Terms & Conditions

Last Updated: 2026-11-01

TERMS AND CONDITIONS

KOWURA.COM

Owned and Operated by VIRTUAL CONSULTING OFFICE (VCO) INC.

Effective Date: November 1, 2026

1. Introduction and Acceptance

Welcome to Kowura.com (“Kowura,” “Platform,” “Website,” “we,” “us,” or “our”), an online education and professional development platform owned and operated by VIRTUAL CONSULTING OFFICE (VCO) INC., a corporation registered in Alberta, Canada (“VCO”).

By accessing, registering for, purchasing, subscribing to, or using any services on Kowura.com, users agree to these Terms and Conditions and our Privacy Policy.

Users who do not agree to these Terms should not use the Platform.

2. Our Services

Kowura provides educational and professional development services, which may include:

Professional certification training and examination preparation.
Live virtual classes, recorded courses and self-paced learning.
Practice examinations, simulated tests and question banks.
Academic, professional and career development programmes.
Digital educational materials, templates and learning resources.
Subscription-based training, institutional access and educator licensing.
Third-party instructor courses and educational marketplace services.

Services, availability, features and pricing may change from time to time.

3. Eligibility and Registration

Users must provide accurate and current registration information, maintain the confidentiality of their login credentials and use their accounts only for authorized purposes.

Users must be at least 18 years old to independently enter into paid contracts, unless a parent or legal guardian provides the necessary authorization and applicable law permits participation.

VCO reserves the right to suspend accounts involved in fraud, unauthorized sharing, examination misconduct or violations of these Terms.

4. Course Enrolment and Access

Enrolment provides a limited, personal, non-exclusive and non-transferable right to access the purchased course or service for the period specified at checkout.

Unless expressly authorized, users may not share accounts, distribute training materials, reproduce examination questions or commercially exploit course content.

Access periods, learning schedules, instructor availability and course-specific requirements will be disclosed in the relevant course description or purchase terms.

5. Payments, Subscriptions and Renewals

All applicable fees, currencies, taxes, subscription periods and payment terms will be displayed before purchase.

Payments may be processed through authorized third-party payment service providers.

Where subscriptions are offered, the Platform will disclose whether they renew automatically, the applicable renewal price, billing frequency and cancellation procedure before users subscribe.

Users may cancel recurring subscriptions through the available account controls or by contacting customer support. Unless otherwise required by law or expressly stated, cancellation stops future renewals and does not automatically refund previously paid subscription periods.

VCO may change future prices upon appropriate notice and in accordance with applicable law.

6. Refunds and Cancellations

Refund eligibility depends on the type of service purchased, the applicable course or subscription conditions and mandatory consumer protection laws.

Any voluntary refund conditions will be disclosed before purchase.

Where VCO cancels a paid course without providing an agreed alternative, affected customers will receive the refund or other remedy required by applicable law.

Nothing in these Terms limits a consumer’s statutory cancellation, refund, chargeback or other non-waivable rights.

7. Professional Certification Disclaimer

Kowura may offer preparation for professional examinations, including PMP®, Scrum, Agile, Lean Six Sigma and other certifications.

Unless expressly stated otherwise, VCO and Kowura are independent training providers and are not affiliated with, sponsored by, endorsed by or authorized by the relevant certification organizations.

Completion of a course does not guarantee examination eligibility, admission, certification, employment, promotion, salary increases or examination success.

Professional certification decisions remain the responsibility of the applicable certification bodies.

8. Educational Content and Accuracy

VCO endeavours to provide accurate, relevant and current educational content.

However, curricula, examination requirements, professional standards and third-party certification policies may change.

Users are responsible for confirming current examination requirements with the appropriate certification authority.

Educational materials are provided for learning purposes and do not constitute individualized legal, financial, engineering or other regulated professional advice.

9. Intellectual Property

Unless otherwise identified, the Platform’s original course content, question banks, examination simulations, videos, documents, designs, software, trademarks and other proprietary materials belong to VCO or its authorized licensors.

Users may not reproduce, resell, sublicense, redistribute, scrape, commercially exploit or use Platform materials to train artificial intelligence systems without prior written authorization.

Third-party instructors retain ownership of their independently owned materials, subject to their agreements with VCO.

10. Educator and Institutional Licensing

Training organizations, educators, universities and other institutions may obtain separate commercial licences to use designated learning resources, examination simulators or question banks.

