Terms and Conditions

Last updated: 2026-07-21 Effective: 2026-07-21

---

1. Agreement

By purchasing, accessing, or using any course or other digital product offered through courses.instilligent.com (each a "Course", together the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). The Service is provided by Instilligent Limited (NZBN: 9429041896853) ("we", "us", "our"), a company registered in New Zealand.

If you do not agree to these Terms, do not purchase or use the Service.

These Terms work alongside our Refund Policy, our Privacy Policy, and our Product Disclaimer (each published on courses.instilligent.com). Together they form the agreement between you and us. Where a Course is produced using AI tooling, the Product Disclaimer (§6 of that document) describes how that production pipeline works.

2. Description of Service

The Service consists of self-paced digital courses and related study material, delivered online through a third-party learning platform. A Course typically includes:

• A practice question bank with answer feedback;
• Written explanations and study notes;
• Any supplementary downloadable material noted on the Course's storefront page.

Each Course's storefront page is the primary description of what that Course contains. Where this description differs from anything else we publish, the storefront page applies.

We may add, update, withdraw, or change Courses at any time. If we materially reduce what an existing Course offers and you have already purchased it, we will give you reasonable notice and, where appropriate, offer a refund consistent with the Refund Policy and applicable consumer law.

3. Eligibility

To purchase or use the Service, you must:

• Be at least 18 years old, or have the consent of a parent or legal guardian who agrees to be bound by these Terms on your behalf;
• Be legally able to enter into a binding contract under the laws that apply to you;
• Be located in a country where Stripe processes payments and where it is lawful for you to receive the Service.

You are responsible for ensuring it is lawful for you to use the Service in your country.

4. Account and Access

To access purchased material you may need to create an account on the learning platform we use to deliver the Service. You agree to:

• Provide accurate registration information and keep it current;
• Keep your login credentials confidential;
• Notify us promptly at [email protected] if you believe your account has been accessed without your authorisation;
• Accept responsibility for activity that occurs under your account.

Access to a Course is personal to the account that purchased it — it is a single-seat licence. You may not share your login or transfer your access to another person. Corporate, team, or classroom sharing of a single login is a material breach of these Terms; multi-seat licensing is available on request via [email protected].

5. Pricing, Currency, and Payment

• All prices shown on the storefront are in New Zealand Dollars (NZD) unless explicitly stated otherwise.
• Where GST applies, prices are stated as inclusive of GST.
• Payment is processed by Stripe. By purchasing, you agree to Stripe's terms applicable to payers in your jurisdiction.
• We do not store full payment card numbers on our own systems.
• Currency conversion, foreign-transaction fees, or local taxes that your bank or card issuer may apply are your responsibility.

We may change prices for new purchases at any time. A price change does not affect a Course you have already purchased.

6. Delivery and Access

Each Course is a digital product delivered electronically. Access is normally provisioned immediately after Stripe confirms your payment.

Subject to these Terms and to the Refund Policy, your purchase grants you the right to access the Course material for your personal, non-commercial study for as long as we continue to make that Course available on the storefront. We do not promise perpetual or lifetime access. We may withdraw or replace a Course over time as set out in §2 and §10. Where we permanently withdraw a Course you have purchased and have not previously refunded, we will (a) give you at least 30 days' advance notice where practical, and (b) offer a partial refund based on the time elapsed since your purchase (e.g. if 60% of the typical access window has elapsed when we withdraw, we refund 40% of the price you paid) or a like-for-like replacement, at our reasonable discretion and consistent with the Refund Policy and applicable consumer law.

If a Course's storefront page uses the words "lifetime", "perpetual", or "permanent" in relation to access, that language overrides this paragraph for that specific Course; please bring any such promise to our attention if we ever fail to honour it.

We do not guarantee that purchased material can be downloaded for offline use. Where downloads are offered, they are provided for your personal study only and remain subject to the Intellectual Property terms below.

7. Intellectual Property

All Courses, including written content, practice questions, explanations, study notes, slides, narration, code samples, illustrations, branding, and any other material we publish, are owned by Instilligent Limited or licensed to us by their respective owners. They are protected by New Zealand and international copyright and other intellectual-property laws.

When you purchase a Course, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable licence to access and use that Course for your own private study.

