Access to the Site
Necessary Hardware And Software to access Internet and this Site are under sole liability of the users. The Company reserves the right, in its absolute discretion, to suspend or terminate access or navigation to all or part of the Site and/or its content and/or the available services without prior notice and without entitling any user to claim any indemnity or compensation. It is forbidden to modify the software or any element of it or to use a modified version of the software, in order to obtain unauthorized access to the
Links
The Site may include links to other websites or other internet sources. As the Company cannot control these websites and external sources, the Company cannot be held responsible for the provision or display of these websites and external sources, and may not be held liable for the content, advertising, products, services or any other material available on or from these websites or external sources. Furthermore, the Company cannot be held responsible for any demonstrated or alleged harm or losses resulting from (directly or indirectly) or in relation to the use of, or the fact of having had confidence in, the content, goods or services available on these websites or external sources.
User Conduct
Each user warrants:Each user must comply with any and all applicable regulations, laws, and rules related to the user's behavior on the Internet and transmission of technical data. When relevant, the Company reserves the right in its absolute discretion to terminate or withdraw any user's access to the Site without notice in case of a breach of the user's obligations under these Terms & Conditions and/or ancillary documentation, without prejudice to claim damages from such a defaulting user.
User generated content (when applicable)
Users are solely liable for any content they may post or upload onto the Site and the consequences of disclosing, broadcasting, forwarding, or making such content available. The Company does not adhere to or approve any content, opinion, suggestion, or notice generated by users and declines any and all responsibility and liability in respect of any such content to the fullest extent permitted by applicable law. However, the Company reserves the right, but not the obligation, to monitor the use of the Site and to remove any content which, in its sole discretion, would breach these Terms & Conditions, may be offensive, illegal, or otherwise objectionable in any way. Users accept that the Company may freely and peacefully use, at no cost and without any restriction, any content posted onto the Site in order to be displayed on the Site as well as to be displayed or reproduced on any other medium whatsoever, worldwide, for the promotion and advertising of the Company, its products, and services.
Report of inappropriate content
Users can report any inappropriate content to the Company via the “Contact” section.
You need an account for most activities on our platform, including to purchase and access content or to submit content for publication. When setting up and maintaining your account, you must provide and continue to provide accurate and complete information, including a valid email address. You have complete responsibility for your account and everything that happens on your account, including for any harm or damage (to us or anyone else) caused by someone using your account without your permission. This means you need to be careful with your password. You may not transfer your account to someone else or use someone else's account. If you contact us to request access to an account, we will not grant you such access unless you can provide us with the information that we need to prove you are the owner of that account. In the event of the death of a user, the account of that user will be closed. You may not share your account login credentials with anyone else. You are responsible for what happens with your account and PBA.am will not intervene in disputes between students or trainers who have shared account login credentials. You must notify us immediately upon learning that someone else may be using your account without your permission (or if you suspect any other breach of security) by contacting our Support Team. We may request some information from you to confirm that you are indeed the owner of your account. Students and trainers must be at least 18 years of age to create an account on PBA.am and use the Services. If you are younger than 18 but above the required age for consent to use online services where you live (for example, 13 in the US or 16 in Ireland), you may not set up an account, but we encourage you to invite a parent or guardian to open an account and help you access content that is appropriate for you. If you are below this age of consent to use online services, you may not create a PBA.am account. If we discover that you have created an account that violates these rules, we will terminate your account. Under our Trainer Terms, you may be requested to verify your identity before you are authorized to submit content for publication on PBA.am. Persona is NOT responsible for submission of not right information on the platform users while creating account. You can terminate your account at any time. Check our Privacy Policy to see what happens when you crate or terminate your account.
On PBA.AM, only certified teachers are authorized to create and publish courses. All offline and online courses are uniquely written and developed by PBA.AM's teachers, ensuring the highest level of quality and expertise. No external instructors or third parties are allowed to add content to the platform.
When instructors publish content, they grant PBA.AM a license to offer that content to students. This means we have the right to sublicense the content to enrolled students. As a student, when you enroll in a course or other content—whether free or paid—you are receiving a license from PBA.AM to access and view the content through our platform and services. The content is licensed, not sold to you, and this license does not grant you the right to resell or share the content in any form (such as by sharing account information or downloading it illegally).
