Terms and Conditions (Course Agreement)

This updated version takes effect from November 1, 2023.


These terms and conditions outline the rules and regulations for the use of SkillLearningHub's Website, located at www.skilllearninghub.com 

THE AGREEMENT: This Course Agreement which defines to a large extent our Terms and Conditions (hereinafter, "Agreement") is made by and between Tesmo, an affiliated company of Tesmo and/or their respective licensors, hereinafter referred to as "Tesmo" or "Course Provider," AND you, further defined below, as a participant in the Course, also defined below.

All parts and sub-parts of this Agreement are specifically incorporated by reference here. Other agreements (General Privacy Policy, Cookie Policy, Refund Policy, Affiliate Agreement, Instructor Agreement, Privacy Statement, Imprint, Disclaimer, Instructor Content Guidelines, Minimum Course Requirements Checklist,  Subscription Cancellation and others) on this website form part of this Agreement. It is assumed that you have read and agreed to the terms of this Agreement and by extension you have read and agreed to all the terms of all the agreements and policies on this website if you use this website (www.skilllearninghub.com) in any way. This Agreement shall govern the use of all pages and screens in and on the Course (all collectively referred to as "Course") and any services provided by or on this Course Provider through the Course ("Services") and/or on the Course Provider's website ("Website").

Article 1 - DEFINITIONS:

A)  The parties referred to in this Agreement shall be defined as follows:

I) Course Provider, us, we, Company: Course Provider, as the creator, operator, and publisher of the Course, is responsible for providing the Course publicly. Course Provider, us, we, our, ours and other first-person pronouns will refer to the Course Provider, as well as, if applicable, all employees and affiliates of the Course Provider.

II) You, the user, the participant: You, as the participant in the course and user of the Website, will be referred to throughout this Agreement with second-person
pronouns such as you, your, yours, or as user or participant.

III) Parties: Collectively, the parties to this Agreement (Course Provider and You) will be referred to as Parties.

B) The Course details are all provided on our website - www.skilllearninghub.com 


By purchasing and participating in the Course, you warrant that you have read and reviewed this Agreement and that you agree to be bound by it. If you do not agree to be bound by this Agreement, please cease your participation in the Course immediately. If you do so after purchase, you will not be entitled to any refund. Course Provider only agrees to provide the Course to you if you assent to this Agreement.


Given the diverse audience, which includes teenagers and youths, SkillLearningHub prohibits the creation or sharing of content related to love relationships, sexual relationships, or any form of adult-only content. This policy ensures that the platform remains suitable and accessible for learners of all age groups and backgrounds.

SkillLearningHub is committed to being a hub for learning skills and knowledge that can positively impact our world. Our aim is to provide a safe and educational environment where parents can trust that their children can access valuable content without being exposed to inappropriate or explicit materials.

By implementing these guidelines, SkillLearningHub reinforces its commitment to maintaining a platform that is free from content that could be considered unsuitable for younger audiences. This step assures parents and guardians that their children can use the platform for educational purposes with confidence in its appropriateness.

You must be at least 13 (Thirteen) years of age to use this Website, participate in the Course or access any Services contained herein. By participating in the Course, you represent and warrant that you are at least 13 years of age which is the the minimum age for online participation and account creation and may legally agree to this Agreement. Course Provider assumes no responsibility or liability for any misrepresentation of your age.


We may provide you with certain information as a result of your accessing of the Course through the Website. Such information may include, but is not limited to, documentation, data, or information developed by us and other materials which may assist in your participation in the Course ("Materials"). Subject to this Agreement, we grant you a nonexclusive, limited, non-transferable and revocable license to use the Materials solely in connection with your participation in the Course and your use of the Website. The Materials may not be used for any other purpose, and this license terminates upon your completion of the Course, your cessation of use of the Course or the Website, or at the termination of this Agreement. Basically, all courses on our website grants you life-time access to the course.


SkillLearningHub offers a diverse range of educational courses and assessments. As you explore our platform, you will find a variety of learning opportunities designed to empower learners with valuable knowledge and skills. Below are the key components of our elearning offerings:

  1. E-Courses: Our platform provides a wide selection of online courses, granting learners access to comprehensive course materials, engaging lectures, and interactive assignments. Through our user-friendly learning management system, students can enjoy a flexible and self-paced learning experience.

