Terms of Service
Last Updated: 15 February, 2024
1. Agreement to Service Terms
By accessing or using the services provided by Pathwizz, you agree to be bound by these Terms and Conditions. If you do not agree to these Terms, you must refrain from using our services.
You affirm that you are at least 18 years old and have the legal capacity to enter into a legally binding agreement. If you are using the services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms and Conditions.
Pathwizz reserves the right to modify, update, or amend these Terms at any time. Any changes to the Terms will be posted on this page, and your continued use of the services following such changes will constitute your acceptance of those modifications.
2. Privacy and Data Protection
At Pathwizz, we are committed to protecting your privacy and ensuring that your personal information is handled responsibly. By using our services, you consent to the collection, use, and disclosure of your personal data as described in our Privacy Policy. Please take the time to review the Privacy Policy carefully.
We collect and process personal data in accordance with the UK General Data Protection Regulation (GDPR) and other applicable privacy laws. This includes personal information you provide during registration, as well as usage data related to your interactions with our website and services.
You have certain rights regarding your personal data, including access, correction, deletion, and objection to processing, as detailed in our Privacy Policy.
Information We Collect
We collect personal and usage data to provide and enhance our services. The types of information we may collect include:
Personal Data: Name, email address, phone number, and any other information you provide during registration or when interacting with our services.
Usage Data: Information about your use of our website and services (e.g., IP addresses, browser types, pages visited, and interactions with our site).
Cookies: We use cookies to collect data that helps improve your experience on our website, remember your preferences, and provide insights into usage patterns.
How We Use Your Information
We use the information we collect for the following purposes:
To provide and improve our educational services.
To communicate with you about new courses, updates, and marketing materials (with your consent).
To process payments for paid services.
To comply with legal and regulatory obligations.
We do not provide personal financial advice. All information shared is strictly for educational purposes and should not be construed as financial or investment advice.
Sharing Your Information
We may share your personal data with trusted third-party providers who assist us in fulfilling services such as payment processing, customer support, and email marketing. These third parties are obligated to handle your data securely and only for the purposes for which it was shared.
However, please note that Pathwizz is not responsible for the actions, practices, or data handling of third-party service providers. Once your personal data is shared with third parties, their use and handling of your information are governed by their own privacy policies. We encourage you to review the privacy policies of any third parties involved in the services we provide.
We do not sell, rent, or otherwise disclose your personal data to third parties for marketing purposes outside of the services we provide. We may disclose your data if required by law, such as to comply with a subpoena or legal process.
Liability Disclaimer
While we take reasonable measures to protect your data, we cannot guarantee its absolute security, especially in the case of third-party services. We are not liable for any unauthorized access to or loss of personal data arising from circumstances beyond our control, such as third-party breaches or technical failures.
Data Retention
We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, including meeting legal or regulatory obligations. Once your data is no longer required, it will be securely deleted or anonymized.
Your Rights and Control Over Your Data
In accordance with the UK General Data Protection Regulation (GDPR), you have the following rights with respect to your personal data:
Access: You can request to access the personal data we hold about you.
Correction: You can ask us to correct any inaccurate or incomplete information.
Deletion: You can request the deletion of your personal data, subject to certain conditions.
Objection: You can object to the processing of your personal data for marketing purposes.
Portability: You can request to receive your personal data in a machine-readable format or have it transferred to another service provider.
3. License and Restrictions
Subject to your compliance with these Terms and Conditions, Pathwizz grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the educational services, materials, and content ("Service") provided through Pathwizz for personal, non-commercial purposes only.
You agree not to:
Reproduce, distribute, or resell any part of the Service, including educational materials, videos, or classes, for commercial purposes without explicit permission from Pathwizz.
Modify, adapt, translate, or create derivative works based on the content provided through the Service, unless expressly permitted by Pathwizz.
Share or sublicense access to the Service, or grant access to any third party using your account or login credentials.
Use the Service for any illegal, unauthorized, or harmful purposes, including but not limited to using the educational materials for financial advice or any other form of professional financial consultation.