In legal terms, PBA.AM grants you a limited, non-exclusive, non-transferable license to access and view the content for which you have paid all required fees, solely for your personal, non-commercial, educational purposes, and in accordance with these Terms. All other uses are expressly prohibited. You may not reproduce, redistribute, transmit, assign, sell, broadcast, rent, share, lend, modify, adapt, edit, create derivative works of, sublicense, or otherwise transfer any content unless explicitly permitted in a written agreement signed by an authorized representative of PBA.AM. This also applies to content accessed through our APIs.
We typically offer lifetime access to students when they enroll in a course. However, we reserve the right to revoke access at any point if legal or policy reasons require us to do so, such as in the case of a copyright complaint or violation of our Trust & Safety Guidelines. This lifetime access applies to the course content, not any associated add-on features or services such as teaching assistance or Q&A, which the instructor may choose to discontinue at any time.
Additionally, if a student uses inappropriate language in the comment section, or violates our policies during meetings with teachers—such as by asking inappropriate questions or behaving inappropriately—we reserve the right to block or restrict the student’s access to the platform and its features.
Instructors cannot directly grant licenses to students; all courses must be managed and distributed exclusively through PBA.AM. Any direct license agreement outside of our platform is null and void and constitutes a violation of these Terms.
Persona Business Academy (PBA.am) is committed to protecting the privacy of its users and handling personal data responsibly. This policy outlines how we collect, use, and protect personal data on the PBA.am platform, including both online video courses and offline courses.
We use personal data collected from users for the following purposes:
PBA.am uses industry-standard security measures, including encryption and secure servers, to protect all personal data, whether related to online or offline courses. We implement measures to prevent unauthorized access, alteration, disclosure, or destruction of your personal data.
Persona Business Academy does not sell or rent personal data to third parties. We may share your data with trusted service providers to facilitate the smooth delivery of both online and offline courses. These include:
We retain personal data related to both online and offline courses for as long as is necessary to fulfill the purposes outlined in this policy, or as required by law. online courses, data related to your learning progress and course completion may be stored indefinitely to maintain your academic record. For offline courses, attendance records and performance data are retained for reporting and certification purposes.
If you wish to delete your account or data, please contact us at support@pba.am. However, some data may need to be retained for legal or administrative purposes.
As a user of PBA.am, whether for online or offline courses, you have the following rights regarding your personal data:
To exercise these rights, please contact our data protection team at info@pba.am.
PBA.am uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and personalize content for online video courses. Disabling cookies may affect your ability to access and interact with online learning materials.
Pro Business Academy reserves the right to modify or update this Personal Data policy at any time. Changes will be effective immediately upon posting on the website. It is your responsibility to review this policy periodically to stay informed of any updates.
This section covers additional terms that apply to your use of our subscription-based collections as a student (“Subscription Plans”). By using a Subscription Plan, you agree to the additional terms in this section.
Subscription Plans
PBA.am uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and personalize content for online video courses. Disabling cookies may affect your ability to access and interact with online learning materials.
The subscription that you purchase or renew determines the scope, features, and price of your access to a Subscription Plan. You may not transfer, assign, or share your subscription with anyone else. We reserve the right to revoke any license to use the content in our Subscription Plans for legal or policy reasons at any time and at our sole discretion, such as if we no longer have the right to offer the content through a Subscription Plan. Additional information on our right to revoke is included in the ‘Content Enrollment and Access’ section.
Account Management
You may cancel your subscription by following the steps outlined on our Payments Page. If you cancel your subscription to a Subscription Plan, your access to that Subscription Plan will automatically end on the last day of your billing period. On cancellation, you will not be entitled to receive a refund or credit of any fees already paid for your subscription, unless otherwise required by applicable law. For clarity, cancellation of a subscription does not terminate your PBA.am account/Profile.
Free Trials & Renewals
Your subscription may start with a free trial. The duration of the free trial period of your subscription will be specified during sign-up. PBA.am determines free trial eligibility at our sole discretion and may limit access, eligibility, or duration. We reserve the right to terminate the free trial and suspend your subscription if we determine that you aren't eligible.
