Term of Service
1. Introduction and Scope
1.1 Purpose of these Terms
These Terms of Service (“Terms”) constitute the primary and governing legal agreement between Block2Learn and any individual or entity accessing or using the Platform. These Terms establish the legal framework governing access to and use of the Block2Learn ecosystem and are intended to define the rights, obligations, responsibilities, limitations, protections, and legal relationship between the User and Block2Learn.
These Terms are designed to operate as the master agreement governing all current and future products, services, content, memberships, subscriptions, educational programs, digital products, technologies, software tools, research materials, learning systems, applications, communities, and offerings made available through the Block2Learn ecosystem.
1.2 Identification of Block2Learn
Block2Learn is a digital educational platform operated by Tiziano Tomba Liguori under the Block2Learn brand.
The Platform provides educational content, research materials, learning resources, digital products, memberships, subscriptions, educational frameworks, learning paths, dashboards, market analysis, educational tools, and related services intended for informational and educational purposes.
1.3 References to Block2Learn
For the purposes of these Terms, the terms “Block2Learn,” “Platform,” “Company,” “we,” “us,” and “our” shall collectively refer to the Block2Learn ecosystem, its operator, and any future entity, affiliate, subsidiary, successor, assignee, purchaser, corporate structure, legal vehicle, or organization that may own, operate, manage, control, acquire, license, or otherwise be responsible for the Platform or any part thereof.
References to Block2Learn shall be interpreted broadly to ensure the continued validity, enforceability, and applicability of these Terms regardless of any future organizational, legal, operational, ownership, or corporate changes affecting the Platform.
1.4 Scope of the Agreement
These Terms apply to all access to and use of the Platform, including but not limited to:
a) websites and web pages;
b) educational content;
c) research publications;
d) articles and market analysis;
e) learning paths;
f) educational frameworks and methodologies;
g) memberships and subscriptions;
h) digital products;
i) books, guides, videos, and educational materials;
j) dashboards and progress tracking systems;
k) software tools and applications;
l) artificial intelligence powered features;
m) community features;
n) referral programs;
o) certification programs;
p) future products, services, features, technologies, and offerings.
These Terms apply whether access is provided free of charge or through a paid product, membership, subscription, license, or other commercial arrangement.
1.5 Future Services
Block2Learn reserves the right to introduce, modify, discontinue, replace, expand, consolidate, or otherwise develop new products, services, technologies, memberships, educational programs, software solutions, artificial intelligence tools, applications, communities, certifications, partnerships, referral programs, and commercial offerings at any time.
Unless expressly stated otherwise, all current and future services made available through the Platform shall automatically be governed by these Terms and any applicable supplemental policies incorporated by reference.
The introduction of new services shall not require the execution of a separate agreement unless expressly required by Block2Learn or applicable law.
1.6 Binding Effect
By accessing, browsing, registering for, purchasing from, subscribing to, participating in, or otherwise using any portion of the Platform, the User acknowledges and agrees that these Terms constitute a legally binding agreement.
If the User does not agree to these Terms, the User must immediately cease accessing and using the Platform.
Use of the Platform following publication of these Terms constitutes acceptance of the agreement in its entirety.
1.7 International Users
The Platform is operated from Italy and may be accessed by users located in multiple jurisdictions throughout the world.
Block2Learn makes no representation that the Platform, its content, products, services, or materials are appropriate, available, or lawful in every jurisdiction.
Access to the Platform from any jurisdiction is undertaken solely at the User’s own initiative and risk.
1.8 User Responsibility for Local Compliance
Users are solely responsible for determining whether access to and use of the Platform is lawful within their jurisdiction.
Users are solely responsible for complying with all local laws, regulations, restrictions, requirements, reporting obligations, and legal requirements applicable to their use of the Platform.
Block2Learn shall have no responsibility or liability arising from a User’s failure to comply with applicable laws in the User’s jurisdiction.
1.9 Right to Refuse Access
Block2Learn reserves the right, at its sole discretion and without obligation to provide justification, to refuse access to the Platform, restrict access to any service, suspend accounts, terminate accounts, limit functionality, or deny participation in any product, service, membership, subscription, program, or offering.
Nothing in these Terms shall be interpreted as creating a right to access, purchase, maintain, or continue access to any part of the Platform.
1.10 Entire Ecosystem Coverage
These Terms govern the entire Block2Learn ecosystem and shall apply to all interactions between the User and Block2Learn, whether occurring through websites, applications, memberships, subscriptions, digital products, educational services, software tools, communications, communities, future services, or any other offering made available by Block2Learn.
The User acknowledges and agrees that these Terms are intended to establish a comprehensive legal framework governing the present and future operation of the Block2Learn ecosystem.
2. Legal Identity and Platform Operator
2.1 Identification of Block2Learn
Block2Learn is a digital educational platform that provides educational content, research materials, learning resources, digital products, memberships, subscriptions, educational methodologies, learning systems, dashboards, analytical content, and related services.
Block2Learn operates as an educational and informational platform intended to support learning, research, critical thinking, and decision making through structured educational materials and related services.
2.2 Platform Operator
The Platform is operated by the individual identified in Section 1.2 of these Terms.
Except where disclosure is required by applicable law, references throughout these Terms to “Block2Learn,” “the Platform,” “we,” “us,” or “our” shall be deemed sufficient to identify the contracting party and the provider of the services described herein.
Nothing in these Terms shall be interpreted as creating any personal liability beyond that imposed by applicable law.
2.3 Future Corporate Structure
Block2Learn may, at any time and without prior notice, be operated through a sole proprietorship, company, corporation, limited liability entity, partnership, holding structure, subsidiary, affiliate, successor organization, or any other lawful legal structure.
The User acknowledges and agrees that the organizational structure through which Block2Learn conducts its activities may evolve over time without affecting the validity, enforceability, or continuity of these Terms.
Any future corporate restructuring shall not constitute termination of the contractual relationship established under these Terms.
2.4 Successor Entities and Assignments
Block2Learn reserves the right to assign, transfer, delegate, novate, license, sell, merge, reorganize, incorporate, restructure, or otherwise transfer all or part of its operations, assets, rights, obligations, intellectual property, products, services, memberships, subscriptions, contracts, or business activities to any successor entity or lawful third party.
To the maximum extent permitted by applicable law, any successor entity shall automatically assume the rights, protections, limitations, benefits, obligations, and contractual positions established under these Terms.
The User expressly agrees that no additional consent shall be required for such assignment, transfer, restructuring, merger, acquisition, or succession except where applicable law expressly requires otherwise.
Continued use of the Platform following any such transition shall constitute acceptance of the successor entity as the lawful operator of Block2Learn.
2.5 References to Block2Learn, We, Us, and Our
Throughout these Terms and any supplemental policies incorporated by reference, the terms “Block2Learn,” “Company,” “Platform,” “we,” “us,” and “our” shall collectively include:
a) the current operator of Block2Learn;
b) any future legal entity operating Block2Learn;
c) affiliated entities;
d) parent companies;
e) subsidiaries;
f) successors;
g) assignees;
h) purchasers;
i) licensees;
j) authorized operators of the Platform.
Such references shall be interpreted broadly to ensure the continued effectiveness and enforceability of these Terms regardless of changes in ownership, management, legal structure, branding, technology, operational model, or corporate organization.
3. Acceptance of the Terms
3.1 Acceptance by Access
By accessing or browsing any portion of the Platform, the User acknowledges having read, understood, and agreed to be bound by these Terms.
Access to the Platform is conditioned upon acceptance of these Terms.
Users who do not agree with these Terms must immediately discontinue access to the Platform.
3.2 Acceptance by Registration
The creation of an account constitutes express acceptance of these Terms and all supplemental policies incorporated by reference.
The User represents and warrants that all information provided during registration is accurate, complete, current, and not misleading.
The User further agrees to maintain the accuracy of such information throughout the duration of the contractual relationship.
3.3 Acceptance by Purchase
The purchase of any product, service, membership, subscription, educational program, digital resource, software feature, or other offering made available through the Platform constitutes express acceptance of these Terms.
The User acknowledges that no purchase may be completed without acceptance of the applicable contractual framework governing the Platform.
3.4 Acceptance by Membership
Enrollment in any membership level, subscription plan, educational program, learning path, premium service, community feature, or future offering constitutes acceptance of these Terms and all applicable supplemental policies.
Such acceptance shall remain effective throughout the duration of the User’s participation in the relevant service.
3.5 Acceptance Through Continued Use
Continued access to or use of the Platform following publication of these Terms, amendments to these Terms, or amendments to any incorporated policy shall constitute acceptance of the then current version of the applicable legal framework.
Users who do not agree with any modification must discontinue use of the Platform.
3.6 Electronic Acceptance
The User acknowledges and agrees that acceptance of these Terms may occur electronically.
Electronic acceptance shall have the same legal force and effect as a handwritten signature to the maximum extent permitted by applicable law.
The User further agrees that electronic records maintained by Block2Learn may be used as evidence of acceptance, registration, purchases, subscriptions, account activity, contractual consent, and related interactions with the Platform.
4. Integrated Legal Framework
4.1 Terms of Service as the Master Agreement
These Terms constitute the primary and governing legal agreement of the Block2Learn ecosystem.
These Terms establish the fundamental contractual framework governing the relationship between the User and Block2Learn and shall apply to all access to and use of the Platform.
All products, services, memberships, subscriptions, educational programs, digital products, technologies, tools, applications, content, and future offerings provided by Block2Learn shall be governed by these Terms together with any applicable supplemental policies incorporated herein by reference.
These Terms are intended to function as the central contractual document of the Block2Learn legal framework.
4.2 Incorporation by Reference
Certain products, services, features, activities, transactions, and aspects of Platform use may be governed by additional policies, agreements, disclosures, notices, guidelines, rules, or supplemental terms.
Such documents are hereby incorporated into these Terms by reference and form an integral part of the contractual relationship between the User and Block2Learn.
By accepting these Terms, the User also agrees to be bound by all applicable supplemental documents that govern the relevant products, services, features, or activities accessed by the User.
4.3 Relationship with Supplemental Policies
Supplemental policies are intended to provide additional detail regarding specific areas of the Platform.
These Terms establish the general legal framework, while supplemental policies regulate specific products, services, transactions, rights, obligations, restrictions, procedures, and operational matters.
Supplemental policies shall not be interpreted as replacing these Terms unless expressly stated otherwise.
4.4 Current Legal Documents
Without limitation, the Block2Learn legal framework may include the following documents:
4.4.1 Digital Products Sales Agreement
The Digital Products Sales Agreement governs the purchase, delivery, licensing, access, use, and commercial conditions applicable to digital products made available through the Platform.
4.4.2 Refund and Withdrawal Policy
The Refund and Withdrawal Policy governs refund eligibility, withdrawal rights, cancellation rights, applicable exclusions, procedural requirements, and related matters concerning purchases made through the Platform.
4.4.3 Membership and Subscription Policy
The Membership and Subscription Policy governs membership programs, subscription plans, recurring billing arrangements, access rights, renewals, cancellations, upgrades, downgrades, and related operational matters.
4.4.4 Learning Path Policy
The Learning Path Policy governs participation in educational pathways, learning structures, educational progression systems, dashboards, educational assessments, and related educational services.
4.4.5 Account and Acceptable Use Policy
The Account and Acceptable Use Policy governs account creation, account security, permitted use, prohibited conduct, platform integrity requirements, and user responsibilities.
4.4.6 Financial Disclaimer and Risk Disclosure
The Financial Disclaimer and Risk Disclosure governs educational disclaimers, risk disclosures, limitations relating to financial information, investment related content, market analysis, and related matters.
4.4.7 Intellectual Property Policy
The Intellectual Property Policy governs ownership rights, licensing restrictions, content protection measures, copyright matters, intellectual property enforcement, anti piracy measures, anti scraping measures, artificial intelligence restrictions, and related protections.
4.4.8 Privacy Policy
The Privacy Policy governs the collection, use, storage, processing, protection, and disclosure of personal data and other information relating to Platform users.
4.4.9 Promotions, Discounts and Special Offers
The Promotions, Discounts and Special Offers section governs promotional campaigns, discount programs, coupon codes, referral incentives, loyalty initiatives, introductory offers, seasonal campaigns, limited time offers, bundled promotions and other promotional activities made available by Block2Learn.
The rules, eligibility requirements, redemption conditions, limitations, restrictions, exclusions, validity periods and operational requirements applicable to such promotions shall be published within the Promotions, Discounts and Special Offers section of the Block2Learn Legal Area.
Such promotional rules form an integral part of the Block2Learn legal framework and are incorporated into these Terms by reference.
Participation in, activation of, redemption of, use of, or reliance upon any promotion, discount, coupon code, referral benefit, loyalty benefit, special offer or promotional campaign constitutes acceptance of the applicable promotional rules, which shall be deemed incorporated into these Terms, the Digital Products Sales Agreement and any transaction involving the applicable promotion.
4.5 Future Policies and Supplemental Terms
Block2Learn reserves the right to adopt additional policies, agreements, disclosures, notices, guidelines, rules, and supplemental terms as the Platform evolves.
Such future documents may govern new services, technologies, memberships, subscriptions, educational programs, software tools, applications, community features, certification programs, referral programs, artificial intelligence services, advisory related educational services, partnerships, or any other present or future offering.
Unless expressly stated otherwise, such documents shall automatically form part of the Block2Learn legal framework upon publication.
Promotional campaigns and promotional rules may be added, modified, replaced, suspended, discontinued or updated from time to time without requiring amendment of these Terms, provided that the applicable promotional rules are published within the Block2Learn Legal Area.
4.6 Hierarchy of Documents
These Terms shall serve as the primary governing agreement of the Block2Learn legal framework.
Supplemental policies shall be interpreted consistently with these Terms whenever reasonably possible.
Where a supplemental policy expressly addresses a specific subject matter in greater detail, that supplemental policy shall govern that specific subject matter.
Nothing in a supplemental policy shall be interpreted as invalidating these Terms unless expressly required by law.
4.7 Resolution of Conflicts Between Documents
In the event of any inconsistency, conflict, ambiguity, or discrepancy between these Terms and any supplemental policy, the following order of precedence shall apply:
a) mandatory provisions of applicable law;
b) these Terms;
c) the applicable supplemental policy governing the specific subject matter;
d) any other guidance, documentation, notices, communications, or informational materials.
The User acknowledges and agrees that the Block2Learn legal framework is intended to operate as an integrated contractual system and shall be interpreted in a manner that preserves the maximum validity, enforceability, and effectiveness of all applicable provisions.
5. Nature of the Platform
5.1 Educational Purpose
Block2Learn is an educational platform designed to provide learning resources, educational content, research materials, analytical content, methodologies, frameworks, educational tools, and related services intended to support learning, critical thinking, knowledge development, and decision making.
All content made available through the Platform is provided for educational and informational purposes only.
