PROTITAM (GXA Oy) LEGAL TERMS: DISCLAIMER,

PRIVACY POLICY, TERMS OF USE & REFUND POLICY

Version 1.2 — Last Updated November 2025

In simple terms: we don’t guarantee results, your data is protected, and refunds are available within 30 days if less than 20% of the course is completed.

IMPORTANT LEGAL NOTICE & DISCLAIMER

By accessing, purchasing, or using any product, service, course, content, or related offering from PROTITAM (GXA Oy) ("we", "us", "our", "the Company"), including this website and future platforms, you agree to the following Terms of Use, Privacy Policy, and Disclaimers in full. If you do not agree, you are prohibited from using or accessing any part of this site or our materials.

This site is not part of, endorsed by, or affiliated with Facebook, Google, YouTube, or any other third-party platform. All trademarks, logos, and brand names are the property of their respective owners.

1. LEGAL DISCLOSURE & BUSINESS INTENTION

PROTITAM (GXA Oy) is a personal development, music, and content creation brand that provides training, digital products, and consulting designed to support existing or aspiring creators and entrepreneurs.

We do not promise or imply guaranteed success, income, or results from our materials. Any earnings, revenue, or success examples shared are illustrative only and not typical. Your results will depend on individual effort, skills, and market conditions. We make no guarantees of income or outcomes. Past performance does not predict future results.

Your success depends entirely on your effort, discipline, background, and creativity. You are advised to consult legal, financial, or business professionals before acting on any information we provide. This content is not professional advice. We do not offer financial, legal, or business advice. If you start or grow a business using our products, you do so at your own discretion and risk. This is not a business opportunity, franchise, partnership, or employment offer.

2. DISCLAIMER OF FUTURE UPDATES & LIFETIME ACCESS

While our products may come with "lifetime access", the term “lifetime” refers solely to the operational lifetime of the course or platform, not the rest of your or our lives. We reserve the right to discontinue the course, platform, or service at any time due to business closure, sale, bankruptcy, force majeure, or strategic changes. We do not guarantee:
● Future updates or improvements to course content.

● Permanent or uninterrupted access to hosting platforms.

● Migration of content if platforms change ownership or cease to operate.Bypurchasing, you acknowledge this and waive any future claims,damages, or legal demands related to lifetime hosting, product continuation, or platform availability.

Force Majeure Events: We are not liable for failures caused by:

Natural disasters (earthquakes, floods)

Pandemics/epidemics

War/terrorism

Government actions

Internet/utility failures

Platform provider outages

In such cases, we may suspend services without penalty and will provide reasonable notice of resumption.

3. INTELLECTUAL PROPERTY & LICENSE TERMS

You are granted a limited, non-transferable, non-exclusive, revocable license to access and view the content for personal, non-commercial use only. You agree not to:

● Copy, share, resell, or distribute our content or IP.

● Create derivative works based on PROTITAM (GXA Oy) materials.

● Train others using PROTITAM (GXA Oy) content for paid or unpaid programs.

● Reverse-engineer or extract frameworks, methods, or systems for commercial duplication.Violation will result in immediate termination of access and potential legalaction.

To notify us of alleged copyright violations, send written notice to [designated agent email] containing:

a) Physical/digital signature of rights holder

b) Identification of infringed work

c) Location of infringing material on our platform

d) Your contact information

e) Good faith statement of unauthorized use

We will expeditiously remove infringing content and terminate repeat offenders' access. Counter-notices may be submitted per DMCA requirements.

If you believe your intellectual property rights have been violated, please contact us with supporting evidence. We comply with the EU Copyright Directive.

4. NON-COMPETE & INTELLECTUAL USE LIMITATION

You agree not to create, sell, or promote any directly competing online course, membership, or coaching program that substantially replicates PROTITAM (GXA Oy)’s proprietary frameworks, curriculum, or branding for a period of 24 months after enrollment.

This does not restrict you from creating general educational content, music, or personal branding materials in your own style, voice, or niche. It simply protects the original structure and intellectual property of PROTITAM.

Breach of this clause may result in termination of access and legal recovery of damages, including attorney fees where applicable.

5. REFUND POLICY

By purchasing and accessing the digital course immediately, you acknowledge and agree that your 14-day right of withdrawal under EU law is waived.

You are entitled to a 100% refund within 30 calendar days of your original purchase if:

● You submit a written request to: [email protected]

● You include your purchase details and reason for refund.

● You have not completed or downloaded more than 20% of the course.

After this window, no refunds are permitted. Refunds apply only to direct purchases from official PROTITAM (GXA Oy) channels. We reserve the right to deny refunds if abuse is detected.

All pricing is set at our sole discretion and reflects the perceived value of our content, not objective market standards.

6. NO WARRANTIES OR GUARANTEES

All products are provided "as-is" and "as-available." PROTITAM (GXA Oy) disclaims all warranties, including but not limited to:

● Fitness for a particular purpose.

● Merchantability.

● Outcome or result accuracy.

● Income or career gains.

We do not warrant that our site, platforms, or materials will be error-free or continuously available.

7. LIMITATION OF LIABILITY

Under no circumstances shall PROTITAM (GXA Oy), its founder, employees, contractors, or partners be liable for:

● Loss of revenue, profits, or business.

