Terms of Service

Last updated: TODO — e.g. 1 January 2027

These Terms of Service ("Terms") are a binding agreement between you and TODO Ltd. ("LinkedStudy", "we", "us", "our"), the operator of linkedstudy.com and the LinkedStudy mobile applications (together, the "Platform").

Please read section 14 (Disputes) and section 11 (Limitation of liability) carefully. They affect your legal rights.

By creating an account, accessing or using the Platform, you agree to these Terms. If you do not agree, do not use the Platform.

1. Who we are and what the Platform does

LinkedStudy is a hosting platform. We provide software that lets independent creators ("Creators") run online communities, publish courses, host events and charge for access. We are not the author, publisher or seller of the content inside those communities.

We are a neutral intermediary. Content, courses, claims, promises and prices inside a community are the responsibility of the Creator who runs it, not LinkedStudy. We do not pre-screen, endorse, verify or guarantee any community, course, Creator or outcome.

2. Eligibility and accounts

2.1 Minimum age. You must be at least 16 years old to create an account. If you are between 16 and the age of majority where you live, you confirm that your parent or legal guardian has reviewed and agreed to these Terms on your behalf.

2.2 Under-16 users. The Platform is not directed to children under 16 and we do not knowingly collect personal data from them. If we learn that we hold an account belonging to a user under 16, we will terminate it and delete the associated personal data. To report such an account, contact [email protected].

2.3 Account security. You are responsible for everything that happens under your account. Keep your password confidential, use a unique password, and notify us at [email protected] immediately if you suspect unauthorised access.

2.4 Accuracy. You agree to provide accurate registration information and to keep it current. One person, one account. You may not sell, rent or transfer your account.

2.5 Suspension. We may suspend or terminate your account under section 12.

3. Your content

3.1 You own your content. You keep all ownership rights in the text, images, video, audio, files, course material and other material you upload or post ("Your Content"). These Terms do not transfer ownership of Your Content to us.

3.2 Licence you grant to us. To operate the Platform, you grant LinkedStudy a worldwide, non-exclusive, royalty-free, sublicensable and transferable licence to host, store, reproduce, modify (for formatting and technical purposes only), publicly display, publicly perform and distribute Your Content, solely for the purposes of:

• operating, maintaining and providing the Platform to you and the communities you post in;
• creating technical copies required for backup, caching, indexing, delivery and disaster recovery;
• producing thumbnails, previews, transcodes and format conversions;
• promoting the Platform, where Your Content is already publicly visible, unless you opt out by contacting [email protected].

This licence ends when you delete Your Content or close your account, except that (a) we may retain backup copies for a limited period as described in our Privacy Policy, (b) the licence survives where other users have lawfully retained copies, and (c) it survives for content you contributed to a community that continues to operate, to the extent needed to keep that community intact for its other members.

3.3 Your warranties. For everything you upload, you confirm that you own it or have all necessary rights, and that it does not infringe anyone's copyright, trademark, privacy, publicity or other rights, and does not breach our Acceptable Use Policy.

3.4 Feedback. If you send us suggestions or feedback about the Platform, we may use them without restriction or compensation.

4. Other people's content

4.1 No endorsement. The Platform contains content from Creators and members. We do not control it and do not endorse it. You use it at your own risk.

4.2 No professional advice. Content on the Platform is for general educational and informational purposes only. It is not professional advice. Nothing on the Platform is medical, legal, financial, investment, tax, psychological or career advice, and no Creator-member relationship on the Platform is a doctor-patient, lawyer-client or adviser-client relationship. Always consult a qualified professional before acting.

4.3 No earnings or results guarantee. Some communities discuss business, income, fitness, academic or personal results. Any results described are not typical and are not a promise, projection or guarantee of what you will achieve. Your results depend on factors we and the Creator do not control. LinkedStudy makes no representation that you will earn money, pass an exam, gain skills or achieve any other outcome.

4.4 Reporting. If you see content that breaks our Acceptable Use Policy, report it with the in-product report tool or email [email protected]. For copyright specifically, follow our Copyright Policy.

