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Terms of Use

Effective Date: December 1, 2024

1. Introduction

Welcome to Pacific Debt University (“PDU,” “we,” “our,” or “us”). By accessing or using our website, services, or content, you agree to comply with and be bound by these Terms of Use. If you do not agree, please refrain from using our website or services.

These Terms of Use constitute a legal agreement between you and Pacific Debt University. They govern your use of our website, including all features, tools, and educational resources available at pacificdebt.university.

2. Eligibility

  1. Minimum Age Requirement
    • You must be at least 18 years old or the legal age of majority in your jurisdiction to use this website. If you are under 18, you may only use the services with the supervision of a parent or guardian.
  2. Compliance with Laws
    • You agree to use the website and services in compliance with all applicable laws and regulations, including those related to privacy, data security, and intellectual property.
  3. Restrictions on Use
    • You may not use our website or services if you have been previously barred from doing so under applicable laws or by Pacific Debt University.

3. Use of Services

  1. Permitted Uses
    • You are granted a limited, non-exclusive, and revocable license to access and use the website for personal, non-commercial purposes.
    • Educational resources, tools, and content provided on the website are for informational purposes only.
  2. Prohibited Activities
    • You agree not to:
      • Engage in any activity that disrupts the website’s functionality or security.
      • Use the website for unlawful purposes or to solicit others to do so.
      • Copy, distribute, or exploit the website’s content without prior written permission.
  3. Intellectual Property Rights
    • All website content, including text, graphics, logos, and educational materials, is owned by or licensed to Pacific Debt University and protected by copyright and intellectual property laws.

4. User Accounts and Registration

  1. Account Creation
    • To access certain features or services, you may be required to create a user account. By creating an account, you agree to provide accurate, current, and complete information.
  2. Account Security
    • You are responsible for maintaining the confidentiality of your account credentials, including your username and password.
    • You agree to notify us immediately of any unauthorized access or breach of security concerning your account.
  3. User Responsibility
    • You are responsible for all activities conducted through your account. Pacific Debt University reserves the right to suspend or terminate accounts found in violation of these Terms of Use.

5. Content Ownership and Licenses

  1. Ownership of Website Content
    • All content provided by Pacific Debt University, including text, graphics, logos, and tools, is the exclusive property of PDU and/or its licensors. You may not copy, distribute, or create derivative works from our content without express written consent.
  2. User-Generated Content
    • If you upload or share any content on the website (e.g., comments, feedback, or contributions), you grant Pacific Debt University a non-exclusive, worldwide, royalty-free license to use, reproduce, and display the content for operational or promotional purposes.
    • You warrant that any content you provide does not infringe upon the rights of third parties.
  3. Limited License
    • You are granted a non-transferable, revocable license to use the website content for personal, non-commercial purposes in compliance with these Terms.

6. Payment and Subscription Terms (if applicable)

  1. Fees and Pricing
    • If certain courses or resources require payment, the fees will be clearly displayed at the time of purchase. Prices are subject to change at Pacific Debt University’s discretion.
  2. Billing and Payment
    • Payment must be completed through the methods provided on the website. By submitting payment, you agree to our pricing terms and any additional policies associated with specific courses or services.
  3. Refund Policy
    • Refunds, if applicable, will be issued in accordance with our Refund Policy, which will be made available on the website

7. Disclaimer of Warranties

  1. “As-Is” Basis
    • The website and all content, materials, and services are provided on an “as-is” and “as-available” basis without warranties of any kind, either express or implied.
  2. No Guarantees
    • Pacific Debt University does not guarantee that the website or its content will be accurate, reliable, error-free, or uninterrupted.
  3. User Responsibility
    • You acknowledge that any reliance on information or resources provided by the website is at your own risk.

8. Limitation of Liability

  1. Exclusion of Damages
    • Pacific Debt University shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the website or inability to access the website.
  2. Cap on Liability
    • To the fullest extent permitted by law, our total liability for any claims arising out of your use of the website will not exceed the amount paid by you (if any) for accessing the services.
  3. Exceptions
    • Certain jurisdictions do not allow the exclusion of certain warranties or limitations of liability. In such cases, our liability is limited to the minimum extent required by law.

9. Indemnification

  1. Your Agreement to Indemnify
    • You agree to defend, indemnify, and hold harmless Pacific Debt University, its affiliates, employees, and partners from any claims, damages, or liabilities arising out of:
      • Your use of the website
      • Your violation of these Terms of Use
      • Any content you provide that infringes on the rights of a third party
  2. Extent of Indemnity
    • This indemnification extends to reasonable legal fees and other costs incurred in defense of such claims.

10. Termination of Use

  1. Right to Terminate
    • Pacific Debt University reserves the right to suspend or terminate your access to the website or services at any time, with or without notice, for any violation of these Terms of Use or other applicable policies.
  2. User Responsibilities Post-Termination
    • Upon termination, your rights to use the website and its content will cease immediately.
    • You remain responsible for any obligations or liabilities incurred prior to termination.

11. Governing Law

  1. Jurisdiction
    • These Terms of Use are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles.
  2. Resolution of Disputes
    • Any disputes arising from these Terms or your use of the website will be resolved exclusively in the courts of the State of Delaware.

12. Changes to Terms of Use

  1. Right to Modify
    • Pacific Debt University may update or revise these Terms of Use at any time. Any changes will be effective immediately upon posting to the website.
  2. Notification of Changes
    • Significant changes will be communicated via the website or other appropriate channels.
  3. User Responsibility
    • It is your responsibility to review these Terms periodically to stay informed of updates. Continued use of the website constitutes acceptance of the revised Terms.

13. Contact Information

If you have any questions or concerns about these Terms of Use, please contact us at:

Email: [email protected]