5.2 Research and Learning Platform
The Platform may publish articles, research reports, educational commentary, market observations, analytical materials, educational frameworks, learning resources, educational dashboards, guides, books, videos, and related content.
Such content is intended to facilitate learning and understanding of various subjects and should not be interpreted as professional advice or recommendations.
5.3 Financial Education Activities
Certain educational content available through the Platform may discuss topics relating to financial markets, economics, investing, digital assets, cryptocurrencies, risk management, decision making, capital allocation, business concepts, macroeconomic developments, market structure, and related subjects.
Such content is educational in nature and is intended to promote understanding of these topics from an educational perspective.
5.4 Digital Products and Services
Block2Learn may offer free and paid products, memberships, subscriptions, educational programs, learning systems, dashboards, software tools, educational frameworks, digital resources, and related services.
The existence of such products and services does not alter the educational nature of the Platform.
5.5 No Regulated Financial Services
Block2Learn is not a bank, broker, dealer, exchange, investment firm, financial institution, asset manager, portfolio manager, wealth manager, custodian, payment institution, financial intermediary, or regulated financial services provider.
Nothing contained within the Platform shall be interpreted as constituting regulated financial services unless expressly stated otherwise and authorized under applicable law.
5.6 No Brokerage Activities
Block2Learn does not facilitate the execution of transactions in securities, financial instruments, cryptocurrencies, commodities, derivatives, or other assets.
The Platform does not act as an intermediary for the purchase, sale, exchange, custody, transfer, or management of assets belonging to users.
5.7 No Investment Advisory Activities
Block2Learn does not provide investment advisory services and does not offer personalized investment recommendations.
No content available through the Platform should be interpreted as advice regarding the purchase, sale, holding, allocation, management, or disposition of any asset, security, cryptocurrency, financial instrument, or investment product.
5.8 No Fiduciary Relationship
Use of the Platform does not create any fiduciary, advisory, agency, partnership, joint venture, employment, trustee, representative, or similar relationship between the User and Block2Learn.
The User remains solely responsible for all decisions, actions, transactions, investments, trading activities, business activities, financial choices, and other conduct undertaken by the User.
6. Eligibility and User Accounts
6.1 Eligibility Requirements
The Platform is intended solely for individuals who possess the legal capacity to enter into binding agreements under applicable law.
By accessing or using the Platform, the User represents and warrants that:
a) the User has the legal capacity to enter into a binding agreement;
b) the User is not prohibited from using the Platform under any applicable law, regulation, sanction, restriction, court order, or governmental requirement;
c) all information provided to Block2Learn is truthful, accurate, complete, and current;
d) the User will comply with these Terms and all applicable supplemental policies.
Block2Learn reserves the right to restrict, suspend, or deny access to any individual or entity that fails to satisfy these eligibility requirements.
6.2 Account Registration
Certain features, products, services, memberships, subscriptions, educational programs, or areas of the Platform may require account registration.
Users are responsible for providing accurate, complete, and current information during registration and for maintaining the accuracy of such information throughout the duration of their relationship with the Platform.
Block2Learn reserves the right to refuse any registration request at its sole discretion.
The creation of an account does not guarantee access to any specific product, service, feature, membership level, subscription plan, or future offering.
6.3 Accuracy of Information
The User agrees to provide information that is accurate, complete, current, and not misleading.
The User shall promptly update any information that becomes inaccurate, incomplete, outdated, or misleading.
Block2Learn shall not be responsible for any consequences arising from inaccurate, incomplete, outdated, or false information supplied by the User.
The User acknowledges that Block2Learn may rely upon information provided by the User when administering the Platform and its services.
6.4 Account Security
Users are solely responsible for maintaining the confidentiality and security of their login credentials, passwords, authentication methods, devices, and account access information.
Users must take reasonable measures to prevent unauthorized access to their accounts.
The User agrees to notify Block2Learn immediately upon becoming aware of any unauthorized access, security breach, compromise, misuse, or suspected unauthorized activity involving the User’s account.
Block2Learn shall not be liable for losses, damages, costs, liabilities, or consequences arising from the User’s failure to maintain account security.
6.5 Personal and Non Transferable Accounts
Unless expressly authorized in writing by Block2Learn, all accounts are personal, individual, revocable, limited, and non transferable.
Accounts may not be:
a) sold;
b) rented;
c) sublicensed;
d) assigned;
e) transferred;
f) shared;
g) distributed to third parties;
h) used by multiple individuals.
The User acquires only a limited right to access the Platform in accordance with these Terms and does not acquire any ownership interest in the account itself.
6.6 Responsibility for Account Activity
The User is solely responsible for all activity occurring through the User’s account, whether authorized or unauthorized.
Any action performed through an account may be treated by Block2Learn as having been performed by the account holder.
The User bears full responsibility for any consequences resulting from the use, misuse, abuse, or unauthorized use of the account.
6.7 Account Verification
Block2Learn reserves the right, at any time and for any reason, to request information, documentation, confirmations, declarations, or verification measures reasonably necessary to:
a) verify identity;
b) verify account ownership;
c) verify compliance with these Terms;
d) investigate suspected abuse;
e) investigate suspected fraud;
f) investigate suspected violations of applicable law;
g) protect the Platform and its users.
Failure to cooperate with reasonable verification requests may result in restricted access, suspension, or termination.
6.8 Account Ownership Limitations
An account constitutes a limited and revocable permission to access portions of the Platform and does not confer ownership of any product, service, content, membership, subscription, educational resource, software tool, technology, intellectual property, or Platform asset.
All rights not expressly granted to the User are reserved by Block2Learn.
The User acknowledges that access to the Platform remains subject to ongoing compliance with these Terms, applicable supplemental policies, payment obligations where applicable, and any other conditions established by Block2Learn.
7. User Obligations
7.1 Compliance with Applicable Laws
The User agrees to comply with all applicable laws, regulations, rules, governmental requirements, judicial orders, and legal obligations relating to the use of the Platform.
The User is solely responsible for ensuring that access to and use of the Platform is lawful within the User’s jurisdiction.
Block2Learn assumes no responsibility for determining whether use of the Platform is lawful in any particular jurisdiction.
7.2 Compliance with Platform Rules
The User agrees to comply with these Terms and all supplemental policies that form part of the Block2Learn legal framework.
The User further agrees to comply with all reasonable operational, security, technical, administrative, and procedural requirements established by Block2Learn from time to time.
7.3 Independent Decision Making
The User acknowledges that all decisions made by the User remain solely the responsibility of the User.
The User agrees not to rely exclusively upon content, educational materials, research, commentary, analysis, frameworks, methodologies, tools, dashboards, educational programs, or other resources made available through the Platform when making personal, financial, investment, business, legal, tax, professional, or other decisions.
The User is solely responsible for evaluating information independently and obtaining appropriate professional advice where necessary.
7.4 Responsibility for Personal Decisions
The User assumes full responsibility for all actions, decisions, transactions, investments, trades, purchases, business activities, educational choices, strategic decisions, and other conduct undertaken by the User.
Block2Learn shall not be responsible for the outcomes, consequences, successes, failures, profits, losses, gains, damages, liabilities, or results arising from decisions made by the User.
7.5 Cooperation with Security Measures
The User agrees to cooperate with reasonable security measures implemented by Block2Learn.
Such cooperation may include compliance with authentication requirements, account verification procedures, security reviews, technical protections, fraud prevention measures, anti abuse measures, intellectual property protection measures, and related safeguards.
