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Terms and Conditions

Effective Date: October 12, 2025
Last Updated: October 12, 2025

Company Information

iSpeak-Up [Legal Entity Type – IKE/AE/EPE]
Tax Registration Number (AFM): [Your AFM Number]
Tax Office (DOY): [Your DOY]
GEMI Registration Number: [Your GEMI Number]
Greek VAT Number: EL[Your VAT Number]
Registered Address: [Street Address], [City], [Postal Code], Greece
Email: info@ispeak-up.com
Phone: +306985883764
Website: www.ispeak-up.com

1. Introduction and Acceptance of Terms

1.1 Agreement to Terms

Welcome to iSpeak-Up! These Terms and Conditions (“Terms,” “Agreement”) constitute a legally binding agreement between you (“User,” “you,” “your,” “Student”) and iSpeak-Up (“Company,” “we,” “us,” “our”) governing your access to and use of:

  • Our website (www.ispeak-up.com)
  • Our educational platform and mobile applications
  • All educational services, courses, and content
  • All related services (collectively, the “Services”)

By accessing, browsing, registering for, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, Cookie Policy, and Refund Policy.

If you do not agree with any part of these Terms, you must immediately cease using our Services.

1.2 Legal Capacity

By using our Services, you represent and warrant that:

  • You have the legal capacity to enter into binding contracts
  • You are not prohibited by law from using our Services
  • All information you provide is accurate and truthful
  • You will comply with all applicable laws and regulations

2. Eligibility and Account Registration

2.1 Age Requirements

Minimum Age:

  • Users must be at least 13 years of age to use our Services
  • Users aged 13-17 must have explicit parental or legal guardian consent
  • Parents/guardians are responsible for monitoring minors’ use of our Services

Parental Consent:

  • For users under 18, we may require verifiable parental consent
  • Parents/guardians accept these Terms on behalf of minors
  • Parents/guardians are responsible for all activities under minor accounts

2.2 Account Registration

Creating an Account:

To access certain features, you must create an account by providing:

✅ Valid email address
✅ Full name
✅ Secure password
✅ Date of birth (for age verification)
✅ Country of residence
✅ Payment information (for paid services)

Account Responsibilities:

You are responsible for:

  • Providing accurate, current, and complete information
  • Maintaining the security and confidentiality of your account credentials
  • All activities that occur under your account
  • Notifying us immediately of any unauthorized access or security breach
  • Updating your account information to keep it accurate

Account Restrictions:

You may NOT:

❌ Create multiple accounts for the same person
❌ Share your account with others
❌ Use another person’s account without permission
❌ Create an account using false or misleading information
❌ Create an account if you were previously banned
❌ Transfer or sell your account to another person

2.3 Account Verification

We reserve the right to:

  • Verify your identity and eligibility
  • Request additional documentation
  • Suspend accounts pending verification
  • Refuse service to anyone for any lawful reason

3. Services and Subscription Plans

3.1 Educational Services Overview

iSpeak-Up provides online educational services including:

  • Language Courses: English, Greek, and other language instruction
  • Video Lessons: Pre-recorded and live interactive sessions
  • Learning Materials: PDFs, worksheets, exercises, and resources
  • Progress Tracking: Performance analytics and reports
  • Certificates: Upon successful course completion
  • Community Access: Forums and peer interaction
  • Instructor Support: Direct communication with teachers
  • Mobile Access: iOS and Android applications

3.2 Subscription Plans

We offer the following subscription tiers:

Basic Plan

Features:

  • Access to foundational courses
  • Limited course library (up to 10 courses)
  • Standard video quality
  • Email support (48-hour response)
  • Progress tracking
  • Mobile app access
  • Community forum access

Billing: Monthly or Annual
Price: [Your Price] + applicable VAT

Pro Plan

Features:

  • Access to advanced courses
  • Extended course library (up to 50 courses)
  • HD video quality
  • Priority email support (24-hour response)
  • Live chat support
  • Interactive exercises and quizzes
  • Downloadable resources
  • Progress reports
  • Mobile app access
  • Community forum access

Billing: Monthly or Annual
Price: [Your Price] + applicable VAT

Ultimate Plan

Features:

  • Unlimited access to all courses
  • Premium and exclusive content
  • 4K video quality
  • 24/7 priority support (all channels)
  • One-on-one coaching sessions (2 per month)
  • Personalized learning paths
  • Advanced analytics
  • Certificates of completion
  • Early access to new courses
  • Offline download capability
  • Private community groups
  • Career counseling services
  • Lifetime access to completed courses

Billing: Monthly or Annual
Price: [Your Price] + applicable VAT

3.3 Free Trial Period

Trial Terms:

  • New users may receive a 7-day free trial (where applicable)
  • Full access to selected plan features during trial
  • No charges if canceled before trial end
  • One trial per user (verified by email and payment method)
  • Automatic conversion to paid subscription unless canceled
  • Trial eligibility at our sole discretion

Important: Starting the trial begins your 14-day EU cooling-off period.

