costs, losses or expenses (including the full extent of legal fees) incurred or sustained by us arising out of or in relation to your comments.

5.8 You acknowledge and agree that we may preserve any Content and may also disclose any Content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process, applicable laws or government requests; (b) enforce these Terms of Use; (c) respond to claims that any content violates the rights of third parties; or (d) protect our rights, property, or personal safety; or (e) rights, property, or personal safety of our users and the public. You understand that the technical processing and transmission of the Services, including your content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

5.9 Content Review, Restriction and Removal

Learmo reserves the right, but does not undertake a general obligation, to review, restrict access to, disable, remove or refuse to publish Content where reasonably necessary to enforce these Terms of Use, respond to reported infringements, comply with applicable laws, protect Users or third parties, or maintain the security and integrity of the Services.

Where reasonably practicable and appropriate, Learmo may notify the affected User of such action, except where notification is prohibited by law or may compromise security, safety, investigations or the rights of others.

5.10 Permitted Creator Commercial Use and Restrictions

Subject to these Terms of Use, Creators may use the features and functionality made available to them through the Services to build, publish, market, deliver and sell their own lawful courses and services through their Learning Hubs.

This permission does not authorize any User to copy, reproduce, distribute, resell, sublicense, scrape, reverse engineer or otherwise commercially exploit Learmo's proprietary software, source code, underlying technology, platform architecture, templates, designs, branding or other proprietary platform components, except as expressly permitted under these Terms of Use or authorized by Learmo in writing.

Nothing in this clause transfers ownership of Learmo's proprietary technology or restricts Learmo's intellectual property rights.

The non-commercial restrictions applicable to Students remain subject to Clause 2.1.

5.11 You undertake not to post Content that, as determined in our sole and absolute discretion,

(a) is obscene, threatening, abusive, harassing, deceptive, fraudulent, invasive of another’s privacy, offensive, defamatory, or otherwise objectionable;

(b) is discriminatory on the basis of race, religion, ethnicity, sex, gender, sexual orientation, disability or age;

(c) infringes any intellectual property right of any party or individual, including but not limited to copyright, trade mark, patent, trade secret, designs and/or confidential information;

(d) is harmful to minors;

(e) constitutes the personally identifiable information of any other person which such person has not authorized you to disclose;

(f) constitutes or otherwise encourages criminal conduct;

(g) is spam or flood (repeatedly posting the same message);

(h) is posted using an account that impersonates any person or entity (including our employees or contractors) or misrepresents any connection with any person or entity; or

(i) exploits the Website for unauthorized commercial or promotional purposes, including posting spam, unsolicited solicitations, deceptive promotions, or advertising and marketing goods or services through comments or other areas not intended or authorized for such purposes.

For clarity, this restriction does not prohibit Creators from marketing or selling their own courses and services through their Learning Hubs or other features made available by Learmo for that purpose, subject to these Terms of Use and applicable laws.

6. Artificial Intelligence Features

6.1 The Services may include artificial intelligence-powered or machine learning features and tools (“AI Features”) that assist Creators in creating, generating, modifying, organising or enhancing courses, lessons, quizzes, articles, websites, marketing materials and other content or materials.

6.2 In using any AI Features, you may submit prompts, instructions, information, data, text, Content or other materials (“Input”) and receive content or other materials generated or produced through the AI Features based on such Input (“Output”).

6.3 You are responsible for any Input that you submit through the AI Features. You represent and warrant that you have all rights, licences, permissions and authorisations necessary to submit and use such Input and that your Input and use of the AI Features will not violate these Terms of Use, any applicable law or the rights of any third party.

6.4 Artificial intelligence and machine learning technologies may produce Output that is inaccurate, incomplete, misleading, inappropriate or otherwise unsuitable for your intended purpose. You acknowledge that Output is generated using automated technology and that Learmo does not warrant or guarantee the accuracy, completeness, reliability, suitability or quality of any Output.

6.5 You are solely responsible for reviewing and evaluating Output before using, publishing, distributing, selling or otherwise relying upon it. You remain responsible for any Content that you elect to use or publish through the Services, including Content created or developed using AI Features.

