1. Introduction

These Terms govern your use of Zenova Pay and its courses. By accessing our website, you agree to these Terms.

2. Use of Website

• You must be at least 16 years old to create an account.
• You agree not to use the site for unlawful purposes.
• Login credentials must be kept confidential.

3. Course Enrollment & Access

• Upon purchase, you get non-transferable access to the course materials.
• Sharing your account or course content is strictly prohibited.

4. Payments & Refunds

• All payments are processed securely.
• Refunds are only issued under our Refund Policy (displayed separately on the website).

5. Intellectual Property

• All course materials, videos, and resources are owned by Zenova Pay or its instructors.
• You may not copy, distribute, or resell our content without written permission.

6. Limitation of Liability

We make no guarantees about course outcomes. We are not responsible for losses caused by misuse of our content.

7. Changes to Terms

We may update these Terms from time to time. Continued use of the website after updates means you accept the changes.