Privacy Policy

Effective Date: 11.11.2024

Skillosophy is committed to protecting and respecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you visit our website skillosophy.co and purchase our online courses (the "Services"). By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

We collect the following personal information from you when you sign up for our Services:

Name
Email address
Password
Phone number
Name of school or university
Country

Additionally, when you purchase a course through Wix Payments or PayPal, these third-party providers may collect your:

Payment card details
Name and address

We do not collect any sensitive personal data.

2. How We Use Your Information

We may use the information we collect from you for the following purposes:

To provide and improve our Services
To communicate with you about your account and course-related updates
To personalise your learning experience
For marketing purposes, if you have given your consent
To comply with legal and regulatory obligations

3. Payment Information

Payments on our platform are processed by third-party services such as Wix Payments and PayPal. These services comply with PCI-DSS standards, ensuring the secure handling of your payment information. We do not store your payment card details.

For more details, please refer to Wix's Privacy Policy and PayPal’s Privacy Policy.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website. For more information about how we use cookies and how you can manage them, please refer to our Cookie Policy.

5. Data Sharing and Disclosure

We do not currently share your personal information with third parties. However, we may in the future choose to share anonymised data with third parties, but this will not include any personally identifiable information. Any future changes regarding data sharing will be reflected in an update to this policy, and you will be notified accordingly.

6. User Consent and Rights

By using our Services, you consent to the collection and use of your personal information as described in this Privacy Policy.

You have the following rights regarding your data:

Right to Access: You can request to view the personal data we hold about you.
Right to Correction: You can request to update or correct any inaccuracies in your data.
Right to Deletion: You can request to have your personal data deleted by contacting us at contact.skillosophy@gmail.com.

You may also have the option to opt out of certain types of data collection, such as analytics or marketing, though this section is currently under review. [Placeholder for final decision on this feature].

7. Data Retention

We will retain your personal data for a period of two years after you stop using our Services. After this period, your data will be deleted unless we are required by law to retain it for a longer period.

8. Data Storage and Security

Our company is hosted on the Wix.com platform, which provides us with the online infrastructure to deliver our Services. Your data may be stored on Wix.com’s secure servers behind a firewall. Wix complies with industry-standard security practices to protect your personal information.

All payment information processed through Wix.com’s payment gateways adheres to PCI-DSS security standards.

9. Children’s Privacy

We recognise the privacy interests of children and encourage parents and guardians to take an active role in their children's online activities.

Individuals under 18 years of age, but of the required age for consent to use online services where they live (e.g., 13 in the US or 16 in Ireland), may not create an account but may have a parent or guardian assist them in accessing the Services. Individuals under the required age for consent to use online services may not use our Services.

If we learn that we have collected personal data from a child under those ages, we will take steps to delete the information.

Parents who believe we may have collected personal data from a child under those ages can submit a request to contact.skillosophy@gmail.com for removal.

10. Marketing Communications

If you have consented to receive marketing communications, we may use your information to send you newsletters, promotions, and other relevant information. You can opt out of these communications at any time by clicking the "Unsubscribe" link included in the emails.

11. International Compliance

We comply with the following privacy regulations:

General Data Protection Regulation (GDPR) for users in the EU and UK.
California Consumer Privacy Act (CCPA) for users in the USA.
Children’s Online Privacy Protection Act (COPPA) for users in the USA under the age of 13.

12. Updates to This Privacy Policy

We reserve the right to update or change this Privacy Policy at any time. Any changes will be posted on this page, and if the changes are significant, we will notify you by email or via a notice on our website.

13. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

Skillosophy
Email: contact.skillosophy@gmail.com

Terms and Conditions

Effective Date: 11.11.2024

These Terms and Conditions ("Terms") govern your use of the services provided by [Your Company Name] ("we," "us," "our") through our website skillosophy.co (the "Site") and the courses available on our platform (the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Services.

1. User Account Responsibilities

When you create an account with us, you agree to:

Account Security: You are responsible for maintaining the confidentiality of your login credentials and for any activities that occur under your account.
Accurate Information: You must provide accurate and up-to-date information during account creation and keep it current.
Compliance with Policies: You agree to comply with all of our policies, including our Privacy Policy, which is incorporated into these Terms by reference.
Non-Transferability: Your account and access to the courses are for personal, non-commercial use and cannot be transferred or shared with others without our permission.

2. Pricing and Payment

Pricing: All prices are listed on our Site and are subject to change at our discretion. From time to time, we may offer discount prices or adjust the pricing model.
Payment Methods: Payments are processed through Wix Payments and PayPal. By making a purchase, you agree to pay all applicable fees.
Refunds: We comply with applicable consumer protection laws, including the Consumer Rights Act 2015 (UK), EU regulations, and relevant US laws. You may be entitled to a refund within 14 days of purchasing the course, provided you have not yet accessed or consumed significant portions of the course materials. After accessing the course content, you may no longer be eligible for a full refund. Refunds may also be provided in special circumstances, such as:
- Accidental Purchases: If you mistakenly purchase the wrong course, please contact us immediately.
- Technical Issues: If you experience major technical difficulties that prevent you from accessing or using the course materials.
- Errors on Our Part: If we make a significant error in the delivery of the course.

To request a refund, please contact us at contact.skillosophy@gmail.com within the applicable refund period, explaining the reason for your request. Refunds will be processed within 1 month to the original payment method.

3. Access to Courses

Access Duration: Upon purchasing a course, you will have access for a period of three years, provided that the course remains available on our platform. We reserve the right to modify this access period.
Platform Access Only: You may access the course materials through our platform only. Downloading, copying, or reproducing course materials is strictly prohibited.