3.4 Service Modifications

We reserve the right to:

  • Modify, suspend, or discontinue any Service feature
  • Change course content, instructors, or curriculum
  • Add or remove courses from subscription tiers
  • Update platform functionality and user interface
  • Adjust plan features and benefits

Notice: We will provide reasonable advance notice of material changes when possible. Continued use after changes constitutes acceptance.

4. Pricing, Payment, and Billing

4.1 Pricing and Taxes

Pricing:

  • All prices displayed on our website are in Euros (€)
  • Prices are subject to change without prior notice
  • Current subscribers maintain their price until renewal
  • Promotional pricing is temporary and may expire

Greek VAT:

  • All prices include Greek VAT at the applicable rate (currently 24% for educational services, or as legally required)
  • VAT invoices issued automatically for all transactions
  • VAT rates subject to Greek and EU law changes
  • Business customers (B2B) may be subject to reverse charge mechanism if outside Greece

Tax Documentation:

  • Tax invoices available in your account dashboard
  • Invoices issued within 5 business days of payment
  • Invoices include all legally required information per Greek tax law

4.2 Payment Methods

Accepted Payment Methods:

We accept the following payment methods:

✅ Credit Cards (Visa, Mastercard, American Express)
✅ Debit Cards
✅ PayPal
✅ Bank Transfer (for annual plans only)
✅ [Other local payment methods if applicable]

Payment Processing:

  • Payments processed securely through certified payment providers
  • We do NOT store complete credit card information
  • Payment information encrypted and PCI-DSS compliant
  • Transaction confirmation sent via email

4.3 Subscription Billing

Automatic Renewal:

  • Subscriptions renew automatically at the end of each billing period
  • Monthly plans: Renewed every 30 days
  • Annual plans: Renewed every 365 days
  • Billing occurs on the same date each period
  • You authorize recurring charges to your payment method

Billing Notifications:

We will notify you:

  • 7 days before annual subscription renewal
  • 3 days before monthly subscription renewal
  • Immediately upon successful payment
  • If payment fails or requires attention

Payment Failure:

If payment fails:

  • We will attempt to process payment 3 times over 7 days
  • Email notifications sent for each failed attempt
  • Services may be suspended until payment received
  • Account may be terminated after 14 days of non-payment

4.4 Plan Changes

Upgrading:

  • Available at any time
  • Price difference charged immediately and prorated
  • New features accessible immediately
  • Next billing at new plan rate

Downgrading:

  • Takes effect at next billing cycle
  • Access to current plan features maintained until then
  • No refunds for remaining period of current plan
  • Confirm downgrade before next billing date

4.5 Price Changes

Notification:

  • 30 days advance notice for price increases
  • Changes apply to new and renewing subscriptions
  • Current subscription period honored at original price
  • Option to cancel before increase takes effect

5. EU Consumer Rights and Right of Withdrawal

5.1 14-Day Cooling-Off Period (Right of Withdrawal)

Under Greek Law 2251/1994 (Consumer Protection) and EU Directive 2011/83/EU (Consumer Rights Directive), you have the right to:

Cancel within 14 days of purchase without giving any reason.

How to Exercise Withdrawal Right:

  1. Send clear written statement to: info@ispeak-up.com
  2. Include: Name, address, email, order number, date of purchase
  3. State: “I hereby withdraw from this contract”
  4. No specific form required (but template available on request)

Withdrawal Deadline:

  • Starts from date of purchase confirmation
  • Must be received within 14 calendar days
  • We will confirm receipt within 24 hours

Refund Processing:

  • Refund issued within 14 days of receiving withdrawal notice
  • Returned to original payment method
  • No deductions unless you explicitly requested service to begin immediately

5.2 Exception: Waiver of Withdrawal Right for Digital Content

IMPORTANT: According to Article 16(m) of EU Consumer Rights Directive:

You lose your right of withdrawal when:

✅ You expressly consent to begin using the digital content
✅ You acknowledge loss of withdrawal right
✅ You start accessing courses or downloading materials

Our Process:

Before accessing services, you will:

  1. Be clearly informed of this exception
  2. Provide explicit consent to immediate service delivery
  3. Acknowledge understanding that withdrawal right is lost
  4. Confirm acceptance via checkbox before course access

Documentation:

  • All consents recorded and stored
  • Confirmation email sent
  • Withdrawal right waiver legally valid only with proper consent

5.3 Full Refund Policy

For complete refund terms, see our Refund and Return Policy document.

