By accessing or using the website, the user agrees to be bound by these terms and conditions in full. If the user does not agree with any provision, they must discontinue use immediately. Continued access constitutes ongoing acceptance of the terms as they may be amended from time to time.

The operator refers to the entity responsible for the website. Services include all courses, workshops, materials, and digital content offered through the platform. Users are individuals who access the website or register for any service. Content encompasses all text, data, images, software, and other materials available on the site.

### Eligibility. User Eligibility

Services are intended for professionals and organizations with an interest in stochastic mortality modeling and related analytical fields. Users must be at least eighteen years of age and possess the legal capacity to enter into binding agreements. The operator reserves the right to refuse service to any user who does not meet these requirements.

### Registration. Account Registration

Certain services require account creation. Users must provide accurate and complete information during registration and maintain the confidentiality of their login credentials. The user is responsible for all activities conducted through their account. The operator must be notified immediately of any unauthorized access or security breach.

All content on the website, including course materials, research papers, methodologies, and software tools, is the property of the operator or its licensors and is protected by copyright, trademark, and other intellectual property laws. Users receive a limited, non-exclusive, non-transferable license to access content for personal professional development only.

Users may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content without prior written consent. Reverse engineering, data scraping, automated access, or interference with website functionality is strictly prohibited. Users may not share account credentials or allow unauthorized access to paid materials.

### Payments. Payments and Refunds

Fees for courses, workshops, and other services are displayed at the point of purchase and must be paid in full before access is granted. The operator uses third-party payment processors and does not store complete payment card details. All fees are exclusive of applicable taxes unless stated otherwise. Refund requests are evaluated on a case-by-case basis in accordance with the operator's refund policy.

### Liability. Limitation of Liability

To the fullest extent permitted by law, the operator shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of the website or services. This includes but is not limited to loss of profits, data loss, business interruption, or reliance on analytical frameworks presented in course materials.

The operator may suspend or terminate a user's access to the website and services at any time, with or without cause, and with or without notice. Upon termination, all licenses granted to the user shall cease immediately. Provisions relating to intellectual property, liability limitation, and indemnification shall survive termination.

These terms and conditions are governed by the laws of Ireland and applicable European Union regulations. Any dispute arising from or relating to these terms shall be subject to the exclusive jurisdiction of the courts of Ireland. If any provision is found unenforceable, the remaining provisions shall continue in full effect.

The operator reserves the right to modify these terms and conditions at any time. Changes take effect upon posting to the website. Continued use of the website or services after amendments constitutes acceptance of the revised terms. Users should review this page periodically to remain informed of updates.

For questions about these terms and conditions, or to report violations or concerns, users may contact the operator through the contact page. The operator will respond to inquiries within a reasonable timeframe and may request additional information to address specific concerns.