General Policies for MENA CONSULTANT CLUB

1. Definitions

_{“Company,” “we,” “us,” “our” means MENA CONSULTANT CLUB.
“Subscriber,” “you,” “your” means the individual or entity purchasing a subscription.
“Services” means all courses, trainings, communities, digital products, and related materials provided under a subscription.
“Billing Date” means the date on which the subscription fee is charged each cycle.
“Subscription Cycle” means the recurring period (e.g., annual) for which fees are billed.}

2. Scope & Acceptance

_{By purchasing or renewing a subscription, you agree to be bound by these Terms & Conditions, including the Refund Policy and Cancellation Policy below. If you do not agree, do not use or continue using the Services.}

3. Subscription, Billing & Payment

_{3.1 Fees. Subscription fees are due in full on the Billing Date for each Subscription Cycle unless stated otherwise in writing.
3.2 Currency. Unless specified, all prices are in USD. Any currency conversion or transfer fees are your responsibility.
3.3 Taxes. Fees exclude all applicable taxes, duties, or government charges. You are responsible for such amounts.
3.4 Payment Method. You authorize us (or our payment processor) to charge the card or payment method you provide for all fees and applicable taxes. You represent that you are authorized to use that payment method.
3.5 Declined/Failed Payments. If a payment fails, we may suspend or terminate access until full payment is received. Late payments may incur administrative charges.}

4. Auto‑Renewal

_{4.1 Automatic Renewal. Subscriptions renew automatically at the end of each Subscription Cycle unless cancelled in accordance with Section 5.
4.2 Price Changes. We may change fees for future cycles with prior notice. Continued use after notice constitutes acceptance. If you do not agree, cancel before the applicable deadline.}

5. Cancellation Policy

_{5.1 When You Can Cancel. You may request cancellation at any time. However, to stop the next renewal charge, your written cancellation request must reach us no later than seven (7) calendar days before the next Billing Date.
5.2 Effect of Late Cancellation. Requests made fewer than seven (7) days before the Billing Date will apply to the following cycle. The upcoming cycle will still be billed and payable.
5.3 How to Cancel. Submit a written request (email or portal form, as instructed by us). We will confirm receipt within a reasonable timeframe. Your cancellation is effective only upon our confirmation.}

6. No-Refund Policy

_{6.1 No Refunds. To the maximum extent permitted by applicable law, all subscription fees are final and non‑refundable once charged on the Billing Date (initial or renewal).}

_{6.2 Charge Errors Only. If you believe you were charged in error (e.g., duplicate billing), you must notify us in writing within five (5) business days of the Billing Date. Verified errors will be corrected by credit, reversal, or service credit at our sole discretion.}

_{6.3 Chargebacks. Initiating a chargeback contrary to this policy may be treated as a breach. We reserve the right to dispute unjustified chargebacks and to recover associated scheme or administrative fees.}

7. Chargebacks & Disputes

_{Chargebacks & Disputes Chargebacks & Disputes 7.1 Contact Us First. If you believe a charge is incorrect, contact us in writing before initiating a chargeback.
7.2 Unauthorized Chargebacks. If you file a chargeback without a valid basis under these Terms, you remain liable for the fee and any associated costs, penalties, or scheme fees passed on to us.
7.3 Set‑Off. We may offset any owed amounts against future payouts or services, to the extent permitted by law.}

8. Access & Use of Services

_{8.1 License. Upon payment, you receive a limited, non‑exclusive, non‑transferable license to access the Services for your personal or internal business use during the Subscription Cycle.
8.2 Prohibited Uses. You may not share login credentials, resell, redistribute, or publicly post any content without written permission.
8.3 Conduct. You agree not to engage in abusive, harassing, defamatory, or unlawful behavior within our platforms or communities.}

9. Intellectual Property

_{All content, materials, trademarks, and logos are owned by the Company or its licensors. No ownership rights transfer to you. Any unauthorized use is prohibited.}

10. Confidentiality & Data Protection

_{10.1 Confidential Information. Any non‑public information disclosed by either party must be kept confidential and used solely for the purpose of the subscription.
10.2 Data Handling. We process your personal data in accordance with applicable law. Payment card data is handled by our payment processors; we do not store full card numbers or CVV codes.
10.3 Security. You are responsible for maintaining the confidentiality of your account credentials.}

11. Disclaimers

_{11.1 No Guarantee of Results. The Services provide educational content and guidance; outcomes depend on your implementation. We do not guarantee specific results or earnings.
11.2 “As Is.” Services are provided “as is” and “as available,” without warranties of any kind, whether express or implied, to the fullest extent permitted by law.}

12. Limitation of Liability

_{To the maximum extent permitted by law: (a) our total aggregate liability for all claims relating to the Services shall not exceed the fees actually paid by you to us for the Subscription Cycle in which the claim arose; and (b) we shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages.}

13. Indemnity

_{You agree to indemnify and hold harmless the Company, its officers, employees, and agents from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of your breach of these Terms, misuse of the Services, or violation of applicable law.}

14. Force Majeure

_{We are not liable for any delay or failure to perform due to events beyond our reasonable control (including but not limited to natural disasters, war, terrorism, labor disputes, governmental actions, internet failures, or utility outages).}

15. Amendments

_{We may update these Terms from time to time. We will provide notice of material changes. Continued use of the Services after notice constitutes acceptance. If you do not agree, cancel in accordance with Section 5.}

16. Governing Law & Dispute Resolution

_{16.1 Governing Law. These Terms are governed by the laws of ________ (insert jurisdiction).
16.2 Dispute Resolution. Any dispute shall first be attempted to be resolved amicably. Failing that, disputes shall be submitted to the competent courts of ________ (insert venue), to the exclusion of any other forum, unless mandatory law provides otherwise.}

17. Notices

_{All notices must be in writing and delivered to the addresses or emails provided by each party. Notices are deemed received when actually delivered or, for email, when sent without bounce-back.}

18. Entire Agreement & Severability

_{These Terms (including policies mentioned herein) constitute the entire agreement between the parties and supersede all prior understandings. If any provision is found invalid, the remainder shall remain in force.}

19. Acceptance

_{By checking an “I agree” box, clicking “Purchase,” or otherwise indicating assent, you acknowledge you have read, understood, and agree to be bound by these Terms & Conditions, the Refund Policy, and the Cancellation Policy.}

Quick Reference (Non-Binding Summary)

Refunds: None. All fees are final once charged (subject only to mandatory law and verified billing errors).

Cancellation: Must be received ≥7 days before the next Billing Date to stop the next charge.

Auto-Renewal: Yes, until you cancel properly.

No-sharing: Your access is personal/non-transferable.

Liability Cap: Limited to fees paid for the relevant cycle (to the extent allowed by law).

Support Email: [email protected]
Website: menaconsultantclub.com