Terms & Conditions

Introduction

Welcome to Hanaqaad Institute. These Terms & Conditions govern your use of the Hanaqaad website, platform, online courses, instructor services, payment services, certificates, webinars, competitions and other educational services provided through hanaqaad.com.

By creating an account, purchasing a course, becoming an instructor, accessing the platform or using any Hanaqaad service, you agree to these Terms.

Definitions

• Hanaqaad, we, us, or our means Hanaqaad Institute.
• Website means hanaqaad.com and related Hanaqaad services.
• Student, Customer, User, or you means a person accessing or purchasing Hanaqaad services.
• Instructor means a person creating, teaching or publishing courses through Hanaqaad.
• Course means online courses, lessons, training, videos, materials, webinars or educational products.
• Platform means the systems used by Hanaqaad to provide courses, accounts, payments, communication and certificates.

Acceptance of Terms

By using Hanaqaad, you confirm that:

• You have read and understood these Terms.
• You agree to comply with them.
• The information you provide is accurate.
• You will use the platform lawfully.
• You will not use Hanaqaad for fraud, abuse or piracy.

Hanaqaad's Role

Hanaqaad operates an educational platform that may provide online courses, educational materials, instructor-created content, student accounts, enrollment, payments, certificates, webinars, competitions and student support.

Courses may be created by Hanaqaad or by independent instructors.

Student Rights

Subject to these Terms and applicable law, students have the right to:

• Access courses they have validly purchased.
• Receive the educational service described at purchase.
• Receive reasonable platform support.
• Request refunds according to the Refund & Returns Policy.
• Have personal information handled according to the Privacy Policy.
• Receive certificates where applicable requirements are satisfied.
• Submit complaints.

Student Account

You are responsible for:

• Keeping login information secure.
• Providing accurate information.
• Not sharing your account.
• Not selling or transferring your account.
• Informing Hanaqaad if your account is compromised.

Account Sharing

A Hanaqaad student account is intended for the individual who purchased or was authorized to receive the course.

You may not share, sell, transfer or publish your account credentials or provide unauthorized course access.

Course Enrollment

Course access is normally activated after successful payment confirmation and verification.

Sending money or providing a receipt does not automatically guarantee course activation. Hanaqaad may verify the transaction before granting access.

Course Prices

Course prices may vary. Hanaqaad may change prices, offer discounts, coupons, bundles and limited-time promotions. The price displayed at the time of purchase normally applies to that transaction.

Payment Methods

Where available, Hanaqaad may accept:

• EVC Plus
• ZAAD
• eDahab
• Sahal
• Wallet services
• Visa
• Mastercard
• American Express
• Other payment methods made available by Hanaqaad

Payment Verification

Hanaqaad may verify transaction numbers, payment amounts, dates, payment status, customer accounts and other information reasonably necessary to confirm a payment.

Hanaqaad may delay activation until payment is verified.

Fraudulent Payments

Hanaqaad prohibits:

• Fake payment receipts.
• Stolen payment methods.
• Fraudulent transactions.
• Unauthorized payments.
• Manipulation of payment records.
• Chargeback abuse.
• Attempts to obtain courses without valid payment.

Refunds

Refunds are governed by Hanaqaad's Refund & Returns Policy.

Because courses are digital products, course access, viewing, downloading, copying, completion, certificates, fraud and other factors may affect refund eligibility.

Course Access After Refund

When a refund is approved, Hanaqaad may cancel enrollment, remove course access, disable downloads, revoke future updates and invalidate certificates where appropriate.

A customer who receives a refund may not continue using or distributing the refunded course.

Digital Course License

Purchasing a course gives the customer a personal, limited and non-transferable right to access the course for educational purposes.

You may not:

• Copy or resell the entire course.
• Share course videos.
• Upload course content elsewhere.
• Distribute course materials.
• Record and redistribute lessons.
• Sell downloaded materials.
• Provide unauthorized access.

Intellectual Property

Unless otherwise stated, Hanaqaad and/or the relevant content owner retain intellectual-property rights in website design, logos, branding, text, graphics, videos, course materials, software and platform features.

Nothing in these Terms transfers ownership of Hanaqaad intellectual property to a student.

Instructor Course Ownership

Unless a separate written agreement states otherwise, an instructor may retain ownership of original course materials they create.

By publishing a course through Hanaqaad, the instructor grants Hanaqaad the necessary rights and license to host, display, sell, deliver, market, store and operate the course through the platform.

Detailed ownership and licensing may also be governed by a separate Instructor Agreement.

Instructor Responsibilities

Every instructor must:

• Provide accurate course information.
• Deliver legitimate educational content.
• Respect intellectual-property rights.
• Avoid plagiarism.
• Avoid misleading claims.
• Protect student information.
• Follow Hanaqaad policies.
• Follow applicable laws.
• Maintain professional conduct.

