COLS Learning Hub LLC Policies
End User License Agreement (EULA)
This End User License Agreement ("Agreement") is a legal agreement between you ("User" or "you") and COLS Learning Hub LLC ("Company," "we," or "us"), governing your use of the Cols Academy App ("Application")
Effective Date: Upon installation and use of the Application.
1. License Grant
The Company grants you a single-use, subscription-based, non-exclusive, non-transferable license to access and use the Application to attend training courses and participate in the community by posting, liking, and attending weekly live broadcasts.
2. Ownership of Intellectual Property
All rights, title, and interest in and to the Application, including any content, trademarks, logos, and intellectual property contained therein, are owned by COLS Learning Hub LLC. This Agreement does not transfer any ownership rights to you.
3. Usage Restrictions
You agree to use the Application solely for lawful purposes and in accordance with this Agreement. Prohibited activities include, but are not limited to:
- Reverse engineering, decompiling, or disassembling the Application.
- Capturing, sharing, or otherwise distributing images, recordings, or screenshots of any courses or content from within the Application.
4. Content Created by Users
Users may create and share content, such as text and images, through the Application. By posting content, you agree that you retain ownership of your content. You are responsible for ensuring that your content complies with applicable laws and does not infringe on any third-party rights.
5. Personal Information Collection
The Application may collect certain personal information from you, such as your email address, to enhance your user experience and improve our services. By using the Application, you consent to this collection in accordance with our Privacy Policy.
6. Liability and Warranty Disclaimer
- Investment Risks: Investing in financial markets involves risks, including the potential loss of principal. Users are advised to consider their financial goals and risk tolerance and to seek professional advice prior to making any investment decisions.
- Cryptocurrency Risks: Content related to cryptocurrencies is for educational purposes only. COLS Learning Hub LLC does not endorse or promote the purchase, sale, or holding of any specific cryptocurrency. Users should be aware of unique risks associated with cryptocurrency investments, such as high volatility, regulatory changes, and cybersecurity threats.
- No Warranty: The Application is provided "as-is" without any warranties, express or implied, including but not limited to any implied warranties of fitness for a particular purpose, accuracy, or reliability.
7. Support and Updates
The Company provides free support and updates to the Application. Regular updates may include new features, security patches, and bug fixes, which may be automatically installed on your device.
8. Termination of License
Your license to use the Application may be terminated by the Company at its discretion in the event of:
- Violation of any terms outlined in this Agreement.
- Non-payment of applicable fees for subscription-based services.
- Unauthorized distribution or leakage of course materials.
Access to the Application will be revoked upon termination.
9. Governing Law and Jurisdiction
This Agreement shall be governed by the laws of the United States, where the Company is licensed. Any disputes arising out of this Agreement shall be resolved in accordance with these laws.
10. Modifications to the Agreement
The Company reserves the right to modify this Agreement at any time without notifying users. Continued use of the Application following such modifications constitutes acceptance of the revised terms.
11. Contact Information
For any questions regarding this Agreement or the Application, please contact us at
Products & Services Regulatory Compliance
COLS Learning Hub LLC (the "cols academy") is committed to complying with all applicable laws and regulations regarding its products and services. Our courses and educational materials are designed to provide general information and enhance financial literacy.
The Company ensures that all content is up-to-date and complies with relevant regulatory standards. However, users must verify their jurisdictions' regulatory requirements before applying any information from our courses.
Not Providing Advice
COLS Learning Hub LLC does not provide personalized financial, investment, legal, or tax advice. All information, courses, and materials provided by the Company are for educational purposes only.
Users should seek advice from a qualified professional for specific financial, investment, legal, or tax issues.
The Company Is NOT An Investment Advisor, Broker, Dealer, OR Fiduciary
COLS Learning Hub LLC is not registered as an investment advisor, broker, dealer, or fiduciary with any regulatory authority.
The Company does not manage client funds, execute trades, or make recommendations tailored to individual circumstances. Users are solely responsible for their investment decisions.
Disclaimers
The information provided by COLS Learning Hub LLC is offered "as is" without warranties of any kind, either express or implied.
The Company disclaims all warranties, including but not limited to, the implied warranties of merchantability and fitness for a particular purpose. The Company does not guarantee the accuracy, completeness, or reliability of the information presented.
Understanding Risk
Investing in financial markets involves significant risk, including the potential loss of principal.
