[last updated June 2024]

Introduction

We use a no-nonsense approach to teach language online, and we apply this same approach to the way we run the ‘behind the scenes’ part of our business too. We take pride in our clear and transparent business practices. So you know who we are, and if you need to contact us, here are our details:

When we refer to ‘you’, ‘user’, or ‘your’ in our terms and conditions, we mean you, the user of our services or visitor to our website.

What comprises our Terms and Conditions and why they are important?

The way users interact online is complicated and ever-changing. In their struggle to keep up, lawmakers around the world regularly change the rules and regulations we must abide by to provide our services to you, and it gets more and more complicated.

To make this information easier to read and understand, we have broken our terms and conditions into the following parts:

• Our Terms of Use
• Zippy Learner Membership Terms
• Privacy Policy
• Our Rules of Engagement for Social Media

Together with this introduction, these 4 documents form our ‘terms and conditions’ and are our agreement with you for your use of our services.

We encourage you to carefully read and understand our terms and conditions before using our services. By continuing to use our services, you agree to be bound by them. If you do not agree with our terms and conditions, you must stop using our services and/or any other registration(s) you have with us.

We may update our terms and conditions from time to time and the new provisions will apply from the date they are updated so we encourage you to check them regularly. We will endeavor to provide prior notice of changes to our social media followers and subscribers.

Our Terms of Use

[last updated June 2024]

1. No unlawful or prohibited use

As a condition of your use of our online services, you warrant that you will not use our online services for any purpose that is unlawful or prohibited by these terms and conditions. You may not use our online services in any manner which could damage, disable, overburden, or impair our online services or interfere with any other party’s use and enjoyment of our online services.

You expressly agree not to:

• engage in threatening, harassing or defamatory behavior,
• engage in any internal or external spamming, or other similar actions,
• engage in any unlawful or immoral acts, or acts which are in violation of these terms and conditions,
• hack into areas of our online services that are not intentionally made available to you,
• decompile, reverse engineer, or try to copy or imitate our online services or underlying content.

2. Your Zippy Learner Account

You must be 18 years of age to set up an account. If you are under 18 years of age, you will need a parent or legal guardian to set up an account that you can access with their permission.

You agree to provide true and correct details when setting up your account. You agree not to create more than one account with Zippy Learner.

You agree that you will not share your Zippy Learner username and password with anyone who is not specifically authorised by you to access your account. You acknowledge that you will take all reasonable steps to ensure that no unauthorised person is able to access your account.

You are solely responsible for any costs, expenses, actions and claims made in respect of the use of your account.

You agree that we can contact you as and when needed to provide the services offered by Zippy Learner via the email address that you use to set up your Zippy Learner account. You acknowledge that it is your responsibility to keep your contact details up to date.

3. Links disclaimer

Our online services may contain links to other websites (linked sites). The linked sites are not under our control and we are not responsible for the contents of a linked site. We are not responsible for any form of transmission received from any linked site.

Links are provided to you only as a convenience, and the inclusion of any link does not imply our endorsement of the website, or any association with its operators. We may include links to resources that are available to download for free, or available to buy. If you buy a product through a link we have provided, it is likely that we will earn an affiliate commission on that sale. It is up to you whether you buy from that website and you buy at your own risk.

4. Copyright, trademarks and other intellectual property

All names, logos and trademarks are the property of Zippy Learner or the third parties contributing to our online services. Nothing on our online services should be construed as granting any license or right to use any name, logo or trademark without the express prior permission of the owner or the relevant contributor.

You agree that all content appearing on our online services, including but not limited to text, graphics, pictures, videos, information, applications, software and other files are the proprietary property of Zippy Learner, its users or its licensors with all rights reserved. No content on any online service may be modified, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without Zippy Learner’s prior written approval.

Please contact contact@ZippyLearner.com if you require permission to reproduce any of the contents of any part of our online services.

Permission: You may access, download, or print material from our online services for your personal use only. Sharing without prior permission and commercial use of any sort is expressly prohibited. You agree not to change or delete any copyright or proprietary notice from materials downloaded from our online services or any site accessible through our online services.