The User shall not interfere with, circumvent, disable, undermine, or attempt to bypass any security mechanism implemented by Block2Learn.
7.6 Compliance with Supplemental Policies
The User acknowledges that specific products, services, memberships, subscriptions, transactions, educational programs, or Platform features may be subject to additional policies.
The User agrees to comply with all supplemental policies applicable to the products, services, features, or activities accessed by the User.
Failure to comply with supplemental policies may constitute a violation of these Terms and may result in enforcement measures, suspension, termination, or other actions authorized under the Block2Learn legal framework.
8. Permitted and Prohibited Use
8.1 Authorized Use
Subject to compliance with these Terms and all applicable supplemental policies, Block2Learn grants the User a limited, personal, non exclusive, non transferable, revocable right to access and use the Platform solely for lawful educational and informational purposes.
No rights are granted except those expressly stated in these Terms.
8.2 Misuse of the Platform
Users shall not use the Platform in any manner that may:
a) violate applicable law;
b) interfere with Platform operations;
c) compromise security;
d) infringe intellectual property rights;
e) harm Block2Learn, its users, partners, service providers, or operations;
f) circumvent contractual restrictions;
g) undermine the intended educational purpose of the Platform.
Any use inconsistent with these Terms may constitute misuse of the Platform.
8.3 Fraudulent Conduct
Users shall not engage in fraudulent, deceptive, dishonest, misleading, abusive, manipulative, unlawful, or bad faith conduct in connection with the Platform.
Block2Learn reserves the right to investigate and respond to suspected fraudulent conduct using any lawful means available.
8.4 Circumvention of Restrictions
Users shall not attempt to bypass, disable, evade, manipulate, interfere with, or otherwise circumvent any contractual, technical, operational, commercial, security, payment, licensing, access control, monitoring, or intellectual property protection measures implemented by Block2Learn.
Any attempt to circumvent such measures shall constitute a material breach of these Terms.
8.5 Unauthorized Access
Users shall not attempt to gain unauthorized access to any area, feature, account, system, database, technology, service, infrastructure component, administrative environment, or resource that is not intended for the User.
Unauthorized access attempts may result in immediate enforcement action and may be reported to appropriate authorities where permitted or required by law.
8.6 Unauthorized Commercial Use
Unless expressly authorized in writing by Block2Learn, the Platform and its content may not be used for commercial purposes.
Users may not exploit, monetize, commercialize, resell, license, sublicense, distribute, package, market, promote, or otherwise derive commercial benefit from the Platform or its content except as expressly permitted by Block2Learn.
8.7 Violations of Supplemental Policies
Any conduct prohibited by a supplemental policy forming part of the Block2Learn legal framework shall also constitute a violation of these Terms.
Block2Learn reserves the right to take any action authorized under these Terms or applicable supplemental policies in response to such violations.
9. Educational Purpose and User Responsibility
9.1 Educational Nature of Content
The Platform is designed and operated as an educational resource.
All content, materials, research, articles, guides, books, videos, educational programs, dashboards, methodologies, frameworks, tools, analyses, commentaries, discussions, learning systems, and related resources made available through the Platform are provided exclusively for educational and informational purposes.
The Platform is intended to facilitate learning, research, knowledge development, critical thinking, and independent decision making.
Nothing made available through the Platform should be interpreted as professional advice, personalized guidance, instructions, recommendations, guarantees, promises, or assurances regarding any specific outcome.
9.2 No Professional Advice
The Platform does not provide professional services.
Without limitation, content made available through the Platform does not constitute:
a) financial advice;
b) investment advice;
c) tax advice;
d) legal advice;
e) accounting advice;
f) regulatory advice;
g) compliance advice;
h) brokerage services;
i) portfolio management services;
j) fiduciary services;
k) wealth management services;
l) professional consulting services.
Users should seek advice from appropriately qualified professionals before making decisions that may have financial, legal, tax, regulatory, business, or personal consequences.
The existence of educational content addressing such topics does not transform the Platform into a provider of professional advisory services.
9.3 Independent Verification
Users are solely responsible for independently verifying information obtained through the Platform.
Information, research, educational materials, analyses, commentaries, data, observations, opinions, and educational resources may become outdated, incomplete, inaccurate, superseded, or no longer applicable over time.
The User acknowledges that independent verification is an essential part of responsible decision making.
Block2Learn assumes no obligation to verify information on behalf of Users.
9.4 Personal Responsibility
The User remains solely responsible for all decisions made or actions taken based upon information obtained from the Platform.
Such responsibility includes, without limitation:
a) educational decisions;
b) investment decisions;
c) trading decisions;
d) business decisions;
e) financial decisions;
f) strategic decisions;
g) tax related decisions;
h) legal decisions;
i) professional decisions;
j) personal decisions.
The User acknowledges that responsibility for such decisions cannot be transferred to Block2Learn.
9.5 Assumption of Risk
The User understands and accepts that any decision involving capital, investments, trading, entrepreneurship, business activities, markets, financial instruments, digital assets, or related subjects involves risk.
The User voluntarily assumes all risks associated with accessing, interpreting, applying, relying upon, or acting upon information obtained through the Platform.
Such risks remain solely the responsibility of the User.
9.6 No Guaranteed Outcomes
Block2Learn makes no representation, warranty, promise, guarantee, or assurance regarding any outcome associated with use of the Platform.
Without limitation, Block2Learn does not guarantee:
a) profits;
b) returns;
c) successful investments;
d) successful trades;
e) financial improvement;
f) business success;
g) educational success;
h) skill development;
i) competency development;
j) career advancement;
k) decision making improvement;
l) achievement of personal goals;
m) achievement of professional goals;
n) achievement of financial objectives.
Individual outcomes may vary significantly and depend upon numerous factors beyond the control of Block2Learn.
10. Products, Memberships and Services
10.1 General Access to Products and Services
Block2Learn may provide free and paid products, services, memberships, subscriptions, educational programs, educational resources, digital products, software tools, research materials, community features, and related offerings.
The availability, content, features, scope, functionality, pricing, and conditions applicable to such offerings may vary and may change over time.
Access to any product or service is subject to these Terms and any applicable supplemental policies.
10.2 Digital Products
The Platform may offer digital products including, without limitation, books, guides, educational resources, downloadable materials, software tools, digital content, and similar products.
The specific terms governing digital products are set forth in the Digital Products Sales Agreement and any related policies.
Nothing contained within this Section shall be interpreted as replacing or limiting those supplemental terms.
10.3 Membership Programs
The Platform may offer membership programs providing access to designated content, services, educational resources, features, communities, benefits, or functionality.
Membership structures, eligibility requirements, access rights, restrictions, conditions, and operational rules are governed by the applicable Membership and Subscription Policy.
10.4 Subscription Services
Certain products or services may be offered through subscription based arrangements.
Subscription terms, billing procedures, renewals, cancellations, pricing changes, and related matters are governed by the applicable Membership and Subscription Policy and any related commercial terms.
10.5 Learning Path Services
The Platform may provide educational pathways, structured learning experiences, educational frameworks, progression systems, dashboards, assessments, educational tools, and related services.
Participation in such programs remains subject to these Terms and any applicable Learning Path Policy.
The existence of a learning pathway does not constitute a certification, qualification, license, professional designation, or guarantee of competency unless expressly stated otherwise.
10.6 Educational Tools and Dashboards
Block2Learn may provide educational dashboards, progress tracking systems, analytical tools, educational frameworks, calculators, scoring systems, learning interfaces, and related resources.
Such tools are provided for educational and informational purposes only.
