Last Updated: 18 July 2025

Welcome to TOOLZO SERVICES LIMITED. These Terms of Service (“TOS”) govern your use of the PG-Courses platform (https://pg-courses.com/), including all content, online courses, and services provided by TOOLZO SERVICES LIMITED (Reg. number HE446335, 59 Nikou Pattichi, 3070, Limassol, Cyprus, email: [email protected]). By accessing or using PG-Courses, whether or not you are a registered user, you agree to be legally bound by these TOS and our Privacy Policy. If you do not understand or do not wish to be bound by these TOS or the Privacy Policy, you should not use PG-Courses.

TOOLZO SERVICES LIMITED reserves the right to modify these TOS at any time. Significant changes will be notified to users via email (to the address associated with your account) or a notice on the PG-Courses website at least 14 days before they take effect, unless immediate changes are required by law. Non-significant changes will take effect immediately upon posting on this page, with an updated effective date. By continuing to access PG-Courses after any changes, you signify your agreement to the modified TOS. For users in Turkey, a Turkish-language version of these TOS is available upon request at [email protected].

Any version of these TOS in a language other than English is provided for convenience. You understand and agree that the English-language version will control if there is any conflict, except where a Turkish-language version is required for users in Turkey under Law No. 6502 on Consumer Protection.

These TOS are organized as follows:

  • Rules for Online Conduct
  • Strictly Prohibited Items
  • User Accounts
  • Right to Withdraw (EU and Turkey)
  • Your Right to Use Content on PG-Courses
  • User Postings
  • Certificates and Other Products & Services
  • Trademarks
  • Digital Millennium Copyright Act
  • Disclaimers of Warranty / Limitations of Liabilities
  • Indemnification
  • Additional Terms
  • Complaints and Dispute Resolution

Rules for Online Conduct

You agree that you are responsible for your own use of PG-Courses and for your User Postings. “User Postings” means all content submitted, posted, published, or distributed on PG-Courses by you or other users, including but not limited to forum posts, notes, questions, comments, videos, and file uploads. You agree to use PG-Courses in compliance with these TOS, the Privacy Policy, and all applicable local, state, national, and international laws, rules, and regulations, including copyright laws, any laws regarding the transmission of technical data exported from your country of residence, and all export control laws, including the European Union’s General Data Protection Regulation (GDPR) and Turkey’s Personal Data Protection Law No. 6698 (KVKK).

As a condition of your use of PG-Courses, you will not use the platform in any manner intended to damage, disable, overburden, or impair any TOOLZO SERVICES LIMITED server or the network(s) connected to any TOOLZO SERVICES LIMITED server or to interfere with any other party’s use and enjoyment of PG-Courses. You may not attempt to gain unauthorized access to PG-Courses, other accounts, computer systems, or networks connected to any TOOLZO SERVICES LIMITED server through hacking, password mining, or any other means. You may not obtain or attempt to obtain any materials or information stored on PG-Courses, its servers, or associated computers through any means not intentionally made available through PG-Courses. If you are a registered user, you will not share your password or let anyone else access or compromise your account.

Furthermore, you agree not to scrape or otherwise download in bulk any PG-Courses content, including but not limited to a list or directory of users, User Postings, user information, online textbooks, course materials, or trademarks and logos. You agree not to misrepresent or attempt to misrepresent your identity while using PG-Courses (although you are welcome to use an anonymous username in forums and to act in a manner that keeps your identity concealed).

Strictly Prohibited Items

The following items are strictly prohibited on PG-Courses:

  • Content that defames, harasses, or threatens others;
  • Content that discusses illegal activities with the intent to commit them;
  • Content that infringes another’s intellectual property, including, but not limited to, copyrights or trademarks;
  • Profane, pornographic, obscene, indecent, or unlawful content;
  • Advertising or any form of commercial solicitation;
  • Content related to partisan political activities;
  • Viruses, trojan horses, worms, time bombs, corrupted files, malware, spyware, or any other similar software that may damage the operation of another’s computer or property;
  • Content that contains intentionally inaccurate information or is posted with the intent of misleading others.

You may not submit, post, publish, share, or otherwise distribute any of the above Strictly Prohibited Items on or via PG-Courses.

User Accounts

To create a user account, you must provide your full name, an email address, and a password. You agree that you will never divulge or share access or access information for your user account with any third party for any reason. In setting up your user account, you may be prompted to enter additional optional information (e.g., your year of birth). You represent that all information provided by you is accurate and current. You agree to maintain and update your information to keep it accurate and current.

