1. Introduction and Acceptance
These Terms of Service (“Terms”) govern your access to and use of the LearnWithChris platform, website, courses, community, live sessions, and all related services (collectively, the “Platform” or “Services”) operated by Ctop Digital Solution (RC No. 8676666), a registered business entity in the Federal Republic of Nigeria, trading as LearnWithChris.
By creating an account, accessing any content, making a purchase, or using any part of the Platform, you agree to be bound by these Terms. If you do not agree, do not access or use the Platform.
These Terms should be read together with our Privacy Policy, which is incorporated into these Terms by reference.
2. Eligibility
To use the Platform you must:
- Be at least 16 years of age
- Have the legal capacity to enter into a binding agreement in your jurisdiction
- Not be prohibited from using the Services under any applicable law
- Provide accurate, truthful, and complete information at registration
By creating an account you represent and warrant that you meet all of the above requirements. If you are using the Platform on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.
3. Account Registration and Responsibilities
3.1 Your Account
You are responsible for maintaining the confidentiality of your login credentials. You must not share your account with any other person. Any activity that occurs under your account is your responsibility, whether or not you authorised it.
3.2 Accurate Information
You agree to provide accurate information at registration and to keep it updated. Accounts created with false information may be suspended or permanently terminated without notice or refund.
3.3 One Account Per Person
Each user may maintain only one account. Creating duplicate or secondary accounts to circumvent a suspension, access restrictions, or payment requirements is strictly prohibited and will result in permanent termination of all associated accounts.
3.4 Account Security
If you suspect unauthorised access to your account, notify us immediately at hello@learnwithchris.app. We are not liable for any loss or damage arising from your failure to maintain the security of your credentials.
4. Courses, Content, and Access License
4.1 What You Are Purchasing
When you purchase a course, skill track, bundle, or any paid content on LearnWithChris, you are purchasing a limited, personal, non-exclusive, non-transferable licence to access and view that content for your own personal learning purposes only.
You are not purchasing ownership of the content, any intellectual property rights in the content, the right to download or permanently copy the content (unless explicitly stated), or the right to share, resell, sublicense, or redistribute the content in any form.
4.2 Access Duration
Unless otherwise stated at the time of purchase:
- Course access is granted for as long as the course remains active on the Platform and your account remains in good standing
- We reserve the right to retire, update, or remove course content with reasonable notice where possible
- Access is tied to your account and cannot be transferred to another person
4.3 Free Content
Free courses, preview lessons, and trial access are provided at our discretion and may be modified, restricted, or removed at any time without notice or liability.
4.4 Prohibited Uses of Content
You must not, under any circumstances:
- Download, copy, screen-record, or capture course content except where explicitly permitted
- Share your login credentials or grant any other person access to paid content through your account
- Reproduce, distribute, publish, broadcast, or sublicense any course content in whole or in part
- Use course content for commercial purposes, including training others for payment, without our express written permission
- Remove, alter, or obscure any copyright, trademark, or proprietary notices on any content
Violation of this section may result in immediate account termination, legal action, or both.
5. Payments and Pricing
5.1 Payment Processor
All payments on the Platform are processed by Paystack. By making a purchase you also agree to Paystack's terms of service and privacy policy. We do not store your full card details on our servers.
5.2 Pricing
All prices are displayed in Nigerian Naira (NGN) unless otherwise stated. Prices are inclusive of any applicable taxes unless stated otherwise at checkout. We reserve the right to change pricing at any time. Price changes will not affect purchases already completed.
5.3 Failed Payments
If a payment fails or is reversed, access to the associated content will be suspended until the payment is successfully completed. We are not liable for any loss of progress or access resulting from a failed or disputed payment.
5.4 Chargebacks
If you initiate a chargeback with your bank or card provider without first contacting us to resolve the issue, we reserve the right to permanently suspend your account and pursue recovery of the disputed amount through available legal channels. We encourage you to contact hello@learnwithchris.app before raising any dispute with your payment provider.
6. Refund Policy
We want you to be satisfied with your learning experience. Please read this policy carefully before purchasing.
6.1 Standard Refund Window
You may request a refund within 7 days of the date of purchase, provided that:
- You have accessed less than 20% of the course or track content
- You have not downloaded any downloadable resources included with the course
- You have not received a certificate of completion
- The request is submitted to hello@learnwithchris.app from your registered email address
6.2 Non-Refundable Items
The following are not eligible for a refund under any circumstances:
- Purchases where more than 20% of the content has been accessed
- Bundle purchases where any individual item has been substantially consumed
- Courses purchased during a promotional sale or at a discounted price
- Live session tickets or challenge enrollment fees once the session or challenge has commenced
- Any purchase made more than 7 days before the refund request is submitted
6.3 How Refunds Are Processed
Approved refunds will be processed back to the original payment method within 10 business days of approval. We are not responsible for delays caused by your bank or card provider.
6.4 Exceptional Circumstances
We review refund requests outside the standard policy on a case-by-case basis at our sole discretion. Submitting a request does not guarantee approval. We will not process refunds that we reasonably believe are submitted in bad faith or to abuse this policy.
7. The 30-Day Challenge
7.1 Enrollment
By enrolling in a 30-Day Challenge, you acknowledge that the challenge runs for a fixed period and that enrollment fees are non-refundable once the challenge has commenced, as defined in Section 6.2.
7.2 Participation
Participation in challenges is voluntary. Failure to complete a challenge does not entitle you to a refund or extended access beyond the challenge period unless explicitly stated.
7.3 Leaderboards and Rewards
Any prizes, certificates, shoutouts, or recognition offered as part of a challenge are provided at our discretion. We reserve the right to modify, cancel, or substitute rewards at any time. Rewards cannot be exchanged for cash.
8. Live Sessions
8.1 Attendance
Live sessions are scheduled in advance and run at fixed times. We are not obligated to reschedule a session because you were unable to attend. Where a session is recorded, replay access will be made available to enrolled learners as stated in the session description.
8.2 Recording Consent
By joining a live session, you acknowledge that the session may be recorded and that your display name and chat participation may be captured in the recording. If you do not consent to being recorded, you must not join sessions marked as recorded.
8.3 Conduct in Live Sessions
You must not disrupt, spam, harass, or attempt to derail live sessions. Violations may result in removal from the session and suspension of your account without refund.
8.4 Technical Issues
We are not liable for technical failures, connectivity issues, or platform outages that affect your ability to access a live session. Where a session fails entirely due to a platform-side issue, we will make reasonable efforts to reschedule or provide a recording.
9. Community Conduct
9.1 The Standard We Expect
The LearnWithChris community exists to support transformation, accountability, and growth. Every member is expected to contribute to a respectful, constructive, and encouraging environment.
9.2 Prohibited Conduct
You must not, within any community feature of the Platform:
- Harass, bully, threaten, intimidate, or demean any other member or staff
- Post or share content that is defamatory, obscene, pornographic, or otherwise offensive
- Spam, advertise, promote, or solicit other members without express permission from LearnWithChris
- Share misinformation, false claims, or content designed to deceive
- Impersonate any other person, member, or staff
- Post content that infringes the intellectual property rights of any third party
- Share another member's private information without their consent
- Engage in any activity intended to disrupt, damage, or exploit the Platform or its users
9.3 Reporting
If you encounter content or behaviour that violates these standards, report it to hello@learnwithchris.app. We take all reports seriously and will investigate promptly.
9.4 Moderation and Enforcement
We reserve the right to remove any content, issue warnings, temporarily suspend, or permanently ban any account that violates these community standards, at our sole discretion and without prior notice. Decisions made under this section are final.
Accounts banned for community conduct violations are not entitled to a refund of any unused access or remaining subscription period.
9.5 User-Generated Content
By posting content in any community feature, you grant LearnWithChris a non-exclusive, royalty-free, worldwide licence to display, reproduce, and distribute that content within the Platform for the purpose of operating the community. You retain ownership of your content. We do not claim any intellectual property rights over what you post.
You represent that any content you post does not violate the rights of any third party and that you have all necessary rights to grant the licence above.
10. Intellectual Property
10.1 Our Content
All content on the Platform — including but not limited to course videos, audio, written materials, graphics, logos, UI design, and the LearnWithChris brand — is owned by or licensed to Ctop Digital Solution and is protected by Nigerian and international intellectual property law.
10.2 Your Licence
Your purchase grants you only the limited personal access licence described in Section 4. No other rights are granted.
10.3 Feedback
If you submit feedback, suggestions, or ideas about the Platform, you grant us the right to use that feedback freely without obligation, compensation, or attribution to you.
11. Disclaimers
11.1 No Guarantee of Results
LearnWithChris provides educational content and community tools. We do not guarantee that using the Platform will result in any specific income, career outcome, business result, or personal transformation. Results depend on individual effort, circumstances, and application of knowledge.
11.2 Content Accuracy
We make reasonable efforts to ensure course content is accurate and up to date. However, the digital and business landscape changes rapidly. We do not warrant that any content is complete, current, or free from error. You are responsible for verifying any information before acting on it.
11.3 Platform Availability
We aim to keep the Platform available at all times but do not guarantee uninterrupted access. We may take the Platform offline for maintenance, upgrades, or reasons beyond our control. We are not liable for any loss caused by Platform downtime.
12. Limitation of Liability
To the maximum extent permitted by applicable law, Ctop Digital Solution, its directors, employees, contractors, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Platform, including but not limited to loss of income, loss of data, loss of business opportunity, or reputational damage.
Our total liability to you for any claim arising from these Terms or your use of the Platform shall not exceed the total amount you paid to us in the 3 months immediately preceding the event giving rise to the claim.
Nothing in these Terms excludes liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.
13. Indemnification
You agree to indemnify, defend, and hold harmless Ctop Digital Solution and its officers, employees, and partners from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from your use of the Platform, your violation of these Terms, your violation of any third-party rights, or any content you submit to the Platform.
14. Termination
14.1 By You
You may close your account at any time by contacting hello@learnwithchris.app. Closing your account does not entitle you to a refund outside the terms of Section 6.
14.2 By Us
We reserve the right to suspend or permanently terminate your account at any time if you violate these Terms, engage in fraudulent activity, abuse the Platform or other users, or for any other reason we consider sufficient to protect the integrity of the Platform and its community.
Where termination is due to a breach of these Terms, no refund will be issued for any unused access period.
14.3 Effect of Termination
Upon termination, your licence to access all content is immediately revoked. Sections 4.4, 9.5, 10, 11, 12, 13, and 17 survive termination.
15. Changes to These Terms
We may update these Terms from time to time. When we make material changes we will notify you by email to your registered address or by in-app notice at least 14 days before the changes take effect.
Your continued use of the Platform after the effective date of any update constitutes your acceptance of the revised Terms. If you do not agree with any update, you may close your account before the effective date by contacting hello@learnwithchris.app.
16. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria, including the Nigeria Data Protection Act 2023 and all other applicable Nigerian legislation.
In the event of any dispute arising from or related to these Terms or your use of the Platform, both parties agree to first attempt resolution through good-faith direct negotiation by contacting hello@learnwithchris.app. If the dispute cannot be resolved within 30 days of written notice, it shall be submitted to the jurisdiction of the courts of the Federal Republic of Nigeria.
For users located in the United Kingdom or European Economic Area, nothing in this clause limits your rights under applicable local consumer protection or data protection law.
17. General Provisions
Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and Ctop Digital Solution regarding your use of the Platform and supersede all prior agreements or understandings.
Severability: If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or removed to the minimum extent necessary and the remaining provisions will remain in full force and effect.
No Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
Assignment: You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.
Language: These Terms are written in English. Any translation is provided for convenience only. In the event of any conflict, the English version prevails.
18. Contact Us
For all questions, notices, or concerns regarding these Terms:
Email: hello@learnwithchris.app
Website: learnwithchris.app/contact
Registered entity: Ctop Digital Solution, RC No. 8676666, Federal Republic of Nigeria