Welcome to E-Work Academy (SkillStream Hub). By accessing or using our website and services, you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully before proceeding.

1. Eligibility 1.1. You must be at least 18 years old to use our services. 1.2. By using our services, you represent and warrant that you have the legal capacity to enter into a binding agreement.
2. Course Enrollment and Access 2.1. Upon enrollment in a course, you will be granted access to the course materials for the duration specified in the course description. 2.2. You are solely responsible for maintaining the confidentiality of your account login information and for all activities that occur under your account.
3. Payment and Refunds 3.1. Course fees are non-refundable once you have been granted access to the course materials, except as provided in our Refund Policy. 3.2. We reserve the right to modify course fees at any time without prior notice.
4. Intellectual Property 4.1. All course materials, including but not limited to text, graphics, logos, images, and software, are the property of E-Work Academy or its content suppliers and are protected by international copyright laws. 4.2. You may not reproduce, distribute, modify, or create derivative works of any course materials without our prior written consent.
5. User Conduct 5.1. You agree to use our services only for lawful purposes and in a manner that does not infringe upon the rights of others. 5.2. You are prohibited from engaging in any form of harassment, hate speech, or discrimination within our community.
6. Limitation of Liability 6.1. We strive to provide accurate and up-to-date information, but we make no warranties or representations as to the accuracy, reliability, or completeness of our course materials. 6.2. In no event shall E-Work Academy be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with the use of our services.
7. Governing Law and Dispute Resolution 7.1. These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction]. 7.2. Any disputes arising out of or in connection with these Terms shall be resolved through arbitration in accordance with the rules.
8. Amendments 8.1. We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting the revised Terms on our website.