Welcome to Prosper IQ Institute. These Terms of Use (“Terms”) govern your access to and use of our website, services, content, and offerings (collectively referred to as the “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.
1. Eligibility
You must be at least 18 years of age or the age of majority in your jurisdiction to access and use our Services. By using the site, you represent and warrant that you meet this requirement and have the legal authority to enter into these Terms.
2. Use of Services
You agree to use the Services only for lawful purposes and in accordance with these Terms. You must not:
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Violate any applicable laws or regulations
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Infringe on the intellectual property rights of Prosper IQ Institute or others
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Transmit harmful or malicious code
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Interfere with the operation of the website or the experience of other users
We reserve the right to suspend or terminate your access to the Services at our sole discretion, without notice, if we suspect or detect any violation of these Terms.
3. Account Registration
Some features of our Services require you to register for an account. You agree to provide accurate, complete, and current information and to keep your login credentials secure. You are responsible for all activity under your account.
4. Intellectual Property
All content provided through the Services — including text, graphics, videos, logos, and course materials — is the property of Prosper IQ Institute or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without express written permission.
5. Payments
By purchasing a course, coaching session, or subscription, you agree to pay all applicable fees as described on our site. Payments are processed through secure third-party providers. Prosper IQ Institute is not responsible for any transaction errors caused by the payment processor.
6. Service Disclaimer
All educational content provided by Prosper IQ Institute is for informational and educational purposes only. We do not provide personalized financial, legal, or investment advice. Decisions based on our content are made at your own discretion and risk.
While our courses are created by experienced professionals, we make no guarantees regarding specific outcomes, results, or financial gains. Prosper IQ Institute disclaims all liability for any loss or damage resulting from reliance on our Services.
You are solely responsible for consulting with a licensed financial advisor or professional where appropriate.
7. Refund Policy
We offer a 7-day refund window for course purchases, provided you have completed less than 20% of the content. Refunds must be requested in writing by contacting support@prosperiqhub.com within 7 days of purchase.
Refunds are not available for:
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Coaching sessions that have been booked or completed
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Subscription payments (except in cases of billing errors)
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Course bundles after access to more than one course has been initiated
We reserve the right to deny refund requests that violate these terms or are made in bad faith.
8. User Conduct
You agree not to misuse or exploit the Services in any way, including:
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Uploading or distributing unauthorized or illegal materials
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Harassing, threatening, or harming other users
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Attempting to reverse-engineer or bypass platform protections
Violations may result in immediate suspension or permanent account termination.
9. Modifications to Services
Prosper IQ Institute reserves the right to modify, suspend, or discontinue any aspect of the Services at any time without liability. We may also update these Terms periodically, and it is your responsibility to review them regularly. Continued use of the Services constitutes acceptance of any changes.
10. Limitation of Liability
To the fullest extent permitted by law, Prosper IQ Institute shall not be liable for any indirect, incidental, consequential, or punitive damages, including but not limited to loss of data, profits, or goodwill, arising from your use or inability to use our Services.
11. Governing Law
These Terms are governed by the laws of the Republic of Singapore. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Singapore.
12. Contact Us
For questions, support, or legal inquiries, please contact:
📧 support@prosperiqhub.com