Terms and Conditions

1Who we are and what these Terms cover

Regulab Academy (“Regulab Academy”, “we”, “us”) provides online, self-study continuing professional development (CPD) courses for compliance officers, AML officers, directors, lawyers and other regulated professionals through https://regulab.academy (the “Website”). These Terms and Conditions (the “Terms”) form the agreement between you and us whenever you create an account, enrol in a course or otherwise use the Website. Please read them together with our Privacy Policy.

By creating an account, ticking the acceptance box at checkout or using the Website, you confirm that you have read and accepted these Terms. If you do not accept them, please do not use the Website.

2Definitions

Course means any paid or free training programme we offer, including its lessons, videos, worked examples, downloads and knowledge check. Knowledge Check means the quiz at the end of a Course. Certificate means the CPD certificate we issue when you pass a Knowledge Check. Account means your personal login on the Website. Content means everything published on the Website, including text, legislation summaries, graphics, logos, videos, quiz questions and Certificates. Enrolment Period means the 12 months of access that start on the date you enrol in a Course.

3Who may use the Website

You must be at least 18 years old and able to enter into a binding contract. Our Courses are designed for professionals. If you enrol on behalf of a company, firm or other organisation, you confirm that you are authorised to bind it, and these Terms apply to that organisation as well as to you.

4Your account

You must give accurate and complete information when you register and keep it up to date. Your name on a Certificate is the name held on your Account, so please check it before you take a Knowledge Check; if a name is wrong, contact us before you sit the Knowledge Check so we can correct it.

Your Account is personal. You must not share your login with anyone, let another person study or sit a Knowledge Check in your name, or sell or transfer your access. You are responsible for all activity under your Account and must tell us promptly at contact@regulab.academy if you suspect that someone else has used it.

5Courses, prices and orders

Course descriptions, CPD units and prices are shown on the Website. Prices are in euro and include Cyprus VAT at the applicable rate unless we say otherwise. We may change prices and Course content at any time, but a change never affects an order you have already completed.

When you complete checkout you make an offer to buy the Course. A contract is formed when we send you an order confirmation or give you access to the Course, whichever happens first. We may decline or cancel an order, for example where a price was shown in error, where payment fails or where we reasonably suspect fraud or misuse; in that case we will refund anything you have paid for that order.

Payments are processed by third-party payment providers. We do not store your full card details. Receipts and invoices are available from your Account or on request.

6Access to Courses

Courses are delivered online and are self-paced. You get access for the Enrolment Period starting on the date you enrol. Access is for your own personal, non-transferable use. We do not run live sessions. If you do not finish within the Enrolment Period, access ends and we are not required to extend it, although you may ask us and we will consider reasonable requests.

You need a device, a modern browser and an internet connection. We aim to keep the Website available but do not promise uninterrupted access, and we may suspend it briefly for maintenance or security reasons.

7Knowledge Checks and Certificates

To receive a Certificate you must complete the Course and pass its Knowledge Check. The pass mark is 50%. Unless the Course says otherwise you may retake the Knowledge Check as often as you need within your Enrolment Period. Some Courses, such as the Board AML/CFT Accountability course, limit the number of attempts, and the limit is stated in the Knowledge Check outline; once the limit is reached, no further attempt is available.

A Certificate shows your name, the Course, the CPD units, the completion date, your score and a unique certificate number. You may share it with your regulator, professional body or employer, and we may confirm to them that it is genuine. We may withdraw a Certificate that was obtained through cheating, impersonation or any breach of these Terms.

8CPD and regulator acceptance

Regulab Academy is an independent training provider. We are not affiliated with, or endorsed by, any regulator, professional body or authority, including CySEC, the Cyprus Bar Association or the Seychelles Financial Services Authority. Whether a Course counts towards your annual CPD requirement is decided by your regulator, professional body or employer, not by us. Please confirm eligibility with them before you rely on a Course.

The CPD units shown for each Course are our own assessment of the study time involved. We do not guarantee that any regulator or body will accept them.

9Not legal advice

Course material is general training content built from legislation, regulations and guidance as at the date shown in each Course. Laws change and may be interpreted differently on particular facts. Nothing on the Website or in a Course is legal, regulatory, tax or financial advice or creates a lawyer-client relationship. You should take advice from a qualified professional about your own situation and check the current official texts before acting.

10Cancellation and refunds

10.1 Your 14-day cooling-off right (EU consumers). If you are a consumer in the European Union, you have a statutory right to cancel your order within a “cooling-off” period, without giving a reason. The period starts on the day your order is confirmed and the contract between you and us is formed (see clause 5) and ends at the end of the 14th calendar day after that date. If you change your mind and wish to cancel within this period, please tell us straight away by emailing contact@regulab.academy from the email address linked to your Account, giving your order number. Your right to cancel is subject to clause 10.2.