Your subscription may start with a free trial. The duration of the free trial period will be specified during sign-up. PBA.am determines free trial eligibility at our sole discretion and may limit access, eligibility, or duration.
At the end of the free trial period, you will be prompted to upgrade to the Standard Plan to continue accessing content. There will be no automatic charges after the free trial period. If you do not upgrade, your access to premium content will end, but your account will remain active.
For more information on how to view the details of your free trial and subscription plans, visit our Payments Page.
Payments and Billing
The subscription fee will be listed at the time of your purchase. You can visit our Payments Page to learn more about where to find the fees and dates applicable to your subscription. We may also be required to add taxes to your subscription fee as described in the 'Payments, Credits, and Refunds' section above. Payments are non-refundable and there are no refunds or credits for partially used periods, unless otherwise required by applicable law. Depending on where you are located, you may qualify for a refund. See our Refund Policy for Subscription Plans for additional information.
To subscribe to a Subscription Plan, you must provide a payment method. We currently accept payments via Visa, MasterCard, American Express, and Arca Cart. At this time, we do not support payments through PayPal or Stripe. By subscribing to a Subscription Plan and providing your billing information during checkout, you grant us and our payment service providers the right to process payment for the then-applicable fees via the payment method we have on record for you.
At the end of each subscription term, we will automatically renew your subscription for the same length of term and process your payment method for payment of the then-applicable fees. In the event that we update your payment method using information provided by our payment service providers (as described in the “Payments, Credits, and Refunds” section above), you authorize us to continue to charge the then-applicable fees to your updated payment method.
If we are unable to process payment through the payment method we have on file for you, or if you file a chargeback disputing charges made to your payment method and the chargeback is granted, we may suspend or terminate your subscription.
We reserve the right to change our Subscription Plans or adjust pricing for our Services at our sole discretion. Any price changes or changes to your subscription will take effect following notice to you, except as otherwise required by applicable law.
Interactive Session Restrictions
You may not do any of the following while accessing or using the Interactive Sessions:
Subscription Disclaimers
We make no guarantees as to the availability of any specific content in any Subscription Plan or as to any minimum amount of content in any Subscription Plan. At any point in the future, we reserve the right to offer or cease to offer additional features to any Subscription Plan, or to otherwise modify or terminate a Subscription Plan at our sole discretion. We have no responsibility to preserve or store the content inputted by you in connection with your use of any Subscription Plan. These disclaimers are in addition to those listed in the 'Disclaimers' section below.
By registering, accessing, or using our Platform, you agree to enter into a legally binding contract with Persona Group LLC. http://PBA.am is one of the products offered by Persona Group LLC. If you do not agree to these Terms, do not register, access, or use any of our Services.
Any version of these Terms in a language other than English is provided for convenience. In the event of any conflict, the English language version will control.
These Terms (including any agreements and policies linked from these Terms) constitute the entire agreement between you and us. If any part of these Terms is found to be invalid or unenforceable by applicable law, that provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision, and the remainder of these Terms will continue in effect.
Delay or failure to exercise any right under these Terms does not constitute a waiver of that or any other right. We may choose to enforce these Terms in the future, and any waiver of rights in a specific instance does not imply a waiver of rights generally or in the future.Our Platform may experience downtime due to scheduled maintenance or unforeseen issues. Content provided by instructors may occasionally be inaccurate or misleading, and security issues may arise. By using our Services, you acknowledge that you will not hold us liable for these issues. The Services and their content are provided on an 'as is' and 'as available' basis. We (and our affiliates, suppliers, partners, and agents) make no representations or warranties about the suitability, reliability, availability, timeliness, security, or accuracy of the Services or their content, and we expressly disclaim all warranties or conditions (express or implied), including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that you will achieve specific results from using the Services. Your use of the Services is at your own risk. Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.
We may discontinue certain features of the Services at any time and for any reason. We and our affiliates, suppliers, partners, or agents will not be liable for any damages due to such interruptions or lack of availability of features.