We care about the confidentiality and security of your personal information. Please see the Privacy Policy for more information about the collection and use of data on PG-Courses.

Right to Withdraw (EU and Turkey)

In accordance with EU Directive 2011/83/EU and Turkey’s Law No. 6502 on Consumer Protection, you have the right to withdraw from your purchase of a course within 14 calendar days from the date of purchase, provided you have not accessed the course materials (e.g., viewed content in your personal account or received materials via email). To exercise this right, you must notify us at [email protected] with your name, order number, and purchase date. If you have accessed the course materials, you expressly acknowledge that the service is considered fully performed, and you lose your right to withdraw. Refunds will be processed to the original payment method within 14 days of approval, subject to our Refund Policy. For more details, please refer to the Refund Policy at https://pg-courses.com/refund-policy.

Your Right to Use Content on PG-Courses

Unless indicated as being in the public domain, the content on PG-Courses, including course materials such as videos, texts, exams, and other instructional materials, is protected by Cypriot, European, and international copyright laws. These materials are provided for your personal, non-commercial use only in connection with the courses purchased on PG-Courses. You may not copy, reproduce, distribute, modify, or resell any course materials without prior written consent from TOOLZO SERVICES LIMITED. Unauthorized use may result in termination of your access to PG-Courses.

Certain reference documents, digital textbooks, articles, and other information on PG-Courses are used with the permission of third parties, and use of that information is subject to certain rules and conditions, which will be posted along with the information. By using PG-Courses, you agree to abide by all such rules and conditions. You agree to retain all copyright and other notices on any content you obtain from PG-Courses. All rights in PG-Courses and its content, if not expressly granted, are reserved.

Use for Personalization and Pedagogical Improvements
Our goal is to provide current and future visitors to PG-Courses with the best possible educational experience. To further this goal, we may present different users with different versions of course materials or software to personalize the experience (e.g., to assess the learner’s level of ability and learning style) and to improve our understanding of the learning process and the effectiveness of our course materials, payment models, platform features, and offerings. We may publish or otherwise publicize results from this process, but, unless permitted under the Privacy Policy, those publications will not include your personal information.

User Postings

User Postings Representations and Warranties
By submitting or distributing your User Postings, you affirm, represent, and warrant (1) that you have the necessary rights, licenses, consents, and/or permissions to reproduce and publish the User Postings and to authorize TOOLZO SERVICES LIMITED and its users to reproduce, modify, publish, and otherwise use and distribute your User Postings in a manner consistent with the licenses granted by you below, and (2) that neither your submission of your User Postings nor the exercise of the licenses granted below will infringe or violate the rights of any third party. You, and not TOOLZO SERVICES LIMITED, are solely responsible for your User Postings and the consequences of posting or publishing them.

License Grant to TOOLZO SERVICES LIMITED and the Members
By submitting or distributing your User Postings, you hereby grant to TOOLZO SERVICES LIMITED and its partners (collectively, the “Members”) a worldwide, non-exclusive, transferable, assignable, sublicensable, fully paid-up, royalty-free, perpetual, irrevocable right and license to host, transfer, display, perform, reproduce, modify, distribute, redistribute, relicense, and otherwise use, make available, and exploit your User Postings, in whole or in part, in any form and in any media formats and through any media channels (now known or hereafter developed).

Certificates and Other Products & Services

Generally
From time to time, TOOLZO SERVICES LIMITED and the Members may offer services and products for a fee, such as course or program certificates. For any purchase on PG-Courses, you agree to pay all applicable fees when due. As described in the Privacy Policy, the processing of your payment information is handled by a third-party payment vendor, and you will be routed to a secure payment flow controlled by that vendor to complete the transaction. Once your payment is completed, a confirmation page will be displayed, and you will receive a confirmation email to [email protected] with your name, order number, and payment amount. Please retain this email for your records, as this information will be required if you seek a refund, as described in the Refund Policy.

Certificates
TOOLZO SERVICES LIMITED may offer Certificates of Completion for courses or programs (e.g., a MicroMasters program certificate) for learners who, in TOOLZO SERVICES LIMITED’s judgment, have satisfactorily completed all course or program requirements. Certificates will be issued by TOOLZO SERVICES LIMITED. The decision to award a certificate is solely within the discretion of TOOLZO SERVICES LIMITED.