5. Acceptable use

Your use of the Platform is governed by our Acceptable Use Policy, which is incorporated into these Terms. In summary, you may not use the Platform to post illegal content, harass or abuse people, infringe intellectual property, run scams or spam, distribute malware, scrape or reverse engineer the Platform, or circumvent payment, security or access controls.

6. Payments, subscriptions and renewals

6.1 Who you are paying. When you pay to join a community or buy a course, you are buying access to a Creator's content. LinkedStudy acts as the Creator's limited payment collection agent and processes the payment through our payment providers. Your statutory consumer rights are unaffected.

6.2 Prices and currency. Prices are set by the Creator and shown before you pay, in the currency displayed at checkout. You are responsible for any bank, card, mobile money or currency conversion fees your provider charges.

6.3 Taxes. Prices may exclude VAT, GST or sales tax, which will be added where we are required to collect it. Creators are responsible for their own income and business taxes.

6.4 Recurring subscriptions. If you buy a subscription:

• it renews automatically at the end of each billing period (monthly or annual, as shown at checkout) at the then-current price, until you cancel;
• we will charge your saved payment method on each renewal date;
• you can cancel at any time from Settings, Payments, or by emailing [email protected];
• cancelling stops future charges; it does not refund the period already paid for, and you keep access until the end of that period;
• if we change the price, we will give you at least 30 days' notice before it takes effect, and you may cancel before then.

6.5 Free trials. Where a free trial is offered, we will tell you its length and the price that applies afterwards. Unless you cancel before the trial ends, it converts to a paid subscription automatically.

6.6 Failed payments. If a payment fails, we may retry it and may suspend your access until payment succeeds.

6.7 Refunds. Refunds are governed by our Refund Policy, which is incorporated into these Terms and sets out your statutory cancellation rights, including the EU/UK right of withdrawal where it applies.

6.8 Chargebacks. If you dispute a charge with your bank without contacting us first, we may suspend your account while we investigate. Please email [email protected] first, as most issues are resolved quickly.

7. If you are a Creator

Running a paid community makes you a seller with your own legal duties. Those are set out in our Creator Agreement, which is incorporated into these Terms and applies in addition to them. In summary: you set your own prices and content, you are responsible for delivering what you promise and for your own tax and consumer-law compliance, you receive payouts net of our fees, and you indemnify us for claims arising from your community.

8. Points, levels and virtual items

Points, levels, badges, streaks and leaderboard positions are a feature of the software. They have no monetary value, are not property, are not transferable, and cannot be exchanged for cash or anything of value. We may adjust, reset or remove them at any time, including to correct abuse or errors.

9. Our intellectual property

The Platform itself, including our software, source code, design, interfaces, logos, the name "LinkedStudy", and all related trademarks, belongs to TODO Ltd. and is protected by intellectual property laws.

We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the Platform as intended by these Terms. You may not:

• copy, modify, translate or create derivative works of the Platform;
• reverse engineer, decompile or disassemble it, except to the extent that applicable law expressly permits this despite this restriction;
• scrape, crawl, harvest or bulk-extract data from it, or use automated means to access it, without our written permission;
• remove or obscure any proprietary notices;
• use it to build, train or improve a competing product or any machine-learning model;
• use our name, logo or branding without our written permission.

10. Third-party services, AI features and beta features

10.1 Third parties. The Platform integrates third-party services for payment processing, email delivery, video conferencing, analytics and push notifications. Their own terms and privacy policies apply to their part of the service. We are not responsible for third-party services.

10.2 AI features. Some features use automated or AI systems, for example course assistants, quiz generation and thread summaries. AI output can be wrong, incomplete or misleading. Do not rely on it without checking. You remain responsible for anything you publish that was produced with AI assistance. We may process your content to provide these features as described in our Privacy Policy.

10.3 Beta features. Features labelled beta, preview or experimental are provided as-is, may change or be withdrawn, and are excluded from any service commitments.

11. Disclaimers and limitation of liability

11.1 Service provided "as is". To the fullest extent permitted by law, the Platform is provided "as is" and "as available", without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, accuracy and non-infringement. We do not warrant that the Platform will be uninterrupted, secure, error-free, or that any content is accurate.

