Terms and Conditions of Use (Public Offer)

TERMS AND CONDITIONS OF USE
(PUBLIC OFFER)

31/05/2026

1. GENERAL PROVISIONS

1.1.This document constitutes a public offer of MARXO MARKETING - FZCO, a company incorporated and existing under the laws of the United Arab Emirates, with its registered address at Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates (the “Company”).

These Terms and Conditions set forth the terms governing access to and use of the Services and Digital Materials provided by the Company.

1.2.By paying for a Program, Service, or Digital Materials, the User fully and unconditionally accepts these Terms.

Upon acceptance, a legally binding agreement is concluded between the Company and the User on the terms set forth herein.

1.3.The Company may offer different Programs, Pricing Plans, Digital Materials, and additional features. The scope, duration, content, functionality, and pricing of each Program shall be specified on the Website.

1.4.These Terms apply to individuals, sole proprietors, self-employed persons, entrepreneurs, and legal entities purchasing the Program. Individual Users must be at least eighteen (18) years of age at the time of acceptance of these Terms.

1.5.The Company reserves the right to refuse access to any Program or Service where required by law, regulatory requirements, payment provider requirements, fraud prevention measures, or other legitimate business reasons.

2.DEFINITIONS

“Account” means a personal account created by the User on the Platform for the purpose of accessing and using the Services, Programs, and Digital Materials.

“Business Day” means any day on which banks in Dubai, United Arab Emirates, are generally open for business.

“Digital Materials” means any videos, recordings, templates, documents, guides, checklists, presentations, files, worksheets, frameworks, prompts, downloadable materials, or other digital content made available by the Company.

“Participant Chat” means a private communication channel, chat, forum, group, messenger chat, or similar environment made available by the Company for communication among participants.

“Platform” means the Website, Account area, software environment, digital infrastructure, communication systems, and any other technologies designated by the Company for delivery of the Services and Digital Materials.

“Pricing Plan” means a specific package of Services, Digital Materials, features, support, or access rights offered by the Company.

“Program” means an informational and consulting program offered by the Company through the Platform, which may include Digital Materials, feedback, participant communication tools, live sessions, assignments, and other components described on the Website.

“Reservation Fee” means a payment made by the User to reserve a place in a Program and fix the applicable Program price.

“Service Period” means the period during which informational and consulting services are actively provided by the Company, as specified on the Website.

“Services” means informational and consulting services provided by the Company, including feedback, assignment review, guidance, live sessions, and other support features where included in the selected Pricing Plan.

“User” means an individual who accesses, purchases, or uses the Services, Programs, Platform, or Digital Materials.

“Website” means the Company's website and any associated landing pages, domains, subdomains, or online resources through which the Company offers its Programs and Services.

3.SUBJECT OF THE AGREEMENT

3.1.The Company undertakes to provide the User with access to Digital Materials and, where included in the selected Pricing Plan, informational and consulting services relating to the Program.

The User undertakes to pay the applicable fees and comply with these Terms.

3.2.Programs may be offered in different Pricing Plans. Certain Pricing Plans may provide access only to Digital Materials. Other Pricing Plans may additionally include feedback, assignment review, participant chats, live sessions, or other support services.

3.3.The exact scope of Services, Digital Materials, access period, Program duration, availability of feedback, live sessions, participant communication channels, and other Program features shall be determined by the information published on the Website at the time of purchase.

3.4.Unless expressly stated otherwise on the Website, Programs are intended for informational and consulting purposes only and do not constitute educational services, professional certification, vocational training, legal advice, financial advice, tax advice, investment advice, or any regulated professional service.

4.ACCESS TO THE SERVICES

4.1.Access to the Program, Services, and Digital Materials shall be provided after the User's payment has been successfully received by the Company, but in any event not earlier than the Program start date specified on the Website.

4.2.The Company may provide access through the Platform, personal account, communication systems, websites, applications, messaging services, or any other technical means designated by the Company.

4.3.The Company may replace, modify, update, or discontinue any technical solution used to provide access to the Program, provided that such changes do not materially reduce the functionality of the purchased Program.

4.4.The User is solely responsible for maintaining the confidentiality of login credentials and for all activities conducted through the User's Account.

4.5.The User shall ensure that the User possesses the necessary hardware, software, Internet access, and technical capabilities required to access and use the Program.

4.6.Temporary interruptions caused by maintenance, upgrades, force majeure events, third-party service providers, Internet outages, cyberattacks, or technical failures shall not constitute a breach of these Terms.

5.RIGHTS AND OBLIGATIONS OF THE PARTIES

5.1.The Company shall:

a) provide access to the Program within the timeframe specified on the Website;

b) provide access to Digital Materials included in the selected Pricing Plan;

c) provide informational and consulting support where included in the selected Pricing Plan;

d) provide feedback within forty-eight (48) Business Hours from receipt of the relevant question, assignment, or request from the User.