10.2 Starting a Course during the cooling-off period. Our Courses are digital and can start as soon as you pay. If you want your access to begin within the 14-day period, you must make an express request to that effect at checkout. By asking us to start the Course within the cooling-off period, you acknowledge and agree that:

• If the Course is fully performed within the 14 days (that is, you complete it and a Certificate is issued), you lose your right to cancel once it is complete.
• If you cancel after the Course has begun but before it is complete, you must still pay for the part of the Course supplied up to the moment you tell us you wish to cancel. That amount is calculated in proportion to the full price of the Course and the part of the Course you have already received, measured by your progress as recorded on your Account (the lessons you have opened or completed). Whatever you have paid above that amount is refunded to you.

If you did not ask for access to begin within the cooling-off period and you have not used the Course, you may cancel within the 14 days for a full refund with no deduction.

10.3 How and when we refund. Where a refund is due, we pay it to the original payment method without undue delay, and in any event no later than 14 calendar days after you tell us you wish to cancel.

10.4 After the cooling-off period. Once the 14 calendar days have passed, you can no longer cancel under this clause, and the Course is not refundable because the digital content has been supplied to you. This does not affect any right you have under applicable law that these Terms cannot reduce, our duty to refund you where we cancel an order or stop offering a Course (clauses 5 and 18), or any specific written terms agreed with a company or group buyer (clause 11). Closing your Account does not by itself entitle you to a refund (clause 18). Free Courses carry no charge and no refund.

11Group and company enrolments

If an employer or firm buys Courses for staff, the buyer is responsible for payment and for making sure each learner uses their own Account. Certificates are issued to the individual learner. Special pricing or terms agreed in writing with us apply in place of any conflicting term here.

12Acceptable use

You agree not to: copy, record, scrape, republish or sell Course material; share quiz questions or answers; use bots or automated tools on the Website; try to bypass access limits or security; upload unlawful, offensive or malicious material; or use the Website in a way that harms other users or us. We may suspend or close an Account that breaks these rules, without refund where the breach is serious.

13Intellectual property

We own, or are licensed to use, all Content on the Website. We build our Courses from public legislation and official texts, which remain the property of their respective authorities; our selection, explanations, examples, design, questions and Certificates are protected by copyright and other rights.

When you enrol we give you a limited, personal, non-exclusive, non-transferable licence to view the Course for your own professional development during your Enrolment Period. You may keep a Certificate and print or save study notes for personal use. All other use needs our written permission. Third-party names and logos belong to their owners and appear for identification only.

14Your feedback and comments

If you send us feedback, comments or suggestions, you allow us to use them to improve the Website and Courses without payment or credit. You remain responsible for anything you post, and you confirm that you have the right to post it.

15Privacy and your data

We handle personal data as described in our Privacy Policy. We use your data to run your Account, deliver Courses, issue Certificates, process payments, provide support and meet our legal obligations. Marketing emails are sent only where you have agreed or the law allows, and you can unsubscribe at any time.

16Links to other websites

The Website may link to regulators, legislation databases and other third-party sites. We do not control those sites and are not responsible for their content or availability. Links are not endorsements.

17Our responsibility to you

We will provide the Courses with reasonable skill and care. We do not promise that the Website will be error-free or always available, or that a Course will meet a specific regulatory expectation.

Nothing in these Terms limits liability that cannot lawfully be limited, including for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any rights you have as a consumer. Subject to that, we are not liable for indirect or consequential loss, loss of profit, business or reputation, or for decisions you make relying on Course material; and our total liability for any claim relating to a Course is limited to the price you paid for that Course.

18Suspension and termination

You may stop using the Website and close your Account at any time by writing to us; this does not by itself entitle you to a refund. We may suspend or end your access if you break these Terms, if we must do so by law, or if we stop offering a Course (in which case we will refund the unused portion of the price or offer an equivalent Course). Clauses that by their nature should continue, such as those on intellectual property, liability and governing law, continue after termination.

19Events outside our control

We are not responsible for delays or failures caused by events beyond our reasonable control, including power or internet failures, third-party platform outages, public health emergencies, strikes or government action.

20Changes to these Terms

We may update these Terms from time to time, for example to reflect changes in law or in our Courses. The version in force is the one shown on this page with its “last updated” date. If a change materially affects a Course you have already bought, we will tell you by email. Your continued use of the Website after a change means you accept the updated Terms.

21General

These Terms, together with our Privacy Policy and any order confirmation, are the entire agreement between you and us about the Website and the Courses. If any provision is found to be unenforceable, the rest remains in force. A delay in enforcing a right is not a waiver of it. You may not transfer your rights under these Terms without our consent; we may transfer ours to a successor of our business. Nobody other than you and us has rights to enforce these Terms. Official notices to you will be sent to the email address on your Account; notices to us should be sent to contact@regulab.academy.

22Governing law and complaints

These Terms and any dispute arising from them are governed by the laws of the Republic of Cyprus, and the courts of Cyprus have jurisdiction, without affecting any mandatory consumer rights you have to bring proceedings in the courts of your country of residence. If you are unhappy with anything, please write to contact@regulab.academy first; we will acknowledge your message and aim to resolve it fairly and promptly.

23Contact us

Regulab Academy, Cyprus. Email: contact@regulab.academy. Website: https://regulab.academy.