Instructor Revenue Sharing

Where revenue sharing is enabled, course revenue will be allocated according to the applicable Hanaqaad revenue-sharing structure.

This structure may be changed for particular instructors, courses, promotions or written agreements where Hanaqaad and the instructor expressly agree otherwise.

Marketing and Operating Allocation

The revenue allocation supports the operation and growth of the platform.

• Advertising and social media marketing.
• Course promotion.
• Website hosting.
• Platform maintenance.
• Software and technical infrastructure.
• Payment processing.
• Video storage and delivery.
• Security and customer support.
• Administrative services.

The 10% Marketing allocation and 5% Operating & Payment Costs allocation are part of the overall 100% allocation and are not additional percentages added on top.

Instructor Withdrawals

An instructor may request a withdrawal when their available balance is at least $20 and the relevant income has remained on the platform for at least 3 days.

Withdrawal availability may be affected by refunds, chargebacks, payment disputes, fraud investigations, payment-provider delays or legitimate financial verification requirements.

Withdrawal Fees

Where a separate withdrawal or processing fee is configured, the applicable fee will be displayed or communicated to instructors.

A fee should not be deducted twice for the same transaction.

Refunds and Instructor Revenue

If a student receives a refund, the corresponding instructor revenue may be reversed or adjusted.

Hanaqaad may also adjust instructor balances for chargebacks, payment reversals, fraud or duplicate payment corrections.

Taxes

Each instructor is responsible for understanding and complying with tax obligations applicable to their income.

Hanaqaad may make legally required deductions or request information necessary for financial or tax compliance.

Instructor and Student Relationship

Students who enroll through Hanaqaad are customers of the Hanaqaad platform for the purpose of the platform transaction.

Instructors may interact with students for legitimate educational purposes but must comply with Hanaqaad rules concerning student information, payments, marketing, confidentiality and non-circumvention.

Student Information and Instructor Access

Instructors may receive limited student information where necessary for legitimate educational purposes.

Instructors must not:

• Sell student information.
• Transfer student information.
• Share student information without authorization.
• Use student data for unrelated commercial purposes.
• Add students to unauthorized marketing lists.
• Use Hanaqaad student information to promote competing services.
• Use student information to bypass Hanaqaad.

Non-Circumvention

An instructor must not use relationships, student information, customer contacts or opportunities obtained through Hanaqaad to deliberately bypass Hanaqaad's platform or commercial relationship.

This includes attempting to:

• Move Hanaqaad students to direct private payments.
• Sell the same course directly to Hanaqaad students outside the platform.
• Redirect students to another platform to avoid Hanaqaad's revenue arrangement.
• Encourage students to stop purchasing through Hanaqaad to avoid platform fees.
• Use Hanaqaad student lists to build a competing customer base.
• Otherwise deliberately circumvent Hanaqaad's commercial relationship.

This restriction does not prevent an instructor from working independently with people they already knew independently and did not obtain through Hanaqaad.

Other Platforms and Competition

Hanaqaad does not automatically prohibit instructors from working with other educational platforms unless a separate written agreement provides otherwise.

However, instructors may not use Hanaqaad student data, confidential information, customer lists, private analytics, payment information or internal business information for the benefit of a competitor.

Confidential Information

Confidential information may include:

• Student lists.
• Customer information.
• Payment information.
• Revenue and commission information.
• Private analytics.
• Marketing strategies.
• Internal business plans.
• Non-public platform information.
• Internal communications.
• Commercial agreements.
• Technical information.

Confidential information must be protected and must not be disclosed without authorization unless required by law.

Certificates

Hanaqaad may issue certificates when a student satisfies applicable course requirements.

A certificate does not automatically:

• Constitute government accreditation.
• Constitute university accreditation.
• Guarantee employment.
• Guarantee income.
• Guarantee professional licensing.

Webinars and Events

Hanaqaad may provide webinars, live classes, workshops, competitions and other educational events.

Hanaqaad may change event dates, instructors, schedules or formats where reasonably necessary.

Competitions

Where Hanaqaad offers student competitions, additional competition rules may apply.

Hanaqaad may establish eligibility requirements, deadlines, judging criteria, prizes and winner-selection procedures.

Prohibited Activities

Users must not:

• Commit fraud.
• Conduct unlawful activities.
• Hack or attack the platform.
• Circumvent security.
• Distribute malware.
• Steal course content.
• Share unauthorized course materials.
• Impersonate another person.
• Abuse payment systems.
• Manipulate reviews.
• Harass instructors or students.
• Upload illegal content.
• Infringe intellectual-property rights.
• Collect personal information without authorization.
• Circumvent course-access restrictions.

