Sagson Portal grants you a limited, personal, non-exclusive, non-transferable and revocable right to access and use the Website and its services in accordance with these Terms.

You may use the Website only for lawful purposes and in a manner that does not infringe the rights of, restrict, damage or interfere with the use of the Website by another person.

Sagson Portal may update, modify, suspend or discontinue any part of the Website or its functionality where reasonably necessary.

Nothing in these Terms transfers ownership of the Website, its software, course materials or other intellectual property to users.

Certain Sagson Portal services may require users to create an account.

You are responsible for:
• Providing accurate and current registration information;
• Maintaining the confidentiality of your username and password;
• Preventing unauthorised access to your account; and
• Activities undertaken through your account where resulting from your failure to maintain appropriate account security.

You must notify Sagson Portal promptly if you believe that your account or login credentials have been lost, compromised or used without authorisation.

Sagson Portal reserves the right to suspend or terminate accounts that are used fraudulently, unlawfully or in material violation of these Terms.

Sagson Portal provides access to online courses, training programmes and other educational and professional-development opportunities.

Where applicable, relevant information concerning the course or programme, including its description, learning outcomes, delivery method, duration, fees and other requirements, will be provided on the relevant course or programme page.

Learners are responsible for reviewing the relevant information before enrolling.

Sagson Portal may make reasonable changes to course content, instructors, schedules, delivery methods or learning materials where necessary to maintain or improve the quality, relevance or availability of a programme.

Such changes should not materially reduce the overall educational service purchased by the learner.

Unless expressly stated otherwise in writing, completion of a Sagson Portal course or programme does not guarantee:
• Employment;
• Promotion;
• Professional licensing;
• University or college admission;
• Immigration or visa outcomes; or
• Any particular professional or commercial result.

Where a course leads to an externally regulated, accredited or awarded qualification or certificate, any additional rules imposed by the relevant awarding, accreditation or regulatory organisation may also apply.

Sagson Portal may provide consultancy, educational, institutional, training, business and other professional services.

Such services may be governed by a separate:
• Service delivery contract;
• Proposal;
• Statement of work;
• Partnership agreement; or
• Other written agreement.

Where a separately executed agreement applies, its specific terms will govern the relevant service.

If there is a conflict between these Terms and a separately executed agreement, the terms of the specific agreement will prevail in relation to the relevant service.

Sagson Portal may accept payments through Visa, Mastercard, debit cards, credit cards or other payment methods displayed on the Website.

Payments may be processed through authorised third-party payment service providers.

Users may therefore also be subject to the applicable payment provider's terms, conditions and privacy practices.

The price and currency displayed and confirmed during checkout will be the price and currency applicable to the transaction.

A user's bank, card issuer or payment provider may independently apply currency-conversion charges, international transaction fees or other charges. Sagson Portal is not responsible for charges imposed independently by a user's financial institution.

Users are responsible for ensuring that:
• Payment information provided is accurate;
• They are authorised to use the selected payment method; and
• Sufficient funds or credit are available to complete the transaction.

Once payment has been successfully received, a payment confirmation notice will be sent to the client or learner by email within 24 hours of receipt of payment.

Users should retain their transaction confirmation and relevant course, product or service documentation for their records.

Refunds and cancellations are governed by the Sagson Portal Refund Policy available on the Website.

Unless otherwise stated in a specific programme or service agreement, the following principles apply:

Online Courses and Programmes
• More than 24 hours before the scheduled course or programme start: Full refund.
• Within 24 hours before the scheduled start, or after the course or programme has started: No refund.

Products
Eligible products may receive a full refund within 14 days of purchase, subject to the applicable Refund Policy and any conditions stated at the time of purchase.

Professional and Contracted Services
Refunds, cancellations and termination arrangements for professional or contracted services will be governed by the applicable service delivery contract or other written agreement.

Refund Processing
Approved refunds will be returned to the original method of payment.

