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Ashton Wolfe

Owner & CEO

Ashton 's journey is defined by survival, adaptability, and self-education.

Early Career

At 14, Ashton began working in door-to-door sales to pay rent, where he developed strong resilience and an even stronger work ethic. By 18, he managed sales and marketing at a small retail chain while building an ecommerce business selling headphones on the side. Raised by a single mother losing hope, he faced the choice of community college or the military. Discovering Bitcoin, Ashton pivoted to a new opportunity, avoiding a government commitment and poor education.

Professional Growth

From 2015 to 2017, Ashton scaled EasyBit's ATM operations to the largest crypto ATM network globally, enhancing his skills in marketing, sales, and operations. He then joined a web3 marketing firm, contributing to its growth into an award-winning agency from 2017 to 2020.

Post-2020, Ashton ventured into the banking sector with an offshore crypto bank start-up. After exceeding sales for the business to later flop, he founded MohrWolfe with Felix, another award-winning agency that built a network of motivated professionals with a strong emphasis on experiential learning.

Skolarships

Leading Skolarships, Ashton combines his drive in self-education with blockchain business experience to innovate education with community. As a professional athlete, his discipline and continuous improvement ethos are integral to his approach when building any business.

Ashton Wolfe's journey from door-to-door sales to founding Skolarships showcases a career built on overcoming adversity, embracing self-education, and driving innovation. His background aligns with Skolarships' mission, positioning him to lead an educational revolution over the coming decades.

Felix Mohr

Co-Owner & CFO

Early Career

Felix Mohr graduated in International Business Management and International Marketing. He furthered his education by becoming a certified fintech professional through the University of Hong Kong. With a strong passion for entrepreneurship, Felix operated his first small venture during university with six employees and wrote his bachelor thesis on how to start and grow an early-stage start-up. Growing up speaking three languages at home and later learning a fourth while at university, Felix is a true polyglot.

Professional Growth

After graduation, Felix started working in Sales and Business Development and got into Bitcoin early in 2017. He began his professional journey at a law firm in Bangkok, assisting early-stage web3 start-ups in their rise to fame. In 2019, he transitioned into private banking, helping web3 companies and exchanges obtain EUR and USD bank accounts. In 2020, Felix co-founded MohrWolfe with Ashton at the start of a global pandemic, revolutionizing the marketing and personal branding game in web3. MohrWolfe became an award-winning agency later that year.

Skolarships

Having experienced the traditional business educational background, Felix sees the flaws in the existing education system. He self-taught himself about blockchain and crypto, recognizing the immense potential in this sector.

Felix believes education should be accessible to everyone with a low barrier of entry, assuming that roles in blockchain businesses will become a required skill within the next 10 years. With a strong legal, banking, and accounting background, Felix brings ultra-high-value professional skills to the team.

Mark Moroz

CTO & Head of Product

Early Career

Mark graduated from San Francisco State University majoring in BTech and Computer Engineering. He began his career in blockchain technology back in 2017, swiftly developing an expertise in decentralized applications (dApps). His early projects focused on the intersection of blockchain and gaming, where he demonstrated a clear understanding of how this innovative technology could reshape entertainment. As a natural problem solver with a keen eye for both product development and user experience, Mark’s passion for cutting-edge technology fueled his rise in the world of Web3.

Professional Growth

With over 50 Web3 products under his belt, Mark became a pioneering force in the field, pushing the boundaries of decentralized tech environments. His ability to integrate blockchain technology into virtually any product earned him recognition as a visionary, allowing him to collaborate with top-tier developers and innovators. As CTO and Head of Product, Mark has not only led product development but has also mentored teams across multiple projects, ensuring that every dApp built under his guidance is scalable, secure, and engaging.

Skolarships

At Skolarships, Mark leverages his experience in Web3 and product development to oversee the creation of a dynamic, scalable platform that integrates community-driven education with blockchain solutions. His deep understanding of technology and his commitment to delivering user-friendly, innovative solutions are at the core of Skolarships' mission. Mark’s technical expertise ensures that the platform offers both educators and learners the tools they need to succeed in a fast-evolving digital landscape.

Creator's can opt-in to the accredited accelerator program where they can apply to become a certified educator by Skolarships. Courses within the community will be reviewed thoroughly, following similar frameworks to existing accrediting bodies like the CHEA, DEAC, and HLC.

Select courses within communities will be accredited by leading universities, institutions, and professionals amongst a series of industries available on the platform.

Skolarships Educational & Institutional Partnership Programs

Skolarships: Empowering Education with Networking

Founded by seasoned entrepreneurs Ashton Wolfe & Felix Mohr, the vision of Skolarships originated when the duo came together and realized the existing problem with creators selling unstructured, sloppy courses on Instagram, Facebook, and other social platforms. With the two's experience in personal growth and global entrepreneurship, the solution was crystal clear.

Create a clean, organized system where creators worldwide can upload their courses in customizable formats making the community learning experience seamless and more effective.

Origin & Vision

Skolarships was born out of Ashton Wolfe's extensive experience and unwavering belief in the power of self-education. With a background marked by resilience, adaptability, and a relentless pursuit of knowledge, Ashton envisioned a platform where creators could thrive without the constraints of traditional educational systems.

Traditional education systems are oftentimes expensive and experienceless. The weighted average cost of attending a four-year college has increased by 14% over the past decade, inflation-adjusted debt has increased by 45% over the same time period, and repayment rates have cratered.

The average business professor has no real experience in the field. Instead of providing real-world tasks and assignments with emotions (money) involved, they'd rather promote academic material that could be outdated in a few years time at the rate the world is moving in.

Founder's Journey

Ashton Wolfe’s career began at 14 with door-to-door sales, where he developed a strong work ethic and resilience from both acceptance and rejection in the thousands. By 18, he was managing sales and marketing at a retail chain, until his discovery of crypto. At 19, the future of Bitcoin led him to scale EasyBit's ATM operations to become the largest crypto ATM network globally. He further demonstrated his adaptability by contributing to the growth of a web3 consulting firm into an award-winning agency during the rise and fall of Ethereum ICOs, as well as outperforming sales in an off-shore banking start-up; all reliant on the "figure it out" framework.

Felix Mohr's journey began in his university days building a translation platform for foreign exchange students to connect with native speakers to learn the language and navigate their journies around the world. The two crossed paths in 2019 and instantly connected and saw the value and balance they brought to each other.

This journey of continuous learning and overcoming adversity resulted in the creation of MohrWolfe, where Ashton & Felix built another award-winning agency with a network of motivated professionals who thrived on experiential learning. This foundation paved the way for the establishment of Skolarships.

The Approach

Skolarships combines the ethos of community in the blockchain space with an educational platform to provide a unique value proposition:

1. Decentralized Education: Utilizing blockchain to ensure security, transparency, and ownership of educational content.

2. Community Building: Allowing creators to build and engage with their communities through a gamified social platform. See Communities for more information.

3. Monetization: Enabling members and creators to monetize their engagement, courses and content effectively. As well as scaling payments using blockchain technology was a no-brainer. See For Creators for more information.

4. Affiliate Programs: Facilitating growth and reach through highly-incentivizing programs built for everyone. Affiliates will receive lifetime revenue shares from both platform and community referral programs. See Skolar Rewards Club for more information.

Core Values

1. Self-Education: Encouraging continuous learning and personal growth.

2. Innovation: Leveraging cutting-edge technology to stay ahead in the educational sector.

3. Community: Building a supportive and interactive ecosystem for creators and learners.

4. Resilience: Cultivating a culture of perseverance and adaptability.

5. Networking: Creating relationships with likeminded individuals around the world.

6. Opportunities: Through networking, opportunities like job offers and business development arise.

Looking Forward

With the rise of self-learning since the latest pandemic, Skolarships is poised to lead an educational revolution.

The aim is to bridge the gap between traditional education and the future of learning, providing tools and resources for creators to thrive in a decentralized world.

Courses on Skolarships can be customized to the creators preference.

Everyone has their own style of teaching. Giving customization options makes the teaching and learning experience more fun. Think about the classes you took in school with a fun teacher vs a boring teacher. Who's information did you retain the most?

Course Overview

This is the introduction to the course. Typically, a video from the creator introducing themselves, verifying their credentials about the subject, and an introduction of the course with a visual overview of expectations when moving forward.

Progression Locks

Some modules can be locked on a milestone-basis. Should a creator wish to incentivize progress to move forward and engage with the learning materials, they can add a lock to courses that require completion, payment, or time in the community to advance.

Modules

Modules can be customized with additional content in a drop-down menu. Creators can build an unlimited number of modules with an unlimited number of lessons attached. The module is intended to give the students an overview of what lessons they can find inside. Lessons inside each module can contain text, video, or both. Entirely up to the creator.

Educational Standards for Onboarding Creators

E-learning platforms often implement educational standards and guidelines to ensure the quality and consistency of courses offered by new creators and teachers. These standards help maintain a high level of educational integrity and provide a seamless learning experience for users.

How Skolarships Manages Educational Standards

The analytics pages will pinpoint directly where your successes and losses are. Creators can track their community statistics in real-time and optimize for future campaigns and add-ons.

Creators can track their affiliate progress to see who their top performers are in real-time. This dashboard can help creators stay up to date with the MVPs of the community and offer exclusive opportunities down the line.

Blockchain technology will significantly enhance the business model for Skolarships, providing numerous benefits in terms of payments, transparency, scalability, and even marketing.

How Skolarships will integrate blockchain technology:

The self-education market is experiencing unprecedented growth, driven by the rise of entrepreneurship and solopreneurship across all industries. As traditional formal education models are increasingly expensive and challenged, the demand for flexible, high-quality self-education is soaring.

Current market offerings typically focus on either courses or community, rarely combining the two effectively. However, platforms that successfully integrate both elements see significant growth, as they enable users to interact with educators and peers seamlessly online.

