Terms of service

These terms are a contract between you and Learners HQ Ltd ("Learners HQ", "we", "us"), the company that runs Learners HQ. They apply when you browse Learners HQ, when you buy as a customer and when you sell as a creator. Sections 3 to 5 are mostly about buying; sections 6 to 10 are about selling.

How we handle your information is in our privacy policy.

• You must be 18 or over to open an account, whether you buy or sell. If you let somebody under 18 watch or use what you have bought, you are responsible for making sure it is suitable for them.
• Give us accurate details and keep them up to date.
• Keep your password to yourself. You are responsible for what happens on your account, and we are not liable for access to it that comes from a password you shared or failed to protect. Tell us straight away if you think somebody else has used it.

• Who you are buying from. Learners HQ sells every product on behalf of the creator who made it, so your purchase is a contract between you and Learners HQ. We take the payment, charge any tax that is due, give you access and handle refunds (see refunds). The creator makes the product and is responsible to us for it being as described; read its description and reviews before you buy.
• Prices and currency. A price may be shown and charged in your own currency, converted from the creator's at our current exchange rate. The amount on the checkout is the amount you pay.
• One-off purchases have no end date: you keep access to what you bought.
• Bundles give you every product in the bundle, on the bundle's terms.
• Receipts. We email you a receipt for every payment, and a credit note for every refund.
• Using what you bought. Your access is for you. Do not share your login, and do not copy, download beyond what the product allows, or pass on its content.

• A subscription is paid monthly, every three months or yearly, as shown when you buy it, and renews automatically until you cancel it.
• Cancel from Purchases, using the product's menu. You keep access until the end of the period you have already paid for, and are not charged again.
• You can change your mind and keep the subscription at any time before that date.
• If a renewal payment fails, we email you so you can update your card. Access to a subscription whose payments stop comes to an end.

How to ask

In Purchases, open the product's menu and choose Ask for a refund, within 14 days of paying. On a subscription, only its most recent payment can be refunded. Say what is wrong. Your request and every reply are in Purchases, under My cases, and we email you about each one.

What happens next

• The creator answers you first. They can refund you in full, offer part of the price back, or decline. An offer of part of it changes nothing unless you accept it.
• You can cancel your request at any time while it is open. You can ask once for each payment, so a request that is cancelled or decided cannot be made again.
• If it is not settled within 14 days of your request, or the creator declines, we decide. From then on the creator cannot act on it, and we reply in the same place.

How we decide

Digital content has to be of satisfactory quality: what a reasonable person would expect, given its description, its price and anything said about it.

• If a product was misleading about what it is before you bought it, you get a full refund. Depending on how serious it was, the creator may be warned or have their account closed.
• If a file or video is broken and the creator does not repair or replace it, you get a full refund. If they do, there is no refund.
• Otherwise, if a product is as described and of satisfactory quality, there is no refund, because you have already received what you paid for.

We read everything you and the creator wrote in the case. Our decision settles the request on Learners HQ; it does not affect your legal rights.

What a refund does

• The money goes back to the card you paid with, usually within 5 to 10 days, and we email you a credit note.
• A full refund ends your access to what was refunded. A refund of part of the price leaves you the product.
• On a subscription, any refund cancels it. After a full refund your access ends straight away; after a refund of part of it, your access lasts to the end of the period you paid for.

• Who can sell. Creators must be 18 or over, with no exceptions. Before we pay you, you verify your identity with Stripe: a photo of an ID document and a selfie, and, if you are in the US, proof of address. We cannot pay you anything until it is done.
• Your content stays yours. All rights to your products remain with you. You give us only the permission we need to host, show, sell and deliver them. Your files stay on our own servers; we do not send them to any other company to be processed.
• You are responsible for your products. You must own or have permission to use everything in them, describe them honestly, and keep them working. We sell them to customers on your behalf, so the customer's contract is with us and you are responsible to us for each product being as described.
• Refund requests. When a customer asks for a refund, you have 14 days to settle it with them in Customers, under Refunds: refund in full, offer part of the price back, or decline. If it is not settled in that time, or you decline, we decide it by the refund rules, and you can no longer act on it. We may record a warning on your account when a product was misleading or broken.
• Keeping what people bought. If you remove a video, audio or file from a product that customers have bought, we keep a copy of it, and we may put it back if the product is no longer what they paid for.
• Prices. You set your own prices, and there is no limit on what you can earn. The lowest price for a paid product is 1 in its currency (1 pound, dollar or euro), after any sale or discount, unless a discount code takes all of it off. You can also make products free.
• Landing pages. You can add your own code to landing pages. We cannot support it: if it does not work, fix it or remove it. Code meant to harm anybody gets the account closed.