6.6 Due to the nature of artificial intelligence and machine learning technologies, Output may not be unique, and the AI Features may generate the same or similar Output for other users. Learmo does not represent or warrant that any Output will be unique to you.

6.7 Learmo does not represent or warrant that any Output is eligible for intellectual property protection or that its use will not infringe, misappropriate or otherwise violate the intellectual property or other rights of any third party. You are responsible for determining whether you have the necessary rights to use, publish, distribute, commercialise or otherwise exploit any Output.

Creators may use AI-generated outputs provided through Learmo in their own courses and other lawful learning products, including paid courses, subject to applicable laws and third-party rights. This does not guarantee copyright protection or exclusive ownership of such outputs.

6.8 Learmo may modify, limit, suspend, replace or discontinue any AI Feature, model or functionality from time to time in accordance with these Terms of Use.

6.9 You must not use the AI Features for any unlawful, fraudulent, harmful, deceptive, infringing or abusive purpose or in any manner prohibited by these Terms of Use or applicable law.

6.10 AI Data Processing, Output Storage and Model Training

Learmo provides its AI Features through artificial intelligence infrastructure operated under Learmo's control. Inputs submitted through these features are processed to generate the requested Outputs without being transmitted to external AI model providers.

AI-generated Outputs may be stored and made available to the relevant Creator as part of the Services, including for creating, editing, managing and publishing courses, quizzes, articles and other supported content.

Learmo does not use private Creator Content, non-public prompts, AI-generated Outputs or Student personal data to train or fine-tune artificial intelligence models without separate, appropriate authorization.

Processing Inputs and storing Outputs to provide requested AI functionality, maintain the Services, support security, diagnose technical issues and comply with applicable legal obligations is distinct from AI model training.

The processing, storage and retention of personal data associated with AI Features are governed by Learmo's Privacy Policy and applicable data protection laws.

7. Fees, Payment Transactions, Refund Policy and Acceptable Use Policy

7.1 To the extent the Services or any portion thereof is made available for any fee, you will be required to select a payment plan and provide us with information regarding your payment instrument, including without limitation, a credit card or debit card.

7.2 Prices quoted on the Website are in United States Dollars, and you agree and accept the prices stated on the Website at the time payment is made.

7.3 Payment Methods and Payment Processors

Where payment functionality is available through the Services, payments during the current Beta phase are supported through Stripe, using the payment methods made available at the applicable checkout.

PayPal and other payment processors are not currently supported.

Learmo may introduce, modify or discontinue supported payment methods or payment service providers from time to time. The payment options available for a particular transaction will be displayed through the applicable checkout process.

7.4 You represent and warrant that (i) the credit card or debit card information you supply to us via the Website is true, correct and complete, (ii) the charges you incur will be honoured by the issuer of your payment instrument (i.e. credit card or debit card), (iii) you shall pay the charges you incur including all applicable fees (not limited to administrative fees), and (iv) that you are authorized to use such payment instrument.

7.5 You will promptly update your account information with any changes (for example, a change in your billing address or credit card expiration date) that may occur. You agree to pay us the amount that is specified in the payment plan (as well as any applicable taxes) in accordance with the terms of such plan and these Terms of Use. You hereby authorize us to bill your payment instrument in accordance with the terms of the applicable payment plan (as well as any applicable taxes) until your account is terminated by you, and you further agree to pay any charges so incurred. If you dispute any charges, you must inform us within sixty (60) days from the date we charged you for such amount. We reserve the right, at our sole and absolute discretion, to revise, modify, or change our prices. Your continued use of the Services after the price revision has been effected constitutes your agreement to pay the revised amount.

7.6 If you select Services with an auto-renewal feature (“Recurring Subscription”), you authorize the Company to maintain your account information and charge that account automatically upon the renewal of the Services you choose with no further action required by you. In the event that the Company is unable to charge your account as authorized by you when you enrolled in a Recurring Subscription, the Company, may, in its sole discretion: (i) bill you for your Services and suspend your access to the Services until payment is received, and/or (ii) seek to update your account information through third party sources (i.e., your bank or a payment processor) to continue charging your account as authorized by you.