Except as otherwise expressly granted to you in writing, we do not grant you any other express or implied right or license to use our online services content or our intellectual property.

5. Infringement of proprietary rights (DMCA process)

If you believe that there is material on our online services that infringes third party intellectual property rights, please send us written notice to contact@ZippyLearner.com including the following information:

• reasonably sufficient details to enable us to identify the work claimed to be infringed or, if multiple works are claimed to be infringed, a list of those works (for example: title, author, any registration or tracking number, URL),
• reasonably sufficient detail to enable us to identify and locate the material that is claimed to be infringing (for example a link to the page that contains the material),
• your contact information so that we can contact you (for example, your address, telephone number, email address),
• a statement that you have a good faith belief that the use of the material you have identified is not authorized by the copyright owner, its agent, or the law,
• a statement, under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the owner of the exclusive right that is alleged to be infringed,
• and your physical or electronic signature.

We will then make a decision about removing it from Zippy Learner online services.

If we do remove material and you think we are wrong, you can send us a ‘counter-notification’ to contact@ZippyLearner.com including the following information:

• identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or disabled,
• a statement, under penalty of perjury, that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material in question,
• your name, address and telephone number,
• a statement that you consent to the jurisdiction of, and will accept service of, a legal claim from the person who submitted a notice that lead to that work being removed from our website,
• and your physical or electronic signature.

Be aware that you may be subject to liability if you knowingly make any misrepresentations when providing information to us.

6. Security

We make every effort to maintain the security of our online services. However, we do not guarantee the security of our systems, our records or your data.

Continuous access to Zippy Learner online services is dependent on third party services and requires network connectivity and location services to function. Poor signal quality due to your location or service provider may slow down or prevent audio, video and other functions from working at optimum speed, or at all. If you have concerns regarding the quality of your signal strength, please contact your network service provider directly.

Due to dependence on third party services, Zippy Learner online services may be inaccessible from time to time.

Zippy Learner disclaims all liability for any computer virus or technological problems that were not intentionally caused by it or are beyond Zippy Learner’s control. You are encouraged to install and maintain up-to-date security software on your devices.

7. Limitation of liability

To the maximum extent permitted by law, any terms that would otherwise be implied by legislation, common law, equity, trade, custom or usage are excluded, as is any liability for indirect or consequential loss arising in connection with the use of Zippy Learner online services.

Nothing in these terms and conditions is intended to exclude, restrict or modify any consumer guarantee, right or remedy conferred by law that cannot be excluded, restricted or modified by agreement.

Where Zippy Learner’s liability cannot be lawfully excluded, it is limited at the option of Zippy Learner, to:

• the resupplying of access to Zippy Learner online services, or
• the refund of the amounts paid by you for your access to Zippy Learner online services for the period the complaint or action relates to.

The maximum aggregate liability of Zippy Learner for all proven losses, damages and claims arising out of or in connection with these terms and conditions, including liability for breach, in negligence or in tort or for any other common law or statutory action is limited to the sum of US$100.

8. Indemnity

You agree that your access to and use of Zippy Learner online services will be at your sole risk.

You agree to indemnify and defend Zippy Learner from any claims, damages, liabilities, costs, or expenses (including without limitation court costs, collection costs, and reasonable legal fees), relating to:

• any personal injury, death or damage to tangible property suffered by you or any third party in any way associated with your use of Zippy Learner online services,
• any claim by a third party arising out of your use of Zippy Learner online services,
• your unauthorized use of Zippy Learner online services, or
• your breach of Zippy Learner terms and conditions for online services.

Nothing in this agreement authorizes you to defend, compromise or settle any claim or proceeding on behalf of Zippy Learner.