Trademarks

The “TOOLZO SERVICES LIMITED” names, logos, and seals are trademarks (“Trademarks”) of TOOLZO SERVICES LIMITED. You may not use any of these Trademarks, or any variations thereof, without prior written consent from TOOLZO SERVICES LIMITED. You may not use these Trademarks for promotional purposes or in any way that deliberately or inadvertently suggests a relationship with or endorsement by TOOLZO SERVICES LIMITED. All Trademarks not owned by TOOLZO SERVICES LIMITED that appear on PG-Courses are the property of their respective owners. Nothing on PG-Courses should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark without the written permission of the Trademark owner.

Digital Millennium Copyright Act

Copyright owners who believe their material has been infringed on PG-Courses should contact TOOLZO SERVICES LIMITED’s designated copyright agent at [email protected] or at:
TOOLZO SERVICES LIMITED
59 Nikou Pattichi, 3070, Limassol, Cyprus
Attention: Copyright Agent

Notification must include:

  • Identification of the copyrighted work or a representative list of works claimed to be infringed.
  • Identification of the material claimed to be infringing, with sufficient information to locate it (e.g., URL).
  • Contact information for the complaining party (e.g., email or phone number).
  • A statement that the complaining party believes the use of the material has not been authorized by the copyright owner or their agent.
  • A statement that the information in the notification is accurate and that the complaining party is authorized to act on behalf of the copyright owner.

Disclaimers of Warranty / Limitations of Liabilities

PG-Courses and any information, content, or services made available on or through PG-Courses are provided “as is” and “as available” without warranty of any kind (express, implied, or otherwise), including, without limitation, any implied warranties of merchantability, fitness for a particular purpose, and non-infringement, except insofar as such implied warranties may not be disclaimed under applicable law, including EU Directive 2011/83/EU and Turkey’s Law No. 6502 on Consumer Protection.

TOOLZO SERVICES LIMITED and its participants (collectively, “TOOLZO SERVICES LIMITED Participants”), including course providers, instructors, and their staff, do not warrant that PG-Courses will operate uninterrupted or error-free, that PG-Courses is free of viruses or other harmful components, or that the courses or content provided will meet your needs or expectations. TOOLZO SERVICES LIMITED and the TOOLZO SERVICES LIMITED Participants also make no warranty about the accuracy, completeness, timeliness, or quality of PG-Courses or any courses or content, or that any particular courses or content will continue to be made available.

Use of PG-Courses and the content and services obtained from or through PG-Courses is at your own risk. Your access to or download of information, materials, or data through PG-Courses or any reference sites is at your own discretion and risk, and you will be solely responsible for any damage to your property (including your computer system) or loss of data that results from the download or use of such material or data, unless otherwise expressly provided for in the Privacy Policy.

User Postings Disclaimer
You understand that when using PG-Courses, you will be exposed to User Postings from various sources and that neither TOOLZO SERVICES LIMITED nor the TOOLZO SERVICES LIMITED Participants are responsible for the accuracy, usefulness, reliability, or intellectual property rights of such User Postings. You further understand and acknowledge that you may be exposed to User Postings that are inaccurate, offensive, defamatory, indecent, or objectionable, and you agree to waive any legal or equitable rights or remedies you have or may have against TOOLZO SERVICES LIMITED or the TOOLZO SERVICES LIMITED Participants with respect thereto. Neither TOOLZO SERVICES LIMITED nor the TOOLZO SERVICES LIMITED Participants endorse any User Postings or any opinion, recommendation, or advice expressed therein. TOOLZO SERVICES LIMITED reserves the right to review User Postings and to edit or remove them, in whole or in part, at any time and for any reason.

Third-Party Services; Links to Other Websites
PG-Courses may integrate third-party services or include hyperlinks to websites maintained or controlled by third parties. TOOLZO SERVICES LIMITED and the TOOLZO SERVICES LIMITED Participants are not responsible for and do not routinely screen, approve, review, or endorse the contents or use of any third-party products or services. A list of such third parties, with links to their terms of use and privacy policies, is available at the TOOLZO SERVICES LIMITED Help Centre. If you access third-party services or linked websites, you do so at your own risk.

To the fullest extent permitted by applicable law, neither TOOLZO SERVICES LIMITED nor any of the TOOLZO SERVICES LIMITED Participants will be liable for any loss or damages, whether actual or consequential, arising out of or relating to these TOS, your use of or inability to use PG-Courses, your placement of content on PG-Courses, or your reliance upon information obtained from or through PG-Courses, whether your claim is based in contract, tort, statutory, or other law. This includes, but is not limited to, claims for defamation, errors, loss of profits, loss of data, or interruption in availability of data. However, this limitation does not apply to cases of willful misconduct or gross negligence, or where prohibited by applicable law, including EU Directive 2011/83/EU and Turkey’s Law No. 6502.

Certain country and state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply, and you may have additional rights.

Indemnification

You agree to defend, hold harmless, and indemnify TOOLZO SERVICES LIMITED, the TOOLZO SERVICES LIMITED Participants, and their respective subsidiaries, affiliates, officers, faculty, students, fellows, governing board members, agents, and employees from and against any third-party claims, actions, or demands arising out of, resulting from, or in any way related to your use of PG-Courses, including any liability or expense arising from all claims, losses, damages (actual and consequential), suits, judgments, litigation costs, and attorneys’ fees, of every kind and nature. In such a case, TOOLZO SERVICES LIMITED or the applicable TOOLZO SERVICES LIMITED Participant will provide you with written notice of such claim, suit, or action.

Additional Terms

Termination Rights; Discontinuation of Courses and Content
You agree that TOOLZO SERVICES LIMITED, in its sole discretion, may terminate your use of PG-Courses or your participation in it for any reason or no reason, upon notice to you. It is TOOLZO SERVICES LIMITED’s policy to terminate, in appropriate circumstances, the accounts of users who are repeat copyright infringers. TOOLZO SERVICES LIMITED and the TOOLZO SERVICES LIMITED Participants reserve the right at any time to cancel, delay, reschedule, or alter the format of any course offered through PG-Courses, or to cease providing any part or all of PG-Courses content or related services, and you agree that neither TOOLZO SERVICES LIMITED nor any of the TOOLZO SERVICES LIMITED Participants will have any liability to you for such actions, except as required by applicable law (e.g., refund rights under EU Directive 2011/83/EU or Turkey’s Law No. 6502). If you no longer desire to participate in PG-Courses, you may terminate your participation at any time. The rights granted to you hereunder will terminate upon any termination of your right to use PG-Courses, but the other provisions of these TOS will survive any such termination.

Entire Agreement
These TOS, together with the Privacy Policy and Refund Policy, constitute the entire agreement between you and TOOLZO SERVICES LIMITED with respect to your use of PG-Courses, superseding any prior agreements regarding your use of PG-Courses.

Waiver and Severability
The failure of TOOLZO SERVICES LIMITED to exercise or enforce any right or provision of these TOS shall not constitute a waiver of such right or provision. If any provision of these TOS is found by a court of competent jurisdiction to be invalid, the parties agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these TOS shall remain in full force and effect.

Choice of Law/Forum Selection
You agree that these TOS and any claim or dispute arising out of or relating to these TOS or any content or service obtained from or through PG-Courses will be governed by the laws of Cyprus, excluding its conflicts of law provisions. You agree that all such claims and disputes will be heard and resolved exclusively in the courts located in and serving Cyprus. You consent to the personal jurisdiction of those courts over you for this purpose and waive any objection to such proceedings (including any defense or objection of lack of proper jurisdiction, venue, or inconvenience of forum). For users in the EU, you may also have the right to bring claims in the courts of your country of residence under EU Directive 2011/83/EU. For users in Turkey, you may bring claims in accordance with Turkey’s Law No. 6502.

Complaints and Dispute Resolution

If you are dissatisfied with any aspect of your relationship with our business, including our products or services, please contact us at:
Customer Service Email: [email protected]

Our complaints handling team is trained to handle complaints fairly and efficiently. Please provide as much information as possible about your order and the reason for your complaint. We will acknowledge your complaint within seven (7) business days of receipt and investigate it promptly. We will respond in writing within fifteen (15) business days, provided we have all necessary information and have completed any investigation required. If further information or investigation is needed, we will work with you to agree on reasonable alternative timeframes and keep you informed at least every ten (10) business days, unless otherwise agreed.

If you are dissatisfied with our decision, you may file a dispute. We will respond to your dispute in writing within ten (10) business days, provided we have all necessary information. If further investigation is required, we will agree on reasonable alternative timeframes and keep you informed every ten (10) business days, unless otherwise agreed.

If you remain dissatisfied, we will treat your dispute as a Stage 2 complaint and refer it to our internal dispute resolution committee, which is independent from our complaint handling team and committed to reviewing disputes objectively. We will respond with a written determination within ten (10) business days, provided we have all necessary information, and keep you informed every ten (10) business days if further investigation is needed.

For users in the EU, you may also contact the Cyprus Data Protection Authority (http://www.dataprotection.gov.cy) or use the EU Online Dispute Resolution platform (https://ec.europa.eu/consumers/odr). For users in Turkey, you may contact the Personal Data Protection Authority (https://www.kvkk.gov.tr) or local consumer protection authorities.