7.7 We may, at our sole and absolute discretion, revise, modify or change the price for Recurring Subscriptions from time to time and will communicate any price revisions to you in advance and, if applicable, how to accept those revisions. Price revisions for Recurring Subscriptions will only be effective starting with the next subscription cycle after the date of the price revisions. As permitted by local law, you accept the revised price by continuing to use your Recurring Subscription after the price revisions are in effect. If you do not agree with the price revisions, you have the right to reject the price revisions by cancelling your Recurring Subscription before the price revisions go into effect. Please therefore make sure you read any such notification of price changes carefully.

7.8 Any payments made to us are nonrefundable, and there are no refunds or credits for a partially utilised cycle. You may cancel a Recurring Subscription at any time, but if you cancel your subscription before the end of the current subscription cycle, we will not refund any fees already paid to us. Following any cancellation, however, you will continue to have access to the subscribed service through the end of your current subscription cycle. At any time, and for any reason, we may provide a refund, discount, or other consideration to some or all of our users ("credits"). The amount and form of any credits will be determined by us in our sole and absolute discretion. The provision of credits in one instance does not entitle you to credits in the future for similar instances, nor does it obligate us to provide credits in the future, under any circumstance.

7.9 Creator Payments, Refunds and Chargebacks

Payments made by Students for courses or services offered by Creators are separate from any fees payable directly to Learmo.

During the current Beta phase, payments for paid courses are processed through Stripe directly on the relevant Creator's connected Stripe account.

Creators are responsible for establishing their course prices, terms of sale, cancellation policies and refund policies, subject to applicable laws.

Creators are responsible for managing refunds, payment disputes and chargebacks relating to their course sales, in accordance with the applicable Stripe arrangements and applicable laws.

Learmo provides the platform and payment integration but does not independently determine a Creator's refund policy or manage refunds and chargebacks on the Creator's behalf, except where required by applicable law or Stripe's platform obligations.

8. Disclaimers and Indemnities

8.1 While the Website is intended for access 24 hours a day and 7 days a week, we do not guarantee constant, uninterrupted access to the Website, or that the Website will operate without faults or errors, or that the Website will always remain available. We reserve the right, without prior notice, to change the form, nature, and functionality of the Website; to suspend access to the Website; or to shut it down indefinitely, without assigning any reason whatsoever therefor.

8.2 We are neither a content provider nor an educational institution, and Creators and Students are not our partners, employees, or agents. The information and Content on the Website, including User’s Content, is provided “as is”, without any conditions, warranties or other terms of any kind. We provide no warranty as to the accuracy, timeliness, suitability for any purpose, completeness or reliability of any information or Content on the Website. We are under no obligation to update any information or Content on the Website. Any reliance placed on information or Content on the Website is made at your own discretion and risk. In particular, the information or Content on the Website is not intended to be, and should not be relied upon as, advice, representation, or endorsement in respect of any specific business model, investment, sale, purchase, and/or other financial or business decisions. We will not be responsible or liable for any disputes, claims, losses, injuries or damages of any kind that may arise out of the use or reliance on any User’s Content or any information provided by a Creator.

8.3 We are not responsible for interactions between Creators and Students as we only provide technological means for the Creators to broadcast, make available or share their Content and at the Creator’s election, for processing payments through the Creator’s party gateway(s).

8.4 The Website may contain advertising material submitted by third parties. We do not endorse, nor bear responsibility for the Content of the advertising material, including for its accuracy or suitability for any purpose.

8.5 We do not endorse or accept responsibility in any way for any Content (including comments) posted on the Website by users unless done in his/her capacity as duly appointed representative of the Company.

8.6 We shall not be responsible or liable to you in the event of any systems or communications errors, bugs, malware or viruses as a result of your use of the Website and its Content which results in any damage whatsoever to your hardware, software and/or data.

8.7 In order to use the Website, you may be required to download third party software. We do not provide any warranty nor accept any liability in respect of any consequences of the download, installation, operation and/or use of such third party software.