9. Disclaimer

Success in learning a new language is dependent upon the amount of time and effort you devote to the process. Some people have stronger natural aptitude to learn languages than others and will pick up skills quickly, others will need to apply more focused attention to their learning, other people struggle. We have structured paid and free resources in the form of courses, digital downloads, live webinars, group classes, and private online lessons that we believe provide the best opportunity for you to achieve the language learning milestones we identify as your progress through the materials and resources, but we provide no guarantee you will actually achieve those goals.

You specifically acknowledge and agree that your use of our online services is at your own risk.

While every care is taken, we make no representations about the suitability, reliability, availability, timeliness, and accuracy (including accuracy for dialect, translations or pronunciation) of anything contained on our online services for any purpose, to the maximum extent permitted by applicable law, anything contained on our online services is provided “as is” and “as available” basis without warranty or condition, whether express or implied, of any kind.

Zippy Learner makes no promises that you will have uninterrupted or error-free access to and use of Zippy Learner online services, or that the online services will meet your requirements.

Anything available via our online services may include inaccuracies or typographical errors. Changes are periodically made to the information on and available via our online services.

No advice or information, whether oral or written, obtained by you from Zippy Learner or through our online services will create any warranty not expressly stated in these terms and conditions.

Any material downloaded or otherwise obtained through the use of our online services is accessed at your own discretion and risk, and you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material.

10. General

Relationship – No joint venture, partnership, employment, or agency relationship exists between you and Zippy Learner as a result of these terms and conditions or your use of Zippy Learner.

Waiver – Any time or other indulgence granted by Zippy Learner to you will not in any way amount to a waiver of any of Zippy Learner’s rights or remedies.

Assignment – You must not assign, sublicense or otherwise transfer your rights under these terms and conditions.

Notice—You may provide notice to Zippy Learner by submitting a Support Request through the members portal or by email addressed to contact@ZippyLearner.com. We may provide notice to you via email or other electronic means.

Governing Law – This agreement is governed by the laws of Korea. You agree to be subject to the jurisdiction of the courts of Korea if there is a serious dispute between us.

Validity – If any of these terms and conditions are determined to be invalid or unenforceable, then the invalid or unenforceable provision will be deemed replaced by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the terms and conditions will continue in effect

Authorized use – Use of Zippy Learner is not authorized in any jurisdiction that does not give effect to all provisions of these terms of use, including without limitation this paragraph. If you are a resident in a jurisdiction where the use of Zippy Learner is unauthorized, it is your responsibility to stop using it.

Zippy Learner Membership Terms

[last updated June 2024]

Welcome to Zippy Learner Coaches Corner. As a member, you will have access to training materials, modules, video’s, blogs, programs and forums designed to assist you in developing and building your language skills.

These membership terms, together with the rest of our terms and conditions, form the basis of your membership agreement with Zippy Learner.

We do not require your signature for these terms and conditions to be legally binding. When you purchase or access our program, even as part of a free trial, you agree to be bound by these terms and conditions effective immediately, and you are entering into a legal agreement.

Read the terms and conditions carefully before you check the “I Agree” option to gain access to the Coaches Corner members only area (‘members portal’).

1. Membership

1.1 You confirm that you are 18 years of age or over and have read understood and agree to the terms of this document, including the release, disclaimer, and indemnity.

1.2 By joining Zippy Learner and remaining a current financial Zippy Learner Member you get access, through the members portal, to training materials, modules, videos, blogs, programs, and/or forums designed to assist you in developing your chosen language skills.

1.3 Individual program components are not redeemable, transferable, or interchangeable if you are unable to use them during your membership.

1.4 We reserve the right to change or substitute components available through the members portal at any stage with alternatives that we feel will be of equal or greater value to you.

1.5 Your access to the members portal will come to an end if cancel your membership, or your payments are not made on the due dates.

1.6 Your membership is not transferable. It cannot be sold or given to another person.

1.7 You will be provided with a username and password. This is not to be shared with others.

2. Your commitment

2.1 You agree to keep your members portal username and password secure and not to share access to the members portal or content with anyone who is not a member of Zippy Learner. Zippy Learner is not responsible for the storage of your password, this is your sole responsibility.

