Terms and Conditions

1. The agreement

These terms are the agreement between you and Xata Technologies OPCfor your use of Systems Thinker Learn at learn.systemsthinker.ai (the "Platform") and the courses on it. By creating an account or buying a course, you accept them.

Our privacy policy and refund policy form part of this agreement. If you do not accept these terms, do not use the Platform.

2. Who we are

Xata Technologies OPC
SEC Registration No. 2025080212430-00
Unit 2116-17 21F, Park Triangle Corporate Plaza, BGC, Taguig City, NCR, Philippines 1635

We produce and operate the Platform. Paddle.com Market Ltd is our merchant of record and is the seller for your purchase. See section 6.

3. Your account

• You must be at least 16 years old to create an account.
• An account is personal to one individual. Give accurate details and keep your sign-in credentials to yourself.
• You are responsible for what happens under your account. Tell us promptly if you believe someone else has access to it.
• If you are buying for an organization, the account still belongs to the individual using it, and each person needs their own.
• You can delete your account at any time from your account settings.

4. What you are buying

Buying a course gives you a personal, non-exclusive, non-transferable, revocable licence to access and use that course for your own learning and for the business you operate. It is a licence to use the material, not a sale of the material itself.

You may:

• Work through the course and complete its exercises.
• Apply what you learn in your own business or in client work you personally deliver.
• Produce the course artifacts for your own business and use them however you wish. See section 10.
• Download materials we make downloadable, for your own reference.

You may not:

• Share your account, or give anyone else access to paid material, including within your own company.
• Copy, republish, resell, sublicense, or redistribute course videos, text, templates, or exercises.
• Teach the course, or a derivative of it, as your own training product, whether paid or free.
• Use the course material to train a machine learning model, or scrape or bulk download it by any automated means.
• Remove or obscure any notice of ownership.

5. Access and availability

Full course access is sold as lifetime access, meaning for as long as we operate the Platform and the course remains part of it. It includes updates we make to that course.

We are honest about what "lifetime" can mean from a small company. If we ever had to withdraw a course or close the Platform, we would give you at least ninety (90) days notice and a way to download the core materials you paid for. If we withdrew a course you bought less than twelve (12) months earlier, we would refund you.

We aim to keep the Platform available at all times but do not guarantee uninterrupted access. Maintenance, provider outages, and events outside our control can interrupt it.

6. Price, payment, and tax

Prices are shown on our pricing page in US dollars and exclude tax. Any VAT, GST, or sales tax that applies where you live is calculated and shown before you pay.

Paddle.com Market Ltd acts as our merchant of record and is the seller of record for your purchase. They process the payment, handle tax, and issue your receipt, which is why their name appears on your card statement rather than ours. Their own terms apply to the payment transaction alongside these terms.

Course access is granted as soon as payment completes. Where a promotional or founding price is offered on a stated limit, we honour that limit as published.

7. Refunds

Course purchases are covered by a 14-day money-back guarantee, with no reason required and no limit on how much of the course you have watched. The refund policy sets out how to request one, how purchases made through the Apple App Store and Google Play are handled, and how the right of withdrawal works for buyers in the EEA and the UK.

8. Acceptable use

You agree not to:

• Break the law, or infringe anyone's rights, while using the Platform.
• Interfere with the Platform's operation or security, or try to reach parts of it you are not authorised to use.
• Circumvent access controls, including the measures that protect paid content and course media.
• Upload malicious code, or use the Platform to distribute it.
• Harass or abuse anyone, including us. Robust disagreement about the material is welcome.

9. Our intellectual property

All course content, including videos, written lessons, exercises, canvases, templates, diagrams, and the Systems Thinker name and marks, belongs to Xata Technologies OPC or is used under licence. Nothing in these terms transfers ownership of any of it to you.

The ideas and methods taught are meant to be used. Applying the frameworks in your own business, and describing what you did, is exactly the point and is not a breach of this section. Reproducing our expression of those ideas, meaning our videos, wording, and materials, is.

10. Your work and artifacts

The artifacts you produce while working through a course, meaning your capability map, canvases, glossary, matrices, and implementation specs, are yours. We claim no ownership of them and no licence to use them.

If a refund is issued, access to the paid course ends, but your artifacts remain yours and we do not delete or reclaim them.

If you send us feedback about the course, we may act on it and improve the material without owing you compensation. That is feedback about our product, and it is separate from the work you produce for your own business.

11. Educational purpose, not professional advice

The courses are education. They are not legal, tax, accounting, financial, or other professional advice, and no lawyer, accountant, or adviser relationship is created by buying one or by corresponding with us about it.

This matters in particular where a course discusses law or regulation, including Philippine corporate law and the obligations of a One Person Corporation. That material is included to show how legal structure shapes the design of a business, using the law as it stood when the lesson was recorded. Law changes, applies differently to different businesses, and differs entirely outside the Philippines. Before you act on anything in those lessons, take advice from a qualified professional in your own jurisdiction.

Nothing in the courses is a promise of business results. What you get out of the material depends on your business, your market, and the work you put in, none of which we control. We make no guarantee of revenue, savings, growth, or any other outcome.

12. Disclaimers

The Platform and its content are provided "as is" and "as available". To the fullest extent the law allows, we disclaim implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Where a course names a tool or service, it is an interchangeable example rather than a recommendation, and we are not responsible for third-party products, their pricing, or their continued existence.

Nothing here excludes a warranty or guarantee that cannot be excluded under the law that applies to you as a consumer. See section 9 of the refund policy.

13. Limitation of liability

To the fullest extent the law allows, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost revenue, lost data, or business interruption, arising from your use of the Platform or the courses.

Our total liability arising out of or relating to this agreement is limited to the amount you paid us in the twelve (12) months before the event giving rise to the claim.

Nothing in this section limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be limited under the law that applies to you.

14. Suspension and termination

We may suspend or close an account that breaches these terms, particularly the sharing and redistribution rules in section 4 or the acceptable use rules in section 8. Except where the breach is serious or repeated, we will tell you what the problem is and give you a reasonable chance to put it right first.

If we close a paid account for a breach, we may withhold a refund for the remaining value. If we close one for any other reason, we will refund you fairly.

You may stop using the Platform and delete your account at any time. Sections 9, 10, 12, 13, and 16 survive termination.

15. Changes

We may update these terms. Where a change is material we will give notice on the Platform or by email before it takes effect. The version in force when you bought a course governs that purchase, so a later change cannot reduce what you were promised when you paid.

We may also improve, reorganise, or re-record course material. Changes of that kind are included in your access rather than sold separately.

16. Governing law and disputes

This agreement is governed by the laws of the Republic of the Philippines. The courts of Taguig City, Metro Manila have exclusive jurisdiction, without prejudice to mandatory rights you may have to bring proceedings in the courts of the country where you live.

Before starting formal proceedings, please write to us. Almost everything is faster to fix by email.

17. Contact

hello@xatatech.com

Xata Technologies OPC
Unit 2116-17 21F, Park Triangle Corporate Plaza, BGC, Taguig City, NCR, Philippines 1635