What we take

• A platform fee of 8% of each sale.
• The card fee our payment provider, Stripe, charges for that payment, passed on at cost.
• A currency exchange fee, depending on the currency your customer pays in: none for pounds, 1% for US dollars or euros, and 2% for any other currency.

We make no other charges. Your Earnings screen shows every fee against every sale. Where VAT is charged on a sale, it comes off first, and our fee and your share are worked out on the rest.

Refunds

If a sale is refunded, we give back our platform fee on what was refunded: all of it for a full refund, and that share of it for a refund of part of the price. The card fee Stripe charged for that payment is not returned to us, so it stays with you and comes off your earnings; on a full refund, so does the exchange fee.

If a customer's bank takes a payment back in a dispute and decides for the customer, it comes off your earnings in the same way as a full refund, and their access ends. We tell you when a dispute is opened and when it is decided.

How you are paid

Money from each sale is held for 30 days from the payment, so that refund requests can be settled. In the first week of each month we pay you everything that is 30 days old or more by the 1st of that month, once your earnings reach 100 US dollars or the same in your payout currency, and once your identity is verified. Until then, it carries over to the next month. A sale with a refund request still open is held until the request is settled.

We pay you in pounds, euros or US dollars, by Wise, into the bank account or Wise account you give us on your Earnings screen. Wise's transfer fee comes off each payout, and your own bank may charge its own fees to receive or convert it.

Because Learners HQ sells your products, VAT and similar taxes on a sale are ours to charge and pay, in the countries where we are registered for them, by the country of the customer's card. You do not register for them yourself.

For each product and bundle, you choose whether your price includes VAT or has it added. If it has it added, the VAT for the customer's country is added at checkout and shown before they pay. If it includes VAT, the customer pays the price shown and the VAT comes out of it, before our fee and your share are worked out.

You are responsible for any tax on your own income from sales, including any penalties or interest.

Creators can connect their own tools, such as an email service, Make, Zapier or ManyChat, from Marketing. When you do:

• You are responsible for the tools you connect and for how you use your customers' details in them. Only send marketing to people who agreed to hear from you.
• Keep your API keys secret, and revoke any key you think has leaked.
• We send events on a best-effort basis. A delivery that fails is retried for about ten hours and then dropped, and we cannot guarantee it arrives.

• A creator can take a product off the market at any time, and put it back on sale whenever they like. It cannot be deleted while a customer still has access through a subscription or a one-off purchase, because they have paid for it: everybody who has it keeps it. Its subscriptions can be stopped from renewing, and each subscriber keeps access to the end of the period they have paid for.
• For the same reason, a creator account can only be closed once no customer still has access to its products.
• Customers can ask us to close their account at any time by emailing privacy@learnershq.com.

Learners HQ should be safe and welcoming for everybody on it.

• Treat people with respect. No discrimination, harassment, hate speech or threats.
• Protect your own safety and other people's. Do not share personal information that could put somebody at risk.
• Follow the law wherever you are.

These are not allowed anywhere on Learners HQ: firearms or weapons, or instructions for making anything harmful; violent or graphic material; sexually explicit content; drugs; spam, phishing, malware or viruses; misinformation; unsolicited advertising; scams, pyramid or Ponzi schemes; hacking or unauthorised access; plagiarism; and other people's sensitive personal information.

Only upload what you have the rights to, and do not share, download or pass on anybody else's content without permission. Creators own their products; everything else on Learners HQ belongs to us.

If you see something that breaks these terms or somebody's copyright, email report@learnershq.com or use our contact form. We rely on reports: we check the platform, but we cannot catch everything.

We can remove content, cancel orders, refuse service, or suspend or close an account when:

• it breaks these terms, including the content and conduct rules;
• it infringes somebody else's rights;
• there is a security risk, fraud or unauthorised access;
• the law requires it.

We try to be fair, and may warn you first, but we will act quickly when we need to protect people or the platform.

We are not liable for disputes between customers and creators, beyond the refund process in section 5.

We may update these terms. When we do, we change the date at the top, and if a change matters for how you use Learners HQ we will tell you by email or on the platform. Using Learners HQ after a change means you accept it.