Users remain solely responsible for how information generated or displayed by such tools is interpreted and used.
10.7 Future Services
Block2Learn reserves the right to develop, acquire, introduce, modify, discontinue, replace, expand, or otherwise offer additional products, services, technologies, software tools, applications, educational programs, artificial intelligence features, communities, referral systems, certification programs, partnerships, or other offerings.
Unless expressly stated otherwise, all such future offerings shall automatically be governed by these Terms and any applicable supplemental policies.
10.8 Reference to Supplemental Policies
Specific rights, obligations, restrictions, commercial terms, licensing provisions, payment conditions, refund rules, access conditions, operational procedures, and other matters relating to products and services may be governed by supplemental policies.
Users are responsible for reviewing and complying with all supplemental policies applicable to the products, services, memberships, subscriptions, or features they access or use.
11. Payments and Commercial Terms
11.1 General Payment Principles
Certain products, services, memberships, subscriptions, educational programs, digital products, software tools, or Platform features may require payment.
All pricing, fees, charges, payment obligations, billing arrangements, taxes, and related commercial terms shall be disclosed through the Platform or through applicable supplemental policies.
The User agrees to pay all applicable amounts associated with products or services purchased through the Platform.
11.2 Third Party Payment Providers
Payments may be processed through third party payment processors, financial institutions, payment gateways, or other service providers.
Block2Learn does not control and is not responsible for the operation, availability, security, performance, or decisions of third party payment providers.
The use of such providers may be subject to additional agreements, policies, and terms established by those providers.
11.3 Refunds and Withdrawal Rights
Refund eligibility, withdrawal rights, cancellation rights, exclusions, procedures, requirements, and limitations are governed by the Refund and Withdrawal Policy and any applicable supplemental agreements.
Nothing contained within these Terms shall be interpreted as creating refund rights beyond those expressly provided by applicable law or by the applicable refund policy.
11.4 Chargebacks and Payment Disputes
Users agree to act in good faith when raising payment related concerns.
Chargebacks, payment disputes, unauthorized payment claims, billing disputes, and related matters are governed by the applicable supplemental policies forming part of the Block2Learn legal framework.
Block2Learn reserves all rights available under applicable law and contractual agreements in connection with payment disputes and chargeback related matters.
11.5 Reference to Supplemental Policies
Commercial terms applicable to specific products, services, memberships, subscriptions, educational programs, digital products, and future offerings may be governed by supplemental agreements.
Such supplemental agreements form part of the Block2Learn legal framework and should be reviewed in conjunction with these Terms.
12. Intellectual Property
12.1 Ownership of Platform Assets
The Platform and all content, materials, technologies, systems, methodologies, educational resources, features, functionality, and assets made available through the Platform are owned by Block2Learn, its licensors, or its authorized rights holders and are protected by applicable intellectual property laws.
Except as expressly provided in these Terms or in a separate written agreement, no ownership rights are transferred to the User.
All rights not expressly granted are reserved.
12.2 Protection of Content
The Platform may contain educational content, articles, research materials, guides, books, videos, audio materials, graphics, visual assets, educational resources, databases, compilations, educational structures, learning systems, software components, dashboards, interfaces, and related content.
Such content is protected by copyright, trademark, database, trade secret, intellectual property, and other applicable laws.
Users may access such content solely within the scope of the limited rights granted under these Terms and applicable supplemental policies.
12.3 Protection of Educational Systems
Block2Learn may develop and maintain proprietary educational systems, educational structures, learning architectures, progression systems, educational frameworks, learning pathways, educational methodologies, educational scoring systems, educational models, educational dashboards, and related educational resources.
Such systems constitute valuable proprietary assets of Block2Learn and are protected to the maximum extent permitted by applicable law.
Access to such systems does not transfer ownership or grant rights beyond those expressly authorized.
12.4 Protection of Methodologies
The Platform may include proprietary methodologies, decision making frameworks, analytical models, educational processes, educational approaches, organizational systems, educational structures, research methodologies, and related intellectual assets.
Users acknowledge that such methodologies may constitute proprietary intellectual property regardless of whether individual elements are publicly known.
Unauthorized reproduction, replication, commercial exploitation, redistribution, or imitation of such methodologies may violate the rights of Block2Learn.
12.5 Protection of Branding
The Block2Learn name, logos, trademarks, service marks, visual identity, trade dress, branding elements, domain names, slogans, graphic assets, educational branding, and associated identifiers are protected intellectual property.
Nothing contained within these Terms grants any license, authorization, permission, or right to use such branding except as expressly authorized in writing by Block2Learn.
Unauthorized use may result in enforcement action.
12.6 Reference to Intellectual Property Policy
Additional rules, restrictions, limitations, protections, enforcement measures, licensing provisions, anti piracy provisions, anti scraping provisions, artificial intelligence restrictions, content extraction restrictions, and intellectual property related requirements are governed by the Intellectual Property Policy.
The Intellectual Property Policy forms an integral part of the Block2Learn legal framework and should be read together with these Terms.
13. Monitoring, Enforcement and Platform Protection
13.1 Monitoring Rights
To protect the Platform, its users, intellectual property, systems, infrastructure, services, and legitimate business interests, Block2Learn reserves the right to monitor use of the Platform to the extent permitted by applicable law.
Such monitoring may include technical, operational, security, compliance, fraud prevention, intellectual property protection, and account integrity purposes.
Nothing in these Terms shall be interpreted as creating an obligation to actively monitor all activity occurring on the Platform.
13.2 Investigation Rights
Block2Learn reserves the right to investigate suspected violations of these Terms, supplemental policies, applicable law, intellectual property rights, payment obligations, security requirements, or other legitimate interests.
Users agree to cooperate with reasonable investigations relating to suspected misuse, abuse, fraud, security incidents, intellectual property violations, account misuse, or contractual breaches.
Failure to cooperate may result in enforcement action.
13.3 Enforcement Measures
Where Block2Learn reasonably believes that a violation has occurred, it may take any action it considers appropriate to protect the Platform, its users, its rights, and its legitimate interests.
Such measures may include warnings, restrictions, content removal, access limitations, account suspension, account termination, legal action, reporting to service providers, reporting to payment processors, reporting to authorities where permitted or required by law, and other lawful remedies.
The availability of one enforcement measure shall not limit the availability of any other remedy.
13.4 Protection of Intellectual Property
Block2Learn reserves the right to take any lawful action necessary to protect its intellectual property, proprietary systems, educational frameworks, methodologies, content, technologies, branding, commercial interests, and other protected assets.
Such actions may include monitoring, investigation, contractual enforcement, technical protections, access restrictions, legal proceedings, and claims for damages or injunctive relief.
13.5 Protection Against Abuse
Block2Learn reserves the right to protect the Platform against fraud, abuse, misuse, unauthorized access, intellectual property violations, account sharing, payment abuse, security threats, technical attacks, data extraction, automated activity, and other conduct that may negatively affect the Platform or its users.
The User acknowledges that protective measures may be implemented without prior notice where reasonably necessary.
13.6 Cooperation with Authorities
Where required or permitted by applicable law, Block2Learn may cooperate with courts, regulators, governmental authorities, law enforcement agencies, payment providers, service providers, intellectual property rights holders, and other authorized entities.
Nothing in these Terms shall limit the right of Block2Learn to comply with legal obligations, lawful requests, judicial orders, regulatory requirements, or enforcement actions.