The synergy of education and community offers substantial benefits. It fosters collaboration among like-minded individuals, often leading to new business ventures and mutual learning opportunities, much like a university environment. Furthermore, these communities are incredibly diverse, encompassing a wide range of ages, ethnicities, and geographical locations, enhancing the learning experience and broadening perspectives.

By blending education and community, we are positioned to capitalize on this dynamic market, providing an enriched, interactive learning environment that meets the evolving needs of modern learners.

Growth (3 - 12 Months)

Google Trends

Search Interest: Google Trends data shows a steady increase in over 14% annually in search interest for terms like "online courses," "self-education," "e-learning," and "online learning" over the past year. The interest peaked during significant periods of remote work and learning mandates but has remained consistently higher than pre-pandemic levels.

These trends highlight the substantial and ongoing growth in the self-education and online learning sectors, driven by advancements in technology, increasing internet access, and the flexibility and accessibility of online education platforms. This sustained growth underscores the importance of digital learning solutions in meeting educational and training needs globally.

Active Company Analysis

Easy as 1, 2, 3

1. Access Sign-Up Page: Visit the Skolarships sign-up page on the homepage.

2. Creating an Account: Enter your email address and create a password to set up your account. You also have the option to sign up using your existing mail and social media accounts.

3. Community Joining: Once registered, you can search for communities to join. If a community is private, you might need to request access or answer membership questions set by the community admin.

4. Complete Profile: Fill out your profile with relevant information, including your interests and expertise, to enhance your community experience. Earn extra Golden Stars (points) by connecting your social media accounts and crypto wallets.

5. Start Engaging: Once your account is set up and you've joined a community, you can start participating in discussions, enrolling in courses, and engaging with other members.

Skolarships allows creators to post to public and private calendars when hosting events for the masses or exclusive events for select community members.

Events are hosted on the platform rather than using 3rd party software like Zoom or Google.

Users have the choice to sign-up for accounts on Skolarships using the traditional email + password process, connecting their existing mail accounts, and logging in with their social media accounts.

The more accounts you connect under one profile, the more points you earn towards the Golden Star marketplace.

By offering both free and paid community options, Skolarships allows users to build and participate in communities that meet their specific needs, whether for casual engagement or professional growth.

This dual approach caters to a wide range of users, fostering inclusive and vibrant online communities.

Free Communities

Creators will be able to mint lifetime passes to their communities, offering exclusive benefits and lifetime availability to those dedicated to the art.

Functionality

Creators can opt-in for additional, exclusive offerings for their community only. Purely dependent on the creator and industry, members will find attractive and even unattractive additions they can experiment with and purchase directly from creators.

Below are a few examples of add-ons creators can add to upsell their community and enhance their value proposition even further.

$SKO is the native token of Skolarships, a platform designed to enhance educational and community experiences through blockchain technology.

Key Features & Uses of $SKO

To make this site work properly, we sometimes place small data files called cookies on your device. A cookie is a small text file that a website saves on your computer or mobile device when you visit the site. It enables the website to remember your actions and preferences (such as login, language, or other preferences) over a period of time, so you do not have to keep re-entering them whenever you come back to the site or browse from one page to another.

Cookies on Skolarships.com

The following table sets out the different categories of cookies that our site uses, and why we use them. The lists of third-party cookie providers are intended merely as illustrative and should not be viewed as a comprehensive list.

Cookies and You

To sign up for an account, you must have cookies enabled on your internet browser. If you choose not to enable cookies, you will still be able to browse our website, but it may restrict some of the functionality of our website or what you can do.

Controlling your cookies

You can control cookies in your browser to enable or disable them. If you wish to restrict or block the cookies which are set by any website, you should do this through the web browser settings for each web browser you use, on each device you use to access the internet.

You can also manage many companies’ cookies used for online advertising via the consumer choice tools created under self-regulation programs in many countries, such as the US-based aboutads.info choices page or the EU-based Your Online Choices.

Coming soon.

Skolarships is turning passions into profits by enhancing the existing education and community landscape. An e-learning platform that offers secure, transparent, and engaging educational experiences featuring both free and paid communities where creators share courses, resources, and interactive content. Leveraging blockchain technology, Skolarships scales payments globally for a seamless user experience and offers incentivizing rewards through a token-based loyalty system.

If you are an instructor, a content creator, knowledge guru, or an entrepreneur, Skolarships enables you to build and manage thriving educational communities with the platform's tools. Online courses in combination with gamified communities, Skolarships provides the infrastructure needed to deliver quality education and community resources for millions of people worldwide.

Earning Has Never Been Easier (and fun)

Creating courses and scaling communities on Skolarships is straightforward and efficient. The platform caters to the bustling digital economy of connecting people and services. Skolarships supports multiple monetization models, including subscriptions, one-time purchases, and tiered memberships, allowing users to bundle their offerings and provide maximum value to their community members.

This policy is a "living" document, and subject to refinement and expansion in the future.

Skolarships is dedicated to providing a harassment-free experience for everyone, regardless of gender, gender identity and expression, sexual orientation, disability, physical appearance, body size, age, race, or religion. We do not tolerate harassment of members in any form.

This code of conduct applies to all Skolarships groups, including our community, both online and offline. Anyone who violates this code of conduct may be sanctioned or expelled from these groups at the discretion of the Skolarships team.

Some Skolarships groups may have additional rules in place, which will be made clearly available to members. Members are responsible for knowing and abiding by these rules.

Definitions

Harassment includes:

• Offensive comments related to gender, gender identity and expression, sexual orientation, disability, mental illness, neuro(a)typicality, physical appearance, body size, age, race, or religion.

• Unwelcome comments regarding a person’s lifestyle choices and practices, including those related to food, health, parenting, drugs, and employment.

• Deliberate misgendering or use of 'dead’ or rejected names.

• Gratuitous or off-topic sexual images or behaviour in spaces where they’re not appropriate.

• Physical contact and simulated physical contact (eg, textual descriptions like “*hug*” or “*backrub*”) without consent or after a request to stop.

• Threats of violence.

• Incitement of violence towards any individual, including encouraging a person to commit suicide or to engage in self-harm.

• Deliberate intimidation.

• Stalking or following.

• Harassing photography or recording, including logging online activity for harassment purposes.

• Sustained disruption of discussion.

• Unwelcome sexual attention.

• Pattern of inappropriate social contact, such as requesting/assuming inappropriate levels of intimacy with others

• Continued one-on-one communication after requests to cease.

• Deliberate “outing” of any aspect of a person’s identity without their consent except as necessary to protect vulnerable people from intentional abuse.

• Publication of non-harassing private communication.

• Skolarships prioritizes marginalized people’s safety over privileged people’s comfort. The Skolarships team reserves the right not to act on complaints regarding:

• ‘Reverse’ -isms, including ‘reverse racism,’ ‘reverse sexism,’ and ‘cisphobia’

• Reasonable communication of boundaries, such as “leave me alone,” “go away,” or “I’m not discussing this with you.”

• Communicating in a ‘tone’ you don’t find congenial

• Criticizing racist, sexist, cis sexist, or otherwise oppressive behavior or assumptions

Reporting

If you are being harassed by a member of Skolarships, notice that someone else is being harassed, or have any other concerns, please contact the Skolarships team at help@skolarships.com. If the person who is harassing you is on the team, they will recuse themselves from handling your incident. We will respond as promptly as we can.

This code of conduct applies to Skolarships spaces, but if you are being harassed by a member of Skolarships outside our spaces, we still want to know about it. We will take all good-faith reports of harassment by Skolarships members seriously. This includes harassment outside our spaces and harassment that took place at any point in time. The abuse team reserves the right to exclude people from Skolarships based on their past behavior, including behavior outside Skolarships spaces and behavior towards people who are not in Skolarships.

In order to protect volunteers from abuse and burnout, we reserve the right to reject any report we believe to have been made in bad faith. Reports intended to silence legitimate criticism may be deleted without response.

We will respect confidentiality requests for the purpose of protecting victims of abuse. At our discretion, we may publicly name a person about whom we’ve received harassment complaints, or privately warn third parties about them, if we believe that doing so will increase the safety of Skolarships members or the general public. We will not name harassment victims without their affirmative consent.

Consequences

Members asked to stop any harassing behavior are expected to comply immediately.

If a participant engages in harassing behavior, the Skolarships team may take any action they deem appropriate, up to and including expulsion from all Skolarships groups and identification of the participant as a harasser to other Skolarships members or the general public.

Diversity

Skolarships welcomes and encourages participation by everyone. No matter how you identify yourself or how others perceive you: we welcome you. We welcome contributions from everyone as long as they interact constructively with our communities.

Mission

To empower content creators and learners by providing an accessible platform for dynamic education and vibrant community building.

Skolarships aims to connect networking with education, providing a dynamic and engaging platform where newly-established and veteran creators can build vibrant communities around the expertise they love; all with ease using the tools the platform provides with rewarding incentives.

Vision

To revolutionize education by combining a global network of creative creators with a committed community, driving innovation, and facilitating lifelong learning and networking for everyone.

To turn the vision into a reality, the platform needs to be relative to today's likeness. Skolarships blends fan-favorite interfaces inspired by Slack, Discord, and X with communities and innovative revenue models for the worldwide masterminds looking to monetize their passions and knowledge. People from around the world can find like-minded communities and learn from thoroughly structured courses alongside others that share similar passions.

Skolarships will stack the best pieces of existing industry leading platforms together and expand it with resources that make the ecosystem easy to use and accessible for all.

The end-product offers a ground-breaking e-learning platform that uniquely combines the usefulness of blockchain technology with an unmatched community-gamified education model.

The 6 Pillars of Value

Skolarship's admission model allows creators to have control over who joins their communities. This selective process ensures that the community maintains a high level of engagement and that members align with the community’s goals and values.

How It Works

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By merging the best practices and features of top e-learning and community platforms, Skolarships can provide a robust, flexible, and engaging environment for community-based learning in both free and paid models. This approach leverages the strengths of both platforms to create a comprehensive solution that meets the diverse needs of creators, learners, and community managers.

