العربية

Terms of Use

1. About us

1.1 Money Luster (the "App") is a platform that plays pre-recorded artificial-intelligence video courses for enrolled students. Every lesson is pre-recorded and watched inside the App. In these Terms, the "Academy" means the Money Luster course service (the App, its website and the courses offered through them), owned and operated by Hassan Serjieh (see 1.2). 1.2 The App and the Academy are owned and operated by Mr Hassan Serjieh, London, United Kingdom (the "Operator", "we", "us"). 1.3 The Operator also publishes the App on app stores through his own developer account, so the publisher shown on Google Play and the App Store is the Operator himself. 1.4 By using the App you agree to these Terms, the Privacy Policy and the Community Guidelines. If you do not agree, do not use the App.

2. Eligibility

2.1 You must be 16 or older. 2.2 If you are under 18, you confirm that a parent or guardian has read these Terms and agrees to your use of the App. 2.3 We may close any account whose holder turns out to be under 16.

3. Your account

3.1 Your registration details must be accurate and kept up to date: name, email, phone number and age. 3.2 An account is for one person only. You must not share, lend or sell it, or sign in for someone else. 3.3 Device limit: an account may be used on DEVICE_LIMIT only (e.g. one phone + one computer). A device is registered automatically on first sign-in. To change a device, contact support. We may refuse any additional device. 3.4 You are responsible for keeping your password confidential and for all activity on your account. Tell us immediately if you suspect unauthorised use.

4. Access to courses

4.1 There are no sales or payments in the App. The Academy activates specific courses on enrolled students' accounts for a set period, shown under "My Account → My courses". 4.2 Access ends automatically when the period expires, or if it is withdrawn under these Terms. 4.3 Anyone can create an account and watch the free content available to all users. 4.4 We may change, update or reorganise course content to improve it or to keep up with changes in AI tools. 4.5 Quizzes and certificates: a course counts as complete when you have watched at least 90% of every lesson and passed every published quiz in it. You can then request a certificate in the App; the Academy issues it on its website, and anyone can check it with its verification link. 4.6 Extension requests: when 7 days or fewer of your access remain, you can request an extension under "My Account". Whether it is granted is up to the Academy.

5. Your licence

5.1 We grant you a personal, limited, non-exclusive, non-transferable and revocable licence to watch the lessons activated on your account, by online playback inside the App only, without downloading, on your registered devices, during the activation period, for your own personal, non-commercial learning. 5.2 This licence gives you no ownership of any content. All rights not expressly granted are reserved.

6. What you must not do

You must not, by any means:

  1. Record any lesson or part of it, in sound or image, including screen recording, filming the screen with a camera or another device, or taking screenshots.
  2. Download, extract, copy or save content outside the App. The text of prompts in the "Prompt library" is an exception (see clause 9B).
  3. Share, publish, send or upload content to any site, group, channel or platform.
  4. Sell, rent or redistribute content, or use it in commercial teaching or other courses.
  5. Share, sell or rent your account.
  6. Circumvent protection: try to disable or bypass capture blocking, watermarks, encryption or device locks, or use modified devices or software (root, jailbreak, emulators) to do so.
  7. Reverse engineer, decompile or modify the App.
  8. Use content to train AI models or to create derivative versions of it.
  9. Use automated means such as bots or scrapers.
  10. Try to extract or reconstruct lesson transcripts through search, the AI assistant or any other feature, or try to make the assistant bypass its limits.

7. Protection and watermarks

7.1 To protect the content, the App uses:

  • a moving visible watermark showing information linked to your account (such as your name or part of your email);
  • an invisible watermark in the picture and an inaudible watermark in the sound. Both are unique to your account and let us identify the account behind any leaked copy, even if the screen is filmed with another device;
  • blocking or detection of screen recording, screenshots and mirroring to other displays, pausing the video when detected;
  • logging of security events, such as recording or screenshot attempts and disallowed devices;
  • monitoring for unusual use, such as requesting very many lessons unusually fast, with an automatic temporary suspension pending review.

7.2 The App may refuse to run on modified devices or emulators, or when Android developer options are enabled. 7.3 Details of the data used for protection are in the Privacy Policy.

8. Consequences of a leak

8.1 If a copy of any content appears outside the App and the watermarks or security evidence point to your account, we may:

  • terminate your account immediately and withdraw all activated courses, without prior notice;
  • prevent you from creating new accounts;
  • keep the necessary evidence, as described in the Privacy Policy;
  • ask the platforms where the copies were posted to remove them;
  • take the legal action available to us, including claiming damages and providing the necessary information to competent courts or authorities.

8.2 You are responsible for any leak made through your account, including where you shared your account with someone else. 8.3 Before terminating an account for a leak, we may contact you for an explanation, unless the evidence is clear or the harm is ongoing. REVIEW_WITH_LAWYER 8.4 Any refund of amounts paid to the Academy outside the App is governed only by the Academy's separate enrolment terms. Terminating an account for breaching these Terms does not in itself give a right to a refund, to the extent permitted by applicable law. MUST_MATCH_SITE_REFUND_TERMS

9. The community and your content

9.1 Your use of chat rooms and comments is governed by the Community Guidelines. 9.2 You keep ownership of what you write, but you give us a free, non-exclusive licence to display and store it within the service, and to remove or hide it when needed. 9.3 You alone are responsible for what you post. We do not review every message before it appears, but we use an automatic filter and review reports. 9.4 We may remove any content, or restrict or suspend your account, if it breaks the Guidelines.