14. Suspension and Termination
14.1 Suspension Rights
Block2Learn reserves the right to suspend access to all or part of the Platform at any time where it reasonably determines that suspension is necessary to protect the Platform, users, systems, intellectual property, legal interests, security, operations, or compliance obligations.
Suspension may be temporary or indefinite depending upon the circumstances.
14.2 Termination Rights
Block2Learn reserves the right to terminate accounts, memberships, subscriptions, access rights, licenses, permissions, or Platform access at its sole discretion to the maximum extent permitted by applicable law.
Termination may occur with or without prior notice where reasonably justified by the circumstances.
Nothing in these Terms shall be interpreted as guaranteeing continued access to the Platform.
14.3 Immediate Enforcement Actions
Without limitation, Block2Learn may immediately suspend or terminate access where it reasonably believes that a User has:
a) violated these Terms;
b) violated a supplemental policy;
c) engaged in fraudulent conduct;
d) engaged in abusive conduct;
e) engaged in unauthorized commercial activity;
f) violated intellectual property rights;
g) compromised Platform security;
h) attempted unauthorized access;
i) engaged in account sharing;
j) engaged in payment abuse;
k) engaged in conduct that may expose Block2Learn to legal, operational, financial, reputational, or security risks.
14.4 Consequences of Suspension
During a period of suspension, Block2Learn may restrict access to accounts, content, services, memberships, subscriptions, products, educational resources, dashboards, communities, software tools, and other Platform features.
Suspension shall not limit any rights, remedies, claims, or enforcement measures available to Block2Learn.
14.5 Consequences of Termination
Upon termination, all rights granted to the User under these Terms shall immediately cease unless otherwise required by applicable law.
Termination may result in loss of access to content, memberships, subscriptions, educational programs, dashboards, software tools, communities, and other Platform resources.
Termination shall not affect rights, obligations, liabilities, remedies, protections, disclaimers, limitations of liability, indemnities, intellectual property rights, payment obligations, dispute resolution provisions, or other provisions intended to survive termination.
15. Third Party Services and Service Availability
15.1 Third Party Providers
The Platform may rely upon third party providers for payment processing, hosting, communications, analytics, content delivery, security services, software integrations, infrastructure, educational tools, artificial intelligence functionality, and related services.
Block2Learn does not control and is not responsible for the acts, omissions, services, systems, policies, security, availability, or performance of third party providers.
Use of third party services may be subject to additional terms imposed by those providers.
15.2 External Links
The Platform may contain links to third party websites, resources, applications, products, services, content, or external materials.
Such links are provided solely for convenience and informational purposes.
Block2Learn does not control, endorse, approve, monitor, guarantee, or assume responsibility for any third party website, product, service, content, or resource.
Users access external resources at their own risk.
15.3 Service Availability
Block2Learn does not guarantee that the Platform will be continuously available, uninterrupted, error free, secure, current, accurate, or free from defects.
The Platform may experience interruptions, delays, maintenance periods, technical issues, security incidents, third party failures, infrastructure disruptions, software errors, or other events affecting availability.
Users acknowledge that occasional interruptions are an inherent aspect of online services.
15.4 Service Interruptions
Block2Learn shall not be liable for interruptions, delays, downtime, service degradation, loss of availability, loss of functionality, loss of access, loss of data, technical failures, or related consequences arising from circumstances beyond its reasonable control.
Nothing in these Terms shall be interpreted as guaranteeing uninterrupted operation of the Platform.
15.5 Platform Modifications
Block2Learn reserves the right to modify, update, replace, redesign, reorganize, discontinue, remove, expand, consolidate, improve, or otherwise alter any aspect of the Platform at any time.
Such changes may affect products, services, memberships, subscriptions, content, educational resources, features, technologies, interfaces, pricing structures, educational systems, dashboards, software tools, or other Platform elements.
15.6 Future Development of the Platform
The User acknowledges that the Platform is expected to evolve over time.
Block2Learn reserves the right to develop new products, services, technologies, educational systems, software tools, artificial intelligence features, applications, communities, partnerships, certification programs, referral programs, and future offerings.
Unless expressly stated otherwise, such future developments shall remain subject to these Terms and the applicable supplemental policies forming part of the Block2Learn legal framework.
16. Privacy and Communications
16.1 Privacy Framework
Block2Learn is committed to handling personal data in accordance with applicable privacy and data protection laws.
The collection, use, storage, disclosure, processing, retention, and protection of personal information are governed by the Privacy Policy, which forms an integral part of the Block2Learn legal framework.
By accessing or using the Platform, the User acknowledges that personal information may be processed in accordance with the Privacy Policy.
Nothing contained in these Terms shall replace or modify the Privacy Policy unless expressly stated.
16.2 User Communications
By creating an account, accessing the Platform, purchasing products, enrolling in memberships, subscribing to services, or otherwise interacting with Block2Learn, the User agrees that Block2Learn may communicate with the User through electronic means.
Such communications may include:
a) account related communications;
b) service notifications;
c) security notices;
d) transactional communications;
e) administrative communications;
f) legal notices;
g) educational communications;
h) membership related communications;
i) subscription related communications;
j) customer support communications.
The User acknowledges that such communications may be necessary for the operation of the Platform.
16.3 Electronic Notices
The User agrees that notices, disclosures, agreements, records, confirmations, updates, and other communications may be provided electronically.
Electronic communications shall satisfy any legal requirement that such communications be provided in writing to the maximum extent permitted by applicable law.
Block2Learn may deliver notices through:
a) email;
b) account notifications;
c) Platform announcements;
d) website notices;
e) other electronic communication methods reasonably selected by Block2Learn.
16.4 Marketing Communications
Where permitted by applicable law, Block2Learn may send marketing, educational, promotional, informational, product related, research related, membership related, subscription related, or commercial communications.
Users may manage marketing communication preferences in accordance with applicable law and the procedures made available by Block2Learn.
The withdrawal of consent to receive marketing communications shall not affect communications necessary for the operation, administration, security, legal compliance, or management of the Platform.
16.5 Reference to Privacy Policy
Additional provisions relating to privacy, cookies, tracking technologies, analytics, data processing, user rights, legal bases for processing, international transfers, security measures, and related matters are governed by the Privacy Policy.
The Privacy Policy forms part of the Block2Learn legal framework and should be read together with these Terms.
17. Disclaimers
17.1 Educational Disclaimer
The Platform is provided as an educational and informational resource.
All content, materials, research, analyses, methodologies, frameworks, dashboards, educational programs, learning resources, tools, publications, and related information are intended solely for educational and informational purposes.
No content available through the Platform should be interpreted as professional advice, personalized guidance, recommendations, instructions, guarantees, or assurances of any kind.
Users remain solely responsible for evaluating and applying information obtained through the Platform.
17.2 Financial Disclaimer
Block2Learn is not a financial advisor, investment advisor, broker, dealer, portfolio manager, asset manager, wealth manager, fiduciary, or provider of regulated financial services.
Nothing contained within the Platform constitutes financial advice, investment advice, investment recommendations, trading recommendations, financial planning services, portfolio management services, or any other regulated financial activity.
Users remain solely responsible for all financial, investment, trading, capital allocation, and related decisions.
17.3 Research Disclaimer
Research, market commentary, educational analysis, observations, forecasts, opinions, interpretations, and educational materials provided through the Platform are offered solely for educational purposes.
Such content may be based on publicly available information, third party sources, assumptions, opinions, historical observations, or analytical methodologies.
Block2Learn does not guarantee the accuracy, completeness, reliability, timeliness, suitability, or future relevance of any research related content.
Users remain solely responsible for independently verifying information before relying upon it.