Core Features

Product Architecture

General information on the software stacks used on every end of the Skolarships product.

UI/UX

How the user interface will benefit and maximize the user experience of the platform.

Smooth and seamless communication in a format for everyone.

Creating Posts

Skolarships members can create posts and polls in a fully customizable variety of categories created by the owner of the community.

Some categories can be blocked by paywalls or set to private for exclusive access or communication amongst the internal team of the communities.

Engagements

Members can engage with other members, teachers, moderators, and owners in real-time to harness the power of interactive learning experiences with people around the world.

Leaderboards

Leaderboards are a gamification feature designed to enhance engagement and motivation among members.

Community management plays an integral role when building communities. There are two paths to take when building a community.

Skolarships Managers

Skolarships will offer top of the line, 25/8 community management for any creator seeking additional admins. Additional percentages of revenue generated will go towards Skolarships for helping manage communities around the clock.

BYOM (Bring Your Own Manager)

Opting-out of Skolarships Community Manager services could be more your style. Do you have admins you can trust to moderate the community? Will some creators be one-man(or woman)-armies and managing hundreds, if not thousands of people themselves. As a creator, you have choices.

Where Experience, Education, & Community Collide

There is no singular platform that seamlessly incorporates the benefits of community, education, and blockchain technology under one roof.

Combining the best practices from successful platforms like Skool, Circle.so, Udemy, Coursera, and Friend.Tech, Skolarships can provide a comprehensive and competitive offering in the market.

Focusing on community engagement, diverse and interactive educational content, seamless and secure payment systems, effective monetization strategies, and an exceptional user interface can create a platform that stands out in the growing e-learning and community space.

Incorporating blockchain technology can further enhance monetization, security, transparency, and innovation, making the platform more attractive to modern learners and educators.

To enable crypto payments on Skolarships, users need to find a proper and safe wallet that supports the blockchain of their choice.

Here are a few recommended options to get started with download links and guides.

Skolarships Compatible Wallets

• MetaMask

• WalletConnect

• Trust Wallet

• Phantom

• XVerse

You can find more in-depth information about suggested wallets below.

This comparison table gives an overview of the most trusted and secure wallets used when accessing the Skolarships platform.

Which wallet should I choose?

To access select communities, all wallet suggestions can be configured to connect on most desktop browsers.

Paid Communities

Skolarships elevates user engagement with rewards through leaderboard participation and the Golden Stars marketplace, offering unique incentives directly from the platform.

Creators can also earn exclusive Skolarships-based reward for hitting different milestones.

Within their communities, creators can further enrich the customer experience by offering exclusive rewards such as airdrops, leaderboards recognition, tips, and custom titles, turning participation into a rewarding journey.

See The "Hands" Program for more information.

Skolarships Offers More Opportunities for Creators & Members

Stat Comparison Between 5 Largest E-Learning Businesses

Community creators have a choice between creating a free or paid community. In the case of a paid community, the list below showcases the structure in tiers based on revenues made by active subscribers using the Spotlight option on the Skolarships platform.

Subscriptions can be paid in both fiat and crypto. Please see the section for more information.

Skolarships offers transactional processing through the use of cryptocurrency to scale and optimize transaction fees and time.

Skolarships implements crypto PSPs including Coinbase Commerce, MoonPay, and BitPay to effectively process transactions on the platform.

Recurring Payments

The only way to capture automated subscriptions is through fiat PSPs (crypto is not supported, yet). Automated payments are the preferred route for more creators to seamlessly withdraw funds directly to their bank.

Should any issues arise with existing payment processors, Skolarships support is open for resolving any issues at hand 24/7. See the Support Center for more information.

Through a series of PSP partners, Skolarships offers seamless withdraws directly from the platform to the bank account of choice. Skolarships offers one-time payments and subscriptions in over 130+ currencies worldwide. This provides access to billions of people globally aiming to monetize their skillset with modern day fiat rails.

See Getting Paid for more information.

Skolarships Partner Program

Regardless of industry, Skolarships offers exposure and lead generation to a series of businesses looking to attract new clients at 0 cost.

Skolarships works purely on a commission-basis with internally verified businesses to help creators and members scale their operations from zero to hero.

Businesses Eligible for Skolarships Partner Program

• Marketing Agencies

• Design Studios

• Product Developers

• Professional Services

• Corporate Service Providers

• Others (niche services)

Coming soon.

Skolarships innovative affiliate program incentivizes both creators and members to take the driver's seat in expanding their income in the digital economy.

Below you can source all of the information about becoming an affiliate for both Skolarships and specific creator communities.

Skolar Rewards Club FAQ

Usability of $SKO

Holder Rewards

Long-term $SKO holders who keep their tokens in the same wallet are eligible to earn daily points AKA Golden Stars. This point system is tier-based: the more tokens you hold and the longer you hold them, the larger and faster you accumulate points. These points, exclusive to our platform, can be redeemed in our marketplace for various benefits such as special privileges, physical goods, raffle entries, and airdrops. This system encourages long-term holding and rewards our loyal community members with tangible benefits.

$SKO token holders can also receive exclusive airdrops from other projects. Skolarships will partner with industry leaders to offer these airdrops to its holders. Airdrop eligibility depends on the number of tokens held and the duration they are held. The more tokens and the longer the holding period, the higher the chances of receiving an exclusive airdrop.

Daily Golden Star Rewards by Holding $SKO

1 - 4,999 $SKO

5,000 - 14,999 $SKO

15,000 - 24,999 $SKO

25,000+ $SKO

Raffles

Raffle tickets are accumulated by spending Golden Stars on the marketplace. Skolarships will host a monthly giveaway of exclusive prizes (digital & physical) in exchange for burning raffle tickets.

Skolarships Terms and Conditions

Effective: July 1, 2024

PLEASE READ THE TERMS AND CONDITIONS CAREFULLY. THE TERMS AND CONDITIONS (“AGREEMENT”) CONSTITUTE A LEGAL AGREEMENT BETWEEN YOU AND SKOLARSHIPS.

SECTION 16 OF THIS AGREEMENT CONTAINS PROVISIONS THAT GOVERN HOW CLAIMS THAT YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED, INCLUDING, WITHOUT LIMITATION, ANY CLAIMS THAT AROSE OR WERE ASSERTED BEFORE THE EFFECTIVE DATE OF THIS AGREEMENT. IN PARTICULAR, SECTION 16 SETS FORTH OUR ARBITRATION AGREEMENT WHICH WILL, WITH LIMITED EXCEPTIONS, REQUIRE DISPUTES BETWEEN US TO BE SUBMITTED TO BINDING AND FINAL ARBITRATION. UNLESS YOU OPT OUT OF THE ARBITRATION AGREEMENT: (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AND SEEK RELIEF AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING; AND (2) YOU ARE WAIVING YOUR RIGHT TO SEEK RELIEF IN A COURT OF LAW AND TO HAVE A JURY TRIAL ON YOUR CLAIMS. PLEASE SEE SECTION 16 FOR MORE INFORMATION REGARDING THIS ARBITRATION AGREEMENT, THE POSSIBLE EFFECTS OF THIS ARBITRATION AGREEMENT, AND HOW TO OPT OUT OF THE ARBITRATION AGREEMENT.

1. Purpose

SKOLARSHIPS LLC. (“Skolarships,” “we,” “us,” or “our”) provides a platform which allows people to host communities with which they can share education content and course materials. By using the Skolarships website and any of the information and services offered through the application (“Services”), you agree to be bound by this Agreement. The success of the Services, however, depends on the adherence to the terms of this Agreement by you and other Users (collectively “you,” “your,” or “Users”). While we will do our best to enforce the terms of this Agreement, we cannot warrant or represent that other Users will in fact adhere to this Agreement and cannot act as insurers or accept any liability for their failure to do so.

2. Eligibility

By accessing or using the Services in any way, clicking on a button or taking similar action to signify your affirmative acceptance of this Agreement, you hereby represent that:

• You have read, understand, and agree to be bound by this Agreement and any future amendments and additions to this Agreement as published from time to time at this link or through the Services;

• You are 16 or older;

• You have the authority to enter into the Agreement personally. Except as otherwise provided herein, if you do not agree to be bound by the Agreement, you may not access or use the Services; and,

• You will comply with all applicable laws, including those of the country, state and city in which you are present while using the Services.

3. Access

• Access. By entering into this Agreement, you will be granted a revocable license to access the Services. Your access privileges, however, are conditioned on your adherence to the terms of this Agreement. We reserve the right to temporarily deny you access to the Services or permanently terminate your access privileges at any time if, in our sole discretion, you have failed to abide by the terms of this Agreement or appear to us likely to do so. By agreeing to grant you access, we do not obligate ourselves to do so or to maintain the Services, or to maintain it in its present form, and we expressly reserve the right to modify, suspend, or terminate your access privileges.

• Prohibited Uses. For members of a group community (“Members”): You understand, acknowledge, and agree that any access or use of the Services shall be for your personal, non-commercial use only, and that you will not commercially exploit any portion of the Services. For content creators and group administrators (“Admins”): You understand, acknowledge, and agree that any access or use of the Services shall be solely on behalf of you or your organization, and that you have all authorizations and rights necessary to use any portion of the Services on behalf of your organization.

• Privileges Non-transferable. Your access privileges may not be transferred by you to any third parties.

• Passwords and Security. You agree not to disclose to anyone your confidential password and to notify us immediately if there has been a breach of your security that affects our Services.

4. Acceptable Use Policy

By using the Services, you agree that:

• You will only use the Services for lawful purposes, and not for deceptive or fraudulent purposes; you will not send or store any unlawful material.

• You will not use the Services to cause nuisance, annoyance or inconvenience.

• You will not use the Services, or any content accessible through the Services, for any commercial purpose, including but not limited to contacting, advertising to, soliciting or selling to, any Users.

