Terms, Privacy & Refund Policy

1. Platform Terms & Conditions Welcome to Hub Academy. These Platform Terms & Conditions (the “Terms”) govern your access to and use of the Hub Academy online learning platform, including our websites, mobile applications, course content, and related services. Please read these Terms carefully before creating an account or making a purchase. By accessing or using the Platform, you agree to be bound by these Terms. 1. Introduction and Acceptance 1.1 These Terms constitute a legally binding agreement between you (“you”, “your”, or the “User”) and Hub Academy, a company registered in the Province of Ontario, Canada (“Hub Academy”, “we”, “us”, or “our”). 1.2 By creating an account, purchasing a Course or Subscription, or otherwise accessing or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms, together with the Related Policies described in Section 1.4. If you do not agree to these Terms, you must not access or use the Platform. 1.3 If you are using the Platform on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms, and references to “you” include that organization. 1.4 These Terms incorporate by reference the following documents (collectively, the “Related Policies”), each of which forms part of this agreement: Privacy Policy — describes how we collect, use, and protect your personal information; Cookie Policy — describes our use of cookies and similar technologies; Academic Integrity Policy — sets out standards of honest conduct in coursework and assessments; Intellectual Property Policy — describes ownership of content and procedures for intellectual property complaints; Personal Account Terms — governs the creation, maintenance, and security of your personal account; and Refund and Cancellation Policy — governs eligibility for and the process of obtaining refunds. 1.5 In the event of a conflict between these Terms and any Related Policy, these Terms will prevail except where the Related Policy expressly states otherwise. 2. Definitions 2.1 In these Terms, unless the context requires otherwise: “Account” means the personal user account you register to access the Platform, as further described in the Personal Account Terms. “Content” means all materials made available on or through the Platform, including without limitation courses, video lectures, audio recordings, text, readings, quizzes, assignments, examinations, downloadable resources, software, graphics, logos, and user interfaces. “Course” means an individual educational course or program offered on the Platform. “Platform” means the Hub Academy websites, mobile applications, and any other online services operated by Hub Academy. “Purchase” means a one-time purchase of access to a Course. “Subscription” means a recurring paid plan (monthly or annual) that provides access to some or all Courses for the duration of the subscription period. “User Content” means any content you submit, post, or upload to the Platform, including assignment responses, discussion posts, and feedback. 3. Eligibility 3.1 The Platform is intended for adults. You must be at least eighteen (18) years of age, or the age of majority in your jurisdiction of residence if higher, to create an Account, make a Purchase, or subscribe to the Platform. 3.2 By using the Platform, you represent and warrant that: (a) you are at least 18 years old; (b) you have the legal capacity to enter into a binding contract; (c) you are not barred from using the Platform under the laws of Ontario, Canada, or your jurisdiction of residence; and (d) all information you provide to us is accurate, current, and complete. 3.3 The Platform is offered worldwide; however, we make no representation that the Platform or its Content is appropriate or available for use in every jurisdiction. Access from territories where the Content is illegal is prohibited. You are responsible for compliance with local laws. 3.4 We reserve the right to refuse service, suspend, or terminate any Account where we reasonably believe the eligibility requirements in this Section 3 are not met. 4. Account Registration 4.1 To access most features of the Platform, you must register for a personal Account. Your registration, use, and security obligations in respect of your Account are governed by our Personal Account Terms, which are incorporated into these Terms by reference. 4.2 You agree to: (a) provide accurate, current, and complete registration information and keep it up to date; (b) maintain the confidentiality of your login credentials; (c) not share your Account or credentials with any other person; and (d) notify us promptly at academy@hubacademy.ai of any unauthorized use of your Account or any other breach of security. 4.3 You are responsible for all activity that occurs under your Account, whether or not authorized by you. We are not liable for any loss or damage arising from your failure to safeguard your credentials. 4.4 Accounts are personal and non-transferable. You may not sell, lend, assign, or otherwise transfer your Account or any access rights to any third party. 5. Description of Services 5.1 Hub Academy operates an online learning platform through which registered Users may access self-paced and scheduled Courses, assessments, learning resources, and related features. All Courses are developed, produced, and delivered by Hub Academy; we do not host courses from third-party instructors or institutions. 5.2 Modifications and temporary suspensions. We may add, modify, update, suspend, or interrupt the Platform or any Course, feature, or Content, in whole or in part, at any time for maintenance, security, legal, or operational reasons, with or without notice. We do not guarantee that any particular Course will remain available for any minimum period. We are not liable for any such temporary modification or suspension, except as required by applicable law. 5.3 Permanent discontinuation of a Course. If we permanently discontinue a Course for which you hold a current paid Purchase or an active Subscription, we will provide you with a pro-rated refund of the Purchase price for the unused portion of your access (for Subscriptions, the unused remainder of your current billing period; for one-time Purchases, a reasonable pro-rated portion based on the expected access period). We may, in addition and at our sole discretion, offer you reasonable continued access for the remainder of your paid access period or downloadable versions of Course materials, where technically and legally feasible. 5.4 Permanent discontinuation of the Platform. If we decide to permanently discontinue the Platform, we will make commercially reasonable efforts to give you at least thirty (30) days’ advance notice by email or through the Platform. In that event: (a) we will provide the pro-rated refunds described in Section 5.3 for all current paid Purchases and active Subscriptions; (b) certificates issued before the discontinuation date remain valid; and (c) you are responsible for downloading your certificates, transcripts, and any personal content before the discontinuation date stated in the notice. 5.5 Statutory rights. Nothing in Sections 5.2 to 5.4 limits any non-waivable rights you have under applicable consumer protection legislation, including the Consumer Protection Act, 2002 (Ontario). 5.6 We may offer certain Content or features free of charge on a trial or promotional basis. Free access may be modified or withdrawn at any time and is provided “as is” without any warranty. 5.7 Course completion certificates, where offered, attest only to completion of Hub Academy coursework and are not academic degrees, diplomas, or accredited credentials unless expressly stated in writing for the specific Course (see Section 12). 6. Course Access and License 6.1 All Content on the Platform is owned by Hub Academy (or its licensors) and is protected by Canadian and international copyright, trademark, and other intellectual property laws. 6.2 Subject to your compliance with these Terms and payment of applicable fees, Hub Academy grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and view the Content included in your Purchase or Subscription solely for your personal, non-commercial educational use. 6.3 Unless expressly permitted in writing by Hub Academy, you must not: copy, reproduce, download (except where a download feature is expressly provided), record, redistribute, republish, transmit, sell, rent, lease, license, or publicly display or perform any Content; share your access to any Course with any other person, including family members, colleagues, or classmates; use any Content to develop, train, or improve any competing product, service, or machine-learning or artificial-intelligence model; circumvent, disable, or interfere with any access controls, digital rights management, or security features of the Platform; remove or alter any copyright, trademark, or proprietary notices on the Content; or use Content for any commercial purpose, including corporate training, resale, or classroom instruction to third parties. 6.4 The license in Section 6.2 terminates automatically upon: (a) expiry or cancellation of your Purchase access period or Subscription; (b) termination of your Account; or (c) your breach of these Terms. Upon termination, you must cease all use of the Content and delete any downloaded materials in your possession. 6.5 No ownership rights are transferred to you. All rights not expressly granted are reserved by Hub Academy. 7. Payments, Subscriptions, and Auto-Renewal 7.1 Pricing. Prices for Purchases and Subscriptions are displayed on the Platform at the time of order and are quoted in the currency indicated at checkout. Prices are exclusive of applicable taxes (including HST/GST) unless stated otherwise; applicable taxes will be added at checkout. 7.2 Payment methods. You must provide a valid, current payment method. By providing payment details, you represent that you are authorized to use the payment method and you authorize us (and our payment processors) to charge all fees and taxes to that method. 7.3 One-time Purchases. A one-time Purchase grants you access to the specified Course for the access period stated at the time of purchase (or, if no period is stated, for as long as the Course remains available on the Platform, subject to Section 5.3). One-time Purchases do not renew automatically. 7.4 Subscriptions and auto-renewal. Subscriptions are offered on a monthly or annual basis. Your Subscription will automatically renew at the end of each billing period (monthly or annual, as applicable) at the then-current Subscription price, and your payment method will be charged automatically, unless you cancel before the renewal date. By purchasing a Subscription, you expressly authorize these recurring charges. 7.5 Cancellation. You may cancel your Subscription at any time through your Account settings or by contacting us at academy@hubacademy.ai. Cancellation takes effect at the end of the current billing period; you will retain access until that date. Except as provided in our Refund and Cancellation Policy, we do not provide refunds or credits for partial billing periods. 7.6 Price changes. We may change Subscription prices from time to time. For existing Subscribers, we will provide at least thirty (30) days’ advance notice of any price increase by email or by a prominent notice on the Platform. The new price will apply from your next renewal following the notice period. If you do not agree to the new price, you may cancel your Subscription before the renewal date, and the increase will not apply to you. 7.7 Free trials. If your Subscription begins with a free trial, your payment method will be charged automatically at the end of the trial period unless you cancel before the trial ends. Trial eligibility is limited to one per person unless otherwise stated. 7.8 Failed payments. If a payment fails, we may retry the charge, suspend your access, and/or terminate your Subscription. You remain responsible for any unpaid amounts and any reasonable collection costs. 7.9 Promotions and discounts. Promotional pricing applies only for the period stated in the offer; thereafter, the standard price applies upon renewal. Promotions may not be combined unless expressly stated. 8. Refunds 8.1 Refunds for Purchases and Subscriptions are governed exclusively by our Refund and Cancellation Policy, which is incorporated into these Terms by reference. Please review that policy before making a purchase. 