We are not responsible for delays or failures in the performance of our Services caused by events beyond our reasonable control, including but not limited to acts of war, natural disasters, internet outages, or government restrictions.
When using our Platform and Services, including both online and offline courses, you agree to:
Platform and Service Use
We strive to maintain the functionality and availability of the Platform and Services, but we are not liable for:
Limitation of Liability
To the maximum extent permitted by law:
Indemnification
You agree to indemnify and hold harmless Persona Group LLC, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or related to your use of the Platform and Services, your violation of these Terms, or your infringement of any rights of a third party.
No Endorsement
The inclusion of any content or third-party links on our Platform does not imply endorsement or recommendation by Persona Group LLC. You should exercise your own judgment and discretion when interacting with third-party content or services.
Legislation
These Terms & Conditions are governed by Armenian law. Unless imperative legal provision to the contrary, users and the Company hereby irrevocably submit to the exclusive jurisdiction of the competent courts of Yerevan, Armenia for any claim or matter arising under or in connection with the Content or use of the Site, including in case of guarantee, plurality of defendants, or summary proceedings. 'Persona', which controls and manages this website from Armenia, does not guarantee that these materials are appropriate or available for use in other countries. No action, regardless of form, arising out of or relating to this Agreement may be brought by either party more than one year after the cause of action has accrued, except where this limitation cannot be imposed by law. Any notice or other communication to be given hereunder will be in writing and given by registered or certified mail return receipt requested, or email (by us to the email associated with your account or by you to one of our official emails).
Mandatory Informal Dispute Resolution Process
Before filing a claim against each other, you and Persona must first participate in the informal dispute resolution process described in this section. The claiming party shall send to the other a short, written statement (“Claim Statement”) with their full name, mailing address, and email address explaining: (a) the nature and details of the Dispute; and (b) a proposal for resolving it (including any money being claimed and how that amount was calculated). Sending a Claim Statement tolls the running of any applicable statute of limitations for a 60-day period beginning on the date the Claim Statement is received. You should send your Claim Statement to Persona by email to support@pba.am. Persona will send Claim Statements and respond to you at the email address associated with your PBA.am account, unless you request otherwise. When either of us receives a Claim Statement, the parties will attempt in good faith to resolve it informally. If we're unable to resolve it within 60 days from receipt, then we each have the right to initiate a formal claim against the other in small claims court or individual arbitration, subject to the terms of this Dispute Resolution Agreement. Failure to complete this process is a material breach of the Terms, and no court or arbitrator shall have jurisdiction to hear or resolve any Disputes between you and Persona.
Small Claims
Disputes raised but not resolved through the mandatory informal dispute resolution process can be brought in small claims court in: (a) Yerevan, Armenia; or (b) another place we both agree on. We each waive the right to bring any Disputes between us, in courts other than small claims court, including courts of general or special jurisdiction.
From time to time, we may update these Terms to clarify our practices or to reflect new or different practices (such as when we add new features), and PERSONA reserves the right in its sole discretion to modify and/or make changes to these Terms at any time. If we make any material change, we will notify you using prominent means, such as by email notice sent to the email address specified in your account or by posting a notice through our Services. Modifications will become effective on the day they are posted unless stated otherwise. Your continued use of our Platform after changes become effective shall mean that you accept those changes. Any revised Terms shall supersede all previous Terms.
If you have any questions, concerns, or need assistance regarding our Platform, Services, or these Terms, please feel free to reach out to us through the following methods:
Contact Information
Business Hours
Our customer support team is available during the following hours:
Online Support
Available on the PBA.am website during business hours for real-time assistance.
Feedback
We welcome feedback to improve our Services. Share thoughts via email or through the online feedback form on the PBA.am website.
Feel free to modify contact details or include additional communication methods as needed.
We, the PBA team, are committed to safeguarding your privacy and ensuring appropriate protection and management of your personal data, which you have directly and voluntarily entrusted to us. This Privacy Policy outlines how we collect, use, share, retain, and protect your personal data in compliance with National Laws and International Conventions. Personal data includes all forms of personal, sensitive, and privileged information. Personal information refers to any data, whether recorded or not, that can identify an individual directly or when combined with other information. This policy also provides guidance on how you can request changes to our use of your personal data or opt-out of its usage entirely.
