Welcome to PHD Capital Academy. By accessing or using our online platform, you agree to be bound by these Terms and Conditions. Please read them carefully before enrolling in any of our courses or programs.

• Eligibility Our online courses and programs are intended for individuals interested in finance education. By accessing our platform, you represent that you are at least 18 years old or have the legal capacity to enter into these Terms and Conditions.
• Account Registration To enroll in our courses, you must create a personal account on our platform. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
• Course Access and Usage Upon successful enrollment and payment, you will be granted access to the course materials for the specified duration. You are responsible for ensuring that you have the necessary equipment and internet connection to access and participate in the courses.
• Intellectual Property All course materials, including but not limited to videos, text, graphics, and software, are the intellectual property of PhD Capital Academy or its licensors. You are granted a limited, non-exclusive, non-transferable license to access and use the course materials for personal, non-commercial purposes only.
• Prohibited Conduct You agree not to use our platform or course materials for any unlawful purposes or in a manner that violates these Terms and Conditions. This includes, but is not limited to, engaging in any form of unauthorized distribution, modification, or reproduction of the course materials.
• Privacy We respect your privacy and handle your personal information in accordance with our Privacy Policy, which is incorporated into these Terms and Conditions by reference.
• Disclaimer of Warranties Our courses and materials are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied. We do not guarantee the accuracy, completeness, or timeliness of the information provided in our courses.
• Limitation of Liability In no event shall PhD Capital Academy be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of our platform or courses.
• Modification and Termination We reserve the right to modify or terminate these Terms and Conditions at any time, without prior notice. Your continued use of our platform after any modifications constitutes your acceptance of the updated Terms and Conditions.

By accessing or using our platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please refrain from using our services.