● Technical issues, platform outages, or data loss.

● Personal dissatisfaction with the course.

● Any indirect, incidental, special, or consequential damages.

Any forward-looking statements (e.g., 'potential earnings,' 'growth strategies') are opinions only. No guarantees are made that you will achieve similar results. You assume all risk of loss or failure.

Total liability shall never exceed the amount paid by the customer for the product or service.

8. PRIVACY POLICY

By using our site and services, you consent to the collection and use of your information according to our Privacy Policy, including:

● Email address for updates, marketing, and support.

● Analytics to improve the product.

● Protection of your data from unauthorized sharing or resale.

We use cookies for analytics, functionality, and marketing. By using this site, you consent to data collection per our Privacy Policy.

We respect your data and comply with GDPR/CCPA requirements.

We use third-party service providers such as [Descript, Course Creator 360, Google Analytics, etc.] to process data securely under GDPR-compliant agreements.

This site uses cookies for analytics, functionality, and marketing. By continuing to use this site, you consent to our use of cookies as described in our Privacy Policy.

We process data through secure, GDPR-compliant service providers, including website hosting (e.g., Hostinger), payment processing (Stripe or PayPal), analytics (Google Analytics), and course delivery (Course Creator 360).
You have the right to access, correct, or delete your data at any time by contacting [email protected]

9. REVISIONS, CHANGES, AND TERMINATION

We reserve the right to update, revise, or terminate access to our services at any time, without notice, for any reason. Continued use constitutes acceptance of updated terms.

10. LEGAL VENUE & GOVERNING LAW

All legal matters, disputes, or claims related to PROTITAM (GXA Oy)products, services, or business must be handled exclusively in Turku, Finland, under Finnish law, regardless of where you reside or access the content.

Any dispute or claim relating to these Terms shall be resolved through binding arbitration in Turku, Finland under the Rules of the Finland Arbitration Institute. The arbitration shall be conducted in English, with one arbitrator appointed by mutual agreement. You waive all rights to:

Class action lawsuits

Jury trials

Court proceedings (except to enforce arbitration awards)

The prevailing party is entitled to recover reasonable attorney fees and costs.

11. RELATIONSHIP OF PARTIES
Purchasing from PROTITAM (GXA Oy)does not create a joint venture, partnership, agency, or employee relationship. You are a customer/licensee only.

12. ENFORCEMENT, INDEMNIFICATION & LEGAL FEES

If you breach these Terms and Conditions, you agree to indemnify and hold harmless PROTITAM (GXA Oy)and its representatives against all claims, liabilities, legal actions, and costs. If legal enforcement is required, you will be responsible for all attorney fees and associated court costs.

13. FINAL CONSENT

By using this website or purchasing from PROTITAM, you confirm that you: Have read, understood, and agree to all terms.

Acknowledge that results may vary.

Are purchasing voluntarily with full responsibility. Release PROTITAM (GXA Oy) from any liability, financial expectation, or guarantee of future outcomes.

14. AGE RESTRICTION

You confirm you are at least 18 years old. Minors may only access our services with parental consent and supervision.

15. AFFILIATE DISCLAIMER

From time to time, PROTITAM (GXA Oy) may recommend or link to third-party products, services, or tools that we personally use or believe in.
Some of these links may be affiliate links, meaning we may earn a small commission if you purchase through them — at no additional cost to you.
We only recommend products that align with our educational mission and are genuinely valuable to creators and entrepreneurs.
However, you should always perform your own due diligence before making any purchase decisions. PROTITAM (GXA Oy) is not responsible for any third-party offers, products, or services.

16. TESTIMONIALS & RESULTS DISCLAIMER

Testimonials, success stories, and user experiences presented on this site or in our marketing materials are individual examples.
They are not typical and do not guarantee that current or future users will achieve the same results.
These statements are based on personal experiences and opinions and are intended to highlight what’s possible through dedicated effort.
Your results will vary depending on factors such as consistency, skill level, and personal discipline.

17. DATA BREACH NOTIFICATION

We are committed to keeping your data secure.
In the unlikely event of a data breach that compromises your personal information, PROTITAM (GXA Oy) will notify all affected users and the relevant authorities within 72 hours, in compliance with the EU General Data Protection Regulation (GDPR).
We will take immediate steps to identify the cause, mitigate damage, and prevent future breaches.

18. NO CHARGEBACKS OR PAYMENT REVERSALS

By completing a purchase with PROTITAM (GXA Oy), you acknowledge that you are responsible for the full payment of your selected product or course.
You agree not to initiate chargebacks, payment reversals, or disputes through your bank, credit card, or payment provider for any reason outside of our stated refund policy.
Unauthorized or false chargebacks are treated as a breach of these Terms, and we reserve the right to pursue recovery of the original amount, including fees incurred.

If you cannot agree with any of the above, do not use or purchase PROTITAM (GXA Oy) products.

PROTITAM (GXA Oy)
Business ID (Y-tunnus): 2873319-3
Registered Address: Turku, Finland
Email: [email protected]

Questions? Contact: [email protected]

DMCA Agent Contact: [email protected]

GDPR Data Requests: [email protected]