  2. Live E-Courses: SkillLearningHub hosts real-time, instructor-led courses conducted through virtual classrooms. These live sessions enable active participation, fostering meaningful interactions between learners and instructors. Students can ask questions, collaborate with peers, and benefit from immediate feedback.

  3. Proctored E-Exams: As part of our commitment to maintaining academic integrity, we offer proctored exams. These assessments are conducted under strict supervision by qualified proctors, ensuring the credibility and fairness of the testing process.

  4. Live Proctored E-Exams: In addition to traditional proctored exams, we also provide live proctored exams with real-time supervision. This feature enhances the security of the examination process while offering the convenience of taking exams remotely.

Our E-Education platform aims to make learning accessible, convenient, and effective for learners from diverse backgrounds and geographical locations. We are dedicated to promoting lifelong learning and professional development, empowering individuals to achieve their academic and career aspirations.

As you embark on your educational journey with SkillLearningHub, we kindly ask you to review and acknowledge the terms and conditions governing the usage of our platform. Your continued use of SkillLearningHub implies your acceptance of these terms.

Article 6 - COURSE TERMS:

The Course does not have a structured start date, which means you may begin it at any time.

At the completion of the Course, you will receive a certificate evidencing your participation in, and completion of, the Course.

The Course and any of its accompanying Materials may not be shared with any party. If we suspect that the Course or Materials are being shared and/or that you have shared your log-in information with any party, we reserve the right to immediately terminate your access to the Course, in our sole and exclusive discretion.

Lifetime means the lifetime of the course or content on our platform. The Lifetime access is available worldwide. 

SkillLearningHub reserves the right to announce the end of Lifetime of any course or courses with a notice period of 30 to 90 days to the Customers.

Lifetime access is available for courses where one-time payment applies but for subscription payment model, a recurring payment is necessary for further access to the digital content.

We do not offer any promises or guarantees with regard to our Course or Course Materials. You hereby acknowledge and agree:

A) You are solely and exclusively responsible for the choices that you make with regard to this Course, the Materials contained within it, or any significant changes to your business or life;

B) You are solely and exclusively responsible for your own mental health, physical health, business decisions, and any other actions or inaction you choose to take;

C) We are not liable for any result or non-result or any consequences which may come about due to your participation in the Course;

D) This Course does not constitute a therapeutic relationship or a medical one. We do not provide therapy or medical services and you are responsible for procuring these services at your own will and discretion if needed.

E) Purchasing a course does not give you right to download the course. You are not permitted to download any video course or video event or any uploaded content unless it is expressly stated and we provide download button for the uploaded content.   


To ensure a secure and fair online quiz and exam environment, we have incorporated an advanced Online Exam Proctoring solution ("Proctoring") into our platform. These Terms of Use govern your use of Proctoring in conjunction with SkillLearningHub's services. By accessing or using Proctoring, you agree to be bound by these Terms.

  1. Purpose of Proctoring: Proctoring is a sophisticated online exam proctoring solution aimed at maintaining exam integrity and fostering a fair assessment environment for all users. It utilizes advanced technology, including artificial intelligence and behavior analysis, to monitor exam sessions, detect suspicious activities, and ensure the authenticity of test-takers.
  2. User Responsibilities: By engaging in any online quiz or exam on SkillLearningHub that employs Proctoring, you agree to the following responsibilities:
    I.  Provide accurate and truthful information during the verification process.
    II. Ensure you have access to a stable internet connection and a compatible device to participate in the exam.
    III. Refrain from any cheating, plagiarism, or unauthorized activities that compromise the integrity of the exam.
    IV. Avoid using unauthorized aids or external resources during the exam, unless explicitly permitted by the instructor.
  3. Data Collection and Privacy: Proctoring may collect and analyze certain data during the exam, including audio, video, and system information. By participating in exams using Proctoring, you consent to the collection and processing of this data for the sole purpose of proctoring and ensuring exam security. Your personal information will be handled in accordance with our Privacy Policy.
  4. Exam Monitoring and Recording: During the exam, Proctoring will continuously monitor and record your exam session to detect any irregularities or suspicious behavior. This recording will be available to authorized administrators and instructors for review and evaluation purposes only.
  5. Exam Integrity Review: In cases where Proctoring detects potential violations or irregularities during the exam, authorized administrators and instructors may review the recorded exam session to assess the integrity of the assessment. Any findings will be handled in accordance with the established academic integrity policy.
  6. System Requirements: It is your responsibility to ensure that your device meets the technical requirements necessary to use Proctoring effectively. SkillLearningHub will provide guidelines and recommendations for the necessary system configurations.
  7. Technical Issues: While SkillLearningHub strives to ensure a seamless experience, technical issues may occasionally arise during the exam process. In such cases, you are encouraged to report any problems promptly, and reasonable efforts will be made to resolve the issue.
  8. Intellectual Property: Proctoring and all related intellectual property rights are the exclusive property of SkillLearningHub. Unauthorized reproduction, distribution, or use of Proctoring is strictly prohibited.
  9. Acceptable Use: You may only use Proctoring in accordance with its intended purpose. Any misuse, unauthorized access, or attempt to tamper with the system is strictly prohibited and may result in disciplinary action.
  10. Modifications and Updates: These Terms of Use are subject to change at any time. SkillLearningHub reserves the right to modify or update these terms, and any changes will be communicated to users via the Platform.