8.8 We do not warrant that the access to this Website and the Content and services provided herein is legal in the jurisdiction that you access it from. It is your sole responsibility to ensure that you are acting legally in accessing the Website and the Content and services provided herein. You agree to bear full responsibility and to indemnify us for any consequences of your unauthorised or illegal access.

8.9 We shall not be liable for any loss or damage whatsoever or howsoever caused arising directly or indirectly in connection with your use of the Website and the Content and services provided herein, except to the extent to which it is unlawful to exclude such liability under the applicable law.

8.10 We expressly exclude liability for any indirect, special, incidental or consequential loss or damage which may arise in respect of the use or otherwise of the Website and the Content and services provided herein, and for any loss of profit, opportunity, business, revenue, goodwill or anticipated savings, whether or not such losses were within our contemplation at any material time.

8.11 The Services may provide, or third parties may provide, links or other access to other sites and resources on the Internet. We have no control over such sites and resources and we will not be responsible for and we do not endorse such sites and resources. You further acknowledge and agree that we will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any content, events, goods or services available on or through any such site or resource. Any dealings you have with third parties found while using the Services are between you and the third party, and you agree that we are not liable for any loss or claim that you may have against any such third party.

8.12 You acknowledge that, with respect to any claim you may have arising out of or arising from your use of the Website, any damage suffered by you will not be irreparable or otherwise be such as to entitle you to injunctive or other equitable relief or to in any way enjoin our exploitation or other use of the Website and its Content, and your rights and remedies in any such event shall be strictly limited to the right to recover damages in an action at law, if at all.

9. Variation

9.1 We reserve the right to change these Terms of Use from time to time at our sole and absolute discretion. The most updated Terms of Use will be made available promptly on the Website. It is your responsibility to keep yourself updated and aware of the latest version of these Terms of Use. If any change is unacceptable to you, you should immediately cease all further use of the Website. If you continue using the Website after the changes take effect, you will be deemed to have accepted the changes.

10. Suspension and Termination

10.1 We will determine, in our discretion, whether there has been a breach of these Terms of Use through your use of the Website. When a breach of these Terms of Use has occurred, we may take such action as we deem appropriate. Failure to comply with these Terms of Use constitutes a material breach of these Terms of Use, and may result in our taking all or any of the following actions:

(a) Immediate, temporary or permanent withdrawal of your right to use the Website;

(b) Immediate, temporary or permanent removal of any posting or material uploaded by you to the Website;

(c) Issue of a warning to you;

(d) Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach;

(e) Further legal action against you; and

(f) Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.

11. Governing Law and Jurisdiction

11.1 Use of the Website and these Terms of Use are governed by and shall be construed in accordance with the laws of the Republic of Singapore.

11.2 Any dispute arising out of or in connection with this contract, including any question regarding its existence, validity or termination, shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (“SIAC”) in accordance with the Arbitration Rules of the Singapore International Arbitration Centre ("SIAC Rules") for the time being in force, which rules are deemed to be incorporated by reference in this clause. The seat of the arbitration shall be Singapore. The Tribunal shall consist of one arbitrator. The language of the arbitration shall be English.

12. Our General Rights in Operating the Website

12.1 We may modify, terminate, or refuse to provide Services at any time for any reason, without notice.

12.2 We may remove anyone from the Website at any time for any reason, in our sole and absolute discretion.

12.3 Authorized Access for Support and Platform Operations

Learmo may permit authorized administrative personnel to access account information, operational statistics and other information made available through its administrative systems for legitimate service-related purposes, including technical support, troubleshooting, platform maintenance, security, compliance and investigation of suspected misuse.

Where access to Creator Content, unpublished materials or other restricted information is reasonably necessary for these purposes, specifically authorized technical personnel may access such information through Learmo's underlying technical infrastructure, subject to applicable access permissions, confidentiality obligations, the Privacy Policy and applicable laws.

Such access shall be limited to what is reasonably necessary for the relevant purpose. Learmo does not routinely review or monitor Creator Content and is not obligated to conduct general monitoring of materials uploaded or published through the Services, except where required by applicable law.

12.4 We may, but have no obligation to, monitor any User’s Content that appears on the Website or review any conduct occurring through the Website, including any interactions between Creators and Students and our employees, agents and/or representatives.