• You will not violate the publicity or privacy rights of another individual.

• You will not copy or distribute any content displayed through the Services.

• You will not create or compile, directly or indirectly, any collection, compilation, or other directory from any content displayed through the Services except for your personal, non commercial use.

• The information you provide to us or otherwise communicate with us is accurate.

• You will not use the Services in any way that could damage, disable, overburden or impair any of our servers, or the networks connected to any of our servers.

• You will not attempt to gain unauthorized access to any part of the Services and/or to any service, account, resource, computer system and/or network connected to any of our servers.

• You will not deep-link to the Services or access the Services manually or with any robot, spider, web crawler, extraction software, automated process and/or device to scrape, copy or monitor any portion of the Services or any content on the Services.

• You will report any errors, bugs, unauthorized access methodologies or any breach of our intellectual property rights that you uncover in your use of the Services.

• You will not impersonate another person, act as another entity without authorization, or create multiple accounts.

• Your self-submitted content (“User Content”) does not contain material that solicits personal information from anyone under 18 or exploits people under the age of 18 in a sexual or violent manner, and does not violate any federal or state law concerning child pornography or otherwise intended to protect the health or wellbeing of minors.

• Your User Content does not violate any state or federal law designed to regulate electronic advertising.

• Your User Content does not contain pictures, data, audio or visual files, or any other content that is excessive in size, as determined by us in our sole discretion.

• The creation, distribution, transmission, public display and performance, accessing, downloading and copying of your User Content does not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark or trade secret rights of any third party.

• You have fully complied with any third-party licenses relating to your User Content, and have done all things necessary to successfully pass through to viewers any required terms.

• All content uploaded by users is free of any copyright protection and has not been copied in any unauthorized manner.

5. Information on our Services

While we will always use our best efforts to ensure the accuracy and completeness of information provided on our Services, we cannot guarantee the accuracy, adequacy, quality, or suitability of any data on our Services and expressly disclaim liability for errors and omissions in the contents of our Services. Any use or reliance on any content or materials posted via the Services or obtained by you through the Services is at your own risk. Any link to a website or phone number owned by a third party does not constitute an endorsement, approval, association, sponsorship, or affiliation with the linked site or phone number.

6. Payment Terms for Group Admins

On-Time Payment. Admin hereby authorizes Skolarships to charge Admin's payment method (as specified below), in advance, for the amount of Admin's regular subscription fees, inclusive of any and all Services that Admin has signed up for (collectively, “Subscription Fees”), for each agreed term of the Admin's selected subscription term. Admin hereby authorizes Skolarships to modify the Subscription Fees charged for a selected subscription term upon thirty (30) days’ notice to Admin sent by e-mail to the address provided on registration. The Subscription Fees, when paid, are non-refundable and accrue on the first day of each term or successive renewal term until cancelled, regardless of whether or not the Admin actually uses the Site or the Services. Various Services on the Site, whether offered by Skolarships, third-party service providers or others, may require additional fees or charges not included within a subscription.

Admin is required to pay all charges on time and agrees to submit an accompanying payment authorization in connection with these charges when requested by Skolarships. Skolarships may terminate or disable Admin's subscription if Admin fails to pay fully and in a timely manner all amounts due to Skolarships. If Admin's payment method expires or is otherwise declined for payment, access to the Services and the Site may be modified, suspended or cancelled, in Skolarships' sole discretion and without notice to Admin. All fees are quoted and payable in United States Dollars. Admin is also responsible for paying all applicable taxes for Services and/or Content, and any other costs incurred in connection with the use of or access to the Site or its Services.

Payment Methods. Admin agrees to the Privacy Policy when providing any necessary personal information for the purposes of processing payment for a Skolarships subscription. Skolarships may use third-party service providers for payment processing. In such cases, the third-party payment processor’s terms and conditions apply. Please review these third-party terms and conditions before completing payment.

Subscription Term; Auto Renewal. Subscriptions are normally assessed on a monthly or annual basis, but other Services and their respective billing arrangements may be made available to Admins at Skolarships' sole discretion. The Subscription Fees are calculated from the day upon which Admin's paid Subscription commences. From time to time and at its sole discretion, Skolarships may offer different subscription terms on its Site, and the fees for such subscriptions may vary. The term of Admin's access to the Site, Services and Content is based upon Admin's express agreement and adherence to these Terms and to Admin's fully paid subscription and/or other fees. Admin's subscription to the Site shall be for the initial term (e.g., monthly or annually) as may be agreed by Admin and Skolarships through online registration and shall automatically renew for indefinite successive renewal terms for the same period as the initial term, unless terminated by Admin or Skolarships in accordance with the provisions of these Terms.

Cancellation. Either Skolarships or Admin may cancel Admin’s Subscription at any time for any reason (unless otherwise stated in an applicable promotional offer). In the event of cancellation by Skolarships or by Admin, all fees due to Skolarships up to the end of the then-current term billing cycle at time of cancellation shall remain payable to Skolarships. No refunds will be provided for partial billing periods, unless otherwise specifically stated in an applicable promotional offer. Upon cancellation, Admin will retain access to Skolarships through the end of Admin’s billing period. After the end of such billing period, Admin’s group will be archived, whereas then-current content will be available on a read-only basis, and no new content may be added.

Admins may cancel their subscription by any of the methods below:

• Sign into Admin’s Skolarships account, click on “Settings” and click on “Billing” then “Cancel Subscription”; or

• Send a cancellation request via email to help@skolarships.com

If at any time Skolarships believes, in its sole discretion, that an Admin has violated any provision of these Terms, Skolarships may immediately terminate that Admin’s Subscription and all other Services without any refund or other remedy, and all fees due to Skolarships up to the end of the then-current billing cycle at the time of such termination shall remain payable to Skolarships. Such termination will not limit any other right by Skolarships under contract, tort or any other legal theory to pursue any claim or cause of action against the Admin for violating these Terms, including without limitation, monetary damages, injunctive relief, attorney's fees and court costs.

Account Discrepancies. Admin may contact Skolarships by e-mail at help@skolarships.com concerning charges or other questions regarding the status of Admin's account. However, if Admin's account-related questions are not satisfactorily resolved within fifteen (15) business days of Admin's first calling or sending an e-mail to Skolarships Support regarding such questions, Admin must write to Skolarships at: SKOLARSHIPS.COM, ADDRESS, States mail.

Notwithstanding the foregoing, in no event may Admin dispute any charge or account billing hereunder later than ninety (90) days after such questionable account billing or other discrepancy should have been or could have been reasonably discovered by Admin. Otherwise, except as required by applicable law, any and all such Admin complaints are waived by Admin.

Admin/Member Transactions. This section describes the terms which apply to Admin/Member Transactions:

• The Transaction Terms between Admins and Members governs and sets out the terms applicable to transactions between Members and Admins (“Admin/Member Transaction(s)”).

• Third-party payment provider terms and conditions, which include Stripe's US Services Agreement and Connected Account Agreement, and may be modified by the third-party from time to time.

• All Admin/Member Transactions are contracts between Members and Admins, subject to the Transaction Terms between Admins and Members and any additional terms agreed upon between Admins and Members. Although we facilitate Admin/Member Transactions by providing the Skolarships platform and storing Admin content, we are not a party to the Transaction Terms between Admins and Members or any other contract which may exist between a Member and Admin, and we are not responsible for any Admin/Member Transaction.

• When you receive confirmation from Skolarships, either in your Admin account or by email, that the Admin/Member Transaction has been confirmed, you must perform your part of such Admin/Member Transaction (e.g., by allowing the Member to access your community).

Pay-outs to Admins.

• All payments to an Admin's community by a Member (“Member Payment(s)”) will be received by a third-party payment provider approved by us.

• Your Admin account will be updated within a reasonable time with your earnings from your Admin communities (“Admin Earnings”). Your Admin Earnings will become available for withdrawal by you from your Skolarships account once such Admin Earnings appear in your Skolarships account.

• To make a withdrawal of your Admin Earnings from your Skolarships account, you must have at least the minimum pay-out amount in your Admin account.

• The amount that you see in your 'current balance' in your Skolarships account is your Creator Earnings at the relevant time. All Creator Earnings are transacted in USD or stablecoin only. Your bank may charge you currency conversion or transfer fees for access the money.

• If a Member successfully seeks a refund or chargeback from their credit card provider in respect of a Member Payment made to you, we may investigate and may decide to deduct from your account an amount equal to the Admin Earnings earned by you on the charged-back or refunded amount.

• Except for pay-outs involving payment by direct bank transfer, we do not store any data disclosed by you when you register a pay-out option with a third-party payment provider.

Circumstances in which we may withhold Admin Earnings.

• We may withhold all or any part of the Admin Earnings due to you but not yet paid out:

• if we think that you have or may have seriously or repeatedly breached any part of this Agreement;

• if you attempt or threaten to breach any part of this Agreement in a way which we think has or could have serious consequences for us or another User (including actual or possible loss caused to us or another User); or

• if we suspect that all or any part of the Admin Earnings result from unlawful or fraudulent activity, either by you or by the Member who made the Member Payment resulting in the Admin Earnings,

• for as long as is necessary to investigate the actual, threatened or suspected breach by you or the suspected unlawful activity (as applicable). If following our investigation, we conclude that (i) you have seriously or repeatedly breached any part of the Agreement; (ii) you have attempted or threatened to breach any part of the Agreement in a way which has or could have serious consequences for us or another User (including actual or possible loss caused to us or another User); and/or (iii) the Admin Earnings result from unlawful or fraudulent activity, we may notify you that you have forfeited your Admin Earnings.

• We may withhold all or any part of the Admin Earnings due to you but not yet paid out if we receive notice that you have secured, encumbered, pledged, assigned or otherwise allowed a lien to be placed on Admin Earnings. We undertake no duty to pay Admin Earnings to third-party lienholders and may withhold payment of Admin Earnings until the lien has been removed.