6. Licenses and Intellectual Property Rights

6.1 Our Intellectual Property

Ownership:

All content and materials available through our Services are owned by iSpeak-Up or our licensors, including:

  • Course content (videos, audio, text, images)
  • Educational materials and worksheets
  • Software and platform code
  • Trademarks, logos, and branding
  • Graphics, designs, and user interface
  • Proprietary methodologies and curriculum

Protection:

Our content is protected by:

  • Greek Law 2121/1993 (Copyright Law)
  • Greek Law 4481/2017 (Trademark Law)
  • International copyright treaties
  • EU Directives on intellectual property
  • Trade secret protections

6.2 Limited License to Users

What You CAN Do:

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

✅ Access and view course content for personal use
✅ Download materials where expressly permitted
✅ Print materials for personal educational use
✅ Participate in interactive course features
✅ Use course materials for your own learning

What You CANNOT Do:

You may NOT:

❌ Copy, reproduce, or distribute our content
❌ Record, screenshot, or capture video lessons
❌ Share your account or course access with others
❌ Resell, rent, or sublicense our content
❌ Create derivative works from our materials
❌ Remove copyright notices or watermarks
❌ Use content for commercial purposes
❌ Reverse engineer our platform or software
❌ Extract or scrape content systematically
❌ Upload content to third-party sites
❌ Use content in any public forum without permission
❌ Create competing services using our content

6.3 User-Generated Content

Your Content:

When you submit content to our Services (comments, assignments, reviews, forum posts, profile information), you:

  • Retain ownership of your submitted content
  • Grant us a license as described below
  • Represent you have the right to share this content
  • Agree your content does not violate any third-party rights

License You Grant to Us:

You grant iSpeak-Up a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to:

  • Use, reproduce, distribute, and display your content
  • Modify and create derivative works
  • Use for marketing and promotional purposes
  • Incorporate into our Services
  • Allow other users to view and interact with your content

Duration: This license continues until you or we delete the content.

User Content Standards:

Your content must NOT:

❌ Violate any laws or regulations
❌ Infringe on intellectual property rights
❌ Contain offensive, defamatory, or harmful material
❌ Include spam, advertising, or solicitation
❌ Contain personal information of others without consent
❌ Include malicious code or viruses
❌ Impersonate any person or entity
❌ Violate academic integrity

6.4 Copyright Infringement Claims

DMCA/Copyright Complaints:

If you believe your copyrighted work has been infringed, contact:

Copyright Agent:
Email: info@ispeak-up.com

Include:

  1. Identification of copyrighted work
  2. Location of infringing material
  3. Your contact information
  4. Statement of good faith belief
  5. Statement under penalty of perjury
  6. Electronic or physical signature

Counter-Notification: Available for users whose content was removed.

6.5 Trademarks

Our Trademarks:

“iSpeak-Up,” our logos, and related marks are trademarks owned by us.

You may NOT use our trademarks without prior written permission, except:

  • Nominative fair use
  • As required to identify our Services

7. User Conduct and Prohibited Activities

7.1 Acceptable Use Policy

You agree to use our Services lawfully and ethically.

You May:

✅ Use Services for personal educational purposes
✅ Interact respectfully with instructors and students
✅ Provide constructive feedback
✅ Share success stories (with proper attribution)
✅ Ask questions and seek help

7.2 Prohibited Activities

Illegal Activities:

You may NOT:

❌ Violate any Greek, EU, or international laws
❌ Engage in fraud or deceptive practices
❌ Launder money or finance illegal activities
❌ Violate data protection laws (GDPR)
❌ Engage in copyright piracy

Harmful Conduct:

You may NOT:

❌ Harass, threaten, or intimidate others
❌ Bully or discriminate
❌ Post hate speech or incite violence
❌ Share graphic or disturbing content
❌ Stalk or dox other users
❌ Impersonate instructors or staff

Platform Abuse:

You may NOT:

❌ Attempt unauthorized access to accounts or systems
❌ Use automated bots or scrapers
❌ Interfere with platform functionality
❌ Introduce viruses or malicious code
❌ Overload or attack our servers (DDoS)
❌ Circumvent security measures
❌ Exploit bugs or vulnerabilities for gain

Content Violations:

You may NOT post:

❌ Spam or repetitive messages
❌ Advertising or promotional content
❌ Misinformation or fake news
❌ Plagiarized work
❌ Sexually explicit material
❌ Content promoting illegal activities

Academic Integrity Violations:

You may NOT:

❌ Submit work that is not your own
❌ Use unauthorized aids during assessments
❌ Share exam questions or answers
❌ Help others cheat or violate policies
❌ Purchase or sell course assignments
❌ Plagiarize content without attribution

Commercial Misuse:

You may NOT:

❌ Resell or redistribute our courses
❌ Use our platform for commercial training without license
❌ Create derivative educational products
❌ Compete with us using our materials

7.3 Consequences of Violations

Violations may result in:

  1. Warning: First offense notification
  2. Content Removal: Deletion of violating material
  3. Temporary Suspension: 7-30 day account freeze
  4. Permanent Termination: Account closure
  5. Legal Action: Civil or criminal proceedings
  6. Reporting: To authorities if required by law

We reserve the right to skip warnings for serious violations.