Refund processing may take approximately 10 to 45 days, depending on the issuing bank, card provider, payment processor and original payment method.

Users should review the full Sagson Portal Refund Policy before purchasing.

Unless expressly stated otherwise, the Website and materials made available through Sagson Portal, including:
• Course and training materials;
• Text;
• Videos;
• Images and graphics;
• Assessments;
• Documents and publications;
• Software;
• Website design;
• Databases;
• Trademarks;
• Logos; and
• Other educational or digital content

(collectively, the "Materials") are owned by Sagson Portal, the relevant operating entity, or the applicable third-party rights holder, and are used under appropriate ownership, licence or authorisation.

The Materials are protected by applicable copyright, trademark and other intellectual-property laws.

Users may access Materials solely for their personal educational or otherwise authorised use.

Unless expressly authorised in writing, users may not:
• Copy or reproduce Materials;
• Republish or publicly distribute Materials;
• Sell, rent, sublicense or commercially exploit Materials;
• Modify Materials for commercial redistribution;
• Create unauthorised derivative commercial works;
• Share restricted course content with third parties;
• Share account access for the purpose of enabling unauthorised access to Materials; or
• Remove copyright, trademark or other proprietary notices.

Purchasing a course, programme, product or service does not transfer ownership of the underlying intellectual property to the purchaser or learner.

Some courses, qualifications, learning resources, assessments or other materials available through Sagson Portal may be provided by external awarding organisations, educational institutions, instructors, partners or other third parties.

Intellectual-property rights in such materials remain with their respective owners.

Users must comply with any additional restrictions or conditions applying to third-party materials.

Sagson Portal may allow users to submit assignments, reviews, feedback, comments, documents, images or other content.

Users retain ownership of their original content unless otherwise agreed.

Where content is submitted for publication or use through the platform, the user grants Sagson Portal a non-exclusive licence to host, store, reproduce, process and display that content to the extent reasonably necessary to provide, administer or promote the relevant service.

Users must not submit content that:
• Infringes another person's intellectual-property rights;
• Violates privacy or confidentiality obligations;
• Is unlawful, fraudulent, defamatory, abusive or discriminatory;
• Contains viruses, malware or harmful code; or
• Otherwise violates these Terms.

Users must not use Sagson Portal to:
• Conduct unlawful or fraudulent activities;
• Attempt to gain unauthorised access to accounts, servers, systems or data;
• Introduce viruses, malware or other harmful technology;
• Circumvent security or access restrictions;
• Scrape or systematically extract Website content without authorisation;
• Interfere with the operation or security of the Website;
• Misrepresent their identity or affiliation;
• Impersonate another person;
• Use another learner's account without permission; or
• Use Sagson Portal content for unauthorised commercial purposes.

Sagson Portal reserves the right to take reasonable action against users who violate these requirements.

The Website may contain links to websites, applications or online services operated by third parties.

Sagson Portal does not control third-party websites and is not responsible for their content, security, availability or privacy practices.

The inclusion of a third-party link does not necessarily constitute endorsement of the third party, its website or its services.

Users should review the relevant terms and privacy policies before providing personal information to or transacting with third-party services.

Sagson Portal may rely on third-party providers for services including:
• Website hosting;
• Learning-management technology;
• Payment processing;
• Communications;
• Analytics;
• Cloud storage;
• Certification;
• Assessment; and
• Other operational services.

While Sagson Portal takes reasonable care in selecting and managing service providers, it cannot guarantee the uninterrupted availability of systems operated independently by third parties.

Personal information handled through such arrangements will be managed in accordance with the Sagson Portal Privacy Policy and applicable data-protection requirements.

Sagson Portal aims to provide reliable access to the Website and its educational services but does not guarantee that the Website will always operate without interruption or error.

Access may occasionally be affected by:
• Scheduled maintenance;
• Emergency maintenance;
• Technical problems;
• Security incidents;
• Software updates;
• Third-party service interruptions;
• Internet or telecommunications failures; or
• Events outside Sagson Portal's reasonable control.

Where reasonably practicable, Sagson Portal will seek to minimise disruption to paid educational services.

Users must not attempt to compromise the security of Sagson Portal or gain unauthorised access to systems, accounts, data or restricted content.

Sagson Portal takes reasonable technical and organisational measures to protect its Website, systems and users.

However, no internet-based service can guarantee absolute security.

Users are responsible for taking reasonable precautions to protect their passwords, devices and account information.

Sagson Portal takes reasonable steps to ensure that information and educational content available through the Website is accurate and appropriate.

However, except where expressly stated otherwise, Website content is provided for educational and informational purposes.

To the extent permitted by applicable law, Sagson Portal does not guarantee that all Website content will always be:
• Complete;
• Current;
• Error-free;
• Continuously available; or
• Suitable for every individual purpose.

Professional, business, legal, financial or other specialist information provided through courses or Website materials should not automatically be treated as individual professional advice unless the relevant service expressly provides such advice.

Nothing in these Terms excludes any warranty, right or remedy that cannot lawfully be excluded.

To the maximum extent permitted by applicable law, Sagson Portal will not be liable for indirect, incidental, special or consequential losses arising from the use of, or inability to use, the Website or its services.

Sagson Portal will not be responsible for losses resulting solely from circumstances outside its reasonable control.

Nothing in these Terms excludes or limits liability where exclusion or limitation is prohibited by applicable law.

Where Sagson Portal is legally liable in connection with a paid course, programme, product or service, any limitation of liability will remain subject to applicable consumer-protection legislation and other mandatory legal requirements.

To the extent permitted by applicable law, users agree to indemnify Sagson Portal and the relevant operating entity against reasonable losses, liabilities, claims or expenses arising directly from:
• Unlawful use of the Website;
• A material breach of these Terms;
• User-submitted content that infringes third-party rights;
• Fraudulent conduct; or
• Deliberately harmful conduct.

This provision does not limit any statutory or consumer rights that cannot lawfully be excluded.

Sagson Portal may suspend or terminate access to the Website, an account, course or service where there is reasonable evidence of:
• Fraud or attempted fraud;
• Serious or repeated violation of these Terms;
• Unauthorised sharing or distribution of course materials;
• Unauthorised account sharing;
• Security threats;
• Unlawful activity;
• Harassment or abuse; or
• Serious misuse of Sagson Portal systems or services.

Where appropriate and reasonably practicable, Sagson Portal may provide notice before suspension or termination.

Termination does not affect rights or obligations arising before termination.

Sagson Portal will not knowingly provide products or services where doing so would violate sanctions, trade restrictions or other laws applicable to the relevant operating entity or transaction.

Sagson Portal reserves the right to refuse, suspend or discontinue a transaction where reasonably necessary to comply with:
• Applicable law;
• Regulatory requirements;
• Sanctions requirements;
• Anti-fraud obligations; or
• Lawful requirements imposed by banks, card issuers or payment-service providers.

Personal information collected through Sagson Portal will be handled in accordance with the Sagson Portal Privacy Policy and applicable data-protection requirements.

Depending upon the relevant operating entity and user, applicable requirements may include UK or UAE data-protection legislation and other mandatory privacy requirements.

Users should review the Privacy Policy for information concerning:
• Personal information collected;
• Purposes for which information is used;
• Cookies and analytics;
• Payment information;
• Sharing with service providers;
• International data transfers;
• Data retention;
• Security;
• Privacy rights; and
• Contact information for privacy-related requests.

Sagson Portal may offer courses, programmes or educational services suitable for children and young learners.

Where a service is provided to a child or young learner, appropriate safeguards and parental or guardian consent requirements may apply depending on:
• The learner's age;
• The nature of the programme;
• The country in which the service is provided; and
• Applicable legal requirements.