17.4 Technology Disclaimer
The Platform, its technologies, software tools, educational systems, dashboards, applications, artificial intelligence features, and related services are provided on an “as available” basis.
Block2Learn does not warrant that the Platform will operate without interruption, error, delay, defect, security vulnerability, incompatibility, or technical limitation.
Technology related risks are assumed by the User.
17.5 Availability Disclaimer
Block2Learn makes no guarantee regarding the continued availability of any content, service, membership, subscription, feature, product, educational resource, software tool, dashboard, technology, or future offering.
The Platform may be modified, suspended, restricted, replaced, discontinued, or removed at any time.
Nothing contained within the Platform shall be interpreted as creating a guarantee of permanent availability.
17.6 No Warranties
To the maximum extent permitted by applicable law, the Platform and all content, products, services, technologies, educational resources, memberships, subscriptions, software tools, and related offerings are provided “as is” and “as available.”
Block2Learn expressly disclaims all warranties, representations, guarantees, conditions, and assurances, whether express, implied, statutory, or otherwise.
Without limitation, Block2Learn disclaims any warranty relating to:
a) accuracy;
b) completeness;
c) reliability;
d) availability;
e) fitness for a particular purpose;
f) merchantability;
g) non infringement;
h) performance;
i) educational outcomes;
j) financial outcomes;
k) investment outcomes;
l) business outcomes;
m) user satisfaction;
n) uninterrupted operation.
18. Limitation of Liability
18.1 Limitation of Liability
To the maximum extent permitted by applicable law, Block2Learn and its operators, affiliates, successors, licensors, service providers, contractors, representatives, and related parties shall not be liable for any loss, damage, liability, claim, expense, cost, or consequence arising from or relating to:
a) access to or use of the Platform;
b) inability to access or use the Platform;
c) reliance upon content or information;
d) educational materials;
e) research materials;
f) software tools;
g) dashboards;
h) memberships;
i) subscriptions;
j) digital products;
k) future services;
l) third party services.
The User acknowledges that use of the Platform occurs entirely at the User’s own risk.
18.2 Excluded Damages
To the maximum extent permitted by applicable law, Block2Learn shall not be liable for any:
a) indirect damages;
b) incidental damages;
c) consequential damages;
d) special damages;
e) exemplary damages;
f) punitive damages;
g) loss of profits;
h) loss of revenue;
i) loss of opportunity;
j) loss of business;
k) business interruption;
l) loss of data;
m) reputational harm;
n) emotional distress;
o) investment losses;
p) trading losses;
q) financial losses.
This exclusion applies regardless of the legal theory upon which a claim is based.
18.3 User Assumption of Risk
The User expressly acknowledges and agrees that all decisions made using information obtained through the Platform are made voluntarily and at the User’s sole risk.
The User assumes full responsibility for all consequences arising from the use, interpretation, reliance upon, or application of information obtained through the Platform.
The User further acknowledges that markets, investments, business activities, digital assets, and educational activities inherently involve uncertainty and risk.
18.4 Maximum Protection Permitted by Law
Nothing contained within these Terms shall exclude or limit liability where such exclusion or limitation is prohibited by applicable law.
Where applicable law does not permit the exclusion of certain liabilities, such liabilities shall be limited to the maximum extent permitted by law.
The provisions of this Section shall be interpreted broadly in favor of preserving the maximum limitation of liability permitted under applicable law.
19. Indemnification
19.1 User Indemnification Obligations
To the maximum extent permitted by applicable law, the User agrees to defend, indemnify, and hold harmless Block2Learn, its operator, affiliates, successors, assignees, licensors, service providers, contractors, representatives, employees, and related parties from and against any claims, demands, actions, proceedings, liabilities, damages, judgments, settlements, penalties, losses, costs, and expenses arising out of or relating to:
a) the User’s use of the Platform;
b) the User’s violation of these Terms;
c) the User’s violation of any supplemental policy;
d) the User’s violation of applicable law;
e) the User’s misuse of the Platform;
f) the User’s infringement of intellectual property rights;
g) the User’s content or activities;
h) the User’s interactions with third parties.
This obligation shall survive termination of the contractual relationship.
19.2 Third Party Claims
The User agrees to indemnify and hold harmless Block2Learn against claims brought by third parties arising directly or indirectly from:
a) the User’s conduct;
b) the User’s misuse of the Platform;
c) the User’s unauthorized use of content;
d) the User’s unauthorized commercial activities;
e) the User’s breach of contractual obligations;
f) the User’s violation of legal rights belonging to third parties.
Block2Learn reserves the right to assume the exclusive defense and control of any matter subject to indemnification by the User.
19.3 Costs and Legal Expenses
The User agrees to reimburse Block2Learn for reasonable legal fees, professional fees, expert costs, investigation costs, enforcement expenses, court costs, administrative expenses, collection costs, and other expenses incurred in connection with claims covered by this Section.
Such reimbursement obligations shall apply to the maximum extent permitted by applicable law.
20. Force Majeure
20.1 Events Beyond Reasonable Control
Block2Learn shall not be liable for any delay, interruption, failure, degradation, suspension, inability to perform, or other consequence arising from events beyond its reasonable control.
Such events may include, without limitation:
a) natural disasters;
b) acts of God;
c) war;
d) terrorism;
e) civil unrest;
f) labor disputes;
g) governmental actions;
h) regulatory changes;
i) sanctions;
j) internet failures;
k) telecommunications failures;
l) cyberattacks;
m) security incidents;
n) software failures;
o) infrastructure failures;
p) utility disruptions;
q) hosting provider failures;
r) third party service interruptions;
s) pandemics;
t) public emergencies.
20.2 Effect on Performance
Where a force majeure event occurs, Block2Learn may suspend, delay, modify, restrict, or discontinue performance of affected obligations for the duration of the event and for a reasonable recovery period thereafter.
The occurrence of a force majeure event shall not constitute a breach of these Terms.
20.3 No Liability for Force Majeure Events
To the maximum extent permitted by applicable law, Block2Learn shall not be liable for losses, damages, costs, liabilities, delays, interruptions, or other consequences resulting from force majeure events.
Users acknowledge that certain circumstances may affect the operation and availability of online platforms in ways that are beyond the reasonable control of Block2Learn.
21. Modifications to the Legal Framework
21.1 Amendments to the Terms
Block2Learn reserves the right to amend, modify, update, replace, supplement, or revise these Terms at any time.
Such modifications may be made to reflect:
a) legal developments;
b) regulatory requirements;
c) technological developments;
d) operational changes;
e) business developments;
f) new products or services;
g) security requirements;
h) improvements to the Platform.
Updated versions shall become effective upon publication unless otherwise specified.
21.2 Amendments to Supplemental Policies
Block2Learn reserves the right to amend, modify, update, replace, supplement, or revise any supplemental policy forming part of the Block2Learn legal framework.
Supplemental policies may evolve independently from these Terms where necessary to govern specific products, services, technologies, memberships, subscriptions, or operational matters.
21.3 Notice of Material Changes
Where required by applicable law or where reasonably appropriate, Block2Learn may provide notice of material changes through the Platform, email communications, account notifications, or other reasonable methods.
The method and timing of notice shall be determined by Block2Learn in accordance with applicable legal requirements.
21.4 Continued Use as Acceptance
Continued access to or use of the Platform following the effective date of modifications constitutes acceptance of the revised legal framework.
Users who do not agree with revised terms must discontinue use of the Platform.