8. Account Termination and Suspension

8.1 Termination by You

Voluntary Cancellation:

You may cancel your account at any time:

Methods:

  1. Account Dashboard → Settings → Cancel Subscription
  2. Email: info@ispeak-up.com (include account email)
  3. Contact Support: info@ispeak-up.com

Effects:

  • Access continues until end of current billing period
  • No refund for unused portion (see Refund Policy)
  • No further charges after current period ends
  • Account data retained for 60 days

Account Deletion:

To permanently delete your account:

  1. Email: info@ispeak-up.com
  2. Verify identity
  3. Confirm deletion (irreversible)
  4. Data deleted within 30 days (except legal retention requirements)

8.2 Termination by Us

Grounds for Termination:

We may suspend or terminate your account if you:

  • Violate these Terms
  • Engage in prohibited activities
  • Provide false or misleading information
  • Fail to pay fees when due
  • Abuse refund or support systems
  • Remain inactive for 24+ months
  • Pose security risk to our Services

Process:

  • Notice: 7 days advance notice when possible (not required for serious violations)
  • Opportunity to Cure: Chance to fix issues for minor violations
  • Immediate Termination: Reserved for serious violations

Effects:

  • Immediate loss of access
  • No refund unless required by law
  • Content may be deleted
  • Prohibited from creating new accounts

8.3 Effect of Termination

Upon termination of your account:

You Lose:

  • Access to all courses and content
  • Course progress and certificates
  • Uploaded materials and assignments
  • Community participation
  • Future benefits

You Retain:

  • Responsibility for past activities
  • Obligation to pay outstanding fees
  • Liability for violations during active period

We Retain:

  • Right to retain data as legally required
  • Transaction records (10 years per Greek tax law)
  • Limited information for fraud prevention

9. Disclaimers and Warranties

9.1 Service “As Is” Basis

No Warranties:

OUR SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the maximum extent permitted by Greek and EU law, we disclaim:

❌ Warranties of merchantability
❌ Warranties of fitness for particular purpose
❌ Warranties of non-infringement
❌ Warranties arising from course of dealing or usage
❌ Guarantees of uninterrupted service
❌ Guarantees of error-free operation
❌ Guarantees of specific outcomes

9.2 Educational Outcomes

No Guarantee of Results:

While we strive to provide high-quality education:

  • We do NOT guarantee specific learning outcomes
  • Results depend on individual effort, circumstances, and ability
  • Course completion does NOT guarantee employment
  • Certificates reflect course completion, not skill mastery
  • Success varies based on numerous factors

Student Responsibility:

Your educational success requires:

  • Consistent effort and practice
  • Active participation
  • Dedication to learning
  • Application of knowledge
  • Personal commitment

9.3 Third-Party Content and Services

External Links:

Our Services may contain links to third-party websites or services.

We are NOT responsible for:

❌ Accuracy of third-party content
❌ Third-party privacy practices
❌ Third-party terms and conditions
❌ Products or services offered by third parties
❌ Damages from third-party interactions

Instructor Content:

While we vet instructors:

  • Instructors are independent contractors or employees
  • Instructor opinions are their own
  • We do not endorse all instructor statements
  • Report concerns to: info@ispeak-up.com

9.4 Technical Disclaimers

Platform Availability:

We do NOT guarantee:

  • 100% uptime or availability
  • Compatibility with all devices
  • Service during maintenance periods
  • Performance in all network conditions
  • No data loss or corruption

Reasonable Efforts:

We will make commercially reasonable efforts to:

  • Maintain service availability
  • Fix bugs and issues promptly
  • Provide technical support
  • Protect against security threats

10. Limitation of Liability

10.1 Limitation on Damages

TO THE MAXIMUM EXTENT PERMITTED BY GREEK AND EU LAW:

iSpeak-Up, its directors, officers, employees, agents, contractors, and affiliates SHALL NOT BE LIABLE FOR:

Indirect Damages:

  • Indirect, incidental, or consequential damages
  • Loss of profits or business opportunities
  • Loss of data or information
  • Loss of goodwill or reputation
  • Cost of substitute services
  • Emotional distress

Even If:

  • We were advised of possibility of such damages
  • Such damages were foreseeable
  • Remedy fails of its essential purpose

10.2 Maximum Liability Cap

Financial Limitation:

Our total liability to you for all claims arising from or related to these Terms or our Services SHALL NOT EXCEED:

The greater of:

  1. Amount you paid to us in the 12 months before the claim, OR
  2. €100 (one hundred euros)

10.3 Exceptions to Limitations

These limitations DO NOT apply to:

  1. Death or Personal Injury: Caused by our negligence
  2. Fraud: Fraudulent misrepresentation
  3. Gross Negligence: Willful misconduct
  4. Mandatory Statutory Rights: Rights that cannot be excluded under Greek/EU law
  5. Data Protection Violations: GDPR non-compliance
  6. Consumer Rights: Where limitation would be unfair under consumer protection law

10.4 Greek and EU Consumer Protection

Under Greek Law 2251/1994 and EU consumer protection directives:

For Consumers:

  • Limitations may not apply if deemed unfair
  • Statutory rights cannot be excluded
  • Alternative dispute resolution available
  • Right to sue in country of residence

For Businesses (B2B):

  • Full limitations generally apply
  • Commercial terms govern
  • Negotiation possible for enterprise agreements

11. Indemnification

11.1 Your Indemnification Obligation

You agree to indemnify, defend, and hold harmless iSpeak-Up, its parent companies, subsidiaries, affiliates, officers, directors, employees, agents, contractors, and licensors from and against any and all:

  • Claims
  • Demands
  • Losses
  • Liabilities
  • Damages
  • Costs
  • Expenses (including reasonable legal fees)