11.2 Exclusion of indirect loss. To the fullest extent permitted by law, TODO Ltd., its directors, employees and agents will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost revenue, lost data, lost goodwill or business interruption, however caused and under any theory of liability, even if we were advised of the possibility.

11.3 Liability cap. To the fullest extent permitted by law, our total aggregate liability to you for all claims arising out of or relating to the Platform or these Terms will not exceed the greater of (a) the total amount you paid us in the 12 months immediately before the event giving rise to the claim, or (b) GHS 500.

11.4 Disputes between users. We are not a party to, and are not responsible for, disputes between you and a Creator or another member. You release TODO Ltd. from all claims, demands and damages arising out of such disputes.

11.5 What we do not exclude. Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under applicable law. Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you, and nothing here affects your non-waivable statutory consumer rights.

12. Suspension and termination

12.1 By you. You may stop using the Platform and delete your account at any time from Settings, Account. Deletion is described in our Privacy Policy.

12.2 By us. We may suspend or terminate your access, with notice where reasonably practicable, if you materially breach these Terms or the Acceptable Use Policy, if we are required to by law, if your account creates a security, legal or fraud risk, or if we discontinue the Platform. For serious breaches, including illegal content, fraud, threats of violence, or child safety violations, we may act immediately and without notice.

12.3 Repeat infringers. We terminate the accounts of repeat copyright infringers in appropriate circumstances, as described in our Copyright Policy.

12.4 Effect. On termination, your licence to use the Platform ends. Sections 3.2 (to the stated extent), 8, 9, 11, 13, 14 and 15 survive termination.

13. Indemnity

To the fullest extent permitted by law, you agree to indemnify and hold harmless TODO Ltd., its officers, directors, employees and agents from any claim, demand, loss, liability, damages, cost or expense (including reasonable legal fees) arising out of or related to: (a) Your Content; (b) your use of the Platform; (c) your breach of these Terms or any incorporated policy; (d) your violation of any law or of any third party's rights; and (e) if you are a Creator, your community, your courses and your dealings with your members.

14. Governing law and disputes

14.1 Governing law. These Terms are governed by the laws of the Republic of Ghana, without regard to its conflict-of-law rules.

14.2 Talk to us first. Before starting formal proceedings, you agree to contact us at [email protected] and give us 30 days to resolve the issue informally. Most disputes are settled this way.

14.3 Courts. Subject to section 14.4, you and we agree to the exclusive jurisdiction of the courts of Accra, Ghana.

14.4 Consumer protection. If you are a consumer resident in the European Union, the United Kingdom or another jurisdiction whose law gives you the right to bring proceedings in your local courts or to the protection of mandatory local consumer law, nothing in this section removes that right.

15. General

15.1 Changes to these Terms. We may update these Terms. For material changes we will give you at least 30 days' notice by email or in-product notice before they take effect. Continuing to use the Platform after that date means you accept the updated Terms. If you do not accept them, stop using the Platform and close your account.

15.2 Changes to the Platform. We may add, change or remove features. We will not materially reduce a paid feature you are actively paying for without notice and, where appropriate, a pro-rata refund.

15.3 Entire agreement. These Terms, together with the policies incorporated into them, are the entire agreement between you and us about the Platform.

15.4 Severability. If any provision is held unenforceable, the rest remains in force and the unenforceable provision is modified to the minimum extent needed to make it enforceable.

15.5 No waiver. Our failure to enforce a provision is not a waiver of it.

15.6 Assignment. You may not assign these Terms without our consent. We may assign them to an affiliate or in connection with a merger, acquisition or sale of assets.

15.7 Force majeure. We are not liable for failures caused by events beyond our reasonable control, including network or power failures, acts of government, natural disasters and third-party service outages.

15.8 Notices. We may send notices to the email on your account. You may send notices to [email protected].

Contact

TODO Ltd. TODO — street, city, country

• General support: [email protected]
• Legal: [email protected]
• Privacy: [email protected]
• Abuse and safety: [email protected]
• Copyright: [email protected]