Terms of Use

Last updated: February 13, 2026

These Terms of Use govern your access to and use of the services, content, and platform provided by prospectivapy ("we", "us", or "our") at prospectivapy. By accessing or using our platform, you agree to be bound by these terms. If you do not agree, please discontinue use immediately.

1. Acceptance of Terms

By creating an account, browsing the platform, or engaging with any course or educational material, you confirm that you have read, understood, and accepted these Terms of Use in full. These terms apply to all visitors, registered users, and any other parties who interact with the platform.

2. Eligibility

You must be at least 16 years of age to use this platform independently. Users under the applicable age of digital consent in their region must have verifiable parental or guardian approval. By using the platform, you represent that you meet these eligibility requirements.

3. Account Registration

3.1 Account Creation

Certain features of the platform require you to register an account. You agree to provide accurate, current, and complete information during registration and to keep your account details up to date.

3.2 Account Security

You are solely responsible for maintaining the confidentiality of your login credentials. Any activity that occurs under your account is your responsibility. Notify us immediately at help@prospectivapy.com if you suspect unauthorized access to your account.

3.3 Account Termination

We reserve the right to suspend or terminate your account at our discretion if we determine that you have violated these Terms of Use or engaged in conduct harmful to other users or the platform.

4. Use of the Platform

4.1 Permitted Use

You may use the platform solely for lawful, personal, and non-commercial educational purposes unless a separate written agreement with us permits otherwise.

4.2 Prohibited Conduct

You agree not to:

• Copy, reproduce, distribute, or resell any course content without explicit written permission
• Use automated tools, bots, or scrapers to extract content from the platform
• Attempt to gain unauthorized access to any part of the platform or its underlying systems
• Upload or transmit malicious code, viruses, or harmful data
• Harass, impersonate, or harm other users or staff
• Use the platform to promote unlawful activities or distribute prohibited content
• Interfere with the integrity or performance of the platform

5. Intellectual Property

5.1 Our Content

All content on the platform, including but not limited to course materials, text, graphics, video, audio, data compilations, and software, is owned by or licensed to prospectivapy and is protected by applicable intellectual property laws. No content may be reproduced or used outside the platform without prior written consent.

5.2 User-Submitted Content

If you submit, post, or share content on the platform (such as comments, forum posts, or assignment responses), you grant us a non-exclusive, worldwide, royalty-free license to use, display, and distribute that content in connection with operating and improving the platform. You retain ownership of your submissions.

5.3 Feedback

Any feedback, suggestions, or ideas you provide to us may be used by prospectivapy without obligation or compensation to you.

6. Payments and Subscriptions

6.1 Fees

Certain courses or features may require payment. All applicable fees will be clearly displayed before purchase. You agree to pay all charges associated with your selected plan or course at the time of purchase.

6.2 Refunds

Refund eligibility is governed by our Refund Policy, which is incorporated into these Terms by reference. Refunds are not guaranteed and are assessed on a case-by-case basis.

6.3 Subscription Renewals

If you subscribe to a recurring plan, your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. You are responsible for managing your subscription settings.

7. Third-Party Links and Services

The platform may contain links to third-party websites or integrate third-party tools. These are provided for convenience only. We do not endorse or assume responsibility for the content, privacy practices, or reliability of any third-party service. Your use of third-party services is at your own risk and subject to their respective terms.

8. Privacy

Your use of the platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the platform, you consent to the collection and use of your information as described in that policy.

9. Disclaimers

The platform and all content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the platform will be uninterrupted, error-free, or free of harmful components. Educational content is provided for informational purposes and does not constitute professional advice of any kind.

10. Limitation of Liability

To the fullest extent permitted by applicable law, prospectivapy shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the platform, even if we have been advised of the possibility of such damages. Our total liability for any claim arising out of these Terms shall not exceed the amount you paid to us in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless prospectivapy and its officers, employees, partners, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of your use of the platform, your violation of these Terms, or your infringement of any third-party rights.

12. Modifications to the Terms

We may update these Terms of Use from time to time. When we do, we will revise the "Last updated" date at the top of this page. Continued use of the platform after any changes constitutes your acceptance of the revised terms. We encourage you to review this page periodically.

13. Modifications to the Platform

We reserve the right to modify, suspend, or discontinue any part of the platform at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of services.

14. Termination

Either party may terminate the relationship governed by these Terms at any time. You may do so by ceasing use of the platform and deleting your account. We may terminate or restrict your access immediately if we determine, at our sole discretion, that you have breached these Terms or that continued access poses a risk to the platform or other users.

15. Governing Principles

These Terms are intended to be interpreted in a manner consistent with fair dealing, good faith, and the reasonable expectations of both parties. No specific legal jurisdiction is designated; disputes will be resolved through good-faith negotiation where possible.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

17. Entire Agreement

These Terms of Use, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and prospectivapy regarding your use of the platform and supersede any prior agreements or understandings.

18. Contact

If you have questions about these Terms of Use, please contact us: