3. Subscription Plans

• We currently offer:

• 3-month access (auto-renews every 3 months)
• 12-month access (auto-renews every 12 months

• Subscriptions are automatically renewed unless cancelled.

• You can cancel or update your payment method at any time from your dashboard. If you cancel, you will continue to have access until the end of your billing period and will not be charged again.

4. Payments

• Payments are processed through:

• Stripe for payments in GBP (£).
• Razorpay for payments in INR (₹), available only for customers in India. Our official India partner for INR payments is SymSra Services (symsra.com).

• Pricing may vary between countries (for example, different pricing for India).

5. Refund Policy

• All payments are final. We do not offer refunds once payment has been made.

• This policy is in place because:
• Our platform contains a large amount of copyrighted video and digital content.
  
• Once a user gains access, digital content cannot be “returned.”
  
• To protect the value of our courses and prevent misuse, refunds are not possible.
  
• You can cancel future renewals at any time (see Section 3), but past payments cannot be refunded.
  

6. Lifetime Access Plans

• From time to time, we may offer lifetime access to our academy.
  
• Lifetime access includes all video lessons and self-study materials.
  
• It does not include live lessons or access to the student community.
  
• AI-powered tools will be available but may be subject to limits, as we bear ongoing API costs.
  
• Lifetime means for the lifetime of the platform and service operated by POC Learning LTD.
  

7. User Responsibilities

• Your account is personal. You must not share, resell, or transfer access to others.

• All content (videos, materials, AI outputs, and tools) is copyrighted and belongs to POC Learning LTD.

• You may not copy, distribute, record, or use our content for any commercial purpose without permission.

8. Results Disclaimer

• We provide tools, lessons, and materials to help you learn English. However, your progress depends on your own effort and practice. We do not guarantee specific results, exam scores, or outcomes.

9. Limitation of Liability

• Our platform is provided “as is” and “as available.”
  
• We are not responsible for interruptions, delays, or issues caused by third-party providers (e.g., Stripe, Razorpay, AI services, or internet connectivity).
  
• To the maximum extent permitted by law, POC Learning LTD will not be liable for indirect, incidental, or consequential damages.

10. Governing Law

• These Terms & Conditions are governed by the laws of the United Kingdom. Any disputes will be handled under UK jurisdiction.