Legal
Terms & conditions
Last updated November 2026
Using the site
You may read the public articles freely. You need an account to unlock courses, save reading and hold credits. You are responsible for keeping your login secure and for the accuracy of the information you give us.
Credits
Credits are a prepaid balance used to unlock courses on this site. They have no cash value, cannot be transferred or sold, and do not expire. One credit unlocks one course permanently for the account that spent it.
Payments and orders
A reservation creates an order with a reference number. Credits are added only after payment is confirmed. If a payment cannot be verified the order is cancelled and no credits are added.
Refunds
Because a course is delivered in full the moment it is unlocked, refunds on unlocked courses are not automatic. If a course fails to work or is materially different from its description, contact us and we will make it right.
Acceptable use
Do not copy, resell or redistribute course material, share your account, or attempt to access paid content without unlocking it. Accounts that do may be suspended.
Educational content only
Everything on this site is educational. It is not financial, legal, medical or professional advice for your specific situation, and you remain responsible for decisions you make.
Changes
We may update these terms as the site develops. Material changes will be announced on this page with a new effective date.
Questions about this document? Contact us.