8.2 General rule. In summary, a full refund of a one-time Course Purchase is available where: (a) the refund request is submitted within seventy-two (72) hours of the recorded time of purchase; (b) no more than ten percent (10%) of the Course has been accessed or completed; (c) no certificate has been issued or downloaded; and (d) no substantial downloadable, premium, or restricted Course materials have been downloaded or accessed. Subscriptions may be cancelled at any time, with access continuing until the end of the current paid billing period; payments already processed are non-refundable except as provided in the Refund and Cancellation Policy or required by applicable law. Confirmed duplicate charges, billing errors, and qualifying platform technical failures are refunded in accordance with the Refund and Cancellation Policy. 8.3 Except as expressly provided in the Refund and Cancellation Policy or as required by applicable law (including any non-waivable consumer protection rights in your jurisdiction), all fees are non-refundable. 8.4 Nothing in these Terms limits any statutory cancellation, withdrawal, or refund rights you may have under applicable consumer protection legislation, including the Consumer Protection Act, 2002 (Ontario), where such rights cannot lawfully be waived. 9. Acceptable Use and Prohibited Conduct 9.1 You agree to use the Platform lawfully and respectfully. You must not: violate any applicable law, regulation, or third-party right; harass, threaten, defame, or abuse any person, or post hateful, discriminatory, obscene, or otherwise objectionable material; impersonate any person or entity, or misrepresent your identity, qualifications, or affiliations; upload or transmit viruses, malware, or any harmful or disruptive code; attempt to gain unauthorized access to the Platform, other Accounts, or any related systems or networks; scrape, crawl, data-mine, or use bots or automated means to access or extract Content or data from the Platform without our prior written consent; interfere with or disrupt the integrity or performance of the Platform; use the Platform to send spam or unsolicited commercial communications; collect or harvest personal information of other Users; or engage in any conduct that, in our reasonable judgment, restricts or inhibits any other person’s use of the Platform or exposes Hub Academy or any User to liability or harm. 9.2 User Content. You retain ownership of your User Content. By submitting User Content, you grant Hub Academy a worldwide, non-exclusive, royalty-free license to host, store, reproduce, display, and use your User Content solely for the purposes of operating, providing, and improving the Platform (including grading, moderation, and plagiarism detection). You represent that you own or have the necessary rights to your User Content and that it does not infringe any third-party rights. 9.3 We may (but are not obligated to) monitor, review, remove, or disable access to any User Content or activity that violates these Terms, without notice and without liability. 10. Intellectual Property 10.1 The Platform, the Content, the Hub Academy name and logo, and all related trademarks, service marks, trade names, and goodwill are the exclusive property of Hub Academy (or its licensors). Nothing in these Terms grants you any right to use our trademarks without our prior written consent. 10.2 Our Intellectual Property Policy, incorporated by reference, provides further detail on ownership of Content, permitted uses, and the procedure for submitting copyright or other intellectual property complaints. 10.3 If you believe that any Content infringes your intellectual property rights, please notify us in accordance with the Intellectual Property Policy at academy@hubacademy.ai. 10.4 Any feedback, suggestions, or ideas you provide about the Platform may be used by us without restriction or compensation to you. 11. Academic Integrity 11.1 Honest academic conduct is a condition of using the Platform. Your obligations regarding coursework, assessments, cheating, plagiarism, impersonation, and certificate misuse are set out in our Academic Integrity Policy, which is incorporated into these Terms by reference. 11.2 Without limiting the Academic Integrity Policy, you must not: (a) submit work that is not your own; (b) share or solicit assessment answers; (c) use unauthorized assistance, including having another person complete work on your behalf; or (d) misrepresent a certificate of completion. 11.3 We may investigate suspected violations and may, at our discretion and without refund, invalidate results, revoke certificates, suspend, or terminate your Account. 12. Disclaimers 12.1 Educational purposes only. The Platform and Content are provided for general educational and informational purposes only. They do not constitute professional advice of any kind, including legal, financial, medical, tax, or career advice. You should consult a qualified professional before acting on any information obtained through the Platform. 12.2 No accreditation guarantee. Unless expressly stated in writing for a specific Course, Hub Academy is not an accredited degree-granting institution, and Courses and certificates of completion are not academic credits, degrees, diplomas, or professional certifications, and may not be recognized by employers, licensing bodies, or educational institutions. We make no representation or guarantee regarding employment outcomes, salary, admission to any program, or professional licensure. 12.3 “As is” basis. To the maximum extent permitted by law, the Platform and Content are provided “as is” and “as available,” with all faults and without warranty of any kind. We disclaim all warranties, express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranty that the Platform will be uninterrupted, timely, secure, error-free, or free of viruses or other harmful components. 12.4 We do not warrant the accuracy, completeness, currency, or reliability of any Content. Course Content reflects knowledge at the time of production and may become outdated. 12.5 Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Nothing in these Terms excludes or limits any warranty or right that cannot lawfully be excluded under applicable law, including the Consumer Protection Act, 2002 (Ontario). 13. Limitation of Liability 13.1 To the maximum extent permitted by applicable law, Hub Academy and its directors, officers, employees, agents, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, business opportunities, or anticipated savings, arising out of or relating to these Terms, the Platform, or the Content, however caused and under any theory of liability, even if advised of the possibility of such damages. 13.2 To the maximum extent permitted by applicable law, our total aggregate liability to you for all claims arising out of or relating to these Terms, the Platform, or the Content will not exceed the greater of: (a) the total amounts you paid to Hub Academy in the twelve (12) months preceding the event giving rise to the claim; and (b) one hundred Canadian dollars (CAD $100). 13.3 Nothing in this Section limits or excludes liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be limited or excluded under applicable law, including non-waivable rights under the Consumer Protection Act, 2002 (Ontario). 13.4 You acknowledge that the fees charged reflect the allocation of risk in this Section and that these limitations are an essential basis of the bargain between you and Hub Academy. 14. Indemnification 14.1 You agree to indemnify, defend, and hold harmless Hub Academy and its directors, officers, employees, agents, and affiliates from and against any and all claims, demands, actions, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your breach of these Terms or any Related Policy; (b) your User Content; (c) your violation of any law or third-party right; or (d) your misuse of the Platform or Content. 14.2 We reserve the right, at your expense, to assume the exclusive defence and control of any matter subject to indemnification by you, and you agree to cooperate with our defence of such claims. You may not settle any claim without our prior written consent. 15. Termination 15.1 By you. You may stop using the Platform and close your Account at any time in accordance with the Personal Account Terms. Closing your Account does not entitle you to a refund except as provided in the Refund and Cancellation Policy. 15.2 By us. We may suspend or terminate your Account and access to the Platform, with or without notice, if: (a) you breach these Terms or any Related Policy; (b) we reasonably suspect fraud, abuse, or unlawful conduct; (c) we are required to do so by law; or (d) we discontinue the Platform. Where practicable and lawful, we will provide notice and an opportunity to cure for minor breaches. 15.3 Effect of termination. Upon termination: (a) all licenses granted to you under these Terms immediately end; (b) you must cease all use of the Platform and Content; and (c) amounts already paid are non-refundable except as required by the Refund and Cancellation Policy or applicable law. 15.4 Survival. Sections 2, 6.1, 6.4, 6.5, 9.2, 10, 12, 13, 14, 15.3, 15.4, 16, 17, and 18 survive termination of these Terms, together with any provision that by its nature should survive. 16. Governing Law and Dispute Resolution 16.1 Governing law. These Terms and any dispute arising out of or relating to them, the Platform, or the Content are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply. 16.2 Informal resolution. Before commencing any formal proceeding, you agree to contact us at academy@hubacademy.ai and attempt to resolve the dispute informally for at least thirty (30) days. 16.3 Courts. Subject to Section 16.4, you and Hub Academy irrevocably attorn to the exclusive jurisdiction of the courts of the Province of Ontario (and the Federal Court of Canada, where applicable) sitting in Ontario for the resolution of any dispute arising out of or relating to these Terms. 16.4 Optional arbitration. At the election of either party, made in writing before the commencement of court proceedings, any dispute arising out of or relating to these Terms may instead be finally resolved by binding arbitration administered by a single arbitrator under the Arbitration Act, 1991 (Ontario). The seat of arbitration shall be Ontario, Canada, the language shall be English, and the award shall be final and binding. Judgment on the award may be entered in any court of competent jurisdiction. Each party bears its own costs unless the arbitrator orders otherwise. 16.5 Consumer rights preserved. Nothing in this Section 16 limits or waives any right you may have under applicable consumer protection legislation to bring a claim in the courts of your jurisdiction or to access any mandatory dispute-resolution mechanism, where such rights cannot lawfully be waived. 16.6 No class actions. To the extent permitted by applicable law, you and Hub Academy agree that disputes will be brought only in an individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding. 17. Changes to These Terms 17.1 We may update these Terms from time to time. When we do, we will revise the “Last updated” date above and, for material changes, provide at least thirty (30) days’ advance notice by email or by a prominent notice on the Platform before the changes take effect. 17.2 Your continued use of the Platform after the effective date of updated Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must stop using the Platform and cancel any active Subscription before the changes take effect; in that case, the previous Terms will continue to apply to the remainder of your current paid billing period. 17.3 Changes will not apply retroactively to disputes arising before the effective date of the change. 18. General Provisions 18.1 Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible and the remaining provisions will continue in full force and effect. 18.2 Entire agreement. These Terms, together with the Related Policies, constitute the entire agreement between you and Hub Academy regarding the Platform and supersede all prior or contemporaneous agreements and understandings. 18.3 No waiver. Our failure to enforce any provision of these Terms is not a waiver of that provision or of our right to enforce it later. 