By continuing to use Proctoring within SkillLearningHub, you indicate your acceptance of these Terms of Use. If you do not agree with any of the provisions outlined here, you must refrain from using Proctoring during your exams.

If you have any questions or concerns about these Terms of Use or the usage of Proctoring, please reach out to our support team at exam@skilllearninghub.com


Our platform offers live e-courses and live e-proctored exams and quizzes with the convenience of video conferencing. Before you proceed, please read and understand the following terms and conditions for using video conferencing on our platform:

  1. Purpose: Video conferencing is integrated into SkillLearningHub to facilitate real-time interactions during live e-courses and e-proctored exams. It enables seamless communication between instructors, learners, and proctors to enhance the learning experience.

  2. User Responsibility: By using video conferencing on SkillLearningHub, you agree to comply with all applicable laws and regulations. You are solely responsible for your conduct during video conferences and must not engage in any illegal, harmful, or disruptive activities.

  3. Privacy and Data Protection: Your privacy is important to us. When using video conferencing, you acknowledge and consent to the collection, processing, and storage of your personal data as per our Privacy Policy.

  4. Account and Access: To access video conferencing, you may need to sign in using your account credentials. We are not responsible for any issues related to account access or the handling of account information.

  5. Availability and Technical Issues: While we strive for a seamless experience, technical issues may occur occasionally. We cannot guarantee uninterrupted availability of video conferencing and are not liable for any disruptions.

  6. Intellectual Property Rights: The video conferencing software and its associated materials are owned by their respective owners. Users must respect these intellectual property rights and refrain from infringement.

  7. Prohibited Conduct: In video conferences, sharing inappropriate content, engaging in harassment, disrupting sessions intentionally, or attempting unauthorized access is strictly prohibited.

  8. Recording of Sessions: Unless there is a special agreement between SkillLearningHub and the instructor/institution, all sessions conducted on SkillLearningHub may be recorded and uploaded to the platform for other users to purchase and learn. By participating in video conferencing, you acknowledge and agree to this recording and potential sharing of sessions.

  9. Liabilities and Claims: SkillLearningHub will not be held accountable for any liabilities or other claims that may arise from the use of video conferencing on the platform. Users are solely responsible for the content they share, and any consequences resulting from the use of video conferencing are the responsibility of the respective parties involved.

  10. Indemnification: By using video conferencing on SkillLearningHub, you agree to indemnify and hold us harmless from any claims, damages, losses, liabilities, costs, and expenses arising from your use.

  11. Modification of Terms: We reserve the right to update or modify these terms at any time. Changes will be effective immediately upon posting on our website.

  12. Termination of Access: We may suspend or terminate your access to video conferencing on our platform at our discretion for any reason, including violating these terms.

By using video conferencing on SkillLearningHub, you acknowledge that you have read, understood, and agreed to abide by these terms and conditions. If you have any questions or concerns, please contact our support team for assistance.


You agree that the Materials, the Course, the Website, and any other Services provided by the Course Provider are the property of the Course Provider, including all copyrights, trademarks, trade secrets, patents, and other intellectual property ("Company IP"). You agree that the Company owns all right, title and interest in and to the Company IP and that you will not use the Company IP for any unlawful or infringing purpose. You agree not to reproduce or distribute the Company IP in any way, including electronically or via registration of any new trademarks, trade names, service marks or Uniform Resource Locators (URLs), without express written permission from the Company.

Article 10 - CONTENT YOU POST:

Through your participation in the Course and your use of the Website, you may be permitted to post materials to the Course pages and other parts of the Website ("User Contributions"). You hereby grant Course Provider a royalty-free, non-exclusive, worldwide license to copy, display, use, broadcast, transmit and make derivative works of User Contributions you post. The Course Provider claims no further proprietary rights in your User Contributions.

You also agree to comply with the "Acceptable Use" provision of this Agreement for all User Contributions that you post, including and especially to not violate the intellectual property rights of any third party through your User Contributions.

If you feel that any of your intellectual property rights have been infringed or otherwise violated by the posting of information or media by another of our users, please contact us and let us know.


As a participant in the Course, you will be asked to register with us. When you do so, you will choose a user identifier, which may be your email address or another term, as well as a password. You may also provide personal information, including, but not limited to, your name. You are responsible for ensuring the accuracy of this information. This identifying information will enable you to participate in the Course. You must not share such identifying information with any third party, and if you discover that your identifying information has been compromised, you agree to notify us immediately in writing. Email notification will suffice. You are responsible for maintaining the safety and security of your identifying information as well as keeping us apprised of any changes to your identifying information.

The billing information you provide us, including credit card, billing address and other payment information, is subject to the same confidentiality and accuracy requirements as the rest of your identifying information. Providing false or inaccurate information, or using the Course or the Website to further fraud or unlawful activity is grounds for immediate termination of this Agreement.

OBLIGATIONS: As a participant in a Course, you may be asked to undertake and complete the following obligations:

  • Optional quiz during the course.
  • Assignments
  • Exams
Article 12 - PAYMENT & FEES:

As noted above, the total Fees for the Course are always provided on our website.

The entirety of the Fees are due and payable upon your registration in the Course. No payment plans or installment plans are available.

Irrespective of where you are located, you can change the dashboard currency to your preferred shopping and payment currency from – My Account – page.

For a better shopping experience, you can change the currency to see many possibilities of payment options provided by the payment gateway giants that we use.

We offer you the freedom to choose the currency displayed on your dashboard. Regardless of your location or the currency of your choice, you can make payments using any local currency available. To change the currency on your dashboard, follow these steps:

  1. Access the - My Account -  page.
  2. Proceed to the - Account Details - section.
  3. Locate the - Default Currency - option.
  4. Select your preferred currency for payouts from the available choices.

Please note that in addition to one-time payment for a course, we also offer a subscription plan for some courses. The subscription amounts are valid for the stipulated time frame as indicated on the course archive page as well as during checkout. We hope that this added flexibility in payment options will enable you to enjoy our courses even more.

We appreciate your interest in our subscription plan to enhance your learning experience. To ensure a smooth transaction process, kindly note that if you opt for the subscription payment option, it is crucial to click on the "Update cart" button to view the updated prices. By default, our system displays one-time payment amounts, and clicking this button will reflect the correct pricing associated with your selected plan.

Please be advised that as an online subscriber, you will only have access to the digital contents of the course as long as your subscription remains active. 

We would like to remind you that if you have subscribed to any of our courses and do not cancel your subscription, you will continue to be billed for the next subscription period. In case of a declined payment, there will be automatic retries of failed recurring payments on your account.

If you have cancelled your subscription on 'My Account', you still need to fill the Subscription Cancellation Form on this Subscription Cancellation page in order to prevent subsequent charging of your account. The 'Subscription Cancellation' link can also be seen on the footer section of this page.

Please note that even if you cancel your subscription before the end of the current subscription period, you will still have access to the course until the end of the already paid subscription period. As always, if you have any questions or concerns regarding our terms and conditions, please do not hesitate to contact us.

Thank you for choosing our platform for your learning needs.

Article 13 - ACCEPTABLE USE:

You agree not to use the Course or the Website for any unlawful purpose or any purpose prohibited under this clause. You agree not to use the Course or the Website in any way that could damage the Course, Website, Services, or general business of the Course Provider.

a) You further agree not to use the Course or the Website:

I) To harass, abuse, or threaten others or otherwise violate any person's legal rights;
II) To violate any intellectual property rights of the Course Provider or any third party;
III) To upload or otherwise disseminate any computer viruses or other software that may damage the property of another;
IV) To perpetrate any fraud;
V) To engage in or create any unlawful gambling, sweepstakes, or pyramid scheme;
VI) To publish or distribute any obscene or defamatory material;
VII) To publish or distribute any material that incites violence, hate, or discrimination towards any group;
VIII) To unlawfully gather information about others.