What Personal Data do we gather about you and how do we collect it?
We collect information from and about you as described in the following categories:Why do we collect your personal data?
To enable us to comply with our corporate policies with respect to our customers, as well as with regulatory requirements being observed Persona Group LLC, it is important that PBA collects, uses, stores and retains your personal data when it is reasonable and necessary for a declared and specific purpose. In general, we are using your data for any of the following purposes:A. When you want to become a part/student/trainer of PBA:
B. When you are a participant in the marketing initiatives of PBA.
C. When you become an investor of Persona Group LLC.
How we collect, acquire or generate your data?
We collect data when you:What if there are changes in our Privacy Policy?
From time to time, it may be necessary for Persona Group LLC to change this Privacy Policy. If we change our Privacy Policy, we will post the revised version here and it will take effect immediately, so we suggest that you check here periodically for the most up-to-date version of our Privacy Policy. Rest assured, however, that any changes will not be retroactively applied and will not alter how we handle previously collected personal data without obtaining your consent, unless required by law.How you can access, correct and update the personal data we have about you?
To exercise your rights, including the right to access, modify, erase, or object to the processing of your personal data, please contact us through the 'Connect with Us' section on our website. We will respond to your request within a reasonable time. For any inquiries, feedback, or complaints regarding this Privacy Policy, feel free to reach out to us.Payment through our Platform
Our Platform has been designed for 2 types of Services:Payment for OFFLINE courses
All offline courses purchased in person at Persona Business Academy can be managed and paid for via our platform. For each offline course, PBA.am will design a special payment plan that will be billed to your card for every set of 12 classes.Payment and Billing Terms
SUBSCRIPTION Pricing
We don't charge fees for navigation on our PBA.am platform, but if you want to have ACCESS to our COURSES or Post your own Course as a Trainer, we offer different SUBSCRIPTION Plans. The prices of content on PBA.am are determined based on the terms of the Trainer Terms and our Promotions Policy. In some instances, the price of content offered on the PBA.am website may not be exactly the same as the price offered on our mobile or other applications, due to mobile platform providers' pricing systems and their policies around implementing sales and promotions. We occasionally run promotions and sales for our content, during which certain content is available at discounted prices for a set period of time. The price applicable to the content will be the price at the time you complete your purchase of the content (at checkout). Any price offered for particular content may also be different when you are logged into your account from the price available to users who aren't registered or logged in, because some of our promotions are available only to new or registered users. If you are a student located in a country where use and sales tax, goods and services tax, or value added tax is applicable to consumer sales, we are responsible for collecting and remitting that tax to the proper tax authorities. Depending on your location, the price you see may include such taxes, or tax may be added at checkout. Your SUBSCRIPTION plan billing date is the day we charge your card, and this date will apply for each month automatically, if you don't cancel your Subscription before the Billing Date. If by the Day of your Billing Date you have no enough money for the billing and we fail to charge your Card, we will leave extra 3 days for you to PAY the fee, after which, if we won't succeed of charging your Card again, the Subscription will be AUTOMATICALLY CANCELED.Free Plan:Our Free Plan does not involve any charge. Users have access to specific features without incurring any costs. There is no trial period for the Free Plan, and users can enjoy the benefits associated with it without any automatic billing.
Standard and Pro Plans:For both Standard and Pro Plans, there is no trial period. When you choose one of these plans, billing begins immediately based on the selected subscription term. The start date for further charges will be the day after the initial payment. If we are unable to successfully charge your card on the billing date, the subscription will not be activated.