9.5 Questions and answers under lessons are part of the community: other students of the lesson see them, and the same guidelines, reporting and blocking apply. 9.6 Your notes and bookmarks are private to you, and your lesson feedback is seen only by the admin team.

9A. The AI assistant

9A.1 "Ask the assistant" is a learning tool powered by Anthropic's Claude model. Its answers are AI-generated and may be incomplete or wrong. Always check the lesson, and don't rely on them for professional, financial, legal or health decisions. 9A.2 We send your question to Anthropic only after you agree, as explained in the Privacy Policy (section 5A). Don't put personal or confidential information in your questions. 9A.3 The assistant is available to students with the course activated, with a daily limit on questions. We may change the limit or suspend or withdraw the assistant. 9A.4 You must not use the assistant to produce offensive or illegal content, or to try to extract lesson transcripts. We may remove your access to it if you do. 9A.5 You can report any answer from within the conversation; reports are handled as described in the Community Guidelines. 9A.6 Lesson summaries and quizzes are drafted with AI assistance and reviewed by our team before publication.

9B. The prompt library

9B.1 You may copy the prompts shown in lessons and in the "Prompt library", and use and adapt them in your own work and studies. DECIDE_PROMPT_LICENCE 9B.2 You may not republish or sell the prompts as a collection, or publish them as a competing product. 9B.3 You are responsible for complying with the terms of any AI tool you use the prompts with.

9C. Notifications and reminders

9C.1 We send service messages about your courses: a reminder about a lesson you haven't finished, access about to expire, an answer to your question, an updated lesson, and your certificate being issued. 9C.2 You can turn each type off under "My Account", or turn off all notifications in your device settings. Notifications never carry advertising or purchase offers.

10. Intellectual property and trademarks

10.1 All content, including videos, audio, text, files, design and logos, is owned by the Operator or its licensors and is protected by copyright law. 10.2 Claude is a trademark of Anthropic, ChatGPT is a trademark of OpenAI, and other tool names belong to their owners. The Academy is independent and is not affiliated with, sponsored or endorsed by any of these companies. We use these names only to describe what the lessons are about.

11. Educational content

11.1 Content is for educational purposes only. We do not guarantee any particular outcome, such as a job or income. 11.2 AI tools change quickly and some content may become outdated. We try to update it but cannot always guarantee this. 11.3 You are responsible for complying with the terms of any third-party tool you use.

12. Availability

12.1 We aim to keep the service available, but it may be interrupted for maintenance, technical reasons or reasons beyond our control. 12.2 We may change the App or withdraw features. If we close the service permanently, we will try to give you reasonable notice.

13. Termination

13.1 By you: you can delete your account at any time under "My Account → Delete account", or via the account deletion page. 13.2 By us: we may suspend or terminate your account if you breach these Terms, if the law requires it, or to protect other students or the content. 13.3 On termination your licence ends immediately and your data is handled under the Privacy Policy. 13.4 Sections 6, 8, 9B.2, 10 and 14 survive termination.

14. Liability

14.1 Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud, or for anything else that cannot be excluded by law. Nothing here affects your statutory rights as a consumer. 14.2 To the extent permitted by law, the App is provided "as is". We are not liable for indirect or unforeseeable losses, or for loss of profit or data, arising from your use of the App. 14.3 To the extent permitted by law, our total liability to you will not exceed LIABILITY_CAP. 14.4 We are not responsible for what other users post, but we handle reports as described in the Community Guidelines.

15. App stores (Apple and Google)

15.1 These Terms are between you and us only, not with Apple or Google. Apple and Google are not responsible for the App, its content, maintenance or support. 15.2 If you downloaded the App from the App Store: the licence applies on Apple-branded devices you own or control, as permitted by the Usage Rules in the Apple Media Services Terms. Apple has no obligation to provide any maintenance or support for the App. If the App fails to conform to any applicable warranty, you may notify Apple, and to the maximum extent permitted by law Apple has no other warranty obligation. Apple is not responsible for addressing any claims relating to the App, including product liability claims, claims that the App fails to meet legal or regulatory requirements, consumer protection claims, or third-party intellectual property infringement claims. You confirm that you are not located in a country subject to a US Government embargo and are not on any US Government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. 15.3 Your use is also subject to the terms of the store you downloaded the App from.

16. Governing law and jurisdiction

16.1 These Terms are governed by the law of GOVERNING_LAW, and the courts of JURISDICTION have jurisdiction over disputes. 16.2 If you are a consumer living in a country whose laws give you protections that cannot be waived, this clause does not remove those protections, or your right to bring proceedings in your local courts where applicable. 16.3 Before going to court, we encourage you to email support@moneyluster.com so we can try to resolve the issue informally.

17. Changes to these Terms

We may update these Terms. We will notify you in the App or by email at least 14 days before any material change takes effect. If you keep using the App after that, you accept the changes. If you don't agree, you can delete your account.

18. General

  • If any clause is found unenforceable, the rest remain in force.
  • If we don't enforce a clause, that does not waive it.
  • You may not transfer your rights under these Terms. We may transfer ours to an entity that takes over running the service, and will tell you.
  • If the Arabic and English versions differ, PREVAILING_LANGUAGE prevails.

19. Contact