18.4 Assignment. You may not assign or transfer these Terms or your Account without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets, or by operation of law. 18.5 Force majeure. We are not liable for any delay or failure to perform resulting from events beyond our reasonable control, including acts of God, pandemics, war, terrorism, labour disputes, utility or telecommunications failures, or government action. 18.6 Notices. We may provide notices to you by email to the address associated with your Account or by posting on the Platform. Notices to us must be sent to the contact details in Section 19. 18.7 Language. The parties confirm that it is their wish that these Terms and all related documents be drawn up in English. Les parties confirment leur volonté que les présentes conditions et tous les documents connexes soient rédigés en anglais. 19. Contact Us If you have any questions about these Terms, please contact us: Hub Academy — Email: academy@hubacademy.ai — Address: Ontario, Canada 2. Personal Account Terms & Conditions 1. Introduction and Relationship to the Platform Terms 1.1 These Personal Account Terms & Conditions (the “Account Terms”) govern the creation, maintenance, use, suspension, and termination of personal user accounts on the Hub Academy online learning platform (the “Platform”), operated by Hub Academy, a company registered in the Province of Ontario, Canada (“Hub Academy”, “we”, “us”, or “our”). 1.2 These Account Terms supplement, and should be read together with, the following documents, each of which is incorporated by reference: the Platform Terms & Conditions, which govern your general use of the Platform, including all purchases, one-time payments, and subscriptions; the Privacy Policy, which describes how we collect, use, and protect your personal information; the Academic Integrity Policy, which sets out the standards of honesty expected in coursework, assessments, and certificates; and the Refund and Cancellation Policy, which governs refund eligibility for purchases made on the Platform. 1.3 If there is a conflict between these Account Terms and the Platform Terms & Conditions, the Platform Terms & Conditions will prevail, except where these Account Terms deal specifically with account creation, security, and termination, in which case these Account Terms will prevail. 1.4 By creating an account, or by continuing to use an existing account after these Account Terms are updated, you agree to be bound by these Account Terms. If you do not agree, you must not create an account and must stop using the Platform. 1.5 These Account Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict-of-laws rules. You agree to attorn to the exclusive jurisdiction of the courts of Ontario, except where applicable consumer protection law in your place of residence gives you the right to bring proceedings in your local courts. 2. Eligibility 2.1 You must be at least eighteen (18) years of age, or the age of majority in your jurisdiction of residence if that age is higher, to create an account. By registering, you represent and warrant that you meet this requirement. 2.2 Accounts are not available to persons who have previously had an account suspended or terminated by Hub Academy for breach of our terms, unless we give prior written consent. 2.3 You must be capable of forming a legally binding contract under the laws applicable to you. If you create an account on behalf of an organization, you must use the organizational account process described in the Platform Terms & Conditions; personal accounts are for individual learners only. 2.4 Although the Platform is available worldwide, you are responsible for ensuring that your use of the Platform is lawful in your jurisdiction. Access from territories subject to Canadian or international sanctions or export controls may be restricted or prohibited. 3. Account Creation and Registration 3.1 To access courses and most Platform features, you must register for a personal account. During registration you must provide, at a minimum: your full legal name; a valid email address that you control; a password meeting our published security requirements; and any additional information reasonably required to verify your identity or process enrolment. 3.2 You agree that all information provided during registration is true, accurate, current, and complete, and that you will keep it up to date for as long as your account remains active (see Section 6). 3.3 Registration is complete only when we confirm account activation, which may require email verification. We may decline a registration at our discretion, including where information appears false, incomplete, or associated with prior misuse. 3.4 Your account is created for your personal, non-commercial learning use unless otherwise agreed in writing. 4. Account Security 4.1 You are responsible for maintaining the confidentiality of your login credentials, including your password and any multi-factor authentication methods associated with your account. 4.2 You must not disclose your credentials to any other person, permit any other person to access the Platform using your credentials, or use another person’s credentials. 4.3 You must notify us promptly at academy@hubacademy.ai if you know or suspect that: your credentials have been lost, stolen, or compromised; any unauthorized person has accessed or used your account; or there has been any other breach of your account’s security. 4.4 We may require you to reset your password, complete additional verification, or temporarily restrict your account while a suspected security incident is investigated. 4.5 We will never ask you for your password by email or telephone. Any communication requesting your password should be treated as fraudulent and reported to us. 5. One Account Per Person; Non-Transferability 5.1 Each individual may hold only one (1) personal account on the Platform. Creating multiple accounts, whether to circumvent a suspension, exploit promotions or refunds, obtain duplicate certificates, or for any other reason, is prohibited. 5.2 Your account is personal to you and is non-transferable. You may not sell, lend, lease, gift, assign, or otherwise transfer your account, your enrolment in any course, or any certificate or credential issued to you, to any other person. 5.3 Accounts do not pass to your estate on death. We may, on receipt of appropriate documentation, close a deceased user’s account and handle associated data in accordance with our Privacy Policy and applicable law. 5.4 We may merge, suspend, or terminate duplicate accounts where we reasonably believe one person holds more than one account. 6. Accurate Information Obligations 6.1 You must keep the information in your account — including your name, email address, and payment-related details — accurate, current, and complete at all times. 6.2 Providing false, misleading, or outdated information, including a false name or identity, is a breach of these Account Terms and may result in suspension or termination of your account and revocation of certificates issued under that account (see Section 9). 6.3 Certificates and credentials are issued in the name recorded on your account. It is your responsibility to ensure that this name matches your legal identity before completing any assessed coursework. 6.4 We are not responsible for failed deliveries, missed notices, lapsed subscriptions, or certificate errors resulting from inaccurate or outdated account information. 7. Account Use Rules 7.1 You may use your account only for lawful purposes and in accordance with these Account Terms, the Platform Terms & Conditions, and the Academic Integrity Policy. 7.2 You must not: share, resell, or provide access to course content, assessments, or your enrolment to any other person; permit any other person to complete coursework, quizzes, or examinations on your behalf, or complete them on behalf of another person; impersonate any person or entity, or falsely state or misrepresent your identity, qualifications, or affiliation; use another person’s account, or create an account in another person’s name, with or without their permission; use automated tools, bots, or scripts to access, scrape, or interact with the Platform except as expressly permitted in writing; circumvent, disable, or interfere with security-related features, access controls, or content-protection measures; use the Platform in any way that infringes intellectual property rights, violates applicable law, or harms Hub Academy, other learners, instructors, or third parties. 7.3 Breach of this Section 7 constitutes a material breach of these Account Terms and, where it relates to coursework or assessment, will also be handled under the Academic Integrity Policy. 8. Profile Content Rules 8.1 If your account includes a public or semi-public profile (for example, a display name, biography, photograph, or discussion-forum posts), you are solely responsible for that content. 8.2 Profile content must not: be false, misleading, defamatory, obscene, hateful, harassing, or discriminatory; infringe any copyright, trademark, privacy, publicity, or other proprietary right; contain personal information of any other person without their consent; contain advertising, spam, solicitations, or links to competing or malicious services; impersonate Hub Academy staff, instructors, or other learners. 8.3 You retain ownership of content you post, but you grant Hub Academy a non-exclusive, worldwide, royalty-free licence to host, display, reproduce, and distribute that content as needed to operate and promote the Platform, as further described in the Platform Terms & Conditions. 8.4 We may remove or edit profile content that violates this Section 8, with or without notice, and may suspend or terminate accounts for serious or repeated violations. 9. Suspension and Termination 9.1 Termination by you. You may close your account at any time through your account settings or by contacting us at academy@hubacademy.ai. Closing your account does not entitle you to a refund except as provided in the Refund and Cancellation Policy, and does not affect obligations that arose before closure. 9.2 Suspension or termination by Hub Academy. We may suspend, restrict, or terminate your account, with or without prior notice, if we reasonably believe that: you have breached these Account Terms, the Platform Terms & Conditions, or the Academic Integrity Policy; your account has been used fraudulently, unlawfully, or in a manner harmful to others; your account information is false or cannot be verified; continued access would expose Hub Academy, learners, or third parties to risk or liability; or we are required to do so by law, regulation, or court order. 9.3 Where practicable, we will give you notice of a suspension or termination and an opportunity to respond, except where doing so would compromise an investigation, security, or legal compliance. 9.4 Consequences of termination. Upon suspension or termination: you will lose access to your account, enrolled courses, course content, progress records, and community features; any active subscriptions will be handled in accordance with the Platform Terms & Conditions and the Refund and Cancellation Policy, and prepaid amounts may be forfeited where termination results from your material breach; certificates and credentials issued through the account may be revoked where they were obtained through breach of these Account Terms or the Academic Integrity Policy, and we may notify relying parties of such revocation where appropriate; and provisions of these Account Terms that by their nature should survive (including Sections 5, 6, 12, and 13) will survive termination. 9.5 We are not liable to you or any third party for loss of access, content, or data resulting from a suspension or termination carried out in accordance with these Account Terms. 10. Data and Privacy 10.1 The personal information associated with your account is collected, used, stored, and disclosed in accordance with our Privacy Policy and applicable privacy legislation, including the Personal Information Protection and Electronic Documents Act (Canada) and, where applicable, Ontario privacy law. 10.2 By creating an account, you acknowledge that you have read and understood the Privacy Policy. In the event of any inconsistency between this Section 10 and the Privacy Policy, the Privacy Policy prevails. 10.3 When your account is closed or terminated, we will retain or delete account data as described in the Privacy Policy and as required by law (for example, transaction and tax records). 