You may not:

• Copy, reproduce, republish, upload, post, transmit, or distribute any Course material, in whole or in part, by any means;
• Resell, sublicense, rent, lease, share, or give access to a Course to any other person;
• Use Course material to train, fine-tune, or evaluate any machine-learning or artificial-intelligence model;
• Use Course material to build a competing product, a competing question bank, or any product that substitutes for the Course;
• Remove, obscure, or alter any copyright, trademark, or other proprietary notices;
• Use the Course material in any commercial training, teaching, or coaching activity without our prior written consent.

Where a Course includes our code samples or other materials we make available under a separate open-source or other licence, that separate licence governs those specific items and overrides this section to that extent.

Note on AI-assisted production: Course material is produced using an automated AI pipeline operated by Instilligent Limited. The production method does not change the ownership position above — Course material is owned by Instilligent Limited and licensed to you on the terms set out in this section. See the Product Disclaimer §6 for a fuller description of the AI-assisted production pipeline and the limitations that come with it.

Machine-readable AI-training signals: The contractual prohibition on AI-training use binds you as a purchaser. To also signal our position to non-purchaser systems (crawlers, scrapers, third-party model-training pipelines that never accept these Terms), we publish machine-readable directives on courses.instilligent.com including robots.txt rules and per-page noai / noimageai meta tags indicating that automated retrieval of Course material for model training is not permitted. Compliance with those signals is required in addition to this section.

If you believe any Course material infringes someone else's intellectual property, contact us at [email protected].

8. Acceptable Use

When using the Service or any account we provide, you agree not to:

• Attempt to gain unauthorised access to the Service, other users' accounts, or the systems of our service providers;
• Use the Service to send malicious code, spam, or unlawful material;
• Use the Service in a way that interferes with other users' ability to use it;
• Use any automated tool to scrape, copy, harvest, or download Course material in bulk;
• Use the Service to engage in fraud, deception, money laundering, or any unlawful activity;
• Misrepresent your identity, affiliation, or qualifications when interacting with us or with the learning platform.

We may suspend or terminate access for users who breach this section.

9. Third-Party Platforms and Services

The Service relies on third-party providers, including the learning platform that hosts Course content and the payment processor (Stripe). Your use of those platforms is also governed by their own terms and privacy policies. We are not responsible for the acts, omissions, downtime, or content of third-party platforms beyond our reasonable control, except where the law makes us responsible.

10. Termination

You may stop using the Service at any time. Where applicable, you can request closure of your learning-platform account by emailing [email protected].

We may suspend or terminate your access to a Course or to the Service, with or without notice, if:

• You materially breach these Terms. A "material breach" includes (without limitation) sharing your access credentials with another person, redistributing or republishing Course material in whole or in part, bulk-scraping Course content, using Course material to train a machine-learning model, attempting to gain unauthorised access to the Service, fraudulent payment activity, or any breach that has a material adverse effect on us or on other users — see the Acceptable Use and Intellectual Property sections for the underlying obligations;
• We reasonably suspect fraudulent, abusive, or unlawful activity from your account;
• We are required to do so by law or by a competent authority;
• We permanently discontinue the Course or the Service.

If we terminate your access for material breach of these Terms (other than because we have withdrawn a Course), we are not obliged to refund any amount you have paid, except where consumer law requires us to.

If we terminate your access because we have withdrawn a Course you have purchased, or for reasons not caused by your breach, we will offer a refund proportionate to the unused or undelivered portion, consistent with the Refund Policy.

11. Disclaimers

To the maximum extent permitted by law, the Service and all Course material are provided "as is" and "as available". We do not promise that:

• The Service will be uninterrupted, error-free, or available at any specific time;
• Course material is free of mistakes or omissions;
• Use of the Service will result in any particular outcome, including passing any examination, obtaining any certification, or gaining any qualification.

Practice exams and study material are study aids and not a substitute for studying official source material, attending official training, or sitting an official examination. You remain responsible for your own preparation and your own decisions.

See the separate Product Disclaimer for more detail, including our position on third-party trademarks and the absence of any affiliation, endorsement, or partnership with any third party unless explicitly stated.

