TERMS OF USE
Restructuring Program
Last Updated: May, 3rd 2026
1. Agreement to Terms
By enrolling in, accessing, or using any content offered through this platform (the "Program"), you ("Student," "User," or "You") agree to be fully and unconditionally bound by these Terms of Use ("Terms"). These Terms constitute a legally binding agreement between you and the Program operator. If you do not agree to all of these Terms in their entirety, you must immediately cease all access to and use of the Program.
These Terms apply to all forms of content delivered through this Program, including but not limited to video lectures, written materials, PDFs, case studies, exercises, quizzes, templates, and any downloadable resources (collectively, "Content").
2. Payment & Absolute No-Refund Policy
2.1 Non-Refundable Purchase
ALL SALES ARE FINAL. THE PROGRAM FEE IS STRICTLY AND UNCONDITIONALLY NON-REFUNDABLE UNDER ANY CIRCUMSTANCE WHATSOEVER.
By completing your enrollment and submitting payment, you expressly acknowledge and irrevocably agree that your purchase is final and that no refund, credit, chargeback, reversal, or partial reimbursement of any kind will be issued under any condition, including but not limited to:
• Failure to complete or engage with the Program content;
• Dissatisfaction with the Program, its content, instructors, or format;
• Technical difficulties experienced on your end (device, browser, internet connection);
• Change of personal circumstances, employment status, or financial situation;
• Unanticipated scheduling conflicts or inability to attend sessions;
• Partial use or non-use of any portion of the Program;
• Termination of your account due to violation of these Terms;
• Duplication of subject matter with other programs you have purchased;
• Any other reason, whether foreseeable or unforeseeable, at law or in equity.
2.2 Chargeback & Dispute Prohibition
You expressly waive any right to initiate a chargeback, payment dispute, or reversal through your bank, credit card issuer, or any other payment processor. Any attempt to reverse or dispute a charge will be treated as a material breach of these Terms and will result in immediate, permanent account termination and potential legal action to recover all costs, including attorney's fees and damages.
2.3 Acknowledgment
You confirm that you have reviewed the Program description, curriculum, and sample materials (if any) prior to purchasing, and that you are making an informed, voluntary purchasing decision with full knowledge that the sale is final.
3. Intellectual Property & Anti-Piracy Policy
3.1 Ownership of Content
All Content made available through this Program — including but not limited to video recordings, lecture notes, slides, written materials, case studies, financial models, quizzes, and any other materials — is the exclusive intellectual property of the Program operator and is protected by applicable copyright, trademark, and intellectual property laws.
3.2 License Granted
Upon enrollment, you are granted a limited, non-exclusive, non-transferable, non-sublicensable, revocable personal license to access and view the Content solely for your own personal, non-commercial, educational use. This license does not constitute a sale and grants no ownership rights of any kind.
3.3 Strictly Prohibited Conduct
The following actions are absolutely prohibited and constitute grounds for immediate account termination and potential legal action:
• Sharing your login credentials with any other person for any reason;
• Recording, screenshotting, downloading, or capturing any Content by any means;
• Uploading, distributing, republishing, or reselling any Content on any platform;
• Sharing Content with colleagues, friends, or any third parties;
• Using Content for commercial purposes, training programs, or group instruction;
• Reverse engineering, decompiling, or extracting any materials from the platform;
• Creating derivative works based on Program Content without explicit written permission.
3.4 Device Limit & Account Termination for Unauthorized Access
STRICT DEVICE LIMIT ENFORCEMENT: Each account is authorized for use on a maximum of three (3) unique devices. If your account is accessed from more than three (3) different devices — whether simultaneously or across separate sessions — your account will be PERMANENTLY TERMINATED WITHOUT PRIOR NOTICE, WITHOUT WARNING, AND WITHOUT ANY REFUND OR COMPENSATION OF ANY KIND.
For the avoidance of doubt:
• Device monitoring is automated and continuously active;
• Each login from a new device or browser environment is tracked and logged;
• The three-device limit is strictly enforced regardless of your reason for accessing from additional devices;
• You will not receive a warning, grace period, or opportunity to cure prior to termination;
• Termination is final, immediate, and without appeal;
• No refund, credit, or reimbursement will be issued upon termination for any reason.
If you require access from additional devices, you must purchase a separate enrollment. No exceptions will be made.
3.5 Monitoring & Enforcement
We actively monitor access patterns, login data, IP addresses, device fingerprints, and usage behavior for the purpose of detecting unauthorized use, credential sharing, and piracy. By using the Program, you consent to this monitoring. Evidence of piracy or unauthorized access will be reported to the relevant authorities and may be used in civil or criminal proceedings.
4. Account Responsibilities
You are solely responsible for maintaining the confidentiality of your account credentials. You must not share your username or password with any other person for any reason. You agree to notify us immediately if you become aware of any unauthorized use of your account. We are not liable for any loss resulting from unauthorized use of your account.
5. Acceptable Use
You agree to use the Program only for lawful purposes and in accordance with these Terms. You agree not to use the Program in any way that could damage, disable, overburden, or impair the platform or interfere with any other user's access to the Program.
6. Disclaimers & Limitation of Liability
The Program is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, express or implied. To the maximum extent permitted by applicable law, the Program operator shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your access to or use of the Program, including but not limited to loss of income, loss of data, or business interruption.
Content is provided for educational purposes only. Nothing in the Program constitutes legal, financial, investment, or professional advice. You are solely responsible for how you use or apply any information obtained through the Program.
7. Modifications to These Terms
We reserve the right to modify these Terms at any time at our sole discretion. Changes will be effective immediately upon posting to the platform. Your continued access to the Program following the posting of revised Terms constitutes your acceptance of such changes. It is your responsibility to review these Terms periodically.
8. Governing Law & Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of New York, United States of America, without regard to its conflict of law provisions. Any dispute arising out of or related to these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in New York County, New York.
9. Severability
If any provision of these Terms is found to be unenforceable or invalid under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
10. Entire Agreement
These Terms constitute the entire agreement between you and the Program operator with respect to your use of the Program and supersede all prior agreements, representations, and understandings, whether written or oral.
11. Contact
If you have questions regarding these Terms, please contact us prior to enrolling. By enrolling, you confirm that you have read, understood, and agree to be bound by these Terms in their entirety.
By enrolling in the Program, you confirm that you have read and unconditionally agree to these Terms of Use.