Wisdom Times may contain personal opinions and other expressions of persons who may post in the forums, comments section or other sections, including but not restricted to such opinions, expressions and views of the authors or creators of articles, blog posts, stories, advice columns, quizzes and educational video courses etc., that are available to Users on Wisdom Times. Neither the User Content (as defined below) on Wisdom Times, nor any links to other websites or mobile applications, are screened, moderated, approved, reviewed or endorsed by Wisdom Planet. By posting to or viewing such forums, you agree that Wisdom Planet is not responsible or liable for the content of any postings therein. Wisdom Planet reserves the right (but not the obligation) to remove any content from such forums in its discretion. Wisdom Times may include hyperlinks to platforms/ web pages maintained or controlled by others. Wisdom Planet is neither responsible for nor routinely screens, approves, reviews or endorses the contents of or use of any of the products or services that may be offered at these third party platforms/web pages.
(b) Prohibited Content includes the following content:
- Content that defames, harasses or threatens others;
- Content that discusses illegal activities with the intent to commit such activities, or encourages others to commit such activities;
- Content that infringes or misappropriates another’s intellectual property rights, including, but not limited to, copyrights, trademarks or trade secrets;
- Content that you do not have the right to disclose under contractual confidentiality obligations or fiduciary duties;
- Material that contains obscene (i.e., pornographic) language or images;
- Advertising, promotional materials, or any form of commercial solicitation;
- Content that otherwise harms other Users or visitors to Wisdom Times;
- Content that is otherwise unlawful or that violates any applicable local, state, national or international law;
- Content that probes, scans, or tests the vulnerability of any system or network;
- Content that plants malware or otherwise uses Wisdom Times to distribute malware;
- Content that breaches or otherwise circumvents any security measures; and
- Content that interferes with or disrupts any User, host, or network, for example by sending a virus, overloading, flooding, spamming, or mail-bombing any other User or part of Wisdom Times.
(d) User Content shall mean any information, text, or materials you (or any other User) upload, including without limitation, any information, text or materials you post on Wisdom Times’ public forums.
(e) User Information shall mean any information provided by the User including but not limited to name, nationality, date of birth, telephone number, email address, physical address, bank account information and credit/debit card information.
(f) Services shall mean and refer to services on Wisdom Times, including but not limited to access to online courses, video guides, work sheets, journals, audio files etc., that are made available to Users by Wisdom Times upon payment of a subscription fee, whether annual, monthly, one-time fee or otherwise
(g) “Subscription Term” shall mean the duration for which the User is entitled to receive the Services.
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- You understand that apart from offering to its Users free access to information such as articles, blog posts, quizzes, stories, quotes and to connected discussion forums. Wisdom Times also offers to its Users, certain Services. In order to subscribe to and access the Services you must sign up, register and establish a User account for which you will be required you to provide User Information (“Account’).
- You understand and agree that the Services are designed and intended for the specific use of registered Users and that you will not share your Account details and User Information with any other entity or individual.
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- You represent that you have all rights required to provide the information that you may provide to Wisdom Times, including the User Information and represent that the same will be true and accurate.
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(d) You understand and agree that Wisdom Planet may, in its sole discretion, terminate your access to Wisdom Times without notice and you waive any right to claim access to Wisdom Times or any other claim that you may have. Any data of your usage may be retained or deleted at Wisdom Planets’ sole discretion.
(e) You agree that the User Information uploaded can be used and viewed by other third parties who access Wisdom Times.
(f) You understand that Wisdom Times shall adhere to reasonable security measures deemed by Wisdom Times to be appropriate for the provision of the Services, including, without limitation, using reasonable measures to secure your information from unauthorized access and modifications. Such security measures shall be no less stringent than the measures used by Wisdom Times to secure its own information. You will not take any action that will cause a breach of the security measures used by Wisdom Times.
3. Permitted Uses
(a) Wisdom Times is to be used for the purposes of using and accessing articles, blog posts, stories, quizzes, quotes and connected discussion forums and subscribing to the Services which amongst other provide Users access to online courses, video guides, worksheets, journals, audio guides and other educational content.
(c) You will use Wisdom Times and any information available in accordance with all applicable laws and regulations.
(d) You agree to download only that material/content, expressly identified as being downloadable by Wisdom Times, such as journals and worksheets.