If a request is submitted on a non-Business Day, it shall be deemed received on the next Business Day;

e) make reasonable efforts to maintain availability of the Platform.

5.2. The User shall:

a) comply with these Terms;

b) provide accurate information when purchasing the Program;

c) use the Program solely for lawful purposes;

d) independently review information published on the Website, Platform, Account area, and communication channels used by the Company;

e) promptly notify the Company of any unauthorized access to the User's Account.

5.3. The Company may:

a) engage contractors, employees, consultants, moderators, experts, and third parties in connection with the provision of the Program;

b) modify the schedule, sequence, format, structure, and content of the Program where reasonably necessary;

c) suspend or terminate access in accordance with these Terms;

d) refuse participation to Users who violate these Terms.

6.PARTICIPANT CHAT

6.1. Where included in a Pricing Plan, the Company may provide access to a Participant Chat. The Participant Chat is intended solely as an additional communication tool.

6.2.The Company does not guarantee:

a) any particular level of participant activity;

b) networking opportunities;

c) business opportunities;

d) partnerships;

e) employment opportunities;

f) commercial results arising from participation in the Participant Chat.

6.3.The Company may moderate, restrict, suspend, or remove access to the Participant Chat at its sole discretion where necessary to maintain a safe and professional environment.

7.PAYMENT TERMS

7.1.The Program Fee, Pricing Plans, available payment methods, Program duration, and other commercial terms shall be specified on the Website.

7.2.Unless otherwise specified on the Website or agreed individually between the Company and the User, payment shall be made in advance in the amount and manner specified by the Company.

7.3.The Company may offer discounts, promotional pricing, special offers, bonuses, or other incentives at its sole discretion.

Such incentives apply only under the conditions specified by the Company.

The Company may, at its sole discretion, offer installment payments, deferred payments, payment schedules, or other individual payment arrangements.

7.4.If the User fails to make any payment when due, the Company may suspend access to the Program until all outstanding amounts have been paid.

7.5.The User shall bear any fees, charges, currency conversion costs, taxes, or expenses imposed by banks, payment processors, card issuers, or other financial institutions.

8.RESERVATION FEE

8.1.Where offered by the Company, a Reservation Fee may be paid by the User to reserve a place in a Program and fix the applicable Program Fee.

8.2.The Reservation Fee forms part of the total Program Fee and shall be credited toward the purchase price upon completion of payment.

8.3.Prior to the Program start date, the User may submit a written request either:

a) to receive a refund of the Reservation Fee; or

b) to apply the Reservation Fee toward another Program offered by the Company.

8.4.The Company shall review such requests in good faith and may request information reasonably necessary to process the request.

9.PROVISION AND ACCEPTANCE OF SERVICES

9.1.The Company shall provide the Services and Digital Materials in accordance with the selected Pricing Plan and the information published on the Website at the time of purchase.

9.2.The User acknowledges and agrees that the Services are rendered remotely through the Platform and other communication channels designated by the Company.

9.3.The Company shall be deemed to have fulfilled its obligations upon providing the User with access to the relevant Digital Materials, Services, and Program features included in the selected Pricing Plan.

9.4.The availability of feedback, assignment review, participant communication channels, live sessions, consultations, and other support features shall be considered part of the Services provided regardless of whether the User actively utilizes such features.

9.5.The User is under no obligation to complete assignments, attend live sessions, submit questions, participate in discussions, or otherwise actively engage with the Program.

Failure to do so shall not affect the status of Services already provided.

9.6.Unless the User submits a written complaint regarding a material failure to provide access to the purchased Program, the Services shall be deemed accepted by the User as provided.

9.7.Minor technical interruptions, temporary unavailability, maintenance activities, or delays caused by third-party providers shall not constitute grounds for rejection of Services.

10.REFUND POLICY

10.1.The User may request a refund by submitting a written request to the Company using the contact details specified by the Company.

10.2.Approved refunds shall be processed within fifteen (15) calendar days from the date the refund request is approved by the Company.

10.3.If a refund request is submitted before the Program start date, the User shall be entitled to a refund of all amounts paid, less any actual and documented costs incurred by the Company in connection with processing the payment or reservation.

10.4.For Programs consisting solely of Digital Materials, the refundable amount shall be determined proportionally based on the volume of Digital Materials made available to the User at the time the refund request is received by the Company.

10.5.For Programs that include informational and consulting services, ninty percent (90%) of the Program Fee shall be allocated to the Service Period and ten percent (10%) of the Program Fee shall be allocated to the licensed access to Digital Materials following the Service Period.

10.6.For the purpose of calculating refunds under clause 10.5, the portion of Services already provided shall be determined proportionally based on the volume of Digital Materials made available to the User compared to the total volume of Digital Materials included in the Program.

10.7.Where access to the post-Service licensed Digital Materials has already been provided, the portion of the Program Fee allocated to such access shall be considered provided and non-refundable, except where otherwise required by applicable law.

