Terms of Service / Conditions
These Terms of Service / Conditions were last updated on 8th of May, 2024.
OVERVIEW
Throughout the site, the terms “we”, “us” and “our” refer to Unicredits.co. Unicredits.co offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.
By visiting our site and/ or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service / Conditions), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service / Conditions apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.
Please read these Terms of Service / Conditions carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service / Conditions. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service / Conditions are considered an offer, acceptance is expressly limited to these Terms of Service / Conditions.
Any new features or tools which are added to the current store shall also be subject to the Terms of Service / Conditions. You can review the most current version of the Terms of Service / Conditions at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service / Conditions by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.
1. ONLINE STORE TERMS
By agreeing to these Terms of Service / Conditions, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.
You may not use our products for any illegal or unauthorised purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).
You must not transmit any worms or viruses or any code of a destructive nature.
A breach or violation of any of the Terms will result in an immediate termination of your Services.
2. GENERAL CONDITIONS
We reserve the right to refuse service to anyone for any reason at any time.
You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks. We do not store any credit card information on our servers or by any means.
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.
The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.
3. ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION
We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.
This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.
4. MODIFICATIONS TO THE SERVICE AND PRICES
Prices for our products are subject to change without notice.
We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.
We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.
5. PRODUCTS OR SERVICES
Certain products or services may be available exclusively online through the website. These products or services may have limited quantities and are subject to a refund only according to our Refund Policy.
We reserve the right, but are not obligated, to limit the sales of our products or Services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at any time without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product or service made on this site is void where prohibited.
We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you that will meet your expectations, or that any errors in the Service will be corrected.
6. REFUNDS
If the product or online course you purchased is not what you were expecting, you can request, within 14 days of your purchase of the course, that Unicredits.co apply a refund to your account. We reserve the right to apply your refund as a refund credit or a refund to your original payment method, at our discretion, depending on capabilities of our payment processing partners, and other factors. No refund is due to you if you request it after the 14-day guarantee time limit has passed. A 10% administrative fee will be deducted from the purchase price.
To request a refund for purchases made on Unicredits.co, send an email to support@Unicredits.co.
If you purchased a coupon/code through a third-party website or service which is outside of Unicredits.co then a different refund policy applies, which is specific to that third-party website or service. In most cases, unredeemed licences can be returned for store credit within 30 days of purchase. Once your licence is redeemed, all sales are final. If you have any further questions, please refer to the third-party store’s terms and conditions.
At our discretion, if we believe you are abusing our refund policy, such as if you’ve consumed a significant portion of the material that you want to refund or if you’ve previously refunded a product, we reserve the right to deny your refund, ban your account, and/or restrict all future use of the Services.
7. ACCURACY OF BILLING AND ACCOUNT INFORMATION
We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgement, appear to be placed by resellers or distributors.
You agree to provide current, complete and accurate purchase and account information for all purchases made at our store. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.
8. OPTIONAL TOOLS
We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.
You acknowledge and agree that we provide access to such tools”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.
Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).
We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service / Conditions.
9. THIRD-PARTY LINKS
Certain content, products and services available via our Service may include materials from third-parties.
Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.
We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.
10. USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS
If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.
We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libellous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service / Conditions.
You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libellous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.
11. PERSONAL INFORMATION
Your submission of personal information through the store is governed by our Privacy Policy.
12. ERRORS, INACCURACIES AND OMISSIONS
Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).
We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.
13. PROHIBITED USES
In addition to other prohibitions as set forth in the Terms of Service / Conditions, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.
14. DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY
We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.
We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.
You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.
You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.
In no case shall Unicredits.co, our directors, officers, employees, affiliates, agents, contractors, consultants, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such jurisdictions, our liability shall be limited to the maximum extent permitted by law.
15. INDEMNIFICATION
You agree to indemnify, defend and hold harmless Unicredits.co and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, consultants, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service / Conditions or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.
16. SEVERABILITY
In the event that any provision of these Terms of Service / Conditions is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service / Conditions, such determination shall not affect the validity and enforceability of any other remaining provisions.
17. TERMINATION
The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.
These Terms of Service / Conditions are effective unless and until terminated by either you or us. You may terminate these Terms of Service / Conditions at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.
If in our sole judgement you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service / Conditions, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).
18. ENTIRE AGREEMENT
The failure of us to exercise or enforce any right or provision of these Terms of Service / Conditions shall not constitute a waiver of such right or provision.
These Terms of Service / Conditions and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service / Conditions / Conditions).
Any ambiguities in the interpretation of these Terms of Service / Conditions shall not be construed against the drafting party.
19. GOVERNING LAW
These Terms of Service / Conditions and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the applicable laws of Republic of India.
20. CHANGES TO Terms of Service / Conditions
You can review the most current version of the Terms of Service / Conditions at any time at this page.
We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service / Conditions by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service / Conditions constitutes acceptance of those changes.
