Legal Information
This page contains the Iyaboko Institute website Terms & Conditions and Refund Policy, including donations and subscriptions processed through Stripe and PayPal.
Effective date / Last updated: 3 February 2026
Replace placeholders if needed (example): [LEGAL ENTITY NAME], [CONTACT EMAIL], [COUNTRY/STATE].
This template is general information and not legal advice.
Part A — Terms & Conditions
1) Acceptance
By accessing or using this website, membership areas, community features, content, donation pages, or any related services (the “Services”), you agree to these Terms. If you do not agree, do not use the Services.
2) Definitions
- “We/Us/Our” refers to Iyaboko Institute and its operators ([LEGAL ENTITY NAME]).
- “You/User” refers to any visitor, member, donor, subscriber, or contributor.
- “Services” includes website features, gated content, tools, and AI features (if enabled).
3) Accounts & membership
- You are responsible for maintaining account confidentiality and all activity under your account.
- Accurate info: keep your email and details up to date for billing/security notices.
- Service changes: we may change features to improve safety, reliability, or compliance.
4) Acceptable use
- No unlawful activity: do not break laws or encourage illegal conduct.
- No abuse: no unauthorised access attempts, scraping protected areas, or interference with site availability.
- No harmful content: where community tools exist, do not post hateful, violent, harassing, or illegal content.
We may restrict or suspend access if activity creates risk to the platform or other users.
5) Payments (Stripe & PayPal)
Donations and subscriptions may be processed by third-party providers such as Stripe and PayPal. Your payment details are handled by those providers under their terms and privacy policies.
- We receive: confirmation of payment status and basic transaction details needed for records/support.
- Taxes/fees: you agree to pay any fees/taxes required by providers or applicable law.
Provider links: Stripe Legal • PayPal Legal Hub
6) Intellectual property
Website content (text, graphics, documents, and branding) is owned by us or licensed to us unless stated otherwise. You may not copy, sell, or redistribute content without written permission, except where we explicitly provide public downloads.
If a document is marked as public/open, follow the license or usage notes included with that document.
7) Educational / research & AI disclaimers
- Research context: content is provided for educational and research discussion purposes. We do not guarantee accuracy or suitability.
- AI features (if enabled): AI outputs may be incorrect or incomplete. Do not rely on AI as professional advice (medical, legal, financial, safety-critical).
- Your responsibility: you are responsible for how you use information from the Services.
8) Limitation of liability
To the maximum extent permitted by law, we are not liable for indirect or consequential losses arising from your use of the Services. Nothing in these Terms excludes rights that cannot be excluded under applicable consumer law.
9) Termination
We may suspend or terminate access if you violate these Terms or if needed to protect users, the platform, or compliance obligations.
10) Changes
We may update these Terms by posting a new version on this page. Continued use after changes means you accept the updated Terms.
11) Governing law
These Terms are governed by the laws of [COUNTRY/STATE]. (Example: Queensland, Australia.)
Part B — Refund Policy (Stripe & PayPal)
1) Donations
Donations are normally treated as voluntary contributions and are generally non-refundable, except where required by law or where an exception below applies.
- Duplicate donation: you were charged more than once for the same intended donation.
- Incorrect amount: a clear error occurred (e.g., an extra zero) and you contact us promptly.
- Unauthorised transaction: evidence suggests the payment was not authorised by the account holder.
- Processing error: a technical issue caused an incorrect charge.
If approved, refunds are issued back to the original payment method via Stripe or PayPal (provider rules may apply).
2) Subscriptions / memberships
- Recurring billing: by subscribing, you authorise recurring charges until cancellation.
- Cancel anytime: via your account area (if enabled) or by contacting us.
- Access timing: digital access may begin immediately after successful payment.
3) Subscription refunds
Refunds may be provided case-by-case where:
- Billing error: you were charged incorrectly or more than once.
- Unauthorised charge: you did not authorise the subscription.
- Service access issue: you could not reasonably access the paid service due to a verified platform fault.
- Consumer law: where refunds are required by applicable law.
Note: for digital access, “change of mind” refunds may not apply once access is provided—unless required by law.
4) Chargebacks / disputes
Chargebacks/disputes filed directly with Stripe/PayPal may limit our ability to process a separate refund until the dispute is resolved.
How to request a refund
Email [CONTACT EMAIL] with:
- Your name and the email used for payment
- Date and amount
- Payment method (Stripe or PayPal)
- Transaction ID / receipt reference (if available)
- Reason (duplicate, error, unauthorised, access issue, etc.)
Quick email: contact@iyaboko.net
Contact
Institute contact
- Email: contact@iyaboko.net (edit if needed)
- Website: iyaboko.net
Related: Privacy Policy
Important note
Nothing on this page excludes rights you may have under applicable consumer law. If you require jurisdiction-specific legal compliance, consult a qualified professional.