11. Inactive Accounts 11.1 An account is considered inactive if you have not logged in for a continuous period of twenty-four (24) months. 11.2 We may, after sending at least one notice to the email address on file, deactivate or delete an inactive account and its associated data, subject to the retention requirements described in the Privacy Policy. 11.3 Deactivation of an inactive account does not affect the validity of certificates legitimately earned before deactivation, but you are responsible for downloading and retaining copies of your certificates and records. 12. Liability for Account Activity 12.1 You are responsible for all activity that occurs under your account, whether or not authorized by you, unless the activity results directly from our breach of these Account Terms or our negligence. 12.2 To the maximum extent permitted by law, Hub Academy is not liable for any loss or damage arising from your failure to keep your credentials secure, your failure to update account information, or unauthorized use of your account that you did not report promptly under Section 4.3. 12.3 Nothing in these Account Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability under Ontario consumer protection legislation. 13. Changes to These Terms 13.1 We may update these Account Terms from time to time. The current version will always be posted on the Platform with its “Last updated” date. 13.2 For material changes, we will provide reasonable advance notice (for example, by email or an in-Platform notice) before the changes take effect. 13.3 Your continued use of your account after the effective date of updated Account Terms constitutes acceptance of the changes. If you do not agree with the updated terms, you must close your account under Section 9.1 before the changes take effect. 14. Contact 14.1 Questions, notices, and reports relating to your account or these Account Terms may be directed to: Hub Academy — Email: academy@hubacademy.ai — Address: Ontario, Canada 14.2 Notices to you will be sent to the email address recorded in your account and are deemed received when sent. 3. Privacy Policy 1. Introduction & Scope Hub Academy (“Hub Academy”, “we”, “us”, or “our”) is committed to protecting your privacy and handling your personal information in a transparent, secure, and lawful manner. This Privacy Policy explains what personal information we collect when you use the Hub Academy online learning platform (the “Platform”), why we collect it, how we use and share it, how long we keep it, and the rights you have in relation to it. This Privacy Policy applies to all visitors, registered users, and purchasers of courses or subscriptions on the Platform, including our website, mobile applications, and related services (collectively, the “Services”). It applies regardless of where you access the Services from. Hub Academy is based in Ontario, Canada, and we handle personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Canadian privacy laws. Because our Services are offered to adults worldwide, this Policy also includes provisions designed to meet the requirements of the European Union and United Kingdom General Data Protection Regulation (“GDPR”) for users located in the European Economic Area (EEA), the United Kingdom (UK), and Switzerland, and a brief note for users in other jurisdictions (see Section 8 and Section 16). By creating an account or using the Services, you acknowledge that you have read and understood this Privacy Policy. Where we rely on your consent (for example, for marketing emails), you may withdraw that consent at any time as described below. 2. Who We Are / Contact & Privacy Officer Hub Academy is the data controller (or, under PIPEDA, the “organization”) responsible for your personal information. Hub Academy — Registered in Ontario, Canada — Address: Ontario, Canada — Email: academy@hubacademy.ai We have appointed a Privacy Officer who is accountable for our compliance with this Policy and applicable privacy laws. You may contact our Privacy Officer with any question, concern, access or correction request, or complaint: Privacy Officer, Hub Academy — Email: academy@hubacademy.ai We will respond to privacy inquiries within 30 days, or within the timeframe required by applicable law. 3. Information We Collect We collect the following categories of personal information: a) Account information. When you register, we collect your name, email address, and a password (stored only as a cryptographic hash — we never store your password in plain text). You may optionally add a profile photo, biography, country, language preference, or professional details. b) Payment data. When you purchase a course or subscription, payment is processed by our third-party payment processors. We receive and store limited transaction information — such as the amount paid, currency, date, billing name and email, and the last four digits and brand of your card — but we do not store full payment card numbers. See Section 6. c) Learning activity. We collect information generated as you learn: courses enrolled in, course progress and completion status, quiz and assessment results, assignments submitted, time spent on content, and certificates earned and issued. d) Device and usage data. We automatically collect technical information when you use the Services, including IP address, browser type and version, device type and operating system, pages viewed, links clicked, referring URLs, timestamps, and approximate location derived from your IP address. e) Cookies and similar technologies. We use cookies, pixels, and similar technologies for essential site functionality, preferences, analytics, and (with consent where required) marketing. See Section 5 and our separate Cookie Policy. f) Communications. If you contact us (support requests, surveys, feedback), we collect the content of those communications and your contact details. We also keep records of service and marketing communications we send you and your communication preferences. We do not knowingly collect “sensitive” personal information (such as health, biometric, or racial/ethnic data) and ask that you not provide it through the Platform. 4. How We Use Information & Legal Bases We use personal information for the following purposes: To provide the Services: creating and managing your account, delivering courses, tracking progress, and enabling platform features. To process payments and manage purchases, refunds, and subscriptions. To personalize learning: recommending courses, adapting content, and remembering your preferences. To issue certificates and verify course completion. To send service communications: account confirmations, receipts, password resets, course updates, and important notices about the Services or this Policy. To send marketing communications (optional, with your consent, in compliance with Canada’s Anti-Spam Legislation — see Section 12). For analytics and improvement: understanding how the Services are used, troubleshooting, and improving content and features. For security and fraud prevention: detecting and preventing unauthorized access, abuse, and fraudulent transactions. For legal compliance: meeting tax, accounting, consumer protection, and other legal obligations, and enforcing our Terms of Service. GDPR legal bases (EEA/UK/Swiss users). Under the GDPR, we must have a lawful basis for each use of your personal data. The following maps our purposes to their legal bases: Provide the Services; manage your account — Data: account info, learning activity, device/usage data — Legal basis: Performance of a contract (Art. 6(1)(b)). Process payments; refunds; subscriptions — Data: payment data, account info — Legal basis: Performance of a contract (Art. 6(1)(b)); legal obligation (Art. 6(1)(c)) for tax/accounting records. Personalize learning; issue certificates — Data: learning activity, account info — Legal basis: Performance of a contract (Art. 6(1)(b)); legitimate interests (Art. 6(1)(f)). Service communications — Data: account info, communications — Legal basis: Performance of a contract (Art. 6(1)(b)); legitimate interests (Art. 6(1)(f)). Marketing communications — Data: account info, communications, cookies — Legal basis: Consent (Art. 6(1)(a)). Analytics and product improvement — Data: device/usage data, learning activity, cookies — Legal basis: Legitimate interests (Art. 6(1)(f)); consent where required for non-essential cookies. Security and fraud prevention — Data: device/usage data, account info, payment data — Legal basis: Legitimate interests (Art. 6(1)(f)); legal obligation (Art. 6(1)(c)). Legal compliance and enforcement — Data: all categories, as needed — Legal basis: Legal obligation (Art. 6(1)(c)); legitimate interests (Art. 6(1)(f)). Where we rely on legitimate interests, we have balanced those interests against your rights and freedoms. You may request details of that balancing assessment, and you may object as described in Section 11. 5. Cookies & Tracking Technologies We use cookies and similar technologies (such as pixels, SDKs, and local storage) to operate the Platform, remember your settings, measure usage, and — where permitted — support marketing. Cookies fall into the following categories: Strictly necessary cookies — required for login, security, and core functionality; these cannot be disabled. Preference cookies — remember choices such as language and video playback settings. Analytics cookies — help us understand usage and improve the Services. Marketing cookies — used only with your consent where required by law. Where required (including in the EEA/UK), non-essential cookies are set only after you give consent through our cookie banner, and you can change or withdraw your choices at any time via the cookie settings link in the Platform footer. For full details — including the specific cookies we use, their purposes, and their lifespans — please see our Cookie Policy, which forms part of this Privacy Policy. 6. Payment Processing Payments on the Platform are processed by independent third-party payment processors (for example, Stripe or similar providers). When you make a purchase, your payment card details are collected and processed directly by the payment processor under its own privacy policy and security standards (including PCI-DSS). Hub Academy does not receive or store your full card number. We retain only the limited transaction information described in Section 3(b), which we use for receipts, refunds, fraud prevention, accounting, and tax compliance. 7. Sharing & Disclosure We do not sell, rent, or trade your personal information. All course content on the Platform is owned by Hub Academy; we do not share your information with third-party instructors. We disclose personal information only in the following limited circumstances: a) Service providers. We share personal information with trusted vendors who process it on our behalf and under contract, including: payment processors; cloud hosting and storage providers; email and communications platforms; analytics providers; customer support tools; and security/anti-fraud services. These providers may use your information only to perform services for us and must protect it with appropriate safeguards. b) Legal requirements and protection of rights. We may disclose personal information where required by law, court order, subpoena, or lawful government request, or where we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others; to investigate fraud or security incidents; or to enforce our agreements. c) Business transfers. If Hub Academy is involved in a merger, acquisition, financing, reorganization, or sale of all or part of its assets, personal information may be transferred as part of that transaction, subject to confidentiality protections and, where required, notice to you. Any successor entity will be bound by commitments substantially consistent with this Policy. We do not otherwise share your personal information with third parties for their own marketing purposes. 