2.2 You commit to take ownership of your language learning and development and agree that your individual success will be determined by your own participation, dedication, effort and motivation. You release Zippy Learner from any liability or accountability in any way, including for any failure of the members portal meeting your expectations.

3. Using the Zippy Learner members portal

3.1 As a condition of you becoming an Zippy Learner Member and accessing the members portal, you warrant that you will not use the members portal, our website, or any Zippy Learner materials for any purpose that is unlawful or prohibited by law, or these terms and conditions.

3.2 You may not use our website in any manner which could damage, disable, overburden, or impair this website or interfere with any other party’s use and enjoyment of our website. You agree not to hack into areas of the website that are not intentionally made available by us as part of the members portal.

3.3 We expect you to show common courtesy and respect when participating in forums or making business or social connections through members portal. You must be respectful to all members. If commenting on our social media, the same expectations apply (for more information, please see our rules of engagement for social media use).

3.4 As a member, you will have access to participate as part of Zippy Learner community. You may have access to messages, friends, groups, forums and/or closed or public social media pages (Zippy Learner communities). You agree to use Zippy Learner communities only to post, send and receive messages and material that is proper and related to the services Zippy Learner provides and only in accordance with our rules of engagement for social media use.

4. Intellectual property and Copyright

4.1 ‘Intellectual property’ means patents, registered or unregistered trademarks, trade names, logos, designs, symbols, emblems, slogans, copyrights, know-how, information, computer software and programs, drawings, plans and other identifying materials, whether in electronic form or otherwise and whether registered or capable of registration, and all other proprietary rights owned by or available to us, adopted or designated now or at any time in the future by Zippy Learner for use in connection with the member’s portal or other Zippy Learner services.

4.2 You acknowledge that a great deal of time and effort has gone into creating Zippy Learner intellectual property. You agree to use our intellectual property for the sole purpose of supporting your learning, and for no other purpose, including for commercial purposes or giving away to others.

4.3 You agree not to infringe Zippy Learner’s intellectual property rights, or the intellectual property rights of any Zippy Learner member or third party.

4.4 Material uploaded to any part of our website may be subject to stated limitations on usage, reproduction and/or dissemination. You are responsible for complying with those limitations if you download the materials.

5. Your material posted in Zippy Learner Communities

5.1 We do not claim ownership of the materials you (including feedback and suggestions) post on any or part of our website, including Zippy Learner members portal. However, by posting any information or material you are granting us, our affiliated companies and necessary sub-licensees permission to use your information or material including, without limitation, the rights to: copy, distribute, transmit, communicate, publicly display, publicly perform, reproduce, edit, translate and reformat your information or material; and to publish your name with your information or material. No compensation will be paid to you with respect to that use of your material or information.

5.2 We are under no obligation to post or use any material or information you may provide, and may remove any of your material or information from our website at any time at our sole discretion. By posting your material or information, you warrant and represent that you own or otherwise control all the rights necessary for you to post that material or information.

6. Confidentiality

6.1 Our learning materials and methods and business methods are confidential to our business, and you agree to keep them confidential.

6.2 You agree that any confidential information shared by Members or Zippy Learner is confidential and belongs solely and exclusively to the person or entity that discloses it.

6.3 You agree not to disclose confidential information to any other person or use it in any manner other than in discussion with Zippy Learner or other program participants in the forum.

6.4 You acknowledge that any confidential information shared by you is done so at your own risk, and you waive any right to seek recourse from Zippy Learner for any loss or damage suffered because of sharing that information. You acknowledge that we have no obligation to enforce the confidentiality of any material provided.

7. Privacy

7.1 We respect your privacy and will not share your personal information without your consent, or otherwise in accordance with the terms of our Privacy Policy. Our Privacy Policy can be found on our website.

7.2 We insist that you respect the privacy of fellow Zippy Learner members and you agree not to violate the privacy of any other Zippy Learner Member.

7.3 We reserve the right always to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, at our sole discretion.

8. Posting Your Personal Information

8.1 Always use caution when giving out any personally identifying information about yourself anywhere on the internet. We do not control or endorse the content, messages or information found in any part of Zippy Learner members portal or our website, where users are able to contribute their own posts and material. We disclaim any liability about those parts of our website and any actions resulting from your participation in using those parts of our website.

9. Monitoring Communication Services

9.1 We are not obliged to monitor the posts and materials published by members or the public in Zippy Learner communities. However, we reserve the right to review materials that are posted and to remove any materials at our sole discretion.

10. Money Back Guarantee

10.1 Zippy Learner provides a thirty (30) day money back guarantee on your subscription to Zippy Learner. That time period runs from the date you activate your account and will not be extended.

10.2 At your option, during the thirty (30) day money back guarantee period, you may cancel your Zippy Learner subscription simply by sending us an email contact@ZippyLearner.com. We ask that you put your request in writing so that we can properly action your request.

10.3 Your payment will be refunded via the same payment platform you used to make your initial payment. Please allow seven (7) days for processing your refund.

10.4 If you exercise your rights under this clause, the provisions of clauses 12 will apply regarding access to content and materials after termination.

11. Payment of Membership Fees

11.1 You agree that Zippy Learner uses the third-party payment platforms such as NHN KCP, PayPal, and Stripe, among others, to process membership payments. By using and agreeing to Zippy Learner’s terms and conditions, you also agree to be bound by the terms of service of those payment platforms.

11.2 You agree that you are responsible for all transactions (one-off, recurring, and refunds) processed through the third-party payment platforms.

11.3 You understand and agree not to hold Zippy Learner liable for any loss or damage at all arising from any errors, invalid transactions processed with your third-party payment account or any actions whether intended or not on behalf of the payment platforms. You agree that if you process a transaction, it is your responsibility to verify that the transaction has been correctly and successfully processed, and not the responsibility of Zippy Learner.

11.4 Membership payments are to be made monthly in advance on the due date.

11.5 Partial or installment payments will not be accepted. You will gain (and retain) access to Zippy Learner members portal only when full (cleared) funds have been received.

11.6 You may cancel your monthly subscription at any time by clicking on the cancel button on the billing page within your account and we will be in contact with you. Please allow 5 days notice before the next billing cycle to allow us enough time to action your request.

11.7 You agree that failing to pay Zippy Learner fees when due will result in your access to the members portal being suspended or cancelled, including any stored information, modules, badges, levels, achievements, communication or participation in Zippy Learner Communities.

11.8 If your circumstances change, and you are unable to continue your Zippy Learner and/or are unable to complete any modules, there will be no partial refunds.

11.9 Fees are not refundable simply because you have changed your mind about participating after the thirty (30) day money back period, or failed to access or make good use of Zippy Learner members portal.

11.10 If you access Zippy Learner Member Portal on an infrequent or limited basis (or you fail to log in at all), you will not be compensated by Zippy Learner. You are responsible always to ensure that you make the best use of Zippy Learner members portal and your membership, and you agree that the full value is provided to you by way of access to the members portal upon joining, and is not dependent upon whether you access the members portal, programs, website or modules, in part or at all.

11.11 Zippy Learner will not be liable to you for any loss or damage you may suffer because Zippy Learner have exercised our rights under this clause. Any suspension or cancellation imposed will not extend the term of your membership or be compensated in any manner by Zippy Learner.

12. Suspension/Termination/Access Restriction (including Login and Passwords)

12.1 If we consider you have breached the terms and conditions, Zippy Learner reserves the right, in our sole discretion, to suspend or terminate your access to Zippy Learner members portal, related services or any portion of it at any time, without notice.

12.2 You may lose or have restricted access to Zippy Learner Member Portal due to login and password loss or malfunction. You understand and agree that two (2) failed login attempts may result in loss of access to Zippy Learner Member Portal. You agree that while Zippy Learner may attempt to assist you in re-setting your login and or your password, Zippy Learner cannot guarantee recovery of lost login or password information, or that access can be regained quickly or at all.