21. FEE RECOVERY TERMS POLICY
21.1 The fee recovery and refund policy has been developed to provide clarity on Unicredits’ position on the recovery of fees, the measures taken to recover fees, and the limited circumstances in which refunds of fees will be considered.
21.2 When you enrol, you agree to Unicredits rules and regulations. In particular, you are agreeing to:
- Follow the Student Code of Conduct
- Give us the information we need to deal with your registration
and fees
- Pay your fees in full (as per arrangement of fee payment plan)
and on time
- Complete all parts of your coursework
- Take responsibility for submitting assessments for your course at
a reasonable date agreed by your tutor.
21.3 Our agreement is with you in person and not with any third party. You must tell us if you have been excluded from Unicredits in the past. If your exclusion was for misconduct and you don’t tell us or mislead us about the circumstances, Unicredits reserves the right to cancel your enrolment and there will be no refund if the payment is processed.
21.4 Any criminal convictions you may have must be disclosed to Unicredits. All information disclosed is treated in a confidential manner and is reviewed on a case-by-case basis. Unicredits reserves the right to amend or withdraw offers of enrolment where particular safeguarding matters apply. Individuals will be provided with a full explanation regarding Unicredits decision making in these circumstances and there will be no refund if payment is processed.
21.5 Where applied, we will show the full course fee. However, we reserve the right, in exceptional circumstances, to change fees without prior notice and to amend errors.
Scope
21.6 The refund policy applies to all fees. Aims of the Policy
21.7 To enable staff and students to understand the limited circumstances where a refund of fees paid, or cancellation of fees due will be considered.
21.8 To ensure that policies in relation to fee recovery and refunds are applied consistently across Unicredits.
21.9 To provide clarity on the calculation of any refunds due. Cancellation – Online Enrolments
21.10 For enrolments that are completed on-line the distance selling regulations apply. Unicredits complies in full with the Consumer Contracts (Information, Cancellation and Additional Charges)
21.11 Regulations 2013, we will provide a full refund of any fees paid if a cancellation is received within fourteen days of the initial enrolment, and before the course has started.
21.12 In circumstances where the course starts within the fourteen-day cancellation period, the refund given will be adjusted to reflect the proportion of the course delivered at the point of cancellation.
21.13 Once the fourteen-day cancellation period has elapsed Unicredits standard refund and fee recovery policies as set out below shall apply.
Refunds
21.14 Withdrawal:
21.15 Students who withdraw from a course in advance of the course start date are entitled to a full refund, less an administration fee of 10% of the full course fee.
21.16 Students who withdraw from a course within the first two weeks of the start date of the course will be entitled to a refund of 50% of the course fees (with the exception of (d) below). Where fees paid in advance are less than 50% of the course fee, the balance will remain payable.
21.17 Students who withdraw from a course after two weeks following the start date of the course, will not be entitled to any refund, and any fees outstanding will remain payable.
21.18 Students who withdraw from a short course (duration of 9 months or less) will not be entitled to any refund.
21.19 All withdrawals should be notified in writing to Student Services at support@unicredits.co
The effective date for calculation of any refund is the date of receipt by Unicredits.
21.20 You will not normally be able to transfer your fees if you change your mind and want to switch to a different course part-way through.
Course cancellation:
21.21 If Unicredits cancels a course, or the course does not start due to a lack of support, every effort will be made to offer an alternative. If no suitable alternative is available, a full refund will be given.
Course rescheduling:
21.22 If Unicredits reschedules a course for a different time or day and this is not convenient for the student, a full refund will be given.
Requests for credits or refunds relating to illness:
21.23 If a student becomes ill during the period of a course they may apply for a refund if the condition is permanent and prevents them from continuing. If the condition is temporary then they may apply for a
credit which will permit them to reenrol at a later date (credits are valid for 2 years). The refund or credit will be calculated on a pro-rata basis from the date of the last class attended. Medical evidence will be required in the form of a doctor’s note or equivalent.
21.24 Under no circumstances can a credit be converted to a refund.
21.25 Unicredits is unable to make refunds for absence due to changes in work commitments, personal or financial circumstances or any other reasons for not being able to attend the course. Any outstanding fees
in these circumstances will remain payable.
21.26 Requests for refunds relating to withdrawal at Unicredits discretion: Where failure by a student to adhere to Unicredits policies (e.g. attendance, behaviour, health and safety, discipline) results in the withdrawal of a student by Unicredits, no refund will be given and any fees outstanding in these circumstances remain payable.
Requests for refunds due to quality issues:
21.27 If a student is dissatisfied with the course and the tutor/Head of School cannot resolve the issues then a complaint should be submitted, in accordance with Unicredits Complaints Procedure (available on Unicredits website. Unicredits must be given an opportunity to address any issues that have arisen; however, a refund will be issued if considered appropriate and at the sole discretion of Unicredits.
22. CONTACT INFORMATION
Questions about the Terms of Service / Conditions should be sent to us at: support@unicredits.co
