Terms & Conditions

1. Acceptance of Terms

Welcome to TumiCodes. These Terms of Service ("Terms") govern your access to and use of the TumiCodes website, services, and applications (collectively, the "Service").

1.1 Eligibility

• You must be at least 16 years old to use our Service
• If you are under 18, you need parental consent
• You must have the legal capacity to enter into a contract
• You must not be prohibited from receiving our services under applicable laws

1.2 Modifications

We reserve the right to modify these Terms at any time. We will provide notice of changes by:

• Posting the updated Terms on this page
• Sending email notifications to registered users
• Displaying prominent notices within the Service

Your continued use after changes constitutes acceptance of the new Terms.

2. Account Registration & Security

2.1 Account Creation

To use certain features, you must register for an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your information
• Maintain the security of your password
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

2.2 Account Termination

We may terminate or suspend your account immediately if you:

• Violate these Terms
• Engage in fraudulent activities
• Create multiple accounts
• Share account access
• Use automated tools to access the Service
• Distribute malicious content

3. Code of Conduct & Community Guidelines

We foster a respectful and inclusive community. All users must adhere to our code of conduct.

3.1 Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Illegal Activities: Any unlawful purposes or activities
• Harassment: Bullying, intimidation, or hate speech
• Spam: Unsolicited promotions or advertisements
• Impersonation: Pretending to be someone else
• Hacking: Attempting to breach our security
• Plagiarism: Submitting others' work as your own
• Cheating: Using unauthorized help in assessments

3.2 Content Standards

User-generated content must not:

• Contain viruses or malicious code
• Infringe intellectual property rights
• Contain sexually explicit material
• Promote violence or illegal activities
• Contain false or misleading information
• Violate others' privacy rights

4. Payments, Fees & Refunds

4.1 Subscription Plans

• Free Tier: Access to basic courses and community
• Pro Tier: $29/month - All courses, projects, and certifications
• Team Tier: $99/month - Up to 5 users, team management
• Enterprise: Custom pricing for organizations

4.2 Billing & Renewal

• Subscriptions automatically renew
• You can cancel anytime
• No refunds for partial months
• Prices may change with 30-day notice
• Taxes are additional where applicable

4.3 Refund Policy

We offer refunds under the following conditions:

• 14-Day Guarantee: Full refund within 14 days of purchase
• Technical Issues: Refund if service is unavailable
• Course Cancellation: Refund if we cancel a paid course
• Duplicate Charges: Refund for accidental duplicate payments

Refund requests must be submitted to support@tumicodes.com within the specified timeframe.

5. Intellectual Property Rights

Understanding ownership of content and intellectual property.

5.1 Our Content

TumiCodes and its licensors own all intellectual property rights in:

• Course materials and curriculum
• Platform code and software
• Branding and trademarks
• Documentation and guides
• Assessment tools and frameworks

You receive a limited, non-exclusive license to access and use our content for personal, non-commercial purposes.

5.2 Your Content

You retain ownership of content you create and submit, including:

• Code submissions and projects
• Forum posts and comments
• Profile information
• Portfolio items

By submitting content, you grant us a worldwide license to use, reproduce, and display it in connection with the Service.

5.3 Open Source

Some components of our Service use open source software. These components are governed by their respective licenses.

6. Disclaimer of Warranties & Limitation of Liability

6.1 No Warranty

We make no warranties regarding:

• Accuracy or completeness of content
• Uninterrupted or error-free service
• Security of your data
• Results from using the Service
• Third-party content accuracy

6.2 Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for indirect or consequential damages
• Our total liability is limited to the amount you paid us
• We are not liable for third-party services
• You use the Service at your own risk

6.3 Indemnification

You agree to indemnify and hold harmless TumiCodes from any claims arising from:

• Your use of the Service
• Your violation of these Terms
• Your infringement of third-party rights
• Your content or conduct

7. Governing Law & Dispute Resolution

7.1 Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

7.2 Dispute Resolution

Any disputes shall be resolved as follows:

• Step 1: Informal negotiation (30 days)
• Step 2: Mediation with a neutral third party
• Step 3: Binding arbitration in San Francisco, CA
• Step 4: Small claims court for eligible claims

You waive the right to participate in class actions.

7.3 Contact for Legal Notices

Legal notices should be sent to: