Terms of Service — Learners

1. Who We Are

KermelsAcademy ("we," "our," "us") is an online learning platform operating in Nigeria, providing recorded courses, live classes, and practice materials across Primary, Secondary, University, and practical/vocational subjects.

2. Accounts

You must provide accurate information when registering. Accounts under 18 [PLACEHOLDER — confirm exact parental-consent requirement with legal counsel] may require a parent or guardian's involvement. You are responsible for keeping your login details secure.

3. Course Access & Payments

• Independent tutor courses are purchased individually via Paystack.
• Studio subscriptions grant access to a set number of Studio courses per billing cycle, based on your chosen plan and academic stage.
• Combos bundle multiple tutors' courses at a single negotiated price.
• All prices are shown in Nigerian Naira (₦) before checkout.

4. Refund Policy

See our separate Refund Policy for full details. In summary: a refund may be requested within [X] days of purchase, provided you have not consumed more than [X]% of the course content.

5. Live Classes

Live class schedules, tutor assignments, and recordings are provided as described on the platform. We reserve the right to reassign a live class to a substitute tutor when necessary.

6. Tutor Conduct & Content

Tutors are responsible for the accuracy and appropriateness of their course content. We reserve the right to review, moderate, or remove content that violates our quality or conduct standards.

7. Prohibited Use

You may not: share your account, redistribute course content, use the platform for any unlawful purpose, or attempt to circumvent access controls.

8. Limitation of Liability

[STANDARD LIABILITY LANGUAGE — REQUIRES LEGAL DRAFTING]

9. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated to registered users.

10. Contact

[SUPPORT EMAIL / ADDRESS]