8. International Data Transfers Hub Academy is based in Canada, and some of our service providers are located in the United States and other countries. Your personal information may therefore be transferred to, stored, and processed outside your country of residence, where privacy laws may differ and where foreign authorities may be able to access it under local law. For EEA/UK/Swiss users: where we transfer personal data outside the EEA, UK, or Switzerland, we rely on appropriate safeguards under the GDPR, such as: (i) transfer to a jurisdiction recognized as adequate (note that Canada is recognized by the European Commission as providing adequate protection for commercial organizations under PIPEDA); (ii) European Commission Standard Contractual Clauses or the UK International Data Transfer Agreement/Addendum; and (iii) supplementary technical and organizational measures where appropriate. You may request a copy of the relevant safeguards by contacting our Privacy Officer. Other jurisdictions: if you access the Services from outside Canada and the EEA/UK (for example, from the United States, Australia, or elsewhere), you acknowledge that your information will be processed in Canada and other countries as described above. We will handle your information as described in this Policy and, where your local law grants you additional rights, we will make reasonable efforts to honour them. 9. Data Retention We retain personal information only as long as necessary for the purposes described in this Policy, and as required by law: Account information and learning activity (including certificates): retained for as long as your account is active, so you can access your courses and credentials. If you delete your account, we delete or de-identify this information within a reasonable period, subject to the exceptions below. Payment and transaction records: retained for the period required by Canadian tax and accounting laws (generally up to seven years). Communications and support records: generally retained for up to three years after the matter is resolved. Device/usage and analytics data: retained in identifiable form for up to 24 months, after which it is deleted or aggregated/de-identified. Marketing consent records: retained while your consent is active and for a period afterward to demonstrate compliance with CASL. When retention is no longer necessary, we securely delete, anonymize, or aggregate the information. We may retain limited information longer where needed to resolve disputes, enforce agreements, or comply with legal obligations. 10. Security Measures We use administrative, technical, and physical safeguards appropriate to the sensitivity of the information, including: encryption of data in transit (TLS) and at rest; hashed password storage; access controls limiting personal information to personnel and vendors who need it; employee confidentiality obligations and privacy training; network security monitoring; and vendor due diligence and contractual security requirements. No method of transmission or storage is completely secure. If we become aware of a breach of security safeguards involving your personal information that poses a real risk of significant harm, we will notify you and the Office of the Privacy Commissioner of Canada as required by PIPEDA, and will meet GDPR breach-notification obligations (including notification to supervisory authorities within 72 hours where required) for EEA/UK users. 11. Your Rights All users (PIPEDA). You have the right to: Access the personal information we hold about you, and to be told how it is used and to whom it has been disclosed. Correct inaccurate or incomplete personal information. Withdraw consent to collection, use, or disclosure, subject to legal and contractual restrictions (withdrawing consent may mean we can no longer provide some Services). Challenge our compliance by contacting our Privacy Officer and, if unresolved, the Office of the Privacy Commissioner of Canada (see Section 16). EEA/UK/Swiss users (GDPR). In addition, you have the right to: Access your personal data and receive a copy; Rectification of inaccurate or incomplete data; Erasure (“right to be forgotten”), subject to legal retention requirements; Data portability — receive data you provided to us in a structured, commonly used, machine-readable format, and have it transmitted to another controller where technically feasible; Restriction of processing in certain circumstances; Object to processing based on legitimate interests, and to object at any time to direct marketing (including related profiling); Withdraw consent at any time, without affecting the lawfulness of processing before withdrawal; Not be subject to solely automated decisions with legal or similarly significant effects, except where permitted by law. How to exercise your rights. Email our Privacy Officer at academy@hubacademy.ai with your request. You can also update much of your account information directly in your account settings, and unsubscribe from marketing using the link in any marketing email. We may need to verify your identity before acting. We respond within 30 days (one month under the GDPR, extendable where permitted). Exercising these rights is free of charge, except where requests are manifestly unfounded or excessive, as permitted by law. 12. Marketing Communications & CASL Consent We send marketing emails (course announcements, promotions, newsletters) only with your consent, in compliance with Canada’s Anti-Spam Legislation (CASL). You may give consent when registering or in your account settings. Every marketing message identifies Hub Academy, includes our contact information, and contains a functioning unsubscribe mechanism. You may withdraw consent at any time by clicking “unsubscribe” in any marketing email, adjusting your account preferences, or contacting academy@hubacademy.ai. Unsubscribe requests are processed promptly and in any event within 10 business days. Withdrawing marketing consent does not affect service communications (such as receipts and account notices), which we send as needed to operate the Services. 13. Children’s Privacy The Services are intended for adults aged 18 and older. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected personal information from a person under 18, we will delete it promptly and terminate the associated account. If you believe a minor has provided us personal information, please contact our Privacy Officer at academy@hubacademy.ai. 14. Third-Party Links The Platform may contain links to third-party websites or services (for example, external resources referenced in course materials). We are not responsible for the privacy practices or content of those third parties. Their handling of your information is governed by their own privacy policies, which we encourage you to review before providing them any personal information. 15. Changes to This Policy We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will notify you by email and/or by a prominent notice on the Platform before the changes take effect, and we will update the “Last updated” date above. Your continued use of the Services after the effective date constitutes acceptance of the updated Policy. Where required by law, we will seek your consent to material changes. 16. Complaints If you have a concern about how we handle your personal information, please contact our Privacy Officer first at academy@hubacademy.ai so we can try to resolve it. Canada. You have the right to complain to the Office of the Privacy Commissioner of Canada: Office of the Privacy Commissioner of Canada — 30 Victoria Street, Gatineau, Quebec K1A 1H3 — Toll-free: 1-800-282-1376 — Website: www.priv.gc.ca You may also have recourse to the Information and Privacy Commissioner of Ontario for matters within its mandate. EEA/UK/Switzerland. You have the right to lodge a complaint with the data protection supervisory authority in your country of residence, place of work, or place of the alleged infringement. A list of EEA authorities is available from the European Data Protection Board (edpb.europa.eu); in the UK, the supervisory authority is the Information Commissioner’s Office (ico.org.uk). 4. Cookie Policy Hub Academy (“Hub Academy”, “we”, “us”, or “our”) operates an online learning platform at [website URL] (the “Platform”). This Cookie Policy explains what cookies and similar technologies we use, why we use them, and how you can control them. This Cookie Policy should be read together with our Privacy Policy, which explains how we collect, use, and protect your personal information more generally. If there is any conflict between this Cookie Policy and the Privacy Policy regarding personal information, the Privacy Policy governs. We are based in Ontario, Canada, and we handle personal information in accordance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws. For visitors located in the European Economic Area (EEA), the United Kingdom (UK), or Switzerland, we also take into account the EU and UK General Data Protection Regulation (GDPR) and the ePrivacy Directive (including the UK Privacy and Electronic Communications Regulations). Under those laws, we do not place non-essential cookies on your device unless you have given us your consent. 1. What are cookies? Cookies are small text files that a website places on your computer, phone, or other device when you visit it. Cookies allow the website to recognize your device and remember information about your visit — for example, whether you are logged in, what language you prefer, or how you interacted with a page. In addition to cookies, we and our service providers may use similar technologies, such as: Local storage and session storage — small amounts of data stored in your browser that work like cookies but can hold more information. Pixels and web beacons — tiny invisible images embedded in pages or emails that tell us whether content was viewed or an email was opened. SDKs and device identifiers — used in mobile apps to provide functionality and analytics. For simplicity, we refer to all of these technologies as “cookies” in this policy. Cookies can be either: Session cookies, which are deleted automatically when you close your browser; or Persistent cookies, which remain on your device for a set period of time or until you delete them. Cookies can also be first-party cookies (set by Hub Academy) or third-party cookies (set by our service providers and partners, such as analytics or payment providers). 2. Why we use cookies We use cookies to: Keep you signed in securely and protect your account; Make the Platform work properly, including balancing traffic across our servers and preventing payment fraud; Remember your preferences, such as your language and video playback settings; Understand, in aggregate, how learners use the Platform so we can improve our courses and user experience; and With your consent, measure the effectiveness of our marketing and show you relevant advertising. We do not use cookies to sell your personal information. 3. Categories of cookies we use 3.1 Strictly necessary cookies These cookies are essential for the Platform to function and cannot be switched off in our systems. They are usually set only in response to actions you take, such as logging in, filling in forms, or making a payment. They include cookies used for: Authentication — keeping you signed in as you move between pages; Security — detecting suspicious activity and protecting your account; Load balancing — distributing traffic so the Platform stays fast and available; and Payment fraud prevention — helping our payment processors detect and block fraudulent transactions. Because these cookies are strictly necessary, they do not require your consent under ePrivacy rules. You can block them in your browser, but parts of the Platform (including sign-in and checkout) will not work. 3.2 Functional / preference cookies These cookies remember choices you make so we can give you a more personalized experience — for example, your preferred language, your region, subtitle settings, and video playback preferences (such as playback speed and quality). If you do not allow these cookies, some or all of these features may not work properly. 3.3 Analytics / performance cookies These cookies help us understand how visitors use the Platform — which pages and courses are most popular, how long sessions last, and where errors occur — so we can improve the Platform. We use this information in aggregated form and do not use it to identify you personally. Where required by law (including in the EEA and UK), these cookies are only set with your consent. 