Welcome to Market Dynamics Lab. By accessing and using our website, services, and materials, you agree to comply with the following Terms of Use. These terms govern your access to our platform and define the rights, responsibilities, and limitations between you and Market Dynamics Lab. If you do not agree with these terms, you should discontinue use of our website immediately.

1. General Conditions
Market Dynamics Lab provides educational content, online programs, and related materials for informational and learning purposes. By using our website, you confirm that you are of legal age in your country of residence and that you will use the content solely for lawful and personal purposes. We reserve the right to refuse service, suspend accounts, or restrict access to our materials if these terms are violated.

2. Intellectual Property Rights
All materials, including text, design, structure, layout, and multimedia content, are the property of Market Dynamics Lab or its authorized licensors. Unauthorized copying, reproduction, modification, or distribution of any material is strictly prohibited. You may use materials only for personal, non-commercial learning purposes and must not reproduce them in any form without prior written permission.

3. User Responsibilities
Users are expected to maintain respectful and lawful conduct while engaging with our website or learning programs. It is your responsibility to ensure that any personal data you provide is accurate and up to date. You agree not to attempt to interfere with the functionality, security, or accessibility of the website.

4. Data Protection and Privacy
Your privacy is important to us. We process personal information in accordance with our Privacy Policy, which explains how data is collected, used, and protected. By using our services, you consent to this data processing and agree that the information you provide may be stored and used as described.

5. Modification of Services and Terms
Market Dynamics Lab reserves the right to update or modify any part of its website, services, or these Terms of Use at any time. Updates become effective immediately upon publication. Users are encouraged to review the terms regularly to stay informed about any changes. Continued use of our services following modifications indicates acceptance of the revised terms.

6. Limitation of Liability
Market Dynamics Lab strives to maintain the accuracy and quality of its materials; however, we do not guarantee that all content will always be complete or error-free. We are not liable for any direct or indirect damages, losses, or inconveniences that may arise from the use or inability to use our services or materials.

7. Termination of Access
We reserve the right to terminate or suspend access to our website and services without notice if a user violates these terms or engages in misuse. Upon termination, your right to use our services will immediately cease, and any materials obtained must be deleted from your possession.

8. Service Disclaimer
All educational materials and programs provided by Market Dynamics Lab are intended solely for informational and academic purposes. We do not provide any guarantees regarding specific outcomes, performance, or interpretations derived from our materials. The content is not a substitute for professional advice, consultation, or certification. Each participant is responsible for how they choose to apply the knowledge acquired through our programs.

9. Refund Policy
Our refund policy is designed to ensure fairness and transparency. Refund requests may be considered within 14 days of purchase, provided that the course or program has not been fully accessed or completed. Once digital materials are downloaded or learning sessions are attended, refunds cannot be issued. All requests must be submitted in writing to our support team. Processing time for approved refunds may take up to 10 business days.

10. Contact Information
For all questions, concerns, or requests regarding these Terms of Use, please contact us at:
support@marketdynlab.com