• We shall not have any responsibility to you if we withhold or forfeit any of your Admin Earnings where we have a right to do so under this Agreement.

• If we are withholding all or any part of the Admin Earnings due to you and we determine that part of the Admin Earnings withheld by us is unrelated to breaches by you of the Agreement or suspected unlawful or fraudulent activity, then we may arrange for you to be paid the part of the Admin Earnings which we determine to be unrelated to breaches by you of the Agreement or suspected unlawful or fraudulent activity. However, you agree that if we consider that your breach(es) of the Agreement has or may cause us loss, we may withhold all Admin Earnings due to you but not yet paid and we may set off such amounts against any losses suffered by us.

7. User Submissions and Content

We may provide you with interactive opportunities through the Services. You represent and warrant that you are the owner of, or otherwise have the right to provide, all User Content that you submit, post and/or otherwise transmit through the Services. You hereby grant us a perpetual, irrevocable, transferable, fully paid, royalty-free, non-exclusive, worldwide, fully sublicensable right and license to use, copy, display, publish, modify, remove, publicly perform, translate, create derivative works, distribute and/or otherwise use the User Content in connection with our business and in all forms now known or hereafter invented, without notification to and/or approval by you, except as otherwise required bylaw.

Feedback. You agree that any submission of any ideas, suggestions, and/or proposals to us through our suggestion, feedback, or similar pages (“Feedback”) is at your own risk and that we have no obligations (including without limitation, obligations of confidentiality) with respect to such Feedback. You represent and warrant that you have all rights necessary to submit the Feedback and you hereby grant to us a perpetual, irrevocable, transferable, fully paid, royalty-free, non-exclusive, worldwide, fully sublicensable right and license to use, copy, display, publish, modify, remove, publicly perform, translate, create derivative works, distribute and/or otherwise use such Feedback, except as otherwise required by law.

8. Good Samaritan Content Policy & Complaint Procedures.

• Policy. It is the policy of the owners and operators of these Services to not tolerate any acts of intellectual property infringement or violations of U.S. law or to allow for any child pornography or obscene or defamatory material to be posted at these Services. We will do our best, in good faith, to purge or otherwise restrict the availability of material that is infringing, racist, sexist, obscene, harassing, or otherwise objectionable. The provisions of this Section 8 are intended to implement this policy but are not intended to impose a contractual obligation on the owners or operators of these Services to undertake, or refrain from undertaking, any particular course of conduct.

• Complaint Procedures. If you believe that someone has posted material at these Services which infringes the intellectual property or other rights of third parties or which is in violation of U.S. law or which is racist, sexist, obscene, harassing, defamatory, or otherwise objectionable, or which constitutes child pornography, we ask you to flag the post to our attention, or promptly notify us by email at the following address: help@skolarships.com. You must use this address if you want to ensure that your complaint is actually received by the appropriate person charged with responding to such communications.

• In order to respond as quickly as possible to any complaint, please provide us with as much detail as possible, including

  • the nature of the right infringed or violated (including the registration numbers of any registered copyrights, trademarks or patents allegedly infringed);

  • all facts which lead you to believe that a right has been violated or infringed; the precise location where the offending material is located;

  • any grounds to believe that the person who posted the material was not authorized to do so or did not have a valid defense (including the defense of fair use); and

  • if known, the identity of the person or persons who posted the infringing or offending material

• Indemnification/Waiver of Certain Rights. By lodging a complaint, you agree that the substance of your complaint shall be deemed to constitute a representation made under penalty of perjury under the laws of the State of Texas. In addition, you agree, at your own expense, to defend us and indemnify us against any liability which we may incur by our response to your complaint.

• Waiver of Claims and Remedies. We expect visitors to take responsibility for their own actions, and, asset forth below in sections 14 and 15, cannot assume liability for any acts of users or third parties which take place at these Services. By this Agreement, you acknowledge that in establishing a complaint procedure we are taking on the role of a Good Samaritan and, in order to allow us to do our best, in good faith, to purge or otherwise restrict the availability of material that is infringing, racist, sexist, obscene, harassing, or otherwise objectionable, you agree to waive any claims or remedies which you might otherwise be able to make against us under any theory of law (including, but not limited to, intellectual property laws) arising out of or relating in any way to the content at these Services or our response, or failure to respond, to a complaint.

• Investigation/Right to Purge Postings. You agree that we have the right (but not the obligation) to investigate any complaint received and, at any time and for any reason, to remove any material which you post to these Services, with or without your permission, and with or without cause, in our sole discretion. By reserving this right, we do not undertake any responsibility in fact to remove content posted online, whether or not a complaint has been received.

9. Intellectual Property Ownership

We (and our licensors, where applicable) shall own all right, title and interest, including all related intellectual property rights, in and to the Services. This Agreement is not a sale and does not convey to you any rights of ownership in or related to the Services, or any intellectual property rights owned by us. Our name, logo, and the product names associated with the Services are our trademarks or belong to third parties, and no right or license is granted to use them. You agree that you will not remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the Services.

10. Copyright Policy

We will terminate the account and access rights of any repeat infringer. If you are a copyright owner or the legal agent of a copyright owner, and you believe that any User Content infringes on your copyrights, you may submit a notification pursuant to the Skolarships Digital Millennium Copyright Act (DMCA) Notice. Please see our DMCA Policy for more information.

11. Privacy

We have adopted a Privacy Policy outlining our personal data collection and use practices. Please refer to it for details about how we collect and use your personal information. By agreeing to the terms of this Agreement, you are automatically agreeing to our Privacy Policy, which is incorporated herein by reference.

12. Third-Party Interactions

The Services may contain links to or display content originating from third-party websites and advertisements (collectively, “Third-Party Websites & Advertisements”). Such Third-Party Websites & Advertisements are not under our control. We are not responsible for any Third-Party Websites or any Third-Party Advertisements. We do not review, approve, monitor, endorse, warrant, or make any representations with respect to such Third-Party Websites & Advertisements, or their products or services. When you click on a link to a Third-Party Website or Advertisement, we will not warn you that you have left our Services and will not warn you that you are subject to the terms and conditions (including privacy policies) of another website or destination. You use all links in Third-Party Websites & Advertisements at your own risk. You should review applicable terms and policies, including privacy and data gathering practices of any Third-Party Websites, and make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any third party.

13. Indemnification

You agree to indemnify and hold harmless Skolarships and its officers, directors, employees, agents and affiliates (each, an “Indemnified Party”), from and against any losses, claims, actions, costs, damages, penalties, fines and expenses, including without limitation attorneys’ fees and expenses, that may be incurred by an Indemnified Party arising out of, relating to or resulting from (a) your User Content; (b) your misuse of the Services; (c) your violation of this Agreement; or (d) your violation of any applicable laws, rules or regulations through or related to the use of the Services. In the event of any claim, allegation, suit or proceeding alleging any matter potentially covered by the agreements in this section, you agree to pay for the defense of the Indemnified Party, including reasonable costs and attorneys’ fees incurred by the Indemnified Party. We reserve the right, at our own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with us in asserting any available defenses. This provision does not require you to indemnify any Indemnified Party for any unconscionable commercial practice by such party, or for such party’s negligence, fraud, deception, false promise, misrepresentation or concealment, suppression or omission of any material fact in connection with the Services. You agree that the provisions in this section will survive any termination of your account, this Agreement, or your access to the Services.

14. Disclaimer of Warranties

YOU EXPRESSLY UNDERSTAND AND AGREE THAT TO THE FULLEST EXTENT OF LAW, YOUR USE OF THE SERVICES IS ENTIRELY AT YOUR OWN RISK. CHANGES ARE PERIODICALLY MADE TO THE SERVICES AND MAY BE MADE AT ANY TIME WITHOUT NOTICE TO YOU.THE SERVICES ARE PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS OR TIMELINESS OF THE CONTENT MADE AVAILABLE THROUGH THE SERVICES, OR THE TEXT, GRAPHICS OR LINKS.

WE DO NOT WARRANT THAT THE SERVICES WILL OPERATE ERROR-FREE OR THAT THE SERVICES ARE FREE OF COMPUTER VIRUSES AND OTHER HARMFUL MALWARE. IF YOUR USE OF THE SERVICES RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, WE SHALL NOT BE RESPONSIBLE FOR THOSE ECONOMIC COSTS.

15. Limitation of Liability

UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY (WHETHER IN CONTRACT,TORT, OR OTHERWISE) SHALL SKOLARSHIPS BE LIABLE TO YOU OR ANY THIRD PARTY FOR(A) ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST SALES OR BUSINESS, LOST DATA OR DATA BREACH, OR (B) FOR ANY DIRECT DAMAGES, COSTS, LOSSES OR LIABILITIES (INCLUDING ATTORNEYS’ FEES) IN EXCESS OF THE FEES ACTUALLY PAID BY YOU IN THE TWO (2) MONTHS PRECEDING THE EVENT GIVING RISE TO YOUR CLAIM OR, IF NO FEES APPLY, ONE HUNDRED ($100) U.S. DOLLARS. THE PROVISIONS OF THIS SECTION ALLOCATE THE RISKS UNDER THIS AGREEMENT BETWEEN THE PARTIES, AND THE PARTIES HAVE RELIED ON THESE LIMITATIONS IN DETERMINING WHETHER TO ENTER INTO THIS AGREEMENT. Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply to you. IN THESE STATES, OUR LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE SERVICES, ORANY OTHER ITEMS OR SERVICES PROVIDED BY US, INCLUDING, WITHOUT LIMITATION,ANY IMPLIED WARRANTY ARISING BY USAGE OF TRADE, COURSE OF DEALING OR COURSE OF PERFORMANCE, ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE AND ANY IMPLIED WARRANTY OF NON-INFRINGEMENT. YOU ACKNOWLEDGE THAT THE SERVICES (INCLUDING ANY SERVERS OR OTHER HARDWARE, SOFTWARE AND ANY OTHER ITEMS USED OR PROVIDED BY US IN CONNECTION WITH THE SERVICES) ARE PROVIDED "AS IS" AND THAT WE MAKE NO WARRANTY THAT THE SERVICES WILL BE FREE FROM BUGS, FAULTS, DEFECTS OR ERRORS OR THAT ACCESS TO THE SERVICES WILL BE UNINTERRUPTED.