User-Generated Content

Users may submit reviews, comments, questions, assignments, feedback, images, course-related submissions or other content.

Users remain responsible for content they submit and must have the necessary rights to submit it.

Reviews and Feedback

Reviews should be honest and based on genuine experience.

Users must not:

• Submit fake reviews.
• Manipulate ratings.
• Threaten instructors for reviews.
• Offer fraudulent reviews.
• Impersonate another student.
• Deliberately publish misleading information.

Privacy

Hanaqaad collects and processes personal information according to its Privacy Policy.

The Privacy Policy explains information collection, usage, security, sharing, retention and applicable user privacy rights.

Third-Party Payment Services

Payments may be processed by third-party providers. These providers may have their own terms, privacy policies, fees, verification requirements and processing rules.

Hanaqaad is not responsible for delays or failures caused solely by third-party payment systems, except where applicable law provides otherwise.

Third-Party Services

The Website may rely on third-party services for payments, hosting, video delivery, analytics, email, messaging, security, software and authentication.

Website Availability

Hanaqaad aims to maintain reliable platform availability but does not guarantee that the Website will always be available, error-free or uninterrupted.

Services may be temporarily suspended for maintenance, security, updates, technical problems or emergencies.

Educational Disclaimer

Hanaqaad provides educational and training services. Course completion does not guarantee employment, business success, income, promotion, professional licensing, university admission or any particular career outcome.

Instructor Content Disclaimer

Instructor-created content represents the educational material of the relevant instructor unless Hanaqaad expressly states otherwise.

Hanaqaad may review or moderate content but does not necessarily guarantee that every statement made by an instructor is accurate, complete or current.

Account Suspension or Termination

Hanaqaad may suspend, restrict or terminate an account where reasonably necessary because of Terms violations, fraud, payment abuse, account sharing, course piracy, unauthorized access, student-data misuse, instructor misconduct, non-circumvention, security threats or illegal activity.

Effect of Termination

After termination, unauthorized access must stop, confidential information must remain protected, intellectual-property obligations continue and applicable payment and refund obligations remain governed by the relevant policies and law.

Limitation of Liability

To the extent permitted by applicable law, Hanaqaad will not be responsible for indirect, incidental, special or consequential losses arising from use of the platform.

Nothing in these Terms excludes liability that cannot legally be excluded or limited.

Indemnification

To the extent permitted by applicable law, a user may be responsible for losses, claims, damages or expenses arising from their violation of these Terms, fraudulent conduct, unauthorized use, intellectual-property infringement, misuse of student information or unlawful conduct.

Force Majeure

Hanaqaad will not be responsible for delays or failures caused by circumstances reasonably outside its control, including internet outages, telecommunications failures, natural disasters, war, civil unrest, government action, major cyber incidents, payment-provider outages or power failures.

Complaints and Customer Support

Customers may contact Hanaqaad regarding payments, refunds, course access, technical problems, instructor concerns, certificates, account issues or other platform matters.

Dispute Resolution

Hanaqaad encourages users and instructors to first attempt to resolve disputes through customer support.

Where a dispute cannot be resolved informally, it may be handled through the appropriate legal or dispute-resolution process available under applicable law.

Governing Law

These Terms are subject to applicable laws governing Hanaqaad and the relevant transaction.

Mandatory consumer-protection laws applicable to the customer will continue to apply where required.

Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

No Waiver

Failure by Hanaqaad to enforce a provision of these Terms does not mean Hanaqaad has permanently waived that provision.

Changes to These Terms

Hanaqaad may update these Terms from time to time. Updated versions will be published on the Website with a revised Last Updated date.

Where legally required, Hanaqaad may provide additional notice of material changes.

Entire Agreement

These Terms, together with the Privacy Policy, Refund & Returns Policy, Instructor Agreement, course-specific terms and other policies expressly incorporated into these Terms form the applicable agreement governing use of Hanaqaad services.

Where a separate written Instructor Agreement conflicts with general terms concerning the instructor relationship, the specific Instructor Agreement may control that relationship.

Assignment

Users may not transfer their Hanaqaad account or rights under these Terms to another person without authorization.

Hanaqaad may transfer or assign its rights and obligations where reasonably necessary for business operations, restructuring, merger, acquisition or legal compliance.

Contact Information

For questions concerning these Terms, contact Hanaqaad Institute.

Acceptance of Terms

By accessing Hanaqaad, creating an account, purchasing a course, enrolling in a course, becoming an instructor or otherwise using Hanaqaad services, you acknowledge that you have read and agree to these Terms & Conditions, subject to any mandatory rights provided by applicable law.