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. Every product is sold by its creator, so your purchase is a contract between you and them. We take the payment, give you access, and step in when something goes wrong (see refunds). We are not responsible for the content or quality of a product; 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.
• 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.

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

If a creator misled you about a product before you bought it, you will 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

If you cannot open a file or play a video, we will ask the creator to repair or replace it. If they do, there is no refund. If they do not, you will get a full 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.

How to ask

Email refunds@learnershq.com within 14 days of buying, with the product, the date you bought it and what is wrong. Messages between you and the creator are kept, and we may use them to decide.

• 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 in some countries proof of address.
• 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. Customers buy from you, so their contract is with you.
• 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 discount. 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.

There are no other charges. Your Earnings screen shows every fee against every sale.

Refunds

If a sale is refunded, we give back our platform fee in full. The card and exchange fees Stripe charged for that payment are not returned to us, so they stay with you and come off your earnings.

How you are paid

We pay you in pounds, euros or US dollars, once your earnings reach 100 US dollars or the same in your payout currency, into the bank, PayPal or Wise account you give us in your payment settings. The bank or service you choose may charge its own transfer or conversion fees.

Learners HQ Ltd is not registered for VAT or sales tax in any country at the moment, so today the price you set is the price the customer pays. If we register somewhere in future, the tax for that country will be added to the price at checkout for customers there, and shown before they pay; it is not taken from your earnings.

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 sale at any time. It cannot be deleted while a customer still has access through a subscription or a one-off purchase, because they have paid for it.
• 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.