16. Dispute Resolution

PLEASE READ THE FOLLOWING SECTION CAREFULLY. IT REQUIRES YOU TO ARBITRATE DISPUTES WITH US AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF. THIS SECTION 16 OF THIS AGREEMENT SHALL BE REFERRED TO AS THE “ARBITRATION AGREEMENT.”

• Scope of Arbitration Agreement.You agree that any dispute or claim relating in any way to your accessor use of the Services or as a consumer of our services, to any advertising or marketing communications regarding us or our Services, to any products or services sold or distributed through the Services that you received as a consumer, or to any aspect of your relationship or transactions with us as a consumer of our services will be resolved by binding arbitration, rather than in court, except that (1) you may assert claims in small claims court if your claims qualify, so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis; and (2) you or Skolarships may seek equitable relief in court for infringement or other misuse of intellectual property rights (such as trademarks, trade dress, domain names, trade secrets, copyrights, and patents). This Arbitration Agreement shall apply, without limitation, to all claims that arose or were asserted before the Effective Date of this Agreement. IF YOU AGREE TO ARBITRATION WITH SKOLARSHIPS, YOU ARE AGREEING IN ADVANCE THAT YOU WILL NOT PARTICIPATE IN OR SEEK TO RECOVER MONETARY OR OTHER RELIEF IN ANY SUCH CLASS, COLLECTIVE, AND/OR REPRESENTATIVE LAWSUIT. INSTEAD, BY AGREEING TO ARBITRATION, YOU MAY BRING YOUR CLAIMS AGAINST US IN AN INDIVIDUAL ARBITRATION PROCEEDING. IF SUCCESSFUL ON SUCH CLAIMS, YOU COULD BE AWARDED MONEY OR OTHER RELIEF BY AN ARBITRATOR.

• Informal Resolution. You and Skolarships agree that good-faith informal efforts to resolve disputes often can result in a prompt, low-cost and mutually beneficial outcome. You and Skolarships therefore agree that, before either you or Skolarships demands arbitration against the other, we will personally meet and confer, via telephone or video conference, in a good-faith effort to resolve informally any claim covered by this mutual Arbitration Agreement. If you are represented by counsel, your counsel may participate in the conference, but you shall also fully participate in the conference. The party initiating the claim must give notice to the other party in writing of its, his, or her intent to initiate an informal dispute resolution conference, which shall occur within 60 days after the other party receives such notice, unless an extension is mutually agreed upon by the parties. To notify Skolarships that you intend to initiate an informal dispute resolution conference, email help@skolarships.com, providing your username associated with your Skolarships account (if any), the email address associated with your Skolarships account (if any), and a description of your claim. In the interval between the party receiving such notice and the informal dispute resolution conference, the parties shall be free to attempt to resolve the initiating party’s claims. Engaging in an informal dispute resolution conference is a requirement that must be fulfilled before commencing arbitration. The statute of limitations and any filing fee deadlines shall be tolled while the parties engage in the informal dispute resolution process required by this paragraph.

• Arbitration Rules and Forum.This Arbitration Agreement is governed by the Federal Arbitration Act in all respects. To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your claim to our registered agent, ADDRESS. The arbitration will be conducted by JAMS under its rules and pursuant to the terms of this Agreement. Disputes involving claims and counterclaims under $250,000, not inclusive of attorneys’ fees and interest, shall be subject to JAMS’s most current version of the Streamlined Arbitration Rules and procedures available at http://www.jamsadr.com/rules-streamlined-arbitration/; all other claims shall be subject to JAMS’s most current version of the Comprehensive Arbitration Rules and Procedures, available at http://www.jamsadr.com/rules-comprehensive-arbitration/. JAMS’s rules are also available at www.jamsadr.com (under the Rules/Clauses tab) or by calling JAMS at 800-352-5267. Payment of all filing, administration, and arbitration fees will be governed by JAMS’s rules. If the arbitrator finds that you cannot afford to pay JAMS’s filing, administrative, hearing and/or other fees and cannot obtain a waiver of fees from JAMS, we will pay them for you. In addition, we will reimburse all such JAMS’s filing, administrative, hearing and/or other fees for claims with an amount in controversy totaling less than $10,000. If JAMS is not available to arbitrate, the parties will select an alternative arbitral forum. You may choose to have the arbitration conducted by telephone, video conference, based on written submissions, or in person in the county where you live or at another mutually agreed location.

• Arbitrator Powers. The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability or formation of this Arbitration Agreement including, but not limited to any claim that all or any part of this Arbitration Agreement is void or voidable. The arbitration will decide the rights and liabilities, if any, of you and Skolarships. The arbitration proceeding will not be consolidated with any other matters or joined with any other proceedings or parties. The arbitrator will have the authority to grant motions dispositive of all or part of any claim or dispute. The arbitrator will have the authority to award monetary damages and to grant any non-monetary remedy or relief available to an individual under applicable law, the arbitral forum’s rules, and this Agreement (including this Arbitration Agreement). The arbitrator will issue a written statement of decision describing the essential findings and conclusions on which any award (or decision not to render an award) is based, including the calculation of any damages awarded. The arbitrator shall follow the applicable law. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The arbitrator’s decision is final and binding on you and Skolarships.

• Waiver of Jury Trial. YOU AND SKOLARSHIPS WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND RECEIVE A JUDGE OR JURY TRIAL. You and Skolarships are instead electing to have claims and disputes resolved by arbitration, except as specified in Section 16(a) above. There is no judge or jury in arbitration, and court review of an arbitration award is limited.

• Waiver of Class or Consolidated Actions. YOU AND SKOLARSHIPS AGREE TO WAIVE ANY RIGHT TO RESOLVE CLAIMS WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT ON A CLASS, COLLECTIVE, OR REPRESENTATIVE BASIS. ALL CLAIMS AND DISPUTES WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT MUST BE ARBITRATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS BASIS. CLAIMS OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR LITIGATED JOINTLY OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER. If, however, this waiver of class or consolidated actions is deemed invalid or unenforceable with respect to a particular claim or dispute, neither you nor Skolarships is entitled to arbitration of such claim or dispute. Instead, all such claims and disputes will then be resolved in a court as set forth in Section 17.

• Batch Arbitrations. To increase efficiency of resolution, in the event 100 or more similar arbitration demands against Skolarships, presented by or with the assistance of the same law firm or organization, are submitted to an arbitration provider selected in accordance with the rules described above within a 30-day period, the arbitration provider shall (i) group the arbitration demands into batches of no more than 100 demands per batch (plus, to the extent there are less than 100 arbitration demands left over after the batching described above, a final batch consisting of the remaining demands); and (ii) provide for resolution of each batch as a single arbitration with one set of filing and administrative fees and one arbitrator assigned per batch. You agree to cooperate in good faith with Skolarships and the arbitration provider to implement such a batch approach to resolution and fees.

• Opt Out. You may opt out of this Arbitration Agreement. If you do so, neither you nor Skolarships can force the other to arbitrate as a result of this Agreement. To opt out, you must notify Skolarships in writing no later than 30 days after first becoming subject to this Arbitration Agreement. Your notice must include your name and address, your email address (if you have one), and a CLEAR statement that you want to opt out of this Arbitration Agreement. You must send your opt-out notice to: help@skoarships.com . If you opt out of this Arbitration Agreement, all other parts of this Agreement will continue to apply to you. Opting out of this Arbitration Agreement has no effect on any other arbitration agreements that you may have entered into with us or may enter into in the future with us.

• Survival. This Arbitration Agreement will survive any termination of your relationship with us.

• Modification. Not withstanding any provision in the Agreement to the contrary, we agree that if we make any future material change to this Arbitration Agreement, it will not apply to any individual claim(s) that you had already provided notice of to us.

17. Exclusive Venue

To the extent the parties are permitted under this Agreement to initiate litigation in a court, both you and Skolarships agree that all claims and disputes arising out of or relating to the Agreement will be litigated exclusively within the State of Delaware for courts situated in Kent County, Delaware, or in federal court for the District of Delaware.

18. Termination

At our sole discretion, WE MAY MODIFY OR DISCONTINUE THE SERVICES, OR MAY MODIFY, SUSPEND OR TERMINATE YOUR ACCESS TO THE SERVICES, FOR ANY REASON, WITH OR WITHOUT NOTICE TO YOU AND WITHOUT LIABILITY TO YOU OR ANY THIRD PARTY. In addition to suspending or terminating your access to the Services, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal or injunctive redress. Even after your right to use the Services is terminated, this Agreement will remain enforceable against you. All provisions which by their nature should survive to give effect to those provisions shall survive the termination of this Agreement.

19. General

• No Joint Venture or Partnership. No joint venture, partnership, employment, or agency relationship exists between you, Skolarships or any third-party provider as a result of this Agreement or use of the Services.

• Choice of Law. This Agreement is governed by the laws of the State of Delaware consistent with the Federal Arbitration Act, without giving effect to any principles that provide for the application of the law of any other jurisdiction.

• Severability. Except as otherwise provided herein, if any provision of this Agreement is found to be invalid, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect.

• Electronic Communications. For contractual purposes, you (1) consent to receive communications from us in an electronic form; and (2) agree that all terms and conditions, agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications would satisfy if they were in writing. This subparagraph does not affect your statutory rights.

• Entire Agreement. This Agreement is the final, complete and exclusive agreement of the parties with respect to the subject matter hereof and supersedes and merges all prior discussions between the parties with respect to such subject matter.