We engage in affiliate marketing whereby we receive a commission on or percentage of the sale of goods or services on or through the Course and/or Website. We may also accept advertising and sponsorships from commercial businesses or receive other forms of advertising compensation. This disclosure is intended to comply with the US Federal Trade Commission Rules on marketing and advertising, as well as any other legal requirements which may apply.

Article 15 - NO LIABILITY:

The Course and Website are provided for informational purposes only. You acknowledge and agree that any information posted in the Course, in the Materials, or
on the Website is not intended to be legal advice, medical advice, or financial advice, and no fiduciary relationship has been created between you and us. You further agree that your participation in the Course is at your own risk. We do not assume responsibility or liability for any advice or other information given in the Course, in the Materials, or on the Website. The liability for damages, regardless of the form of the action, must not exceed the actual fee paid for the content on our website.

We offer, as part of our business activities, a directory of events. The details are published for the convenience of event participants. Although great care is being taken to ensure the correctness of all entries, we cannot accept any liability that may arise from the presence, absence or incorrectness of any particular information on this website. Always check with the event organisers before any payment or before making arrangements to participate in an event!


You agree not to undertake any of the following actions:

a) Reverse engineer, or attempt to reverse engineer or disassemble any code or software from or on the Course or Website;
b) Violate the security of the Course or Website through any unauthorized access, circumvention of encryption or other security tools, data mining or interference to
any host, user or network.

Article 17 - DATA LOSS:

We do not assume or accept responsibility for the security of your account or content. You agree that your participation in the Course or use of the Website is at your own risk.


You agree to defend and indemnify the Course Provider and any of our affiliates (if applicable) and hold us harmless against any and all legal claims and demands,
including reasonable attorney's fees, which may arise from or relate to your participation in the Course, your use or misuse of the Website, your breach of this Agreement, or your conduct or actions. You agree that we shall be able to select our own legal counsel and may participate in our own defense, if we wish.

Article 19 - SPAM POLICY:

You are strictly prohibited from using Course for illegal spam activities, including gathering email addresses and personal information from others or sending any mass commercial emails.


We may, from time to time and at any time without notice to you, modify this Agreement. You agree that we have the right to modify this Agreement or revise anything contained herein. You further agree that all modifications to this Agreement are in full force and effect immediately upon posting on the Website and that modifications or variations will replace any prior version of this Agreement, unless prior versions are specifically referred to or incorporated into the latest modification or variation of this Agreement.

To the extent any part or sub-part of this Agreement is held ineffective or invalid by any court of law, you agree that the prior, effective version of this Agreement shall be considered enforceable and valid to the fullest extent.


This Agreement constitutes the entire understanding between the Parties with respect to the Course. This Agreement supersedes and replaces all prior or contemporaneous agreements or understandings, written or oral.

SkillLearningHub reserves the right to change or modify the aforementioned contents in this Terms and Condition and all other agreements on our website (https://skilllearninghub.com) without prior notice. We strongly advise you to always check the contents of all agreements on our website to ensure that you are always informed of the current changes.


We may need to interrupt your access to the Course to perform maintenance or emergency services on a scheduled or unscheduled basis. You agree that your access to the Course and/or Website may be affected by unanticipated or unscheduled downtime, for any reason, but that we shall have no liability for any damage or loss caused as a result of such downtime.


We may terminate this Agreement with you at any time for any reason, with or without cause. We specifically reserve the right to terminate this Agreement if you violate any of the terms outlined herein, including, but not limited to, violating the intellectual property rights of us or a third party, failing to comply with applicable laws or other legal obligations, and/or publishing or distributing illegal material. You may also terminate this Agreement at any time by contacting us and requesting termination. At the termination of this Agreement, any provisions that would be expected to survive termination by their nature shall remain in full force and effect.

Please be advised that terminating this Agreement does not entitle you to a refund on any monies spent with us.