Users of COLS Learning Hub LLC's services must understand that past performance is not indicative of future results.
The Company urges users to consider their risk tolerance and seek professional advice before making any investment decisions.
Cryptocurrency
Educational content related to cryptocurrencies provided by COLS Learning Hub LLC is designed to offer general knowledge about the cryptocurrency market.
The Company does not endorse or promote any cryptocurrency's purchase, sale, or holding.
Users should be aware that investing in cryptocurrencies carries unique risks, including high volatility, regulatory changes, and cybersecurity threats.
Refund Policy
At COLS Learning Hub LLC, we strive to ensure customer satisfaction with our educational products and services. Our Refund Policy is designed to provide clarity on when and how refunds may be issued. By purchasing any of our courses or materials, you agree to the following terms:
1. General Refund Terms
- Eligibility for Refunds: Refunds are available only for certain products and under specific conditions as outlined below.
- Digital Products: Due to the nature of digital content, refunds are not available for digital products once they have been accessed
2. Course Purchases
- Refund Request Period: Refund requests for course purchases must be made within 7 days of the purchase date.
- Eligibility Criteria: To be eligible for a refund, the following conditions must be met:
- The course must not have been accessed or completed beyond 20%.
- The refund request must be submitted in writing to ([email protected])
within the specified refund request period.
- Processing Time: Refunds will be processed within 7-10 business days of receiving the eligible refund request. The refunded amount will be credited to the original method of payment.
3. Subscription Services
- Monthly Subscriptions: Monthly subscriptions can be canceled at any time, but no refunds will be issued for the remaining period of the current billing cycle.
4. Workshops and Webinars
- Refund Request Period: Refund requests for workshops and webinars must be made at least 7 days before the event date.
- Eligibility Criteria: To be eligible for a refund, the request must be submitted in writing to ([email protected]) within the specified refund request period.
5. Exceptional Circumstances
- Discretionary Refunds:In exceptional circumstances (e.g., medical emergencies, incorrect purchase), refunds may be issued at the sole discretion of COLS Learning Hub LLC. Documentation may be required to support the refund request.
6. Non-Refundable Items
- Non-Eligible Products: The following items are non-refundable:
- Digital products that have been accessed
- Completed courses.
- Personalized services
7. How to Request a Refund
To request a refund, please follow these steps:
1. Please Fill Out the Refund Form: Include your order details, including the order number, purchase date, and the reason for the refund request.
2. Provide Documentation: If applicable, provide any supporting documentation to substantiate your request.
3. Wait for Processing: Our team will review your request and respond within 3-5 business days with further instructions or confirmation of your refund status.
8. Changes to the Refund Policy
COLS Learning Hub LLC reserves the right to modify or update this Refund Policy at any time. Changes will be effective immediately upon posting to our website. Continued use of our services after any changes constitute your acceptance of the revised policy.
By purchasing our products or services, you acknowledge that you have read, understood, and agreed to this Refund Policy. For any questions or further assistance, please contact us at ([email protected])
Guidelines & Regulation
COLS Learning Hub LLC adheres to all applicable guidelines and regulations governing the financial education sector.
The Company maintains transparency in its operations and strives to provide accurate, reliable, and lawful content.
Users are encouraged to stay informed about the regulatory environment in their own regions.
Privacy Policy
COLS Learning Hub LLC is committed to protecting the privacy of its users.
The Company collects, uses, and stores personal information in accordance with its Privacy Policy, which complies with applicable data protection laws.
Purchase Terms & Conditions
By purchasing courses or materials from COLS Learning Hub LLC, users agree to the following terms and conditions:
- All sales are final. Refunds are only issued under specific circumstances as outlined in the Refund Policy.
- Users are granted a non-exclusive, non-transferable license to access and use the purchased content for personal, non-commercial purposes.
- The Company reserves the right to update course content and materials as necessary.
Notice The Right To Cancel
Users have the right to cancel their purchase within a specified period under applicable consumer protection laws.
To exercise this right, users must notify COLS Learning Hub LLC in writing within the cancellation period.
Upon cancellation, users will receive a refund in accordance with the Company's Refund Policy.
The right to cancel does not apply to digital products or services that have been accessed.
GDPR Compliance
Data Protection and GDPR
Introduction
Cols Academy is committed to protecting the privacy of our users and their customers. We stay appraised of developments in data protection laws to ensure that you can be confident in your safety while using our platform.