Arising From:

  1. Your use or misuse of our Services
  2. Your violation of these Terms
  3. Your violation of any law or regulation
  4. Your violation of third-party rights (including intellectual property, privacy, or publicity rights)
  5. Your User-Generated Content
  6. Your negligent or wrongful conduct
  7. Unauthorized access to your account

11.2 Indemnification Process

You Must:

  • Promptly notify us of any claim
  • Cooperate fully in defense
  • Not settle without our written consent
  • Provide information and assistance as requested

We Reserve Right To:

  • Assume exclusive defense and control
  • Choose legal counsel
  • Settle claims at our discretion
  • Require your participation at our expense

12. Dispute Resolution and Governing Law

12.1 Governing Law

These Terms are governed by and construed in accordance with:

Primary Law:

  • Greek Law (Hellenic Republic)
  • Specifically: Civil Code, Consumer Protection Law 2251/1994
  • Commercial law as applicable

Applicable EU Law:

  • EU Regulations and Directives
  • GDPR (Regulation 2016/679)
  • Consumer Rights Directive (2011/83/EU)
  • E-Commerce Directive (2000/31/EC)
  • Unfair Contract Terms Directive (93/13/EEC)

Conflict of Laws:

  • Greek law governs without regard to conflict of law principles
  • EU law supremacy applies where applicable

12.2 Jurisdiction

For Consumer Disputes:

If you are a consumer residing in the EU, you may bring claims in:

  1. Your Country of Residence: Courts where you habitually reside, OR
  2. Greece: Courts of Athens, Greece

This does not deprive you of mandatory consumer protection in your country.

For Business Disputes (B2B):

Exclusive jurisdiction: Courts of Athens, Greece

12.3 Informal Dispute Resolution

Required First Step:

Before filing any legal claim, you agree to:

  1. Contact Us: Email info@ispeak-up.com
  2. Describe Issue: Provide detailed description of dispute
  3. Good Faith Negotiation: Attempt to resolve informally for 30 days
  4. Documentation: Keep records of communication

Benefits:

  • Faster resolution
  • Lower costs
  • Preserve relationship
  • Flexible solutions

12.4 Alternative Dispute Resolution (ADR)

Greek Consumer Ombudsman:

For consumer disputes, you may contact:

Hellenic Consumer Ombudsman
Website: www.synigoroskatanaloti.gr
Phone: +30 213 1306 600
Email: complaints@synigoroskatanaloti.gr

European ODR Platform:

EU consumers can use the Online Dispute Resolution platform:

EU ODR Platform
Website: https://ec.europa.eu/consumers/odr
Purpose: Out-of-court resolution of online disputes

Mediation:

Parties may agree to mediation through:

  • Athens Mediation and Arbitration Centre
  • Other accredited Greek mediators
  • Online mediation services

12.5 Arbitration (Optional for B2B)

For Business Users Only:

By mutual written agreement, parties may submit disputes to:

Arbitration Body: Athens Arbitration Centre
Rules: Arbitration Rules of Greece
Language: Greek or English (as agreed)
Location: Athens, Greece
Governing Law: Greek Arbitration Law 2735/1999

Binding Decision: Arbitrator’s award is final and binding.

12.6 Class Action Waiver

Individual Basis Only:

To the extent permitted by law, you agree to resolve disputes on an individual basis.

You waive the right to:

  • Participate in class action lawsuits
  • Join group or consolidated proceedings
  • Act as class representative
  • Receive relief jointly with others

Exception: This waiver does not apply if prohibited by mandatory consumer protection law in your jurisdiction.

12.7 Exceptions to Dispute Resolution

The following may be pursued without informal resolution:

  1. Small Claims Court: Claims within small claims jurisdiction
  2. Intellectual Property: IP infringement claims
  3. Injunctive Relief: Emergency court orders
  4. Government Actions: Regulatory or criminal matters
  5. Data Protection: GDPR complaints to supervisory authority

13. Data Protection and Privacy

13.1 Privacy Policy Incorporation

Your use of our Services is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Key Points:

  • We collect and process personal data as described in Privacy Policy
  • You consent to data processing by accepting these Terms
  • GDPR rights apply to all EU users
  • Greek Data Protection Authority has jurisdiction

Review Privacy Policy: [Link to Privacy Policy]

13.2 GDPR Compliance

Your Rights Under GDPR:

✅ Right of Access (Article 15)
✅ Right to Rectification (Article 16)
✅ Right to Erasure/”Right to be Forgotten” (Article 17)
✅ Right to Restriction of Processing (Article 18)
✅ Right to Data Portability (Article 20)
✅ Right to Object (Article 21)
✅ Rights Related to Automated Decision-Making (Article 22)

Exercise Rights: Contact info@ispeak-up.com

13.3 Data Processing Agreement

For Business Users:

If you are a business (B2B) and share personal data with us, a separate Data Processing Agreement may be required under GDPR Article 28.