Article 24 - NO WARRANTIES:

You agree that your participation in the Course and your use of the Website is at your sole and exclusive risk and that any Services provided by us are on an "As Is" basis. We hereby expressly disclaim any and all express or implied warranties of any kind, including, but not limited to the implied warranty of fitness for a particular purpose and the implied warranty of merchantability. We make no warranties that the Course or Website will meet your needs or that the Course or Website will be uninterrupted, errorfree, or secure. We also make no warranties as to the reliability or accuracy of any information in the Course or on the Website. You agree that any damage that may occur to you, through your computer system, or as a result of loss of your data from your participation in the Course or your use of the Website is your sole responsibility and that we are not liable for any such damage or loss.


We are not liable for any damages that may occur to you as a result of your participation in the Course or your use of the Website, to the fullest extent permitted by law, as noted above. The maximum liability of Course Provider arising from or relating to this Agreement is limited to fifty ($50) US Dollars or the amount you paid to us in the last two (2) months. This section applies to any and all claims by you, including, but not limited to, lost profits or revenues, consequential or punitive damages, negligence, strict liability, fraud, or torts of any kind.


A) LANGUAGE: All communications made or notices given pursuant to this Agreement shall be in the English language.

B) JURISDICTION, VENUE & CHOICE OF LAW: Through your participation in the Course and your use of the Website, you agree that the laws of the Federal Republic of Nigeria shall govern any matter or dispute relating to or arising out of this Agreement, as well as any dispute of any kind that may arise between you and us, with the exception of its conflict of law provisions. In case any litigation specifically permitted under this Agreement is initiated, the Parties agree to submit to the personal jurisdiction of the state and federal courts in Lagos, Nigeria. The Parties agree that this choice of law, venue, and jurisdiction provision is not permissive, but rather mandatory in nature. You hereby waive the right to any objection of venue, including assertion of the doctrine of forum non convenience or similar doctrine.

C) ARBITRATION: In case of a dispute between the Parties relating to or arising out of this Agreement, the Parties shall first attempt to resolve the dispute personally
and in good faith. If these personal resolution attempts fail, the Parties shall then submit the dispute to binding arbitration. The arbitration shall be conducted in Lagos, Nigeria. Each party shall appoint one arbitrator and such arbitrators shall have no authority to add Parties, vary the provisions of this Agreement, award punitive damages, or certify a class. The arbitrators shall be bound by applicable and governing Federal laws of Nigeria. Each Party shall pay their own costs and fees. Claims necessitating arbitration under this section include, but are not limited to: contract claims, tort claims, claims based on Federal and state laws, and claims based on local laws, ordinances, statutes or regulations. Intellectual property claims by us will not be subject to arbitration and may, as an exception to this sub-part, be litigated. The Parties, in agreement with this sub-part of this Agreement, waive any rights they may have to a jury trial in regard to arbitral claims.

D) ASSIGNMENT: This Agreement, or the rights granted hereunder, may not be assigned, sold, leased or otherwise transferred in whole or part by you. Should this
Agreement, or the rights granted hereunder, be assigned, sold, leased or otherwise transferred by Course Provider, the rights and liabilities of Course Provider will bind and inure to any assignees, administrators, successors, and executors.

E) SEVERABILITY: If any part or sub-part of this Agreement is held invalid or unenforceable by a court of law or competent arbitrator, the remaining parts and
sub-parts will be enforced to the maximum extent possible. In such condition, the remainder of this Agreement shall continue in full force.

F) NO WAIVER: In the event that we fail to enforce any provision of this Agreement, this shall not constitute a waiver of any future enforcement of that provision or of any other provision. Waiver of any part or sub-part of this Agreement will not constitute a waiver of any other part or sub-part.

G) HEADINGS FOR CONVENIENCE ONLY: Headings of parts and sub-parts under this Agreement are for convenience and organization, only. Headings shall not affect the meaning of any provisions of this Agreement.

H) NO AGENCY, PARTNERSHIP OR JOINT VENTURE: No agency, partnership, or joint venture has been created between the Parties as a result of this Agreement.
No Party has any authority to bind the other to third parties.

I) FORCE MAJEURE: We are not liable for any failure to perform due to causes beyond our reasonable control including, but not limited to, acts of God, acts of civil authorities, acts of military authorities, riots, embargoes, acts of nature and natural disasters, and other acts which may be due to unforeseen circumstances.

J) ELECTRONIC COMMUNICATIONS PERMITTED: Electronic communications are permitted to both Parties under this Agreement. For any questions or concerns, please fill out the contact form.