3.4 Marketing / advertising cookies These cookies are set — only with your consent — by us and our advertising partners to measure the effectiveness of our campaigns and to show you relevant ads on other websites. They may be used to build a profile of your interests. If you do not allow these cookies, you will still see advertising, but it will be less relevant to you. 4. Third-party cookies Some cookies on the Platform are set by third parties that provide services to us, such as: Payment processors (for secure checkout and fraud prevention); Analytics providers (such as Google Analytics, for aggregated usage statistics); Video hosting and content delivery providers (to stream course content reliably); and Advertising partners (only where you have consented to marketing cookies). These third parties may process information collected through their cookies in accordance with their own privacy policies. We contractually require our service providers to protect your information, but we encourage you to review the privacy policies of any third parties whose cookies you accept. Where a third party processes personal information outside Canada, that information may be subject to the laws of the jurisdiction where it is processed, as described in our Privacy Policy. 5. Managing your consent and browser controls 5.1 Cookie consent banner and settings When you first visit the Platform, you will see a cookie consent banner that lets you accept or reject non-essential cookies (functional, analytics, and marketing). Strictly necessary cookies are always on because the Platform cannot operate without them. For visitors in the EEA, UK, and Switzerland, non-essential cookies are not set until you give consent, and rejecting them is as easy as accepting them. You can change or withdraw your consent at any time, free of charge, by clicking the “Cookie Settings” link in the footer of the Platform and adjusting your preferences. Withdrawing consent does not affect the lawfulness of any processing that took place before you withdrew it. 5.2 Browser settings Most web browsers let you view, block, or delete cookies through their settings. You can usually find these controls under “Settings”, “Preferences”, or “Privacy and Security” in your browser. Please note that blocking all cookies (including strictly necessary ones) may prevent you from signing in, enrolling in courses, or completing purchases. 5.3 Specific opt-out tools Google Analytics: you can install the Google Analytics Opt-out Browser Add-on, available at https://tools.google.com/dlpage/gaoptout. Interest-based advertising: you can opt out of many third-party advertising cookies through the Digital Advertising Alliance of Canada (youradchoices.ca), the Network Advertising Initiative (optout.networkadvertising.org), or the European Interactive Digital Advertising Alliance (youronlinechoices.eu). 5.4 Do Not Track “Do Not Track” (DNT) is a browser setting that sends a signal to websites requesting that your browsing not be tracked. There is currently no consistent industry standard for how websites should respond to DNT signals, and the Platform does not currently respond to them. However, you can use the consent banner, cookie settings panel, and browser controls described above to manage tracking on the Platform. We will revisit our approach if a binding DNT standard is adopted. 6. Changes to this Cookie Policy We may update this Cookie Policy from time to time to reflect changes in the cookies we use, our practices, or legal requirements. When we make material changes, we will post the updated policy on this page with a revised “Last updated” date and, where appropriate, notify you through the Platform or by email. We encourage you to review this page periodically. Where required by law, we will seek your consent again before placing new categories of non-essential cookies. 7. Contact us If you have any questions about this Cookie Policy or our use of cookies, please contact us: Email: academy@hubacademy.ai You also have the right to contact the Office of the Privacy Commissioner of Canada regarding our handling of your personal information, and, if you are in the EEA or UK, your local data protection supervisory authority. 5. Intellectual Property Policy 1. Introduction and Scope 1.1 This Intellectual Property Policy (the “Policy”) explains how intellectual property rights apply to the Hub Academy online learning platform (the “Platform”), operated by Hub Academy, a business registered in the Province of Ontario, Canada (“Hub Academy”, “we”, “us”, or “our”). 1.2 This Policy applies to all learners, account holders, and visitors who access or use the Platform from anywhere in the world. By creating an account, enrolling in a course, or otherwise accessing the Platform, you agree to be bound by this Policy, together with our Platform Terms & Conditions and our Academic Integrity Policy, which are incorporated by reference. In the event of a conflict between this Policy and the Platform Terms & Conditions, the Platform Terms & Conditions prevail to the extent of the conflict. 1.3 The Platform is intended for adults aged 18 and over. If you do not agree with this Policy, you must not access or use the Platform. 2. Ownership of Platform Content 2.1 All content made available on or through the Platform — including, without limitation, course videos, audio recordings, written text, lectures, quizzes, assessments, slides, downloadable materials, source code, exercises, graphics, illustrations, photographs, user interfaces, and the design, selection, and arrangement of the foregoing (collectively, “Platform Content”) — is owned by Hub Academy or licensed to Hub Academy by third-party rights holders. Hub Academy does not host content supplied by third-party instructors; all courses are produced by or for Hub Academy. 2.2 Platform Content is protected by Canadian and international intellectual property laws, including the Copyright Act (Canada), trademark law, and applicable international treaties. Nothing in this Policy or on the Platform transfers any ownership interest in Platform Content to you. 2.3 All rights not expressly granted to you under this Policy are reserved by Hub Academy and its licensors. 3. License Granted to Learners 3.1 Subject to your compliance with this Policy, the Platform Terms & Conditions, and the Academic Integrity Policy, and provided your account remains in good standing, Hub Academy grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and view Platform Content solely for your personal, non-commercial educational purposes. 3.2 This license permits you to stream course videos and view materials through the Platform’s normal functionality for the duration of your enrolment or subscription, as described at the time of purchase. It does not grant you any right to download, store, copy, or redistribute Platform Content except where the Platform expressly provides a download feature for specific materials, in which case those materials remain subject to the restrictions in Section 4. 3.3 This license is personal to you. You may not transfer, assign, lend, sell, or sublicense it to any other person. Hub Academy may revoke this license at any time, including for breach of this Policy, non-payment, or violation of the Academic Integrity Policy, without prejudice to any other rights or remedies. 4. Prohibited Uses 4.1 You must not, and must not permit or assist any other person to: copy, reproduce, download (except via an expressly provided download feature), record, photograph, screen-record, or otherwise capture Platform Content; distribute, publish, broadcast, publicly display or perform, transmit, rent, lend, sell, resell, or commercially exploit Platform Content in any manner; upload, post, or share Platform Content to any third-party website, file-sharing service, social media platform, course-material repository, or “homework help” service; use bots, scrapers, crawlers, spiders, or any automated means to access, extract, index, or harvest Platform Content or Platform data; share your login credentials, account access, or enrolled course access with any other person, or allow any other person to access Platform Content through your account; use Platform Content, in whole or in part, to train, fine-tune, test, or develop any artificial intelligence or machine learning model or system, or permit any third party to do so; remove, obscure, alter, or deface any copyright, trademark, or other proprietary notice or watermark appearing on or embedded in Platform Content; modify, adapt, translate, or create derivative works based on Platform Content, except as strictly necessary for completing course exercises within the Platform; circumvent or attempt to circumvent any technological protection measure, digital rights management, or access control used on the Platform; or use Platform Content in any way that violates applicable law or the rights of any person. 4.2 Breach of this Section 4 is a material breach of the Platform Terms & Conditions and may result in immediate suspension or termination of your account, revocation of your license, and legal action, including claims for damages and injunctive relief. 5. User-Generated Content 5.1 The Platform may allow you to submit, post, or upload content, such as discussion forum posts, comments, assignment submissions, project files, code, and feedback (“User Content”). You retain ownership of the intellectual property rights in your User Content. 5.2 By submitting User Content, you grant Hub Academy a worldwide, non-exclusive, royalty-free, transferable, and sublicensable license to host, store, reproduce, display, perform, adapt, and distribute your User Content for the purposes of operating, providing, improving, and promoting the Platform, including displaying your posts to other learners, grading and reviewing assignments, and (in anonymized or aggregated form) improving course materials. 5.3 You represent and warrant that: (a) you own or control all rights in your User Content; (b) your User Content does not infringe the intellectual property, privacy, or other rights of any third party; and (c) your User Content complies with the Platform Terms & Conditions and the Academic Integrity Policy. In particular, you must not submit work that is not your own as an assignment submission. 5.4 Hub Academy may, but is not obligated to, monitor, review, edit, or remove User Content at its discretion, including User Content that infringes or appears to infringe third-party rights. 5.5 This license survives termination of your account only to the extent reasonably necessary for Hub Academy to comply with legal obligations, resolve disputes, and maintain academic records. 6. Trademarks 6.1 “Hub Academy”, the Hub Academy logo, and related names, logos, product and service names, designs, and slogans are trademarks or trade names of Hub Academy, whether registered or unregistered (collectively, the “Marks”). Hub Academy asserts its rights in the Marks under Canadian common law and, where applicable, under the Trademarks Act (Canada). 6.2 For clarity: registration of the business name “Hub Academy” in Ontario does not itself create trademark rights. Hub Academy claims trademark rights in the Marks through use, common law, and any applicable registrations, regardless of business name registration. 6.3 You may not use the Marks, or any confusingly similar mark, without Hub Academy’s prior written consent, including in domain names, social media handles, advertising, keywords, metatags, or in any manner likely to cause confusion or suggest affiliation, sponsorship, or endorsement. 6.4 You may refer to Hub Academy by name to accurately state that you completed a Hub Academy course, provided such use is truthful, not misleading, and does not display or reproduce the Hub Academy logo or imply certification, partnership, or endorsement beyond the facts. 7. Copyright Infringement Reporting — Notice-and-Notice and Takedown 7.1 Hub Academy respects the intellectual property rights of others and expects users to do the same. If you believe that content on the Platform infringes your copyright, you may submit a written notice to our designated agent at: academy@hubacademy.ai 7.2 To be effective, your notice should include: identification of the copyrighted work you claim has been infringed; identification of the allegedly infringing material, including its location on the Platform (e.g., URL), sufficient for us to locate it; your name, address, telephone number, and email address; a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; a statement that the information in the notice is accurate and that you are the copyright owner or authorized to act on the owner’s behalf; and your physical or electronic signature. 