Children and young learners must not independently enter into paid transactions where they do not have the legal capacity or necessary parental or guardian authorisation to do so.

Sagson Portal may request evidence of parental or guardian consent where appropriate.

23.1 United Kingdom
In the United Kingdom, Sagson Portal operates through:
Qualifications House UK (QHUK)

Where a course, programme, product or service is supplied, invoiced or contracted through Qualifications House UK, the contractual relationship will be with Qualifications House UK.

23.2 United Arab Emirates
In the United Arab Emirates, Sagson Portal operates through:
Sagson Educational Portal
Ajman Free Zone, United Arab Emirates

Where a course, programme, product or service is supplied, invoiced or contracted through Sagson Educational Portal, the contractual relationship will be with Sagson Educational Portal.

23.3 Determining the Contracting Entity
The entity responsible for a particular transaction or service will normally be identified on the relevant:
• Invoice or receipt;
• Payment confirmation;
• Order documentation;
• Course or programme documentation;
• Proposal;
• Service delivery contract; or
• Other transaction or contractual documentation.

Where a separate written agreement identifies a specific contracting entity, that agreement will determine the relevant contracting party.

United Kingdom Transactions
Where a course, programme, product or service is supplied, invoiced or contracted through Qualifications House UK, the contractual relationship will be governed by the laws of England and Wales.

Any dispute arising from that relationship will be subject to the jurisdiction of the courts of England and Wales, except where mandatory consumer-protection or other applicable laws provide otherwise.

United Arab Emirates Transactions
Where a course, programme, product or service is supplied, invoiced or contracted through Sagson Educational Portal, Ajman Free Zone, the contractual relationship will be governed by the applicable laws of the United Arab Emirates and the Emirate of Ajman.

Any dispute arising from that relationship will be subject to the competent courts of the United Arab Emirates, except where mandatory applicable law provides otherwise.

Separate Agreements
Where a separately executed service delivery contract or other written agreement specifies a particular governing law or jurisdiction, the provisions of that agreement will apply to the relevant service to the extent of any inconsistency with these Terms.

Nothing in these Terms limits statutory, consumer or other rights that cannot lawfully be excluded.

Sagson Portal may update these Terms periodically to reflect changes in:
• Services;
• Technology;
• Business operations;
• Payment arrangements;
• Legal requirements; or
• Regulatory requirements.

The latest version will be published on the Website with an updated "Last Updated" date.

Where a change materially affects an existing paid service or users' rights, Sagson Portal will take reasonable steps to provide appropriate notice where required.

Continued use of the Website following an update will constitute acceptance of the revised Terms to the extent permitted by applicable law.

If any provision of these Terms is determined by a competent court or authority to be invalid, unlawful or unenforceable, that provision will be treated as modified or removed to the minimum extent necessary.

The remaining provisions will continue in full force and effect.

Failure by Sagson Portal or either operating entity to enforce any provision of these Terms does not constitute a waiver of that provision or any other rights.

Any waiver must be expressly agreed by the relevant operating entity.

These Terms, together with the:
• Privacy Policy;
• Refund Policy; and
• Any specific terms applying to a particular course, programme, product or service

constitute the terms governing the user's use of Sagson Portal and the relevant transaction.

Where a separately signed service delivery contract or other written agreement applies, that agreement will prevail in relation to the specific contracted service to the extent of any inconsistency.

Questions concerning these Terms and Conditions, Sagson Portal services, transactions or accounts may be directed to:

Sagson Portal
Email: info@sagsonportal.com
Website: Sagsonportal.com

United Kingdom Operation
Qualifications House UK (QHUK)
United Kingdom

United Arab Emirates Operation
Sagson Educational Portal
Ajman Free Zone
United Arab Emirates

Where an enquiry concerns a particular purchase, course, programme or contracted service, users should include their order, invoice, registration or contract reference where available.