Contact: info@ispeak-up.com

13.4 Data Breach Notification

Our Obligation:

In case of personal data breach:

  • Notification to Hellenic DPA within 72 hours
  • Notification to affected users if high risk
  • Detailed breach report

Your Obligation:

If you discover a breach involving our Services:

  • Notify us immediately: info@ispeak-up.com
  • Do not disclose publicly until we coordinate response

14. Modifications to Terms and Services

14.1 Changes to Terms

Right to Modify:

We reserve the right to modify these Terms at any time.

Notification Methods:

Material changes will be communicated via:

  1. Email Notice: To registered email address (30 days advance)
  2. Website Banner: Prominent notice on website
  3. In-App Notification: Push notification or in-app message
  4. Updated Date: “Last Updated” date at top of Terms

Effective Date:

  • Minor changes: Effective upon posting
  • Material changes: Effective 30 days after notice
  • Changes required by law: Effective immediately

Your Options:

After notification of material changes:

✅ Accept: Continue using Services (constitutes acceptance)
✅ Reject: Cancel subscription before effective date
✅ Contact Us: Discuss concerns at info@ispeak-up.com

Failure to Object: Continued use after effective date = acceptance of new Terms.

14.2 Changes to Services

Service Modifications:

We reserve the right to:

  • Add, modify, or remove features
  • Change course content or curriculum
  • Update instructors or teaching staff
  • Adjust subscription plan benefits
  • Modify platform design and functionality
  • Discontinue courses or entire Services

Notice:

  • Reasonable advance notice when commercially feasible
  • No notice required for minor updates
  • 30 days notice for removal of major features
  • Immediate changes for legal compliance or security

No Liability:

We are not liable for losses resulting from Service modifications, except as required by mandatory consumer protection law.

15. General Provisions

15.1 Entire Agreement

These Terms, together with:

  • Privacy Policy
  • Cookie Policy
  • Refund and Return Policy
  • Any additional policies referenced herein

Constitute the entire agreement between you and iSpeak-Up regarding the Services.

Supersedes: All prior agreements, understandings, and representations.

15.2 Severability

If any provision of these Terms is found to be:

  • Invalid
  • Illegal
  • Unenforceable

Then:

  • Only that provision is affected
  • Remaining provisions remain in full force
  • Invalid provision reformed to be enforceable while reflecting original intent
  • If reformation impossible, provision severed

15.3 Waiver

No Waiver by Inaction:

Our failure to enforce any right or provision does NOT constitute:

  • A waiver of that right or provision
  • A waiver of any other right or provision
  • A precedent for future non-enforcement

Formal Waiver Required:

Waivers must be:

  • In writing
  • Signed by authorized representative
  • Specific to the right/provision being waived

15.4 Assignment

Your Rights:

You may NOT:

  • Assign these Terms
  • Transfer your account
  • Delegate your obligations

Without our prior written consent.

Our Rights:

We may assign these Terms:

  • To affiliates or subsidiaries
  • In connection with merger or acquisition
  • In connection with sale of assets
  • To any third party

Without your consent or notice.

Effect: Assignment does not affect your rights under these Terms.

15.5 Force Majeure

No Liability for Events Beyond Control:

We are not liable for failure or delay in performance due to circumstances beyond our reasonable control, including:

  • Natural disasters (earthquakes, floods, fires)
  • War, terrorism, civil unrest
  • Government actions or restrictions
  • Strikes or labor disputes
  • Pandemic or epidemic
  • Internet or telecommunications failures
  • Power outages
  • Cyberattacks or security incidents
  • Acts of God

Duration: Our obligations are suspended during force majeure event and for reasonable recovery period.

15.6 Relationship of Parties

Independent Contractors:

You and iSpeak-Up are independent contractors.

These Terms do NOT create:

  • Partnership
  • Joint venture
  • Employment relationship
  • Agency relationship
  • Franchise relationship

No Authority:

Neither party has authority to:

  • Bind the other party
  • Incur obligations on behalf of other party
  • Make representations for other party

15.7 Third-Party Rights

No Third-Party Beneficiaries:

These Terms are for the sole benefit of you and iSpeak-Up.

No third party has:

  • Rights under these Terms
  • Ability to enforce these Terms
  • Beneficiary status

Exception: Our affiliates, officers, directors, employees, and agents are third-party beneficiaries of indemnification and limitation of liability provisions.

15.8 Language

Official Language:

These Terms are drafted in English.

Translations:

  • Greek translation available at: [Link to Greek version]
  • Other language translations may be provided for convenience
  • In case of conflict: Greek version prevails (as required by Greek law)
  • English version used for interpretation where Greek version unclear

15.9 Notices

How to Contact Us:

All legal notices to iSpeak-Up must be sent to:

Legal Department
Email: legal@ispeak-up.com
Address: [Your Full Greece Address]
Attn: Legal Notices

How We Contact You:

We will send notices to:

  • Email address on your account
  • Physical address if provided
  • In-app notification
  • Website announcement

Effective Date:

  • Email notices: Effective when sent
  • Postal mail: Effective 3 business days after mailing
  • In-app: Effective when displayed

15.10 Survival

Provisions That Continue:

The following provisions survive termination of these Terms:

  • Intellectual Property Rights
  • User Content Licenses
  • Disclaimers and Limitations of Liability
  • Indemnification
  • Dispute Resolution
  • Governing Law
  • Payment Obligations
  • Any provisions that by nature should survive

15.11 Headings

Section headings are for convenience only and do not:

  • Affect interpretation
  • Have legal significance
  • Limit scope of sections

15.12 Electronic Communications

Agreement to Electronic Delivery:

You consent to receive communications electronically, including:

  • Agreements and policies
  • Notices and disclosures
  • Invoices and receipts
  • Marketing messages (if opted in)

Legal Effect: Electronic communications satisfy legal requirements for written communications.