22. Assignment and Corporate Transition
22.1 Transfer of Operations
Block2Learn reserves the right to transfer, assign, delegate, license, novate, sell, restructure, merge, incorporate, reorganize, or otherwise transfer all or part of its operations at any time.
Such transfers may occur without affecting the validity or enforceability of these Terms.
22.2 Corporate Reorganization
The User acknowledges that Block2Learn may evolve from its current structure into one or more companies, corporate groups, affiliated entities, subsidiaries, holding structures, successor entities, or other lawful business arrangements.
The User agrees that such organizational changes shall not require the creation of a new contractual relationship unless expressly required by applicable law.
22.3 Future Companies and Affiliates
Any future company, affiliate, subsidiary, parent entity, successor organization, purchaser, assignee, or authorized operator that acquires, controls, manages, or operates the Platform may assume the rights, protections, obligations, and benefits established under these Terms.
22.4 Assignment of Rights and Obligations
To the maximum extent permitted by applicable law, Block2Learn may assign or transfer its contractual rights and obligations under these Terms without obtaining additional consent from the User.
The User may not assign, transfer, delegate, sublicense, sell, or otherwise dispose of rights arising under these Terms without prior written authorization from Block2Learn.
22.5 Successor Entities
The User expressly agrees that any successor entity operating Block2Learn shall automatically benefit from all contractual protections, disclaimers, limitations of liability, intellectual property protections, enforcement rights, remedies, and legal provisions established under these Terms.
Continued use of the Platform following such transition shall constitute acceptance of the successor entity as the lawful operator of Block2Learn.
23. Governing Law and Jurisdiction
23.1 Governing Law
These Terms, the Block2Learn legal framework, and any dispute, controversy, claim, action, proceeding, or matter arising out of or relating to the Platform shall be governed by and construed in accordance with the laws of Italy, without regard to conflict of law principles.
The User expressly agrees that Italian law shall govern the interpretation, validity, enforceability, performance, and application of these Terms.
23.2 Official Language
The official and legally binding language of these Terms and the entire Block2Learn legal framework is English.
Any translation into another language is provided solely for convenience and informational purposes.
In the event of any inconsistency, discrepancy, ambiguity, omission, interpretation issue, translation error, machine translation error, software translation error, browser translation error, artificial intelligence translation error, or conflict between versions, the English version shall prevail and control.
23.3 Exclusive Jurisdiction
To the maximum extent permitted by applicable law, any dispute, claim, controversy, action, proceeding, or legal matter arising out of or relating to:
a) the Platform;
b) account registration;
c) memberships;
d) subscriptions;
e) purchases;
f) digital products;
g) educational services;
h) intellectual property;
i) refunds;
j) payment disputes;
k) chargebacks;
l) use of the Platform;
shall be subject to the exclusive jurisdiction set forth in this Section.
23.4 Court of Rome, Italy
To the maximum extent permitted by applicable law, the courts located in Rome, Italy shall have exclusive jurisdiction over all disputes arising from or relating to these Terms or the Block2Learn legal framework.
The User expressly waives any objection based upon jurisdiction, venue, forum convenience, or similar grounds and agrees not to commence proceedings in any jurisdiction other than Rome, Italy except where applicable law expressly prohibits such limitation.
24. Miscellaneous Provisions
24.1 Severability
If any provision of these Terms is determined by a court or competent authority to be invalid, unlawful, unenforceable, or ineffective, that provision shall be interpreted, modified, or limited to the minimum extent necessary to preserve its validity where possible.
The remaining provisions shall remain in full force and effect.
24.2 No Waiver
The failure of Block2Learn to exercise or enforce any right, remedy, provision, or protection contained within these Terms shall not constitute a waiver of that right, remedy, provision, or protection.
Any waiver must be expressly made in writing.
A waiver relating to a specific circumstance shall not constitute a continuing or general waiver.
24.3 Entire Agreement
These Terms, together with all supplemental policies incorporated by reference, constitute the entire agreement between the User and Block2Learn concerning access to and use of the Platform.
This legal framework supersedes prior understandings, communications, representations, discussions, proposals, and agreements relating to the same subject matter.
24.4 Survival of Provisions
Any provision that by its nature should survive suspension, termination, expiration, or cessation of the relationship between the User and Block2Learn shall survive and remain enforceable.
Such provisions include, without limitation, intellectual property protections, disclaimers, limitations of liability, indemnification obligations, payment obligations, dispute resolution provisions, enforcement rights, and related protections.
24.5 Interpretation of the Agreement
Headings and section titles are included for convenience only and shall not affect interpretation.
These Terms shall be interpreted in a manner that preserves their validity, enforceability, effectiveness, and protective purpose to the maximum extent permitted by applicable law.
25. Contact Information
25.1 Legal Notices
Any legal notice, formal communication, complaint, claim, request, or correspondence relating to these Terms or the Block2Learn legal framework must be submitted through the contact channels designated by Block2Learn.
Users are responsible for ensuring that communications contain sufficient information to allow proper identification and review of the matter.
Block2Learn reserves the right to request additional information where reasonably necessary to process a request, complaint, or legal communication.
25.2 Contact Details
Official contact information for legal, administrative, support, compliance, and business related communications shall be made available through the Platform.
Block2Learn reserves the right to update contact details from time to time.
Users are responsible for consulting the most current contact information published on the Platform.
25.3 Requests and Complaints
Users may submit requests, concerns, complaints, or inquiries relating to the Platform through the designated communication channels.
Block2Learn will review communications in good faith but does not guarantee any specific response time, resolution timeframe, or outcome.
The submission of a complaint or request does not limit any rights, protections, defenses, remedies, or contractual provisions available to Block2Learn.
26. Final Acknowledgement
26.1 User Confirmation
By accessing, registering for, purchasing from, subscribing to, participating in, or otherwise using the Platform, the User acknowledges and confirms that the User has read, understood, and agreed to be bound by these Terms.
The User further acknowledges that acceptance of these Terms constitutes a legally binding agreement.
26.2 Acceptance of the Legal Framework
The User acknowledges that these Terms form the primary legal agreement governing access to and use of the Block2Learn ecosystem.
The User further acknowledges that these Terms are intended to operate as the master agreement governing the relationship between the User and Block2Learn.
26.3 Acceptance of Supplemental Policies
The User acknowledges and agrees that supplemental policies incorporated by reference form an integral part of the Block2Learn legal framework.
By accepting these Terms, the User also agrees to be bound by all supplemental policies applicable to the products, services, memberships, subscriptions, educational programs, technologies, features, or activities accessed by the User.
The User is responsible for reviewing applicable supplemental policies and remaining informed regarding updates to the legal framework.
26.4 Binding Effect of the Agreement
The User acknowledges and agrees that use of the Platform constitutes acceptance of the entire Block2Learn legal framework.
The User further acknowledges and agrees that:
a) the Platform is educational in nature;
b) Block2Learn does not provide regulated financial services;
c) Block2Learn does not provide investment advice;
d) Block2Learn does not provide financial advice;
e) Block2Learn does not provide legal advice;
f) Block2Learn does not provide tax advice;
g) the User remains solely responsible for all decisions and actions;
h) use of the Platform involves risks;
i) no profits, returns, outcomes, results, or success are guaranteed;
j) intellectual property rights belonging to Block2Learn must be respected;
k) the Block2Learn legal framework is governed by Italian law;
l) the English version of the legal framework is controlling;
m) disputes shall be resolved in accordance with the jurisdiction provisions contained in these Terms.
By continuing to access or use the Platform, the User confirms acceptance of these Terms and the entire Block2Learn legal framework.