4. Prohibited Use
In relation to the use and access of Wisdom Times its content and features, you agree and undertake not to:
(a) Engage in unlawful copying, distribution or resale of content hosted on Wisdom Times;
(b) Upload, transmit or publish any information on behalf of a third party, including any User Information of any person other than you, and more specifically, you will not impersonate another person;
(c) Upload, transmit or publish any information or material which constitutes Prohibited Content, anywhere on Wisdom Times;
(d) Violate the privacy of any person;
(e) Upload, transmit or publish any viruses or other malware, to corrupt, interrupt, limit, destroy or otherwise impact either Wisdom Times’ and/or Wisdom Planets’ computer systems, or the computer systems of other Users or third party systems;
(f) Upload transmit or publish anything which you do not have the rights to or any material which infringes the intellectual property rights (in whatever form) of any third party;
(h) Access Wisdom Times in any unauthorized manner, including by hacking or using log in credentials of any other User;
(i) Use Wisdom Times for any unauthorized marketing purposes or for sending any unsolicited materials;
(j) Provide any third parties with access to the Services;
(k) Re-sell, grant any rights to third parties to the Services, lease, time-share, lend or rent the Services;
(l) Download video courses or any parts thereof. ,
5. Intellectual Property
You agree and understand that:
(a)The contents of Wisdom Times including but not limited to the content of the articles, blog posts, quizzes, quotes, online courses, video guides, worksheets, journals, audio files, information, logos, designs, databases, arrangement of databases, user interfaces, response formats, software, audio, pictures, logos, icons, are the sole property of Wisdom Planet or its licensors as the case may be. All intellectual property in and to Wisdom Times and its contents and functionalities shall vest solely with Wisdom Planet or its licensors. The content of the Services, whether or not downloadable and including but not limited to worksheets, journals, audio and video content, may not be shared with any third party.
(c) To the extent required, you grant to Wisdom Planeta non-exclusive, royalty free, worldwide, transferable, sub-licensable right to host, display, demonstrate, publicly perform, use, reproduce, format, and distribute any materials, trademarks, trade names and other forms of your intellectual Property which you have provided Wisdom Planet.
(d) You have no right to make any copies of the whole or part of Wisdom Times or any of the contents therein.
(e) You have no rights to remove, modify (including removing any copyright notices or proprietary markings) any part of Wisdom Times save for any User Information that belongs to you.
(f) You have no right to use any search mechanisms other than that provided on Wisdom Times and you will not use any web-crawler or any data harvesting tools to harvest data of any sort from Wisdom Times.
(g) You grant Wisdom Planet a fully transferable, worldwide, perpetual, royalty-free and non-exclusive license to use, distribute, sublicense, reproduce, modify, adapt, publicly perform and publicly display any User Content provided by you. To the extent that you provide User Content, you represent and warrant to Wisdom Planet that (i) you have all necessary rights, licenses and/or clearances to provide and use User Content and permit Wisdom Planet to use such User Content as provided above; and (ii) such User Content does not and will not infringe or misappropriate any third party rights (including without limitation privacy, publicity, intellectual property and any other proprietary rights, such as copyright, trademark and patent rights) or constitute a fraudulent statement or misrepresentation or unfair business practice.
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(d) YOU EXPRESSLY ACKNOWLEDGE THAT WISDOM TIMES/ ITS STAFF AND CONTENT PROVIDERS HAVE NO PROFESSIONAL EXPERTISE/QUALIFICATIONS IN GIVING BUSINESS ADVICE, CAREER ADVICE AND/OR FINANCIAL ADVICE OR GUIDANCE.. WISDOM TIMES WILL IN NO WAY BE RESPONSIBLE FOR ANY OUTCOME/ RESULTS OF USING /FOLLOWING ANY SUCH ADVICE OR INFORMATION THAT YOU MAY ACCESS/VIEW/SUBSCRIBE TO ON WISDOM TIMES AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR THE SAME. YOU UNDERSTAND AND ACKNOWLEDGE THAT ANY SUCH ADVICE AND GUIDANCE IS FOR GENERAL INFORMATIONAL PURPOSES ONLY AND THE SAME IS PREPARED WITHOUT TAKING INTO ACCOUNT YOUR CIRCUMSTANCES, OBJECTIVES FINANCIAL SITUATION AND/ OR PERSONAL NEEDS.
(e) SUBJECT TO APPLICABLE LAWS, WISDOM PLANET HEREBY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, IN RELATION TO WISDOM TIMES, ITS CONTENTS AND FUNCTIONALITIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WHERE APPLICABLE LAWS DO NOT PERMIT THE DISCLAIMER OF WARRANTIES TO THE EXTENT DETAILED ABOVE, THE SAID WARRANTIES ARE DISCLAIMED TO THE MAXIMUM LIMIT PERMITTED BY APPLICABLE LAW.
(f) Wisdom Planet reserves the right to remove any contents on Wisdom Times.
(g) Wisdom Times may contain links to third party Platforms. Wisdom Planet shall not be responsible in any manner for the contents of these third party Platforms and if you should choose to use the link to view the third party Platforms, you choose to do so at your own risk. Wisdom Planet does not endorse the contents nor in any manner represent the accuracy or correctness of information on such third party Platforms.
7. Usage fee
(a) You agree to pay applicable fee, as determined by Wisdom Planet corresponding to the specific Services that you wish to access for the applicable Subscription Term (“Subscription Fee”). Wisdom Planet reserves the right to change the Subscription Fee with prior written notice to you. Unless otherwise expressly stated, all fees, once paid, are non-cancellable and non-refundable. All fees are stated in United States dollars (USD).
