1. Use of Services

• You must be at least 11 years old to use our platform. Users under 18 must have parental or guardian consent.
• You agree to provide accurate, complete, and up-to-date information when creating an account.
• You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.
• You agree not to share your account with others or allow unauthorised access.

2. Subscriptions & Payments

• Access to certain features may require payment of subscription fees.
• All payments are processed securely through our approved payment providers.
• Subscription fees are billed according to the chosen plan and cannot be refunded except as required by law.
• You may cancel your subscription at any time via your account settings. Cancellation will prevent further billing but will not automatically refund previous payments.
• We reserve the right to adjust subscription fees with prior notice.

3. Intellectual Property

• All content, AI tools, software, materials, and resources on Smart Learning Hub are owned or licensed by Smart Learning Hub.
• You may not copy, reproduce, distribute, modify, or create derivative works from any content without prior written consent.
• Any suggestions, feedback, or contributions you provide may be used by Smart Learning Hub without obligation to you.

4. User Conduct

• You agree not to misuse the platform or interfere with its operation.
• You may not engage in behaviour that is illegal, harmful, abusive, or infringes on others' rights.
• We reserve the right to suspend or terminate accounts for violations of these Terms or any misuse of the platform.
• Harassment, spamming, or posting inappropriate content is strictly prohibited.

5. Limitation of Liability

• Smart Learning Hub provides services "as is" and makes no warranties regarding reliability, accuracy, or availability.
• We are not liable for any indirect, incidental, or consequential damages arising from your use of the platform.
• You agree that your use of the platform is at your own risk.

6. Termination

• We may suspend or terminate your account at our discretion, including for violations of these Terms.
• Users may delete their accounts at any time via account settings. Deletion will remove access to all paid features, content, and personalised data.
• Certain information may remain in our records for legal or administrative purposes.

7. Governing Law

• These Terms are governed by the laws of England and Wales.
• Any disputes arising under these Terms will be resolved in the courts of England and Wales.

8. Changes to Terms

• We may update these Terms from time to time.
• Updated Terms will be posted on this page with a new effective date.
• Continued use of the platform after changes constitutes acceptance of the updated Terms.

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