10.8.The amount of the refund shall be calculated according to the following formula:

A = B − C − X

Where:

A = refund amount;

B = total Program Fee paid by the User;

C = value of Services and Digital Materials already provided at the time the refund request is received;

X = actual and documented expenses incurred by the Company in connection with payment processing, currency conversion, banking charges, chargeback handling, or other transaction-related costs.

10.9.No refund shall be available solely because the User failed to complete assignments, attend sessions, request feedback, participate in discussions, access available materials, or otherwise utilize the Program.

10.10.Nothing in this section shall limit any non-waivable rights that may be granted to consumers under applicable law.

10.11.Where payment is made in installments, any refund shall be calculated based on the amounts actually paid by the User as of the date of the refund request.

11.INTELLECTUAL PROPERTY

11.1.All Programs, Services, Digital Materials, content, methodologies, frameworks, templates, presentations, recordings, documents, text, graphics, designs, branding elements, and other materials made available by the Company are protected by intellectual property laws and remain the exclusive property of the Company or its licensors.

11.2.Subject to these Terms, the Company grants the User a limited, personal, non-exclusive, non-transferable, and revocable license to access and use the Digital Materials for the User's own personal, professional, and commercial activities.

11.3.The User may use the concepts, ideas, strategies, templates, frameworks, methodologies, and knowledge obtained through the Program in the User's personal, professional, and commercial activities.

However, the User may not reproduce, distribute, publish, license, sublicense, sell, transfer, or otherwise commercialize the Digital Materials themselves.

11.4.Unless expressly authorized by the Company in writing, the User shall not:

a) copy or reproduce Digital Materials;

b) create derivative products based on Digital Materials;

c) provide access to third parties;

d) upload materials to public platforms;

e) record, redistribute, or publish Program sessions.

11.5.Unauthorized use of the Company's intellectual property may result in immediate termination of access and pursuit of all remedies available under applicable law.

12.USER CONDUCT

12.1.The User shall act respectfully toward the Company, its representatives, contractors, moderators, and other participants.

12.2.The User shall not:

a) engage in abusive, threatening, discriminatory, defamatory, or harassing behavior;

b) use obscene, offensive, or inappropriate language;

c) disrupt the operation of the Platform or communication channels;

d) engage in spam or unsolicited advertising;

e) promote competing products or services within Program communication channels;

f) impersonate another person or provide false information.

12.3.The User shall not share access credentials, permit unauthorized access to the Program, or attempt to circumvent any technical protection measures implemented by the Company.

12.4.The Company may suspend or terminate access without refund where the User materially violates these Terms.

13.DISCLAIMERS

13.1.The Program is provided for informational and consulting purposes only.

The Company does not guarantee any specific business, commercial, financial, marketing, professional, employment, or personal results.

13.2.Individual results depend on numerous factors beyond the Company's control, including the User's experience, skills, effort, resources, market conditions, and implementation decisions.

13.3.Testimonials, reviews, case studies, examples, success stories, and other statements regarding outcomes are illustrative only and do not constitute guarantees or promises of future results.

13.4.The Company does not provide legal, tax, accounting, investment, financial, medical, psychological, or other regulated professional advice.

13.5.Certain Programs may reference or recommend third-party software, platforms, artificial intelligence tools, applications, or services.

The Company is not responsible for the functionality, pricing, availability, security, or policies of such third-party providers.

Any fees, subscriptions, licenses, or charges imposed by third-party providers shall be the sole responsibility of the User.

14.LIMITATION OF LIABILITY

14.1.The Services, Programs, Platform, and Digital Materials are provided on an "as is" and "as available" basis.

14.2.To the maximum extent permitted by applicable law, the Company shall not be liable for:

a) loss of profits;

b) loss of revenue;

c) loss of business opportunities;

d) loss of anticipated savings;

e) reputational harm;

f) indirect, incidental, special, consequential, or punitive damages.

14.3.The Company's total aggregate liability arising out of or relating to the Program shall not exceed the amount actually paid by the User for the relevant Program.

14.4.The User acknowledges that participation in the Program and implementation of any recommendations is undertaken voluntarily and at the User's own risk.

15.MISCELLANEOUS

15.1.The Company may amend these Terms at any time by publishing an updated version on the Website.

The version effective on the date of purchase shall apply to the relevant Program unless otherwise required by applicable law.

15.2.These Terms shall be governed by the laws of the United Arab Emirates.

Before initiating legal proceedings, the Parties shall attempt to resolve the dispute through a written claim procedure.

The response period to a written claim shall be fifteen (15) Business Days.

Any dispute that cannot be resolved amicably shall be submitted to the competent courts of Dubai, United Arab Emirates.

15.3.By using the Program, the User acknowledges that personal data shall be processed in accordance with the Company's Privacy Policy: ___________.

MARXO MARKETING - FZCO

License Number: 86335

Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

oojshi.ale@gmail.com

+971 54 173 3828

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