12.5 We reserve the right to modify, suspend, or alter our refund policy, at our sole and absolute discretion.

12.6 Account Closure, Termination and Data Retention

Creators may request the closure of their accounts by contacting Learmo at support@learmo.com. Learmo will review and handle such requests in accordance with applicable laws, its operational capabilities and its applicable data retention obligations.

Following account closure or termination, access to the relevant account, Learning Hub and associated content may be restricted or discontinued.

If Learmo plans to discontinue its Services, we will endeavour, where reasonably practicable, to provide affected Creators with reasonable notice and an opportunity to retrieve their available content, subject to applicable law and technical limitations.

Learmo may retain certain information and restricted copies of content where reasonably necessary for legitimate purposes, including backup and recovery processes, security, fraud prevention, payment and financial records, dispute resolution, compliance with legal obligations and other applicable service obligations.

Any retained information or content will not be used for unrelated marketing or independent commercial exploitation. Learmo will delete or de-identify information when it is no longer reasonably necessary for the applicable retention purpose, subject to applicable laws, technical limitations and the Privacy Policy.

Account closure does not necessarily result in the immediate deletion of all associated information from active systems, external service providers, caches or backups.

Learmo does not guarantee continued Student access to courses or content following the closure or termination of the relevant Creator's account or Learning Hub.

12.7 We reserve the right to remove you and your User’s Content without warning if you violate any of the provisions of these Terms of Use.

12.8 We may, in our sole and absolute discretion, modify, change, alter, suspend, or terminate any provision of these Terms of Use at any time without any prior notice.

12.9 All rights not expressly granted by us are reserved.

13. Your Concerns

13.1 If you have any concerns about material which appears on the Website, please contact us at support@learmo.com. Thank you for visiting our website.

14. Additional Registered Members Terms and Conditions

14.1 By clicking on “I Accept”, “Submit”, “Login” or similar buttons, or checking the “I Accept” or similar box during account registration, or when logging into your account on the Website (“Account”), you agree to be bound by these Additional Registered Members Terms and Conditions (“Member Terms”) set out in this Section 14, in addition to Sections 1 to 13 of these Terms of Use.

14.2 The Member Terms are supplemental to Sections 1 to 13 of these Terms of Use. In the event of any conflict or inconsistency between the Member Terms and Sections 1 to 13, the Member Terms shall prevail solely to the extent of that conflict or inconsistency, subject to applicable law and Clause 1.3.

14.3 You agree that your account is for your sole, personal use and you hereby agree not to:

(a) share or permit others to use your Account login ID or password; or

(b) assign or otherwise transfer your Account to any other person or entity.

14.4 Should you be aware of any known or suspected unauthorised use of your Account, you are to promptly notify us. We shall have no responsibility or liability for any loss, damage, costs, or any other form of liabilities arising from or in connection with any wrongful or fraudulent use of your Account and password.

14.5 You shall provide (and continue to provide) us with accurate, complete and up to date information for your Account. You shall be responsible for all User’s Content, messages, and all online activity at the Site transmitted or conducted through the use of your User Name and Password.

14.6 In addition to Clause 5.7 above, you agree not to use your profile page for promotional or marketing purposes or post any prohibited Content on it.

14.7 We may restrict, suspend, terminate, deactivate or close an Account where reasonably necessary to enforce these Terms of Use, address security or suspected misuse, comply with applicable law or discontinue relevant Services, subject to applicable legal requirements. Account closure and the retention or deletion of associated information and Content are governed by Clause 12.6 and the Privacy Policy. No specific period of inactivity automatically triggers account deletion under these Terms of Use.

14.8 By signing up or enrolling for any services or content of a Creator, you expressly authorise us to provide such Creator with your information such as name, email address, IP address and the User’s Content for which you have signed up or enrolled. This information is only available to the Creator upon the purchase or enrolment of a Student in the Creator’s website. Learmo does not provide, sell, rent, release, disclose or otherwise transfer Student’s information to Creators for monetary or other valuable consideration. Students will assume full responsibility for the disclosure and use of any other information the Student elects to disclose to any other User or Creator.