20. Contact Information

111 Main St. El Segundo, CA 90245

help@skolarships.com

SKOLARSHIPS DMCA POLICY

We respect the copyright and other intellectual property rights of others and expect users of our website and application (collectively, the "Services") to do the same. In accordance with the United States Digital Millennium Copyright Act (the "DMCA") and other applicable law, we have a policy of terminating, in appropriate circumstances and at our sole discretion, users of the Service who are deemed to be repeat infringers. We also may, in our sole discretion, limit access to the Service and terminate the accounts of any users of the Service who infringe any intellectual property rights of others, whether or not there is any repeat infringement. See our Terms for more information.

Notification of Alleged Copyright Infringement

If you believe that content available on or through our Services infringes one or more of your copyrights, please immediately notify our Copyright Agent by mail, email or faxed notice (“Notification”) providing the information described below, which Notification is pursuant to DMCA 17 U.S.C. § 512(c)(3). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. Please be advised that pursuant to federal law you may be held liable for damages if you make material misrepresentations in a Notification. Thus, if you are not sure that content located on or linked to by our Website infringes your copyright, you should consider first contacting an attorney.

All Notifications should include the following:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

• Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online website are covered by a single notification, a representative list of such works at that website.

• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material (e.g. the URL link of the material).

• Information reasonably sufficient to permit us to contact the complaining party, such as the name, account name, address, telephone number, and e-mail address at which the complaining party may be contacted.

• A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.

• A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Submit your notice to our designated DMCA agent by mail or email as set forth below:

help@skolarships.com

Please note that you may be liable for damages, including court costs and attorney's fees, if you materially misrepresent that content on the Services is copyright infringing.

Upon receiving a proper notification of alleged copyright infringement, we will remove or disable access to the allegedly infringing material and promptly notify the alleged infringer of your claim. We also will advise the alleged infringer of the DMCA statutory counter-notification procedure described below by which the alleged infringer may respond to your claim and request that we restore this material.

Please note that our furnishing your claim to the alleged infringer will include the personal information you provide in your notification, which the alleged infringer may use to contact you directly. As such, by submitting a notification of alleged copyright infringement, you consent to disclosure of your information in the aforementioned manner.

Counter Notification

If you believe your copyrighted material has been removed from the Services as a result of a mistake or misidentification, you may submit a written counter-notification letter to us. To be an effective counter-notification under the DMCA, your letter must include substantially the following:

• Identification of the material that has been removed or disabled and the location at which the material appeared before it was removed or disabled.

• A statement that you consent to the jurisdiction of the Federal District Court in which your address is located, or if your address is outside the United States, for any judicial district in which our Company is located.

• A statement that you will accept service of process from the party that filed the Notification or the party's agent.

• Your name, address and telephone number.

• A statement under penalty of perjury that you have a good faith belief that the material in question was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled.

• Your physical or electronic signature.

• You may submit your Counter Notification to our Copyright Agent by mail, or email as set forth above.

If you send us a valid, written Counter Notification meeting the requirements described above, we will restore your removed or disabled material after 10 business days but no later than 14 business days from the date we receive your Counter Notification, unless our Copyright Agent first receives notice from the party filing the original Notification informing us that such party has filed a court action to restrain you from engaging in infringing activity related to the material in question. Please note that if you materially misrepresent that the disabled or removed content was removed by mistake or misidentification, you may be liable for damages, including costs and attorney's fees. Filing a false Counter Notification constitutes perjury.

All transaction details and financial records are easily accessible and exportable within the Skolarships user dashboards, ensuring transparency and ease of use for all member types. Users have access to a complete set of transactions and invoices, which they can download for tax and accounting purposes.

Skolarships Payments

Skolarships streamlines the process of receiving payments, offering an efficient experience for both creators and community members.

With Skolarships, users have a variety of payment options at their finger tips, including credit card, Google Pay, Apple Pay, and cryptocurrency.

This system provides users with unparalleled flexibility when subscribing to communities and paying for in-app services.

With help from notable PSPs, Skolarships simplifies crypto, card transactions and other pay-outs for creators. By easily connecting bank accounts, users can start monetizing on Skolarships instantly. All pay-outs are processed through selected PSPs via ACH & IBAN transfers, and are delivered in the currency the customers pay in.

Moreover, users have full control over the frequency and timing of their pay-outs—whether they prefer daily, weekly, monthly, or every Thursday, the choice is entirely up to them.

PSP (Payment Service Provider) Integrations

1. To seamlessly integrate one of the PSPs as a payment processor, simply link your PSP account to Skolarships.

2. Within the Payments tab in the profile section, navigate to 'other payment methods' and locate the desired PSP.

3. From there, users can effortlessly follow their onboarding process to connect your existing account or set up a new one.

With this integration, creators have the flexibility to accept both one-time payments and recurring subscriptions via the PSPs provided.

PSP Partners

Crypto pay-outs

Additionally, if you are a creator looking to accept cryptocurrency payments, Skolarships offers integration with Coinbase Commerce as well as manual withdraws as a way to process one-time payments.

All payments will be sent directly to your appropriate crypto wallet (Coinbase account, MetaMask, TrustWallet, etc). See Crypto for more information.

1. On the Pay-outs page, navigate to 'Other payment methods' and click on Coinbase Commerce or manual withdraw.

2. From there, users can effortlessly follow their onboarding process to connect the existing account or paste the desired wallet address.

3. With this integration, users can only accept single payments. Crypto withdraws are not supported for subscriptions.

Note: Once your Coinbase account is linked, users can easily include it as a payment option within your pricing settings.

Coming soon.

Coming soon.

Skolarships Privacy Policy

Last Updated: July 1st, 2024

This Privacy Policy (“Privacy Policy") explains our privacy practices for the activities described herein. Please read this Privacy Policy carefully to learn how we collect, use, share, and otherwise process information relating to individuals (“Personal Data”), and to learn about your rights and choices regarding your Personal Data.

A reference to “Skolarships,” “we,” “us” or the “Company” is a reference to Skolarships.COM, and its relevant affiliates involved in the collection, use, sharing, or other processing of Personal Data.

1. Responsible Entity

Skolarships is the controller of your Personal Data as described in this Privacy Policy, unless specified otherwise.

This Privacy Policy does not apply to the extent we process Personal Data in the role of a processor or service provider on behalf of our customers, including where we offer to our customers various software products, platforms, and services through which our customers (or their affiliates) collect, use, share or process Personal Data.

For detailed privacy information related to a Skolarships customer or a customer affiliate who uses the Skolarships software products, platforms, and services as the controller, please contact our customer directly. We are not responsible for the privacy or data security practices of our customers, which may differ from those explained in this Privacy Policy.

For more information, please also see Section 10.5 below.

2. Processing Activities Covered

This Privacy Policy applies to the processing of Personal Data collected by us when you:

• Visit our websites that display or link to this Privacy Policy;

• Visit our branded social media pages;

• Receive communications from us, including emails, phone calls, texts or fax;

• Use our software products, platforms, and services as an authorized user where we act as a controller of your Personal Data; or

• Apply for employment opportunities with us.

Our websites, platforms, and services may contain links to and from the websites of third parties. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any data to these websites.

3. What Personal Data Do We Collect?

The Personal Data we collect from you includes identifiers, geolocation data, professional or employment-related information, visual information, internet activity information, and inferences drawn from any of these categories. We collect such information in the following situations:

• If you express an interest in obtaining additional information about our services; request customer support; sign up for our platform; or otherwise register to use our services, we may require that you provide to us your contact information, such as your name, school or company name, address, phone number, email address or username and password;

• If you interact with our websites or emails, we automatically collect information about your device and your usage of our websites or emails (such as Internet Protocol (IP) addresses or other identifiers), which may qualify as Personal Data (please see the “What device and usage data do we process?” section, below) using cookies, web beacons, or similar technologies;

• If you use and interact with our services, we automatically collect information about your device and your usage of our services through log files and other technologies, some of which may qualify as Personal Data (please see the “What device and usage data do we process?” section, below);

• If you communicate with us via a phone call from us, we may record that call; and

• If you voluntarily submit certain information to our services, such as submitting online forms or surveys, we collect the information you have provided as part of that request.

If you provide us or our service providers with any Personal Data relating to other individuals, you represent that you have the authority to do so, and, where required, have obtained the necessary consent, and acknowledge that it may be used in accordance with this Privacy Policy. If you believe that your Personal Data has been provided to us improperly, or want to exercise your rights relating to your Personal Data, please contact us by using the information in the “Contact us” section below.

4. What Device and Usage Data Do We Process?

We use common information-gathering tools, such as tools for collecting usage data, cookies, web beacons, pixels, and similar technologies to automatically collect information that may contain Personal Data as you navigate our websites, our services, or interact with emails we have sent to you.

1. Device and Usage Data

As is true of most websites, we gather certain information automatically when individual users visit our websites. This information may include identifiers, commercial information, and internet activity information such as IP address (or proxy server information), device and application information, identification numbers and features, location, browser type, plug-ins, integrations, Internet service provider, mobile carrier, the pages and files viewed, searches, referring website, app or ad, operating system, system configuration information, advertising and language preferences, date and time stamps associated with your usage, and frequency of visits to the websites.

This information is used to analyze overall trends, help us provide and improve our websites, offer a tailored experience for website users, and secure and maintain our websites. In addition, we gather certain information automatically as part of your use of our software products and services. This information may include identifiers, commercial information, and internet activity information such as IP address (or proxy server), mobile device number, device and application identification numbers, location, browser type, Internet service provider or mobile carrier, the pages and files viewed, website and webpage interactions including searches and other actions you take, operating system and system configuration information and date and time stamps associated with your usage. This information is used to maintain the security of the services, to provide necessary functionality, to improve performance of the services, to assess and improve customer and user experience of the services, to review compliance with applicable usage terms, to identify future opportunities for development of the services, to assess capacity requirements, to identify customer opportunities, and for the security of Skolarships generally (in addition to the security of our products and services). Some of the device and usage data collected by the services, whether alone or in conjunction with other data, could be personally identifying to you. Please note that this device and usage data is primarily used to identify the uniqueness of each user logging on (as opposed to specific individuals), apart from where it is strictly required to identify an individual for security purposes or as required as part of our provision of the services to our customers.