This page is intended to explain what the rules are, how they apply to your use of the Cols Academy platform and the steps we have taken to comply.
You should review this document in conjunction with our Privacy Policy and contact a specialist legal professional if you require more information or advice.
General Data Protection Regulation (GDPR)
Regulation (EU) 2016/679, more commonly known at the General Data Protection Regulation (GDPR) is an EU regulation aimed at harmonizing data protection and privacy laws across the EU. The provisions of the GDPR apply wherever personal data of an EU data subject is involved.
The GDPR is focused on giving individuals more control over how their data is used by companies, and making the collection and processing of data more transparent.
The GDPR was incorporated directly into UK law following the end of the Brexit transition period, meaning that UK businesses still have to comply with its provisions through the ‘UK GDPR’.
Basic GDPR concepts
Controller and processor
The GDPR imposes various obligations on a person depending on whether they are a controller or a processor of personal data.
A controller is an entity which decides to process personal data, and makes decisions regarding the basis of processing and the methods which will be used. Controllers have certain obligations regarding personal data, which you should familiarize yourself with before collecting personal data from your customers.
A processor is an entity which processes data for and on behalf of a controller. They make no independent decisions regarding the data or its processing, as they only process it on behalf of the controller and must comply with all instructions given by the controller.
When you use the Cols Academy service, you are a controller. You are in control of the data you upload to the Cols Academy system, what you do with that data, and why.
As a result, you are responsible for ensuring that you have a legal basis on which to process the data, and that you do not retain the data for any longer than is necessary.
You should ensure that you understand your obligations as a controller, and update your own systems and policies to allow the lawful transfer of personal data to Cols Academy .
Cols Academy is a data processor. We, through the Cols Academy platform, store and manage the data you have collected under your instructions. We will never use any personal data which you have uploaded to the Cols Academy system for our own purposes or without your instruction.
Legal basis for processing
As a processor, Cols Academy relies on our customers to select the correct basis under which they will be collecting and processing personal data, and to put the appropriate notices and consents in place. Before you use the Cols Academy service, you should take time to identify which legal bases may be available to you, and only collect and retain personal data to the extent necessary to carry out that basis. You should not change the basis under which you have collected personal data without very good reason, so it is important to understand the requirements of the different bases and make sure you select the right one at the start.
Data subject access rights
The GDPR grants data subjects (i.e. your customers) certain rights relating to their personal data, including the right to access, correct and/or delete any data relating to them.
Cols Academy has put in place easy systems for you to inform us if you receive such a request from a data subject, and for us to inform you if we receive such a request. We will ensure that, following your instructions, these requests are promptly complied with. You should familiarize yourself with the obligations which will be imposed on you, including relating to any personal data you hold on your own systems, or services other than Cols Academy.
Transfers of data to the USA
Personal data may not be transferred outside the EEA other than under specific circumstances. We utilize the Standard Contractual Clauses as part of our Data Processing Agreement which we sign with all of our customers.
Data Security
We have put in place strong security safeguards and measures to ensure that any personal data we hold is stored securely. We regularly test our products for bugs and vulnerabilities.
We ensure that we have regular back-up systems in place, and ensure that we have data recovery and data integrity systems and processes to minimize risk of corruption to or loss of personal data.
Steps we have taken to ensure GDPR compliance
We take our duties as a processor very seriously. We have put in place a number of procedures and taken a number of steps in order to ensure that we remain compliant with the GDPR and that you are able to lawfully send personal data collected by you to us, for example:
Our data processing agreement utilizes the Standard Contractual Clauses to ensure that you are able to lawfully send personal data to us in the USA.
We are able to detect personal breaches and to inform our customers as soon as possible.
We are able to deal with subject access requests and rights of erasure requests, and ensure that we inform you when a data subject has made such a request to us.
We have assessed and documented the personal data processed by us on your behalf.
We have assessed our security and upgraded this where necessary to ensure that it is appropriate for the level of risk we face in relation to a data breach.
Contact Information
For any questions or concerns regarding these policies, users may contact COLS Learning Hub LLC at:
- Address: 30 N Gould St, STE 4000, Sheridan, WY 82801
- Email: [email protected]
By using the services of COLS Learning Hub LLC,(cols academy) users acknowledge that they have read, understood, and agreed to these policies.