Access or use the Service in a manner that could damage, disable, overburden, or impair the Service or interfere with any other user’s ability to use the Service.
Pathwizz reserves the right to suspend or revoke your access to the Service if you violate any of these restrictions.
4. User Content and Responsibility
The Service may allow you to submit or post content, including but not limited to text, images, videos, feedback, or other materials ("User Content"). You retain ownership of your User Content. However, by submitting or posting it on the Service, you grant Pathwizz a worldwide, royalty-free, sublicensable, transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your User Content in connection with the Service, including promoting and improving our educational offerings.
You agree that:
You will not submit or post any User Content that is unlawful, defamatory, obscene, offensive, discriminatory, infringing upon intellectual property rights, or otherwise objectionable.
Your User Content will not include any personal financial advice, recommendations, or guidance that could be construed as professional financial advice.
Pathwizz reserves the right to review, remove, or disable access to any User Content that violates these Terms or is deemed inappropriate, harmful, or disruptive to the Service or its users, at its sole discretion.
Pathwizz is not responsible for the content posted by users, but we reserve the right to take appropriate action if we believe that User Content violates our Terms or the integrity of the Service.
5. Intellectual Property
The Service and its content, including but not limited to text, graphics, logos, images, videos, course materials, software, and all other intellectual property associated with the Service, are the property of Pathwizz or its licensors and are protected by intellectual property laws, including copyright, trademark, and trade secret laws.
You agree not to:
Use, copy, reproduce, modify, adapt, translate, or create derivative works based on any part of the Service or its content without Pathwizz’s prior written consent
Distribute, sell, lease, sublicense, or otherwise exploit any part of the Service or its content for commercial purposes.
Remove or alter any copyright, trademark, or other proprietary notices contained in the content provided through the Service.
You acknowledge that you do not acquire any ownership rights to the content or intellectual property of Pathwizz by using the Service, and that all rights not expressly granted to you in these Terms are reserved by Pathwizz and its licensors.
6. Liability and Indemnity
You agree to indemnify, defend, and hold harmless Pathwizz, its affiliates, directors, officers, employees, agents, licensors, and partners from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in any way connected with:
Your use, misuse, or inability to use the Services.
Your violation of these Terms and Conditions.
Your violation of any applicable law, regulation, or third-party rights (including intellectual property rights).
Any content you submit, post, or share via the Service, including but not limited to User Content that infringes upon the rights of others or is otherwise unlawful.
Any data breach, privacy violation, or misuse of personal data caused by your actions or negligence.
Any interactions with third-party providers or services that result in claims or damages, including but not limited to issues arising from third-party payment processors or service providers.
Any other act, omission, or breach that causes harm or damage to Pathwizz or its stakeholders.
Any financial losses incurred by you or a third party due to the use of the Service, as Pathwizz does not offer financial advice, and the information provided is strictly for educational purposes only.
Pathwizz reserves the right to assume the exclusive defense and control of any matter subject to indemnification, at your expense. In such cases, you agree to cooperate with Pathwizz in asserting any available defenses, and you further agree to bear all costs, damages, or losses incurred by Pathwizz in defending such claims.
Third-Party Services and Liability: Pathwizz may assist you in opening accounts or accessing services with third-party providers. While we strive to ensure that all third-party services and partners are reputable and reliable, we do not control and are not responsible for the actions, practices, or outcomes of such third-party services.
By using our services to facilitate account activation or connection with third-party providers, you acknowledge and agree to the following:
Pathwizz is not responsible for any financial loss or damages incurred by you or any third party resulting from your engagement with any third-party service or provider, whether or not we assisted with the account opening process.
Pathwizz does not offer financial advice, and any decisions made regarding third-party services or investments are made at your own risk. All information provided by Pathwizz is strictly for educational purposes.
Pathwizz does not warrant or guarantee the performance, security, or suitability of any third-party service, and we disclaim any liability arising from your use of third-party services, including any financial losses that may result.
You agree to hold Pathwizz harmless from any claims, damages, losses, or expenses (including legal fees) arising from your interactions with third-party providers.