Terms and conditions
These terms govern use of Skoulio.ch, including diagnostics, recommendations, courses, programs, mentoring, live sessions, events, downloads and user dashboards.
Accounts and access
Users must keep login credentials secure. Paid or approved access is personal and may not be shared, transferred or resold without written permission from Skoulio.
Courses, events and mentoring
Content, live links, replays, documents, quizzes, assignments and certificates are provided according to the purchased or approved offer. Skoulio may update content, schedules or trainers when required.
Payments and invoices
Payments are handled by secure providers. Access is activated after payment confirmation or administrator approval. Invoices and certificates are available in the user dashboard where applicable.
Intellectual property
Videos, worksheets, templates, diagnostics, recommendations, designs and other content remain the property of Skoulio or its licensors. Unauthorized redistribution is prohibited.
Limitation
Skoulio provides educational and coaching support. Results depend on individual participation and context. No content constitutes legal, medical, tax or regulated financial advice.