<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">Welcome to IOLX (Interactive Online Learning
Experience). By accessing or using our platform, you agree to comply with and
be bound by the following terms and conditions. Please read them carefully.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">1. Acceptance of Terms<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">By registering, accessing, or using IOLX services, you
confirm that you have read, understood, and agree to these Terms and
Conditions, as well as our Privacy Policy. If you do not agree, you must not
use our platform.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">2. Eligibility<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">You must be at least 13 years old to use IOLX. Users
under 18 must have consent from a parent or guardian. By using the platform,
you represent and warrant that you meet this requirement.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">3. Account Registration<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">Users may need to create an account to access certain
courses or features.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">You are responsible for maintaining the
confidentiality of your account login credentials.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">You are responsible for all activity that occurs under
your account.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">You must provide accurate and up-to-date information
during registration.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">4. Use of Platform<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">IOLX grants you a limited, non-exclusive,
non-transferable right to access and use the platform for personal or
educational purposes only.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">You must not use the platform to:<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">Violate any applicable laws or regulations<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">Infringe intellectual property rights<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">Post harmful, offensive, or illegal content<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">Interfere with the platform’s security, operations, or
other users’ experience<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">5. Intellectual Property<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">All content, courses, software, and materials on IOLX
are the property of IOLX or its licensors.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">You may not reproduce, distribute, modify, or create
derivative works from any content without prior written permission.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">6. Payments and Refunds<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">Certain courses or certifications may require payment.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">Fees are non-refundable except as expressly stated in
the refund policy.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">Payments are processed securely through our approved
payment gateways.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">7. Disclaimers<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">IOLX provides educational content for informational
purposes and does not guarantee employment, income, or results.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">The platform and content are provided “as is” without
warranties of any kind, express or implied.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">8. Limitation of Liability<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">IOLX is not liable for any direct, indirect,
incidental, or consequential damages arising from your use of the platform.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">Users agree to indemnify and hold IOLX harmless from
any claims resulting from their actions on the platform.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">9. Termination<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">IOLX reserves the right to suspend or terminate
accounts for violations of these Terms, misconduct, or legal reasons.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">Termination does not waive your responsibility for
actions taken prior to termination.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">10. Changes to Terms<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">IOLX may update these Terms at any time.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">Users will be notified of significant changes, and
continued use of the platform constitutes acceptance of the updated Terms.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">11. Governing Law<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">These Terms are governed by the laws of [Insert
Country, e.g., Ghana], without regard to its conflict of laws principles.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">12. Contact<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">For questions or concerns about these Terms, contact
us at:<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">Email: [info@iolx.org](mailto:info@iolx.org)<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span lang="en-GH">Website: [www.iolx.org](http://www.iolx.org)<o:p></o:p></span></p>