1. Acceptance and Scope

These terms apply to all users, visitors, and others who access or use CognitPulseWave services. This includes but is not limited to:

• Educational content and course materials available on cognitpulsewave.com
• Interactive learning tools and assessment resources
• Communication channels including email correspondence and contact forms
• Any downloadable materials, templates, or supplementary resources we provide

Your use of our platform creates a binding agreement between you and CognitPulseWave. We operate from Gobong-ro, 32-9, Ilsandong-gu, Goyang-si, Gyeonggi-do, South Korea, and our services are subject to applicable Korean laws as well as international regulations where relevant.

2. User Accounts and Registration

Access to certain areas of our platform requires registration. When creating an account, you agree to provide accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials.

Account Responsibilities

• You must be at least 18 years old to register for an account
• All information provided during registration must be current and accurate
• You are solely responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized access or security breach
• Sharing account credentials with others is strictly prohibited

3. Educational Services and Content

Our platform provides educational content focused on valuation techniques for financial analysts. This content is designed for educational purposes and should not be construed as financial advice or professional consultation.

Course Enrollment and Access

When you enroll in our learning programs, you receive access to course materials for the duration specified at the time of enrollment. Course schedules and availability are subject to change based on educational requirements and platform updates.

• Programs typically commence in autumn 2025 or early 2026
• Course content may be updated periodically to reflect industry developments
• Access duration varies by program and is clearly stated during enrollment
• Technical requirements for optimal learning experience will be communicated

Content Usage Limitations

All educational materials, including but not limited to videos, documents, templates, and assessments, are protected by intellectual property rights. You may:

• Access and use materials for personal educational purposes
• Download materials explicitly marked as downloadable for offline study
• Reference our methodologies in professional work with appropriate attribution

You may not:

• Reproduce, distribute, or sell any course materials without written permission
• Share access credentials or course content with non-enrolled individuals
• Use automated tools to scrape or download bulk content from our platform
• Modify, create derivative works, or reverse engineer our educational content

4. Payment and Refund Policy

Certain services and educational programs require payment. All fees are stated clearly before enrollment and are processed through secure payment systems.

Payment Terms

• All prices are displayed in the applicable currency and include any mandatory taxes
• Payment must be completed before accessing paid educational content
• We accept payment methods as indicated during the checkout process
• Subscription services, where applicable, renew automatically unless cancelled

Refund Conditions

Refund requests are evaluated on a case-by-case basis. Generally, refunds may be considered if:

• Technical issues prevent access to course materials and cannot be resolved
• Request is made within 14 days of purchase and minimal content has been accessed
• Course content significantly differs from what was advertised at enrollment

Refunds are typically not provided after significant course content has been accessed or if a program has commenced. Contact us at contact@cognitpulsewave.com to discuss specific circumstances.

5. Intellectual Property Rights

All content on CognitPulseWave, including text, graphics, logos, videos, software, and educational materials, is the property of CognitPulseWave or its content creators and is protected by copyright, trademark, and other intellectual property laws.

Our Rights

We retain all rights, title, and interest in our platform and its content. The CognitPulseWave name, logo, and associated branding are our trademarks and may not be used without explicit written permission.

User-Submitted Content

When you submit content to our platform (such as forum posts, project submissions, or feedback), you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and display that content for educational and platform improvement purposes. You retain ownership of your original work but warrant that:

• You have the right to submit the content
• The content does not infringe on third-party rights
• The content complies with applicable laws and these terms

6. User Conduct and Prohibited Activities

To maintain a productive learning environment, all users must adhere to acceptable conduct standards. The following activities are strictly prohibited:

General Prohibitions

• Harassing, threatening, or intimidating other users or staff members
• Posting or sharing offensive, discriminatory, or inappropriate content
• Attempting to gain unauthorized access to platform systems or other user accounts
• Uploading viruses, malware, or other malicious code
• Engaging in any activity that disrupts platform functionality or user experience
• Impersonating other individuals or entities
• Collecting or harvesting personal information from other users

Academic Integrity

We value honest learning and expect users to maintain academic integrity. This means:

• Completing assessments independently unless collaboration is explicitly permitted
• Not sharing answers or solutions to graded assignments with other students
• Properly citing sources when referencing external materials in project work
• Not using unauthorized aids during examinations or timed assessments

7. Privacy and Data Protection

Your privacy matters to us. We collect and process personal information in accordance with our Privacy Policy and applicable data protection regulations. By using our platform, you consent to such collection and processing as described in our Privacy Policy.

Key points regarding data handling include:

• We collect information necessary to provide educational services and improve user experience
• Personal data is stored securely and protected against unauthorized access
• We do not sell personal information to third parties
• You have rights regarding your personal data, including access and deletion requests

For detailed information about our data practices, please review our separate Privacy Policy document.

8. Disclaimers and Limitations

Educational Purpose Disclaimer

Our educational content is designed to enhance understanding of valuation techniques for financial analysts. However, completion of our programs does not guarantee specific career outcomes, employment, or professional certification. Individual results depend on various factors including prior knowledge, effort invested, and market conditions.

Service Availability

While we strive to provide consistent access to our platform, we do not guarantee uninterrupted or error-free service. Platform availability may be affected by:

• Scheduled maintenance and updates
• Technical difficulties beyond our control
• Internet connectivity issues on the user's end
• Force majeure events affecting our operations

Limitation of Liability

To the maximum extent permitted by law, CognitPulseWave shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our platform. This includes but is not limited to loss of data, loss of profits, or business interruption.

Our total liability for any claims related to our services is limited to the amount you paid us in the twelve months preceding the claim.

9. Termination and Suspension

Either party may terminate this agreement under certain conditions:

Your Rights to Terminate

You may close your account at any time by contacting us at contact@cognitpulsewave.com. Closing your account does not automatically entitle you to a refund for unused portions of paid services unless otherwise specified in our refund policy.

Our Rights to Terminate

We reserve the right to suspend or terminate your access to our platform if:

• You violate these Terms of Use or other platform policies
• Your account remains inactive for an extended period
• We suspect fraudulent or illegal activity associated with your account
• Required by law or regulatory authorities
• We discontinue offering certain services

Effects of Termination

Upon termination of your account:

• Your access to course materials and platform features will cease
• Any outstanding fees remain payable
• Provisions of these terms that by their nature should survive termination will continue to apply
• We may retain certain data as required by law or legitimate business purposes

10. Third-Party Links and Services

Our platform may contain links to third-party websites, services, or resources that are not owned or controlled by CognitPulseWave. We provide these links for convenience but do not endorse or assume responsibility for their content, privacy practices, or services.

When you access third-party resources:

• You leave our platform and are subject to the third party's terms and policies
• We are not responsible for any damages or losses caused by third-party services
• You should review the third party's terms of service and privacy policy
• Any transactions with third parties are solely between you and that third party

11. Modifications to Terms and Services

CognitPulseWave reserves the right to modify these Terms of Use at any time. When we make significant changes, we will notify you through:

• Email notification to the address associated with your account
• Prominent notice on our platform homepage
• In-platform notification upon your next login

Your continued use of our services after such modifications constitutes acceptance of the updated terms. If you do not agree with the changes, you should discontinue using our platform and contact us to close your account.

Service Modifications

We may also modify, suspend, or discontinue any aspect of our services at any time, including course offerings, features, or technical specifications. We will make reasonable efforts to notify users of significant service changes that may affect their learning experience.

12. Governing Law and Dispute Resolution

These Terms of Use are governed by and construed in accordance with the laws of the Republic of Korea. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts located in Goyang-si, Gyeonggi-do, South Korea.

Informal Resolution

Before initiating formal legal proceedings, we encourage you to contact us to seek an informal resolution. Many concerns can be addressed quickly through direct communication with our team.

Time Limitation

Any claim or cause of action arising from your use of our services must be filed within one year after the claim arose, or it will be permanently barred.

13. General Provisions

Entire Agreement

These Terms of Use, together with our Privacy Policy and any additional terms presented at the time of enrollment, constitute the entire agreement between you and CognitPulseWave regarding your use of our services.

Severability

If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

No Waiver

Our failure to enforce any right or provision of these terms will not be deemed a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of CognitPulseWave.

Assignment

You may not assign or transfer these terms or your account to any other person or entity. We may assign our rights and obligations under these terms to any party at our discretion.

Language

These terms are written in English. Any translations provided are for convenience only, and the English version shall prevail in case of any discrepancies.