12.3 If your membership is suspended, terminated or your access to the site is restricted, blocked or hindered for any reason at all (including that you have forgotten, lost or incorrectly entered your login or password) the following provisions will apply:

1. Any membership fees you have paid to that time will not be refunded.
2. As of the date of termination you no longer have access to Zippy Learner members portal.
3. We are under no obligation to provide you with further access to Zippy Learner members portal, services or program materials.
4. We are under no obligation to provide you any further information regarding Zippy Learner Program.
5. We are under no obligation to reinstate your Zippy Learner account.

12.4 If you end your Membership and then start again later, we make no representation that any past history will be stored. You may be required to progress through and complete all modules again.

12.5 Zippy Learner may, at its sole discretion, grant a period of thirty (30) days grace to reinstate your access to the members portal however, it is expressly acknowledged and accepted by you that any materials you have uploaded to Zippy Learner Member Portal, or records of work completed, progress or achievements (including but not limited to any assignments, awards, certifications or system of achievement recognition) recorded in the member portal will not be guaranteed by Zippy Learner as stored, whether you are within or outside of the thirty (30) days grace.

13. Release, Disclaimer & Indemnity

13.1 You release Zippy Learner from all and any responsibility or liability for any losses claims or demands that may directly or indirectly arise because of you using the information obtained through Zippy Learner or Zippy Learner members portal, subject to the requirements of applicable consumer law (if any).

13.2 To the maximum extent permitted by law, any terms that would otherwise be implied by legislation, common law, equity, trade, custom or usage are excluded, as is any liability for indirect or consequential loss arising in connection with the use of Zippy Learner online services.

13.3 Nothing in these terms and conditions is intended to exclude, restrict or modify any  consumer guarantee, right or remedy conferred by law that cannot be excluded, restricted or modified by agreement.

13.4 Where Zippy Learner’s liability cannot be lawfully excluded, it is limited, at the option of Zippy Learner, to:

1. the resupplying of access to Zippy Learner online services, or
2. the refund of the amounts paid by you for your access Zippy Learner online services for the period the complaint or action relates to.

13.5 The maximum aggregate liability of Zippy Learner for all proven losses, damages and claims arising out of or in connection with these terms and conditions, including liability for breach, in negligence or in tort or for any other common law or statutory action is limited to the sum of US$100.

13.6 This disclaimer and indemnity applies as to the fullest extent permitted by law, and survives any termination or expiration of the terms and conditions or your use of Zippy Learner member portal or the information, education and services found on it or Zippy Learner website.

14. Third Party Services

14.1 Access to the members portal relies upon the continued operation of third party online facilities that we use. We will not be liable for any third party failures affecting the provision of our services.

14.2 All third party services, like Facebook, Pay Pal, Stripe etc., are made available pursuant to their own terms and conditions, which you agree to be bound by as soon as you use the services of or have an account or login with that provider. We recommend you familiarize yourself with applicable terms and conditions. You agree that in all cases where Zippy Learner members portal or Zippy Learner website contains links to third party websites that these websites are not under our control and that we are not responsible for these websites or their content.

14.3 You further agree that Zippy Learner is not responsible for any form of transmission received from any link to a third-party website or service.

14.4 You agree that links may be provided to you only as a convenience, and the inclusion of any link does not imply our endorsement of the website, its services or any association with its operators.

14.5 Any costs or other liability arising from use of your accounts with third parties remains your sole responsibility.

14.6 You agree to indemnify Zippy Learner against any loss or damage arising directly or indirectly from any use of software or other third-party services recommended or provided to you.

15. General

15.1 We may update these terms and conditions from time to time and the amended terms will apply from the date they are posted on our main website. We may also publish our Terms and Conditions, including any amended terms, in the members portal for you to view.

15.2 You acknowledge that your access to the members portal does not give you the right to represent (whether expressly or implied) or hold out to any person that you are a representative, agent, employee, partner or in any way connected with Zippy Learner or other Zippy Learner members.