2. Cookies, Web Beacons and Other Tracking Technologies

To make our websites and services work properly, we sometimes place small data files called cookies on your device. A cookie is a small text file that a website saves on your computer or mobile device when you visit the site. It enables the website to remember your actions and preferences (such as login, shopping cart, or other preferences) over a period of time, so you do not have to keep re-entering them whenever you come back to the site or browse from one page to another. To learn more, please see our .

You may wish to restrict the use of cookies. Please be aware that some ofthe features of our website may not function correctly if you disable cookies.

Most modern browsers allow you to change your cookie settings. You can usually find these settings in the options or preferences menu of your browser. To understand these settings, the following links for commonly used browsers may be helpful:

• and

3. Do-Not-Track Signals

Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. DNT is a way for users to inform websites and services that they do not want certain information about their webpage visits collected over time and across websites or online services. We do not recognize or respond to browser-initiated DNT signals, as the Internet industry is currently still working toward defining exactly what DNT means, what it means to comply with DNT, and a common approach to responding to DNT.

5. Purposes for Which We Process Personal Data

We collect and process your Personal Data for the following purposes:

• Providing our websites, platforms, and services (including necessary functionality for both): We process your Personal Data to perform our contract with you for the use of our websites, platforms, and services and to fulfill our obligations under the applicable terms of use and service;

• Promoting the security of our websites and services: We process your Personal Data by tracking use of our websites and services, creating aggregated non-personal data, verifying accounts and activity, investigating suspicious activity, and enforcing our terms and policies to the extent it is necessary for promoting the safety and security of the services, systems and applications;

• Managing user registrations: If you have registered for an account with us, we process your Personal Data by managing your user account for the purpose of performing our contract with you according to applicable terms of service;

• Handling contact and user support requests: If you fill out a web form or request user support, or if you contact us by other means including via a phone call, we process your Personal Data to perform our contract with you and to the extent it is necessary for fulfilling your requests and communicating with you;

• Developing and improving our websites and services: We may process your Personal Data to analyze trends and to track usage of and interactions with our websites and services to the extent it is necessary for developing and improving our websites and services;

• Assessing and improving user experience: We process device and usage data as described in Section 4.1 above, which in some cases may be associated with your Personal Data, to analyze trends and assess and improve the overall user experience to the extent it is necessary for developing and improving the service offering;

• Identifying customer opportunities: We process your Personal Data to assess new potential customer opportunities to ensure that we are meeting the demands of our customers and their users’ experiences;

• Recording phone calls: We may record phone calls for training, quality assurance, and administration purposes. If required under applicable law, we will obtain your prior consent or give you the option to object to a call being recorded; and

• Complying with legal obligations: We process your Personal Data when cooperating with public and government authorities, courts or regulators in accordance with our legal obligations under applicable laws, to protect against misuse or abuse of our websites, protect personal property or safety, pursue remedies available to us, and limit our damages, comply with judicial proceedings, court orders or legal processes, respond to lawful requests, or for auditing purposes.

If we need to collect and process Personal Data by law, or under a contract we have entered into with you, and you fail to provide the required Personal Data when requested, we may not be able to perform our contract with you.

6. Who Do We Share Personal Data With?

We may share your Personal Data as follows:

• Service Providers:With our contracted service providers and any subcontractors as required to offer you our products and services. The service providers we use help us to run, operate and maintain our Services through third party platform and software tools; perform content moderation and crash analytics; run email or mobile messaging campaigns; and provide technical and customer support. Some external service providers may also collect information directly from you in accordance with their own privacy policy.

• Professional Advisers:In individual instances, we may share your Personal Data with professional advisers acting as service providers, processors, or joint controllers - including lawyers, bankers, auditors, and insurers who provide consultancy, banking, legal, insurance and accounting services; and

• Third Parties Involved in a Corporate Transaction:If we are involved in a merger, reorganization, dissolution or other fundamental corporate change, or sell a website or business unit, or if all or a portion of our business, assets or stock are acquired by a third party. In accordance with applicable laws, we will use reasonable efforts to notify you of any transfer of Personal Data to an unaffiliated third party.

We may also share anonymous or de-identified usage data with Skolarship's service providers for the purpose of helping Skolarships in such analysis and improvements. Additionally, Skolarships may share such anonymous or de-identified usage data on an aggregate basis in the normal course of operating our business; for example, we may share information publicly to show trends about the general use of our services.

For more information on the recipients of your Personal Data, please contact us by using the information in the “Contact us” section, below.

7. International Transfer of Personal Data

Any data that you provide to us may be accessed, shared or processed by our offices, located in the United States, and service providers located in the United States, if such data transfer is necessary for the specific purpose for which you submitted your data (such as the provision of goods or services under a written contract).

This may entail a transfer of your personal information across international borders. The data protections standards may differ and be lower than the standards enforced in your jurisdiction. We maintain appropriate safeguards as required by applicable law for any personal information transferred internationally, including, where applicable, standard contractual clauses. For a copy of these clauses, please contact us as set forth in the “Contact Us” section below.

8. Children

Our websites are not directed at individuals under the age of 16. We do not knowingly collect personal information from children under 16. If you become aware that a child has provided us with personal information, please contact us using the contact details provided in the “Contact Us”section below. If we become aware that a child under 16 has provided us with personal information, we will take steps to delete such information.

9. How Long Do We Keep Your Personal Data?

We may retain your Personal Data for a period of time consistent with the original purpose of collection (see the “Purposes for which we process Personal Data” section above) or as long as required to fulfill our legal obligations. We determine the appropriate retention period for Personal Data on the basis of the amount, nature, and sensitivity of the Personal Data being processed, the potential risk of harm from unauthorized use or disclosure of the Personal Data, whether we can achieve the purposes of the processing through other means, and on the basis of applicable legal requirements (such as applicable statutes of limitation).

After expiry of the applicable retention periods, your Personal Data will be deleted. If there is any data that we are unable, for technical reasons, to delete entirely from our systems, we will implement appropriate measures to prevent any further use of or access to such data.

For more information on data retention periods, please contact us by using the information in the “Contact us” section, below.

10. Your Rights Relating to Your Personal Data

1. Your Rights

You may have certain rights relating to your Personal Data, subject to local data protection laws. Depending on the applicable laws these rights may include the right to:

• Access your Personal Data held by us;

• Know more about how we process your Personal Data;

• Erase or delete your Personal Data, to the extent permitted by applicable data protection laws;

• Restrict our processing of your Personal Data, to the extent permitted by law;

• Object to our processing of your Personal Data. Where we process your Personal Data for direct marketing purposes or share it with third parties for their own direct marketing purposes, you can exercise your right to object at any time to such processing without having to provide any specific reason for such objection;

• Opt-out of certain disclosures of your Personal Data to third parties; and

• Not be discriminated against for exercising your rights described above.

2. Additional Disclosures for California, Colorado or Virginia Residents

We have listed the privacy rights for several U.S. state jurisdictions below, but we understand you may have additional rights in your jurisdiction. You may contact us directly at any time about exercising your data protection rights. We will consider your request in accordance with applicable laws.

Certain state laws require that we detail the categories of Personal Data that we disclose for certain “business purposes,” such as to service providers that assist us with securing our services or marketing our products.

We disclose the following categories of Personal Data for our business purposes:

• Identifiers;

• Personal information under ;

• Internet activity information;

• Visual information;

• Professional or employment-related information;

• Education information; and

• Inferences drawn from any of the above information categories.

Sensitive Categories of Personal Data:

• Account log-in information; and

• Geolocation data.

Several jurisdictions grant state residents certain rights, including the right to access specific types of Personal Data, the right to learn how we process Personal Data, the right to know whether and how we disclose or sell Personal Data, the right to opt out of any sale of Personal Data, the right to request deletion of Personal Data in certain circumstances, and the right not to be denied goods or services for exercising these rights.

California law further permits you to request information regarding the disclosure of your personal information to third parties for the third parties’ direct marketing purposes. We do not disclose your personal information to third parties for the third parties’ direct marketing purposes.

In the preceding twelve months we have not sold personal information.

For information on how to exercise your rights, please refer to Section 10.4 below.

If you are an authorized agent wishing to exercise rights on behalf of a state resident, please contact us using the information in the “Contact us” section below and provide us with a copy of the consumer’s written authorization designating you as their agent. We may need to verify your identity and place of residence before completing your rights request.

3. Additional Disclosures for Data Subjects in the EEA and the U.K.

Residents in the European Economic Area and the United Kingdom (together, for purposes of this section of the Privacy Policy, “EEA”), as well ascertain other jurisdictions, are entitled to certain rights and disclosures with respect to their Personal Data.

Our legal bases for collecting and using your Personal Data include:

• The performance of your contract or to enter into the contract and to take action on your requests. For example, the processing of your account registration, providing our services, platforms, and products to you, providing customer service to you.

• Our legitimate business interests. For example, fraud prevention, maintaining the security of our network and services, and maintaining, analyzing, and improving our products and services.

• Compliance with a mandatory legal obligation. For example, maintaining administrative records which are subject to mandatory retention periods. We may also collect your Personal Data to record your requests to exercise your rights and to verify your identity for such requests.

• Consent you provide where we do not rely on another legal basis. Consent may be withdrawn at any time.

In some countries, and in particular if you are located in the EEA, you may have the right to:

• Access your personal information;

• Correct inaccurate personal information;

• Request erasure of your personal information without undue delay;

• Request the restricted processing of your personal information;

• Request portability of the personal information that you have given us; and

• To object to the processing of your personal information.