12. Consumer Rights

If you purchase a Course as a consumer under the New Zealand Consumer Guarantees Act 1993 ("CGA"), you have statutory rights that cannot be excluded, restricted, or modified by these Terms. Nothing in these Terms limits those rights.

For the purposes of these Terms, we treat every buyer as a consumer under the CGA, regardless of whether the purchase is for personal or business use. We are not contracting out of the CGA for business buyers. If your organisation requires a separate B2B agreement (with bulk licensing, custom invoicing, or other commercial terms that this consumer-style storefront doesn't support), contact us at [email protected].

The Fair Trading Act 1986 also applies. We do our best to describe the Service accurately and to avoid misleading or deceptive conduct.

13. Limitation of Liability

The limits in this section apply to the maximum extent permitted by law. They do not limit any rights you have under the New Zealand Consumer Guarantees Act 1993 or any other mandatory consumer-protection law — see §12 above. Where those mandatory rights and the limits below conflict, the mandatory rights prevail.

Subject to the above:

• We are not liable for any indirect, incidental, consequential, special, or punitive damages, including loss of profits, loss of revenue, loss of opportunity, loss of data, examination failure, or loss of business, however caused.
• Our total aggregate liability to you in connection with a Course or with the Service, however arising (including in contract, tort, equity, or under statute), will not exceed the amount you have actually paid us in respect of the Course or transaction that gave rise to the claim (or, where no payment was made — for example, a free intro course — NZ$50, as a token cap).
• We are not liable for failures to perform caused by events outside our reasonable control, including outages of third-party platforms, internet failures, natural events, or government action.

13A. Chargeback Fees

If you initiate a chargeback through your card issuer or bank in respect of a Course purchase without first contacting us at [email protected] as set out in the Refund Policy §9, and the chargeback is ultimately upheld in our favour by Stripe (or is reversed by you after Stripe has imposed a chargeback fee on us), you agree that we may recover from you the chargeback fee Stripe charged us in respect of that chargeback (as published in Stripe's NZ pricing at https://stripe.com/nz/pricing at the time of the chargeback). We will not seek to recover where the chargeback was raised in good faith on a legitimate dispute and Stripe ruled against us. This clause is the contractual basis referred to in the Refund Policy §9.

14. Changes to These Terms

We may update these Terms from time to time. When we make a change, we will update the Last updated date at the top of this document, and where the change is material we will take reasonable steps to notify registered users (for example, by email or by a notice on the storefront).

Your continued use of the Service after a change takes effect constitutes acceptance of the updated Terms. If you do not accept a change, you must stop using the Service. Material changes do not apply retrospectively to Courses you have already purchased — the version of the Terms in force at the time of your purchase continues to apply to that purchase, except where the change is required by law.

15. Governing Law and Disputes

These Terms are governed by the laws of New Zealand. You agree to submit to the non-exclusive jurisdiction of the New Zealand courts.

International consumers — mandatory home-court rights preserved. Nothing in these Terms deprives you of the right to bring a claim in your home courts under the mandatory consumer-protection laws of your country of residence. In particular:

• If you are a consumer residing in Australia, the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010) applies and the consumer guarantees in sections 54–62 cannot be contracted out of. Section 13 of these Terms is subject to ACL §64A in respect of Australian consumers.
• If you are a consumer residing in the United Kingdom, the Consumer Rights Act 2015 and Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 apply.
• If you are a consumer residing in the European Union, the Consumer Rights Directive 2011/83/EU and your country's mandatory implementing law apply.
• In other jurisdictions, your local mandatory consumer law applies in addition to these Terms.

We encourage you to contact us first at [email protected] before commencing any formal dispute. We will engage in good faith to resolve complaints promptly.

16. Severability and Entire Agreement

If any part of these Terms is found by a court to be unenforceable, the remaining parts continue in full force. These Terms, together with the Refund Policy, the Product Disclaimer, and the Privacy Policy (each published on courses.instilligent.com), form the entire agreement between you and us in relation to the Service, and supersede any prior representations or agreements.

17. Contact

For questions about these Terms, please contact:

• Email: [email protected]
• Company: Instilligent Limited (NZBN: 9429041896853)
• Registered office: Auckland, New Zealand

---

*This document, together with the Refund Policy, Privacy Policy, and Product Disclaimer published on courses.instilligent.com, constitutes the full agreement for purchasers.*