7.3 Canadian notice-and-notice regime. As a provider of network services in Canada, Hub Academy complies with the notice-and-notice regime under sections 41.25 to 41.27 of the Copyright Act (Canada). Where we receive a compliant notice of claimed infringement relating to a user of the Platform, we will, as required by law, forward the notice to the relevant user, inform the claimant that the notice has been forwarded (or explain why it could not be), and retain records as required by the Copyright Act. We do not adjudicate the merits of infringement claims. 7.4 DMCA-style notices. For good measure, and because our users are located worldwide, Hub Academy also accepts notices compliant with the U.S. Digital Millennium Copyright Act (17 U.S.C. § 512) and will voluntarily remove or disable access to material that is the subject of a compliant notice, in addition to any obligations under Canadian law. 7.5 Misrepresentations. A person who knowingly makes a false or misleading claim of infringement may be liable for damages. Hub Academy may disregard notices that are incomplete, abusive, or submitted in bad faith. 8. Counter-Notice 8.1 If your User Content was removed or access to it was disabled and you believe this was a mistake or that you have the right to use the material, you may send a counter-notice to our designated agent at academy@hubacademy.ai including: identification of the material that was removed and its location before removal; your name, address, telephone number, and email address; a statement, made in good faith, that the material was removed or disabled as a result of mistake or misidentification, or that you are authorized to use the material; a statement that you consent to the jurisdiction of the courts of the Province of Ontario (or, for U.S. DMCA purposes, the applicable U.S. federal district court) and that you will accept service of process from the original complainant; and your physical or electronic signature. 8.2 Upon receipt of a compliant counter-notice, Hub Academy may forward it to the original complainant. Unless the complainant initiates legal proceedings within a reasonable period (and, for DMCA purposes, within 10–14 business days), Hub Academy may, at its discretion, restore the material. Hub Academy is not obligated to restore any material and will act in accordance with applicable law. 9. Repeat Infringer Policy 9.1 Hub Academy will, in appropriate circumstances and at its sole discretion, suspend or terminate the accounts of users who are repeat infringers of copyright or other intellectual property rights, whether or not any infringement has been finally determined by a court. 9.2 For the purposes of this Policy, a “repeat infringer” generally includes any user who is the subject of two or more credible infringement notices or takedown events, or whose conduct otherwise demonstrates a pattern of infringing behaviour. 10. Feedback 10.1 If you provide suggestions, ideas, or feedback about the Platform (“Feedback”), you grant Hub Academy an unrestricted, perpetual, irrevocable, royalty-free, worldwide license to use, implement, and commercialize that Feedback without obligation or compensation to you. 11. Reservation of Rights 11.1 Hub Academy reserves all rights not expressly granted in this Policy. Nothing in this Policy constitutes a waiver of any right or remedy available to Hub Academy at law or in equity. Hub Academy may modify, suspend, or discontinue any Platform Content at any time and may enforce its intellectual property rights to the fullest extent permitted by law, including seeking injunctive relief, damages, and account of profits. 12. Governing Law 12.1 This Policy is governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws rules. Subject to applicable consumer protection law, the courts of Ontario have exclusive jurisdiction over disputes arising under this Policy. 13. Changes to This Policy 13.1 We may update this Policy from time to time. The “Last updated” date above reflects the most recent revision. Material changes will be communicated through the Platform or by email. Your continued use of the Platform after changes take effect constitutes acceptance of the revised Policy. 14. Contact 14.1 Questions about this Policy, requests for trademark or content licensing permission, and copyright notices should be directed to: Hub Academy — Legal / Intellectual Property — Email: academy@hubacademy.ai — Copyright Agent: academy@hubacademy.ai 6. Academic Integrity Policy 1. Purpose & Scope Hub Academy is an online learning platform registered in Ontario, Canada, offering courses and certificates of completion to adult learners (18+) worldwide. The value of a Hub Academy certificate depends on one thing above all else: trust. Employers, educational institutions, and learners themselves must be able to rely on the fact that a certificate from Hub Academy represents genuine learning and genuine effort by the person named on it. This Academic Integrity Policy explains: what academic integrity means at Hub Academy; what conduct counts as academic dishonesty; what happens when the rules are broken; how suspected violations are reported, investigated, and appealed; and what we expect from learners — and what learners can expect from us. This Policy applies to all learners enrolled in any Hub Academy course, program, assessment, or learning activity, regardless of where in the world they are located. It covers all work submitted through the platform, including quizzes, exams, assignments, projects, discussion contributions, and any other assessed activity. This Policy forms part of your agreement with Hub Academy and should be read together with our Platform Terms & Conditions and Personal Account Terms, which govern account suspension and termination. Where this Policy conflicts with those documents on a matter of academic integrity, this Policy prevails; otherwise, all documents apply together. All course content on Hub Academy is owned by Hub Academy. Unauthorized use or distribution of that content is both an integrity violation under this Policy and a breach of the Platform Terms & Conditions. 2. Core Values This Policy is built on five core values, adapted from the International Center for Academic Integrity’s fundamental values: Honesty. Present your own work, your own ideas, and your own results — truthfully. Trust. Certificates only have meaning if everyone plays by the same rules. We trust our learners, and learners must be able to trust each other and us. Fairness. Every learner is assessed under the same standards. No one should gain an unfair advantage, and no one should be penalized without a fair process. Respect. Respect your instructors, fellow learners, and the learning community by engaging genuinely and treating others’ work and rights with care. Responsibility. You are responsible for the work submitted under your account, for knowing the rules, and for asking questions when you are unsure. 3. What Counts as Academic Dishonesty Academic dishonesty is any conduct that gives you (or someone else) an unfair advantage, misrepresents who completed assessed work, or undermines the credibility of Hub Academy certificates. It includes, but is not limited to, the following: 3.1 Plagiarism Presenting someone else’s words, ideas, code, images, data, or other work as your own without proper acknowledgment. Examples include: copying text from websites, books, articles, or other learners’ work without quotation and citation; paraphrasing another source so closely that it is substantially the source’s work, without credit; submitting work produced by someone else (whether paid or unpaid) as your own; reusing your own previously graded work where the assessment rules do not allow it, without disclosure. 3.2 Cheating on Quizzes and Exams using notes, books, websites, devices, or other materials during an assessment where they are not permitted; communicating with any other person during a proctored or closed-book assessment; accessing the assessment before the permitted time, or circumventing time limits, attempt limits, or proctoring controls; retaking an assessment using knowledge of questions obtained improperly (for example, from leaked answer sets). 3.3 Unauthorized Collaboration Working with others on work that is required to be completed individually. Collaboration is only permitted where the assessment instructions explicitly say so. When in doubt, assume the work is individual and ask first. 3.4 Sharing Answers or Course Materials Online posting quiz, exam, or assignment questions or answers to websites, forums, group chats, file-sharing services, or “homework help” platforms; obtaining questions or answers from such sources; downloading, copying, screen-recording, redistributing, selling, or publishing Hub Academy course content (videos, slides, assessments, or other materials) without written permission. All course content is the property of Hub Academy, and unauthorized sharing may also give rise to copyright claims in addition to sanctions under this Policy. 3.5 Impersonation and Contract Cheating having another person complete any assessment, quiz, exam, assignment, or identity-verification step on your behalf; completing work on behalf of another learner; using a third-party “tutoring” or “essay mill” service to produce work you submit as your own. 3.6 Account Sharing allowing any other person to access or use your Hub Academy account; accessing or using another person’s account; maintaining multiple accounts to gain extra assessment attempts or evade sanctions. Account sharing is also a breach of the Personal Account Terms and may result in suspension or termination independent of this Policy. 3.7 Misuse of AI Tools submitting work generated wholly or substantially by an AI tool (for example, a chatbot, code generator, or essay generator) as your own, where the assessment rules prohibit or do not expressly permit AI use; using AI tools during proctored or closed-book assessments; failing to disclose AI assistance where disclosure is required. Where a course or assessment permits AI tools, the permitted uses will be stated clearly in the assessment instructions, and any AI assistance must be disclosed as instructed. AI-generated content submitted as your own work is treated as a form of plagiarism. 3.8 Falsifying Certificates or Credentials altering, forging, or fabricating a Hub Academy certificate, transcript, or verification link; claiming a credential you have not earned, or misrepresenting the content, level, or results of a completed course; using another person’s certificate as your own. Falsification of credentials is treated as one of the most serious violations and may be reported to employers, institutions, or authorities where appropriate. 4. Consequences & Enforcement Hub Academy applies sanctions proportionately, taking into account the seriousness of the violation, whether it was intentional, and whether the learner has prior violations. However, we reserve the right to impose a more serious sanction immediately where the violation warrants it (for example, credential forgery or large-scale answer sharing). The typical enforcement ladder is: Warning. For minor or first-time violations. The violation is recorded, and the learner is reminded of the rules. The affected work may need to be redone. Assignment or course failure. The affected assessment receives a grade of zero, or the learner fails the course. The violation is recorded on the learner’s internal file. Certificate revocation. Any certificate or credential obtained through dishonesty is revoked, and the revocation may be reflected in our verification systems. A revoked certificate must not be presented as valid. Account suspension. Temporary loss of access to the platform, as provided in the Personal Account Terms. Enrolments may be paused without extension. Account termination. Permanent closure of the account and removal from all courses, in accordance with the Personal Account Terms. Terminated learners may not re-enrol without Hub Academy’s written consent. No refunds. Fees paid for courses, subscriptions, or certificates are forfeited and non-refundable where a learner is sanctioned for an academic integrity violation, to the extent permitted by applicable law. Where mandatory consumer-protection law in your jurisdiction grants non-waivable refund rights, those rights are not affected. Sanctions under this Policy are applied in addition to, not instead of, any remedies available under the Platform Terms & Conditions, the Personal Account Terms, or applicable law (including copyright and fraud laws). 