Withdraw Consent: Contact support@ispeak-up.com (may limit Service access).

15.13 Mobile Application Terms

If Using Mobile App:

Additional terms apply:

App Store Terms:

  • Subject to Apple App Store Terms of Service (iOS)
  • Subject to Google Play Terms of Service (Android)
  • App store terms supplement these Terms

Device Requirements:

  • Compatible device required
  • Internet connection necessary
  • Updates may be required for continued use
  • Data charges may apply

Permissions: By installing the app, you grant permissions for:

  • Camera (for profile photos, if applicable)
  • Microphone (for speaking exercises)
  • Storage (for offline downloads)
  • Notifications (for course updates)

You can revoke permissions in device settings (may limit functionality).

Third-Party Fees:

  • We don’t charge for app download
  • Mobile carrier data fees apply
  • In-app purchases available

15.14 Feedback and Suggestions

Voluntary Feedback:

If you provide feedback, suggestions, or ideas:

  • You grant us unlimited, perpetual, royalty-free license
  • We may use without compensation or attribution
  • We have no obligation to use or respond
  • You represent you have right to provide feedback

No Confidentiality: Do not submit confidential information as feedback.

16. Specific Greek Legal Requirements

16.1 Greek Tax Information (Repeated for Emphasis)

Company Registration:

As required by Greek law, our full company details:

Legal Entity: iSpeak-Up [IKE/AE/EPE/etc.]
AFM (Tax ID): [Your 9-digit AFM]
DOY (Tax Office): [Your Tax Office]
GEMI No.: [Your GEMI Number]
Legal Address: [Full Registered Address]
Share Capital: [If applicable – for AE companies]
VAT Number: EL[Your VAT Number]

16.2 Greek Consumer Protection Compliance

Under Greek Law 2251/1994:

Information Requirements:

We provide:

  • Clear product descriptions
  • Total price including all taxes
  • Payment and delivery terms
  • Right of withdrawal information
  • Complaint handling procedures
  • After-sales service information

Unfair Terms Prohibition:

Terms that are unfair under Greek consumer protection law are void.

Good Faith Requirement:

We operate in good faith and with transparency toward consumers.

16.3 Distance Selling Requirements

As Required by Greek Presidential Decree 131/2003:

Pre-Contractual Information:

Before purchase, we provide: ✅ Company identity and contact details
✅ Main characteristics of services
✅ Price including taxes
✅ Delivery arrangements
✅ Payment methods
✅ Right of withdrawal terms
✅ Complaint procedures
✅ Duration of contract

Confirmation:

Purchase confirmation sent within 24 hours including:

  • Order details
  • Invoice
  • Right of withdrawal information
  • Customer service contact

16.4 Greek E-Commerce Law Compliance

Under Greek Law 3471/2006 (E-Commerce):

Website Information:

Our website displays:

  • Company name and legal form
  • Registered address
  • Contact email and phone
  • VAT number
  • Trade register details
  • Professional association (if applicable)
  • Supervisory authority (if applicable)

Order Process:

  • Clear order steps
  • Ability to correct errors before final order
  • Order confirmation
  • Archive of terms available

16.5 Greek Data Protection Authority

Supervisory Authority:

Hellenic Data Protection Authority (HDPA)
Address: Kifissias Ave. 1-3, 11523 Athens, Greece
Phone: +30 210 6475 600
Email: contact@dpa.gr
Website: www.dpa.gr

Your Rights:

  • File complaints about data processing
  • Request investigation
  • Seek enforcement of GDPR rights

17. Contact Information and Customer Support

17.1 Contact Methods

General Inquiries:
Email: info@ispeak-up.com
Phone: +30 [Your Phone Number]
Hours: Monday-Friday, 9:00-18:00 (EET/EEST)

Customer Support:
Email: info@ispeak-up.com
Live Chat: Available on website (9:00-21:00 EET/EEST)
Support Portal: [Your Support Portal URL]

Legal Matters:
Email: info@ispeak-up.com
Address: [Your Legal Department Address]

Refunds and Billing:
Email: info@ispeak-up.com | info@ispeak-up.com

Data Protection Officer:
Email: info@ispeak-up.com

Technical Issues:
Email: info@ispeak-up.com

Security Concerns:
Email: info@ispeak-up.com

Copyright Issues:
Email: info@ispeak-up.com

Press and Media:
Email: info@ispeak-up.com

17.2 Mailing Address

iSpeak-Up [Legal Entity]
[Street Address]
[Postal Code] [City]
Greece

17.3 Response Times

Support Tickets:

  • Basic Plan: 48 hours
  • Pro Plan: 24 hours
  • Ultimate Plan: 4 hours (24/7 for urgent issues)

Legal Inquiries: 5-7 business days

Refund Requests: 2-3 business days for review

GDPR Data Requests: 30 days (may extend to 60 days for complex requests)

17.4 Complaint Procedure

Internal Complaint Process:

  1. Submit Complaint: Email info@ispeak-up.com
  2. Include: Account details, issue description, desired resolution
  3. Acknowledgment: Within 48 hours
  4. Investigation: 5-10 business days
  5. Resolution: Proposed solution or explanation
  6. Escalation: Request supervisor review if unsatisfied

External Complaint Options:

If unresolved internally:

18. Acknowledgment and Acceptance

18.1 Confirmation of Understanding

By creating an account, accessing our Services, or clicking “I Agree,” you acknowledge that:

✅ You have read these Terms in full
✅ You understand your rights and obligations
✅ You agree to be legally bound by these Terms
✅ You have read our Privacy Policy, Cookie Policy, and Refund Policy
✅ You meet eligibility requirements (age, legal capacity)
✅ You will comply with all applicable laws
✅ You understand the right of withdrawal and its exceptions
✅ You consent to electronic communications
✅ You acknowledge limitations of liability
✅ You agree to dispute resolution procedures

18.2 Parental Consent (For Minors)

If You Are a Parent/Guardian:

By allowing your child (under 18) to use our Services, you:

✅ Accept these Terms on their behalf
✅ Supervise their account usage
✅ Take responsibility for their activities
✅ Consent to collection of their data as described in Privacy Policy
✅ Understand you are financially responsible
✅ Agree to monitor their interactions

Parent/Guardian Information:

Name: _______________________
Relationship: _______________________
Email: _______________________
Date: _______________________

18.3 Record of Acceptance

We maintain records of:

  • Date and time of acceptance
  • IP address
  • Version of Terms accepted
  • Method of acceptance (checkbox, click, etc.)

Access Your Record: Request copy at info@ispeak-up.com

19. Additional Resources

19.1 Related Policies

Please Review:

📄 Privacy Policy – How we collect and use your data
[Link to Privacy Policy]

📄 Terms and Condition – Our use of cookies and tracking
[Link to Terms and Condition]

📄 Refund and Return Policy – Cancellation and refund terms
[Link to Refund Policy]

19.2 Help Center

Find Answers:

  • FAQ: [Link to FAQ]
  • Getting Started Guide: [Link]
  • Video Tutorials: [Link]
  • Technical Requirements: [Link]
  • Billing Help: [Link]

19.3 Legal Resources

For Your Reference:

Greek Consumer Protection:

EU Consumer Rights:

  • Your Europe Portal: europa.eu/youreurope
  • EU Consumer Centre Greece: www.eccgreece.gr

Data Protection:

19.4 Accessibility

Commitment to Accessibility:

We strive to make our Services accessible to all users.

Accessibility Features:

  • Screen reader compatibility
  • Keyboard navigation
  • Closed captions on videos
  • Adjustable text size
  • High contrast mode

Report Issues: info@ispeak-up.com

20. Version History

Current Version: 1.0
Effective Date: October 12, 2025
Last Updated: October 12, 2025

Previous Versions:

  • Version 1.0 – October 12, 2025 (Initial version)

Archive: Previous versions available at info@ispeak-up.com

Document Summary

Document Type: Terms and Conditions / Terms of Service
Applicable to: All users of iSpeak-Up Services
Governing Law: Greek Law and EU Law
Jurisdiction: Athens, Greece (consumers may also sue in residence)
Language: English (Greek translation available)
Contact: info@ispeak-up.com

Quick Reference Checklist

Before You Start Using Our Services:

  • Read these Terms completely
  • Review Privacy Policy
  • Review Refund Policy
  • Understand your EU consumer rights
  • Confirm you meet age requirements
  • Have parental consent if under 18
  • Understand right of withdrawal and exceptions
  • Know how to contact support
  • Understand payment and billing terms
  • Agree to be bound by these Terms

Final Statement

These Terms and Conditions constitute a legally binding agreement between you and iSpeak-Up.

By using our Services, you confirm that you:

  1. Have read and understood all provisions
  2. Agree to comply with all terms
  3. Accept the limitations and exclusions herein
  4. Understand your rights and remedies
  5. Acknowledge this is the complete agreement

Questions? Contact us at info@ispeak-up.com

Thank you for choosing iSpeak-Up for your educational journey!

IMPORTANT NOTICE:

🇬🇷 Greek Version Available: [Link to Greek translation]
🇪🇺 EU Consumer Rights: Fully protected under EU law
📱 Save a Copy: Download PDF version for your records
✉️ Stay Informed: We’ll email you about important changes

iSpeak-Up
Empowering Education, Respecting Your Rights

Last Updated: October 12, 2025
Version: 1.0
Document ID: TC-ISPEAK-2025-V1

© 2025 iSpeak-Up. All rights reserved.

 

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