15.3 Any time or other indulgence granted by either party it will not in any way amount to a waiver of any of rights or remedies that party is entitled to under this agreement.

15.4 These terms and conditions are governed by the laws of Korea and you agree to be subject to the jurisdiction of the courts of this country if there is a dispute between the parties.

15.5 We may provide you with any notice required pursuant to this agreement or your Zippy Learner account via email or through your account in the members portal. All notices must be in writing. You may provide us notice via email contact@ZippyLearner.com.

15.6 If for some reason a clause of this agreement is unenforceable, the rest of this agreement will continue unaffected and that term will be severed.

Our Rules of Engagement for Social Media

If you view, post, comment on, or otherwise use any blogs or websites controlled by us (including discussion areas within the Coaches Corner) or any of our social media channels such as Facebook, Twitter or YouTube (collectively called ‘discussion platforms’), you will be taken to have entered into a binding legal agreement with us and you agree to comply with these rules of engagement.

By using our discussion platforms, you make the following warranties or agreements:

1. You agree:

• That you use our discussion platforms at your own risk and are responsible for evaluating the accuracy, currency, completeness and relevance of any material. We take no responsibility for content posted on our discussion platforms.
• We in no way endorse or otherwise support any view, opinion or comment posted by a user or contributor on our discussion platforms and provide no warranty (express or implied) about the accuracy, currency or completeness of any material on our discussion platforms.
• You will comply with the terms of use of any platform (such as Facebook) that hosts our discussion platforms.
• You will not post personal information about yourself or others (for example, telephone numbers, email or street addresses).
• You will not harvest or otherwise collect information about others, including e-mail addresses, without their consent.
• You will treat other people using our discussion platforms with respect and courtesy, and you will behave in a civil manner (even if you disagree with material posted by them).
• You will not defame, libel, insult, abuse, harass, stalk, threaten or attack anyone.
• You will not deliberately disrupt conversations, partake in trolling style behavior or post material that is off-topic, repetitive or excessively long.
• You will only use our discussion platforms for lawful purposes and in a manner that does not infringe the rights of, or restrict the use and enjoyment of, any other person.
• You will not transmit any unlawful, discriminatory, defamatory, obscene, offensive or scandalous content or any material that constitutes or encourages conduct that would contravene the law or disrupt the operations of the discussion platforms.
• You will not post any material that is fraudulent, deceptive or misleading, and you will not impersonate or falsely represent any other person or organization. You will also only post contributions as yourself (i.e. a real person with a real profile). Fake or anonymous contributions may be deleted.
• You will not use a username that breaches any of these terms and conditions.
• You will not post any material that advertises, offers or promotes anything of a commercial nature.
• You will not introduce any virus, malicious code or unauthorized cookies or similar technology onto our discussion platforms or otherwise damage our discussion platforms.
• You will not upload any material that has been altered to remove proper legal notices.
• You will not download any material posted by another user that you know, suspect or reasonably should know, cannot be legally posted, used or distributed in the manner they have used it or the manner you intend to use it.
• You warrant that you have the right to post the material you have posted, the material is not confidential, and you have the intellectual property rights in it. You agree you are entirely responsible and liable for any infringement you may make of another person’s intellectual property or other rights when using our discussion platforms.
• It is at our discretion whether we moderate our discussion platforms or not, and whether we enforce these rules of engagement against other users/members or not.
• You agree to indemnify us against any claim by a third party arising out of any breach by you of these rules of engagement and our terms and conditions.

2. If you breach these rules of engagement we may, in our sole discretion:

• Remove or refuse to post any material you have submitted (without any obligation to do so);
• Suspend or permanently block you from using our discussion platforms;
• Terminate your membership to our services;
• Report your conduct to the owner of the relevant platform and/or to any appropriate law enforcement authorities; and/or
• Take any other action, including legal action, which we consider to be appropriate.

3. We do not accept responsibility for any loss, damage, liability, cost or expense however caused or incurred (including through negligence), which you may directly or indirectly suffer in connection with your use of our discussion platforms including information posted by us or others.
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