4. Course Usage and Prohibited Conduct

The Services are provided for educational purposes only, and you agree to:

Intended Purpose: Use the courses for the intended purpose of learning and self-improvement.
Academic Integrity: Avoid engaging in academic dishonesty or using the courses to engage in any form of academic misconduct.
Prohibited Activities: You must not engage in hacking, spamming, or any other activity that disrupts or interferes with the proper functioning of our Site or Services.
Penalties for Violations: We reserve the right to impose the following penalties for breaches of these Terms:
- Account suspension or termination
- Loss of access to the purchased courses
- Legal action where applicable
- Fines or fees

5. Intellectual Property Rights

All course materials, including but not limited to videos, documents, and graphics, are owned by Skillosophy. By using the Services, you agree that:

You may not reproduce, distribute, or resell any of the course content without our explicit written permission.
We retain all intellectual property rights related to the course content.

6. Account Termination

We reserve the right to terminate or suspend your account at our discretion, particularly in cases of:

Breaches of these Terms
Non-payment of fees
Misuse of our Services or platform

If your account is terminated, you will lose access to any courses you have purchased, and no refund will be issued unless required by law.

7. Dispute Resolution and Governing Law

All disputes arising from or related to these Terms shall be governed by the laws of Finland, without regard to its conflict of law principles. Any disputes will be resolved through the jurisdiction of the Finnish courts.

8. Limitation of Liability

We do not guarantee uninterrupted or error-free access to the Site or Services, and we are not responsible for any data loss or service interruptions. You agree that:

We are not liable for any inaccuracies, errors, or omissions in the course materials.
We are not liable for any direct, indirect, incidental, or consequential damages that may arise from your use of the Services.

9. Privacy Policy

Our Privacy Policy, which explains how we collect, use, and protect your data, is incorporated into these Terms by reference. By agreeing to these Terms, you also agree to the terms of our Privacy Policy.

10. Modifications and Improvements

We reserve the right to modify or improve our courses at any time. These changes are intended to enhance the learning experience, and we will notify you of significant updates.

11. Age Requirements

You must be at least 18 years old to create an account and use our Services. If you are younger than 18 but meet the required age for consent to use online services in your country (e.g., 13 in the US or 16 in Ireland), you may not create an account, but we encourage you to have a parent or guardian open an account and help you access the content. If you are below the age of consent, you may not use our Services.

12. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Any changes will be posted on this page, and we will notify you of significant changes via email or a notice on our Site.

13. Contact Us

If you have any questions about these Terms and Conditions, please contact us at:

Skillosophy
Email: contact.skillosophy@gmail.com

Cookie Policy

Last Updated: 11.11.2024

At Skillosophy, we use cookies and similar technologies to enhance your experience on our website skillosophy.co (the "Site"). This Cookie Policy explains how we use cookies and how you can manage them.

1. What Are Cookies?

Cookies are small text files that are placed on your device (computer, smartphone, tablet) when you visit our Site. They are used to improve your experience, remember preferences, and collect information to help us enhance the website's functionality.

2. Types of Cookies We Use

We use the following types of cookies on our Site:

Essential Cookies
These cookies enable core functionality such as security, identity verification, and network management. Essential cookies are required for the proper functioning of our website and cannot be disabled. Without these cookies, certain features of the Site, such as secure log-in and account management, may not be available.
Marketing Cookies
Marketing cookies are used to track the effectiveness of advertising campaigns and to display ads that are more relevant to your interests. These cookies help us deliver better ads and personalise your experience.
Functional Cookies
Functional cookies collect data to remember the choices you make (such as language preferences or login details) and provide a more personalised experience on the Site.
Analytics Cookies
Analytics cookies help us understand how visitors use our website, discover errors, and identify areas for improvement. They provide us with insights into user interactions and behaviour on the Site.

3. Third-Party Cookies

We use third-party services such as Google Analytics to gather analytics data and improve our Site’s performance. These third-party services may set their own cookies. We may also add other third-party tools in the future, and this policy will be updated accordingly.

For more information on how Google Analytics uses cookies, please refer to Google's Privacy Policy.

4. Managing Cookies

You can control the use of cookies through your browser settings. Most browsers allow you to manage your cookie preferences, including blocking or deleting cookies. Please note, however, that disabling essential cookies may affect the functionality of our Site.

Browser Settings: You can typically manage cookies by adjusting your browser settings to refuse or delete cookies. Each browser provides different methods for doing this, so please consult your browser’s help section for more details.

5. Cookie Consent

By using our Site, you consent to the use of essential cookies, which are required for the website to function properly. You cannot opt out of essential cookies, as they are necessary for security and core functionality.

For all other cookies, such as marketing, functional, and analytics cookies, you will be prompted with a cookie consent banner when you first visit the Site. You can opt in to allow non-essential cookies to enhance your experience.

6, Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in our practices or applicable regulations. Please check back periodically to stay informed of any updates.

7. Contact Us

If you have any questions about our Cookie Policy, please contact us at:

Skillosophy
Email: contact.skillosophy@gmail.com

​Privacy Policy

1. Information We Collect

2. How We Use Your Information

3. Payment Information​

4. Cookies and Tracking Technologies

5. Data Sharing and Disclosure

6. User Consent and Rights

7. Data Retention

8. Data Storage and Security

9. Children’s Privacy

10. Marketing Communications

11. International Compliance​

12. Updates to This Privacy Policy

13. Contact Us

Privacy Policy

3. Payment Information

11. International Compliance