Payment and Cancellation Policy:
Payments
You agree to pay the fees for content that you purchase, and you authorize us to charge your debit or credit card or process other means of payment (such as Visa, MasterCard, American Express, and Arca Armenian card) for those fees. PBA.am works with payment service providers to offer you the most convenient payment methods and to keep your payment information secure. We may update your payment methods using information provided by our payment service providers. Check out our Privacy Policy for more details. When you make a purchase, you agree not to use an invalid or unauthorized payment method. If your payment method fails and you still get access to the content you are enrolling in, you agree to pay us the corresponding fees within 30 days of notification from us. We reserve the right to disable access to any content for which we have not received adequate payment.Refunds and Refund Credits
If the content you purchased is not what you were expecting, we have a GUARANTEE 3-days Period, during which days, you can request, within 7 days of your purchase of the content, that PBA.am apply a refund to your Card or Account Credit. This refund option does not apply to Subscription Plan purchases with short period time less than 1 month. We reserve the right to apply your refund as a refund credit or a refund to your original payment method, at our discretion, depending on capabilities of our payment service providers, the platform from which you purchased your content (website, mobile or TV app), and other factors. No refund is due to you if you request it after the 3-day guarantee time limit has passed. However, if the content you previously purchased is disabled for legal or policy reasons, you are entitled to a refund beyond this 3-day limit. PBA.am also reserves the right to refund students beyond the 7-day limit in cases of suspected or confirmed account fraud. The amount of money to be refunded will be calculated based on the days already used and the price for each day till the day when the person cancels the subscription, and the price for already used days will be deducted from the total price of Subscription Plan. The total Refund will be made for the days after Cancellation Date. To request a refund, you should CANCEL your SUBSCRIPTION during 3-days Guarantee Period. As detailed in the Trainer Terms, trainers agree that students have the right to receive these refunds. If we decide to issue refund credits to your account, they will be automatically applied towards your next content purchase on our website or mobile app. At our discretion, if we believe you are abusing our refund policy, such as if you've consumed a significant portion of the content that you want to refund or if you've previously refunded the content, we reserve the right to deny your refund, restrict you from other future refunds, ban your account, and/or restrict all future use of the Services. If we ban your account or disable your access to the content due to your violation of these Terms or our Policies, you will not be eligible to receive a refund.Gift and Promotional Codes
PBA.am or our partners may offer gift and promotional codes to students. Certain codes may be redeemed for gift or promotional credits applied to your PBA.am account, which then may be used to purchase eligible content on our platform, subject to the terms included with your codes. Other codes may be directly redeemable for specific content. These codes and credits, as well as any promotional value linked to them, may expire if not used within the period specified in your PBA.am account. Gift and promotional codes offered by Persona may not be refunded for cash, unless otherwise specified in the terms included with your codes or as required by applicable law. Gift and promotional codes offered by a partner are subject to that partner's refund policies. If you have multiple saved credit amounts, Persona may determine which of your credits to apply to your purchase.We collect personal information about users over time and across different websites when you use this website. We also have third parties that collect personal information this way. To do this, we use several common tracking tools. These may include browser cookies. We may also use web beacons, flash cookies, and similar technologies. Our vendors or third parties may place and use these tools on our sites or apps. Before using our Website, please read carefully this Cookie Policy (including the Privacy Policy). If you do not agree to this Cookies Policy or the Privacy Policy, do not use our Website. We reserve the right to make changes to this Cookies Policy or the Privacy Policy at any time. You are invited to regularly read this Cookies Policy or the Privacy Policy to make sure you are aware of any change and how your Personal Data may be used.
What is a cookie?
When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalized web experience. Because we respect your right to privacy, you can choose not to allow some types of cookies. Click on the different category headings to find out more and change our default settings. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer. Cookies are small text files or pieces of information that are stored on your computer or mobile device (such as a smartphone or tablet) when you visit our Website. A cookie will usually contain the name of the website/application from which the cookie has come from, the duration of the cookie (i.e. how long the cookie will remain on your device), and a value, which is usually a randomly generated unique number.Why do we use cookies?
We use cookies to make our Website easier to use and to better tailor our Website and our products to your interests and needs. Cookies can do this because our Website can read and write these files, enabling them to recognise you and remember important information that will make your use of our Website more convenient (for example by remembering preference settings). Cookies may also be used to help speed up your future activities and experience on our Website. We also use cookies to compile anonymous, aggregated statistics that allow us to understand how users use our Website and to help us improve the structure and content of our Website.How to contact us?
If you have any questions, comments, or concerns about our use of cookies, please feel free to contact us through the support section on our website.contact us.Offline Courses
Online Courses
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