Such arrangements require a written or electronically accepted licensing agreement specifying authorized users, licence duration, permitted uses, fees and restrictions.

Purchasing an ordinary student subscription does not grant educator, institutional, resale or white-label rights.

11. User Conduct

Users must not:

Engage in fraudulent activities or examination misconduct.
Upload unlawful, abusive, infringing or malicious materials.
Share examination content without authorization.
Circumvent subscription, security or access restrictions.
Interfere with Platform operations or other users.
Misrepresent qualifications, examination results or professional credentials.

VCO may investigate suspected violations and take reasonable corrective action, including suspension or termination, subject to applicable law.

12. Third-Party Services

Kowura may integrate external payment gateways, video conferencing services, learning technologies, analytics tools and other third-party services.

Such services may be governed by their providers’ terms and privacy policies.

VCO is not responsible for independent third-party conduct or services beyond its legal or contractual obligations.

13. Service Availability

VCO seeks to maintain reliable Platform access but does not guarantee uninterrupted, error-free or permanently available services.

Scheduled maintenance, security incidents, internet failures, hosting disruptions or other circumstances may temporarily affect availability.

Where legally required, appropriate remedies will be provided for service interruptions or failures.

14. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the Platform and its services are provided on an “as available” basis without additional express or implied warranties beyond those expressly provided or required by law.

VCO does not guarantee particular academic, professional, financial or examination outcomes.

Nothing in this provision excludes statutory warranties or guarantees that cannot legally be excluded.

15. Limitation of Liability — US$100 Maximum

IMPORTANT: PLEASE READ CAREFULLY.

To the maximum extent permitted by applicable law, the total aggregate liability of VIRTUAL CONSULTING OFFICE (VCO) INC., arising from or relating to Kowura.com, its educational services, subscriptions, digital materials, training programmes, examination simulators or related transactions, shall not exceed US$100.00 (One Hundred United States Dollars) per claimant, in total, across all related claims.

This limitation applies, to the extent legally permissible, regardless of whether a claim arises in contract, negligence, tort, misrepresentation or another legal theory.

To the fullest extent permitted by law, VCO shall not be liable for indirect, incidental, special, consequential or punitive damages, including lost profits, lost business opportunities, lost income, examination failure, reputational loss or interruption of professional activities.

Mandatory Legal Exceptions: This limitation does not exclude or restrict liability where prohibited by applicable law, including non-waivable consumer remedies, statutory privacy obligations, fraud, wilful misconduct or other liabilities that cannot lawfully be limited.

Where a court or competent authority determines that the US$100 limitation is unenforceable for a particular claim, applicable law shall govern that claim.

The limitation applies only to liabilities legally capable of being restricted by contract.

16. Indemnification

To the extent permitted by applicable law, users agree to indemnify VCO against reasonable third-party claims and losses arising from their unlawful conduct, infringement of intellectual property rights or material misuse of the Platform.

This provision does not diminish statutory consumer rights or impose liability prohibited by law.

17. Suspension and Termination

VCO may suspend or terminate access where reasonably necessary to address material breaches, fraud, security threats or unlawful activities.

Any termination will remain subject to applicable refund obligations, contractual commitments and consumer protection requirements.

18. Privacy and Personal Information

Personal information is handled in accordance with the Kowura Privacy Policy and applicable privacy legislation.

Users should review the Privacy Policy to understand how their information is collected, used, disclosed, retained and protected.

19. Changes to These Terms

VCO may update these Terms to reflect changes in services, legal requirements, technology or business operations.

Material changes will be communicated where required by law. Changes will not retroactively remove rights already accrued under an existing contract.

20. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Province of Alberta and applicable federal laws of Canada, subject to mandatory consumer protection laws and jurisdictional rights.

Users are encouraged to contact VCO first to seek an amicable resolution.

Nothing in these Terms prevents users from pursuing remedies before courts, regulators or consumer protection authorities where legally entitled.

21. Severability

If any provision is determined to be invalid or unenforceable, the remaining provisions shall continue in effect to the extent permitted by law.

22. Contact Information

VIRTUAL CONSULTING OFFICE (VCO) INC.

Owner and Operator of Kowura.com

Alberta, Canada

Website: https://kowura.com

Customer Support Email: [email protected]

Registered Business Address: 4216 114 Street Northwest, Edmonton, Alberta. AB T6J 1M9