# Terms and Conditions

Effective Date: 05/07/2026

Last Updated: 09/01/2025

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## 1. Service Overview

### What We Provide

We offer a subscription-based platform that gives you unlimited access to our comprehensive library of online courses. Our service includes:

- Unlimited Course Access - Take as many courses as you want during your subscription

- New Content Regularly - Fresh courses added to expand your learning opportunities

- 24/7 Platform Access - Learn at your own pace, anytime

- Special Product/Service - Additional product and service such as transcripts & registrations

- Progress Tracking - Monitor your learning journey

- Digital Resources - Downloadable materials and supplementary content

### Important Note About Our Service

All courses provided through our platform are offered completely free of charge as part of your subscription. You are paying only for platform access and the convenience of unlimited course availability.

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## 2. Subscription and Billing

### Subscription Terms

- Subscriptions are billed on a recurring basis (monthly or annually as selected)

- Your subscription automatically renews unless cancelled

- You maintain full access to all courses during your active subscription period

### Payment Processing

- All payments are processed securely through our payment partners

- You authorize us to charge your selected payment method for recurring subscription fees

- Failed payments may result in service interruption

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## 3. Cancellation Policy

### Easy Cancellation

You may cancel your subscription at any time through your account dashboard or by contacting our support team. Upon cancellation:

- Your access will continue until the end of your current billing period

- No further charges will be made to your payment method

- You will receive confirmation of your cancellation

### Immediate Effect

Cancellations take effect at the end of your current billing cycle - you won't lose access mid-period.

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## 4. Refund Policy

### NO REFUNDS - IMPORTANT

ABSOLUTELY NO REFUNDS WILL BE ISSUED UNDER ANY CIRCUMSTANCES. This policy exists because:

✗ All courses are provided free of charge as part of your subscription

✗ Unlimited access means you can take as many courses as you want

✗ Immediate access to all content upon subscription activation

✗ Digital delivery means content is immediately available and consumed

### Why No Refunds?

Since you gain instant access to our entire course library at no additional cost per course, and can consume unlimited educational content, we cannot offer refunds for any reason, including but not limited to:

- Change of mind

- Lack of time to use the service

- Technical difficulties on your end

- Dissatisfaction with course content

- Duplicate purchases

- Accidental sign-ups

### Alternative to Refunds

Instead of seeking refunds, we encourage you to:

- Cancel your subscription to avoid future charges

- Use your remaining subscription period to explore different courses

- Contact support if you're having technical issues

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## 5. Acceptable Use

### What You Can Do

- Access and complete courses for personal or professional development

- Download provided materials for personal use

- Share your learning achievements

### What You Cannot Do

- Share your login credentials with others

- Download or distribute course content for commercial use

- Attempt to copy, reproduce, or resell our courses

- Use our platform for any illegal activities

- Disrupt or interfere with our service

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## 6. Intellectual Property

### Our Content

All course materials, videos, text, images, and other content remain our exclusive property. Your subscription grants you a personal, non-transferable license to access this content for learning purposes only.

### Your Rights

You retain ownership of any work you create while taking our courses, but you cannot claim ownership of our instructional materials.

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## 7. Service Availability

### Our Commitment

We strive to provide 99.9% uptime, but occasional maintenance or technical issues may occur.

### No Guarantees

While we work hard to ensure consistent service, we cannot guarantee:

- Uninterrupted access to the platform

- Error-free content or technical performance

- Specific learning outcomes or results

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## 8. Privacy and Data

### Your Information

We collect and use your information as outlined in our Privacy Policy. By using our service, you consent to our data practices.

### Course Progress

We track your course progress to enhance your learning experience and provide personalized recommendations.

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## 9. Limitation of Liability

### Our Responsibility

Our liability is limited to the amount you paid for your current subscription period. We are not liable for:

- Indirect, incidental, or consequential damages

- Lost profits or business opportunities

- Data loss or corruption

- Third-party actions or content

### Your Responsibility

You are responsible for your own learning outcomes and how you apply course knowledge.

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## 10. Changes to Terms

### Updates

We may update these terms periodically. Significant changes will be communicated via email or platform notification.

### Continued Use

Your continued use of our service after changes constitutes acceptance of the updated terms.

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## 11. Contact Information

### Need Help?

- Support Email: [email protected]

- Help Center: abcm.ai/contact

- Business Hours: M-F 9am - 5pm

### Legal Notices

Company Name: American Board of Credentials Management, LLC

Address: NM

Governing Law: These terms are governed by the laws of New Mexico

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## 12. Final Reminders

### Key Points to Remember

🚫 NO REFUNDS - This policy is firm and absolute

✅ Cancel Anytime - Easy cancellation through your account

📚 Unlimited Learning - Take as many courses as you want

💳 Subscription-Based - Pay for access, not individual courses

By subscribing to our service, you acknowledge that you have read, understood, and agree to these terms and conditions, including our strict no-refund policy.

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These terms and conditions constitute a legally binding agreement between you and American Board of Credentials Management.