(b) You agree to provide Wisdom Planet valid, up-to-date and complete credit/debit card, contact and billing details. Wherever the Subscription Fees or other charges are payable on a monthly interval, you further authorize Wisdom Planet to charge such credit/debit card on the “Effective Date” and appropriate “Renewal Dates” for the fee due for the Subscription. If, for any reason, your credit/debit card company or bank refuses to pay the amount billed for the Services, you agree that Wisdom Planet may, suspend or terminate your subscription to the Services and require you to pay the overdue amount by other means acceptable to Wisdom Planet. In the event legal action is necessary to collect any outstanding amounts due from you to Wisdom Planet, you agree to reimburse Wisdom Planet for all expenses incurred by Wisdom Planet to recover sums due, including legal and attorney expenses. All fees are stated in United States dollars (USD).
(c) Wisdom Times does not provide refunds for courses purchased as one-time payments or through our annual/monthly subscription paths. All sales of Courses are final.
(d) International Transaction fee: If you experience any international transaction fee for your payments, this is because Wisdom Planet is a United States (US) based company. Some foreign credit cards and banks have accounts that will impose such additional fees – for which Wisdom Planet is neither responsible nor liable. If you have a credit card that does not charge for these fees, please consider using this card to avoid additional charges. If you do not have a card that exempts you international transactions fees, please contact your bank for additional details.
(e) Any fee paid for the use of the Services is exclusive of all applicable taxes.
(f) Wisdom Times offers to its Users the facility of gifting certain subscription plans or product offers whether annual/monthly or otherwise, to family members or friends.
(g) The Subscription fee is paid in advance for use and access to the Services and shall be valid only for the duration of the subscription or plan opted for by you without regard to your actual usage of Wisdom Times or termination of your membership anytime during such period.
(h) The Subscription fee may be paid via online transfer using the link provided on Wisdom Times to a third party payment gateway.
(j) If you choose to make payment online, you shall be bound by the terms and conditions of the third party payment gateway service provider. Wisdom Planet shall not be liable for any acts or omission of the third party payment gateway service provider.
9. Limitation of Liability
IN NO EVENT SHALL WISDOM PLANET BE LIABLE FOR ANY LOSS OF DATA, OR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, TORT OR OTHER DAMAGES, HOWEVER CAUSED, WHETHER OR NOT IT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Wisdom Planet takes matters related to intellectual property rights and privacy very seriously. Should you have any complaints regarding Wisdom Times, including but not limited to abuse and misuse of Wisdom Times, copyright infringement and the like, or any issues related to data privacy please report the same to us.
Please provide your name, email address, physical address and contact numbers so that Wisdom Planet may be in a position to verify details or check the authenticity of the complaints.
11. Copyright Policy
If you believe in good faith that materials on Wisdom Times infringe your copyright, you (or your agent) may send us a notice requesting that the material be removed, or access to it blocked. Please note that there can be penalties for false claims under the DMCA.
The notice must include the following information: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (b) identification of the copyrighted work claimed to have been infringed (or if multiple copyrighted works located on Wisdom Times are covered by a single notification, a representative list of such works); (c) identification of the material that is claimed to be infringing or the subject of infringing activity, and information reasonably sufficient to allow Wisdom Planet to locate the material on Wisdom Times; (d) the name, address, telephone number, and email address (if available) of the complaining party; (e) a statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (f) a statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Notices must meet the then-current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright for details. Notices and counter-notices with respect to Wisdom Times should be sent to: PO Box 41894, Sacramento, CA 95841
(b) Force Majeure: in no event shall Wisdom Planet be liable for any acts beyond its control or for any acts of god.
(c) Access: Wisdom Planet does not make any claim that Wisdom Times and its contents may be lawfully viewed or accessed in the jurisdiction you are viewing it in. You are solely responsible for complying with laws applicable to you.
(d) Notice for California Users: Under California Civil Code Section 1789.3, California Website users are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 N. Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210.
(f) Geographic Restrictions: Any material/content that is available on Wisdom Times from time to time may be subject to United States export controls. No material/content from Wisdom Times may be downloaded or exported (a) into (or to a resident of) any country which the United States has embargoed goods; or (b) by any individual prohibited from doing so whether by way of a binding legislation, government order or otherwise. By downloading any material or content from Wisdom Times, you represent and warrant that you are not in, under the control of, or a national or resident of any such county or on any such list. Although Wisdom Times may be accessible worldwide, Wisdom Planet makes no representation that materials or content on Wisdom Times is appropriate or available for use in your jurisdiction, and accessing the same from territories where such contents/material is illegal, is prohibited. Those who choose to access Wisdom Times do so at their own risk and initiative and are responsible for compliance with local laws. Any offer for any product/service and/or information made in connection with the use of Wisdom Times is void where prohibited.
(h) Assignment: You may not assign this Agreement or any part thereof without the prior written consent of Wisdom Planet.
Last Updated: May 25, 2020