5. Reporting Suspected Violations Anyone — learners, staff, employers, or members of the public — may report a suspected academic integrity violation by emailing academy@hubacademy.ai with: a description of the suspected violation; the course, assessment, or certificate involved; any supporting evidence (links, screenshots, documents); and your name and contact information (anonymous reports are accepted but may limit our ability to investigate). Reports are handled confidentially to the extent reasonably possible. Hub Academy does not tolerate retaliation against anyone who reports a suspected violation in good faith. Knowingly false or malicious reports may themselves be treated as misconduct. 6. Investigation & Appeals Hub Academy is committed to a fair process before any sanction is imposed. 6.1 Investigation Preliminary review. Within 10 business days of a report or detection (including automated integrity or proctoring flags), Hub Academy will review the available evidence and decide whether a formal investigation is warranted. Notice to the learner. If a formal investigation proceeds, the learner will be notified in writing (via the email associated with their account) of the allegation and the evidence relied upon. Learner response. The learner has 10 business days from the notice to provide a written response and any evidence. Extensions may be granted for good reason. Decision. A Hub Academy reviewer who was not the original reporter will decide, on a balance of probabilities (i.e., whether it is more likely than not that a violation occurred), and will notify the learner of the decision and any sanction, normally within 15 business days of the learner’s response (or the response deadline). During an investigation, Hub Academy may temporarily withhold grades, certificates, or course completion status pending the outcome. 6.2 Appeals A learner may appeal a decision by emailing academy@hubacademy.ai within 15 business days of the decision notice, stating the grounds for appeal. Appeals may be based on: new evidence that was not reasonably available earlier; a procedural error that could have affected the outcome; or a sanction that is disproportionate to the violation. An appeal will be reviewed by a senior reviewer not involved in the original decision, and a final decision will normally be issued within 20 business days of receiving the appeal. The appeal decision is final within Hub Academy’s internal process. Nothing in this Policy limits any rights you may have under applicable law. 7. Hub Academy’s Responsibilities Because all Hub Academy course content is created and maintained by Hub Academy, we take responsibility for the integrity of our own assessments. We will: provide clear assessment rules for every graded activity, including whether collaboration or AI tools are permitted and any citation or disclosure requirements; apply reasonable integrity and proctoring measures, which may include identity verification, plagiarism-detection software, AI-use indicators, browser or session monitoring for proctored assessments, and anomaly detection on quiz/exam attempts — all subject to our Privacy Policy and applicable privacy law; train staff to apply this Policy consistently and fairly; keep investigation records confidential and retain them only as long as needed; regularly review assessments for security (for example, rotating question banks) and update integrity measures as technology evolves. 8. Learner Responsibilities As a Hub Academy learner, you agree to: submit only your own work, completed in accordance with the stated assessment rules; read and follow the rules for each assessment, and ask Hub Academy (via academy@hubacademy.ai) before acting if anything is unclear; never share assessment questions, answers, or course materials outside the platform; keep your account credentials confidential and never allow anyone else to use your account; use AI tools only where and how the assessment rules permit, and disclose permitted AI use as instructed; represent your Hub Academy certificates and credentials accurately; report suspected violations you become aware of; and cooperate honestly and promptly with any investigation. You are responsible for all activity and submissions made under your account, whether or not you personally performed them, so protect your login credentials. 9. Policy Changes Hub Academy may update this Policy from time to time. The current version will always be posted on the platform with its “Last updated” date. For material changes, we will provide reasonable advance notice (for example, by email or an in-platform notice) before the changes take effect. Your continued use of the platform after the effective date constitutes acceptance of the updated Policy. Investigations are governed by the version of the Policy in effect when the alleged violation occurred. 10. Contact Questions about this Policy, assessment rules, permitted AI use, reports of suspected violations, or appeals may be sent to: Email: academy@hubacademy.ai — Mail: Hub Academy, Ontario, Canada

Hub Academy — Refund and Cancellation Policy Last updated: September 2026 1. Overview Hub Academy (“Hub Academy”, “we”, “us”, or “our”) wants you to purchase with confidence. This Refund and Cancellation Policy sets out when refunds and cancellations are available for one-time course purchases (“Purchases”) and subscription plans (“Subscriptions”) made directly through the Hub Academy website or apps. Purchases made through third-party app stores or resellers are subject to that third party’s refund policies. This policy forms part of, and is incorporated by reference into, the Hub Academy Platform Terms & Conditions. 2. General Rule — One-Time Course Purchases You may request a full refund of a one-time Course Purchase within seventy-two (72) hours of the recorded time of purchase, provided that all of the following conditions are met: no more than ten percent (10%) of the Course has been accessed or completed; no certificate has been issued or downloaded for the Course; no substantial downloadable, premium, or restricted Course materials have been downloaded or accessed; the same Course has not previously been refunded to you and subsequently repurchased; and there is no evidence of fraud, misuse, account sharing, or abuse of this policy. If any of these conditions is not met, the Purchase is non-refundable, except as otherwise provided in this Policy or required by applicable law. The 72-hour period is calculated from the recorded time of purchase to the time your refund request is submitted. 3. Subscription Plans 3.1 Cancellation. You may cancel a Subscription at any time through your Account settings or by contacting us at academy@hubacademy.ai. Cancellation prevents the next automatic renewal; you will retain access until the end of your current paid billing period. 3.2 Payments already processed. Subscription payments that have already been processed are non-refundable, except in the case of duplicate charges, billing errors, qualifying technical problems, or where a refund is required by applicable law. 3.3 Free trials. Where a free trial is offered, it converts automatically to a paid Subscription at the end of the trial period unless you cancel before the trial ends. Once converted, Section 3.2 applies. 4. Duplicate Payments and Billing Errors We will provide a full refund for confirmed duplicate charges or billing errors attributable to our Platform. Please contact us at academy@hubacademy.ai as soon as possible after identifying an incorrect or duplicate charge. 5. Technical Problems 5.1 If you cannot access a purchased Course because of a verified technical problem attributable to our Platform, we will first attempt to resolve the issue. 5.2 If the problem cannot be reasonably resolved and prevents you from accessing the purchased Course, you may be eligible for a full or partial refund, depending on the circumstances. 5.3 Problems relating to your own device, internet connection, browser, third-party software, or other circumstances outside our reasonable control do not normally qualify for a refund. 6. Certificates Once a course certificate has been issued or downloaded, the Course is no longer eligible for a voluntary refund. 7. Non-Refundable Cases In addition to the conditions above, refunds are not available where: your Account was suspended or terminated for a violation of the Platform Terms & Conditions or the Academic Integrity Policy; a service has been fully consumed (for example, a completed Course or an expired billing period); the request is submitted after the 72-hour window and no other provision of this Policy or applicable law applies; or there is reasonable evidence of refund abuse, as described in Section 10. 8. Promotional and Discounted Purchases Courses purchased using promotional codes, discounts, or special offers remain subject to this Policy unless the specific promotion clearly states different refund conditions. Refunds for discounted Purchases are limited to the amount actually paid. 9. How to Request a Refund 9.1 Refund requests must be submitted through our designated customer-support channel at academy@hubacademy.ai and should include: your full name; the email address associated with your Account; the Course or Subscription purchased; the purchase date; the order or transaction reference; and the reason for your request. 9.2 We will normally review complete requests within three (3) business days and may ask for additional information. 10. Abuse of This Policy We reserve the right to refuse a voluntary refund where there is reasonable evidence of: fraudulent activity; repeated refund requests or systematic refund abuse; account sharing or unauthorized access or use; or attempts to obtain, copy, or substantially consume Course content before requesting a refund. This Section does not restrict any rights you may have under applicable law. 11. Approved Refunds and Processing Approved refunds will normally be returned to the original payment method used for the purchase, in the original transaction currency. Please allow five to ten (5–10) business days for the refund to appear; the exact timing depends on your payment provider, card issuer, or financial institution. Once a refund is processed, your access to the refunded Course or Subscription will be revoked. 12. Statutory Consumer Rights 12.1 This Policy is a voluntary commercial refund policy. It applies in addition to, and does not limit, any mandatory cancellation, refund, or other remedy you may have under applicable consumer protection legislation. 12.2 Ontario and Canada. Nothing in this Policy limits any non-waivable rights you may have under the Consumer Protection Act, 2002 (Ontario) or other applicable Canadian provincial or federal consumer protection laws. 12.3 EU and UK. If you are a consumer in the European Union or the United Kingdom, you may have a statutory right to withdraw from a digital-content purchase within fourteen (14) days. Where you expressly consent to immediate access to the digital content and acknowledge that you lose your withdrawal right upon full performance, that right may be limited in accordance with applicable law. 13. Chargebacks If you have a billing concern, please contact us first at academy@hubacademy.ai so we can resolve it quickly. Initiating a chargeback for a transaction that is not fraudulent may result in suspension of your Account pending resolution, without limiting your statutory rights. 14. Changes to This Policy We may update this Policy from time to time. The version in effect at the time of your purchase governs that purchase. Material changes will be announced on the Platform with at least thirty (30) days’ notice before taking effect. 15. Policy Summary For a standard one-time Course Purchase, a full voluntary refund is available when: Request submitted within 72 hours of purchase + no more than 10% of the Course accessed or completed + no certificate issued or downloaded. Subscriptions may be cancelled at any time and remain active until the end of the current paid billing period. Duplicate charges, confirmed billing errors, qualifying platform technical failures, and rights required by applicable law are handled separately under the provisions above. 16. Contact Us Hub Academy — Email: academy@hubacademy.ai — Address: Ontario, Canada