Last updated: February 27, 2026
These Terms and Conditions ("Terms") govern your access to and use of the websites, applications, courses, digital products, community features, and all other services (collectively, the "Services") operated by 92Combo, a company registered in Amsterdam, the Netherlands, trading as 92learns ("92learns," "we," "us," or "our"). Please also review our Privacy Policy, which describes how we collect and process your personal data.
92learns provides a creative education platform that includes:
To access certain features of the Services, you must create an Account. When creating an Account, you agree to:
We reserve the right to suspend or terminate any Account that we reasonably believe contains inaccurate information or has been compromised.
The Services are available to individuals of all ages. However, if you are under the age of 16, you must have verifiable consent from a parent or legal guardian before creating an Account or using the Services. By using the Services, you represent that you meet these eligibility requirements. We reserve the right to request proof of parental consent and to terminate Accounts where consent cannot be verified.
All payments are processed securely by our third-party payment processor, Paddle.com Market Limited ("Paddle"), which acts as the Merchant of Record for all transactions. Paddle handles billing, tax calculation, and payment processing on our behalf. We do not have access to, store, or process your full payment card details at any time.
All prices displayed at checkout are final and inclusive of applicable taxes. We utilize Purchasing Power Parity (PPP) pricing, meaning prices may vary based on your geographic location. The price shown at your checkout is the price you pay. We reserve the right to change pricing at any time, but price changes will not affect purchases already completed.
Some Services are offered on a recurring subscription basis. The subscription fee, billing cycle, and included features will be clearly stated before you subscribe. We will notify you of any changes to subscription fees at least 30 days in advance. You may cancel your subscription at any time; cancellation takes effect at the end of the current billing period.
Upon successful payment, you will receive immediate access to the purchased Course(s) or Digital Product(s). By completing a purchase, you expressly consent to the immediate delivery of digital content and acknowledge that this may affect your right of withdrawal under applicable consumer protection laws (see Section 6).
We offer a 30-day money-back guarantee on all course purchases, subject to the following conditions:
Due to their immediately downloadable nature, Digital Products are non-refundable once the download has been initiated. This is in accordance with Article 16(m) of EU Directive 2011/83/EU regarding the supply of digital content.
Subscription payments already processed are non-refundable. You may cancel your subscription at any time to prevent future charges.
To request a refund, contact us at support@92learns.com with your order number and the reason for your request. Approved refunds will be processed within 5-10 business days and credited to the original payment method.
Under EU consumer protection law, you have a 14-day right of withdrawal for online purchases. However, by purchasing a Course or Digital Product and consenting to immediate access/delivery, you acknowledge and agree that you waive your right of withdrawal once the digital content has been accessed or downloaded. This waiver is provided in accordance with Article 16(m) of EU Directive 2011/83/EU.
All Content provided through the Services - including but not limited to video lessons, course materials, design templates, images, graphics, text, software, and the overall look and feel of the platform - is the exclusive property of 92Combo or its licensors and is protected by copyright, trademark, and other intellectual property laws of the Netherlands, the European Union, and international treaties.
Upon purchase, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use the purchased Content solely for your personal, non-commercial learning purposes. This license does not include any right to:
By submitting User Content to the platform (such as community posts, comments, or uploaded files), you grant 92learns a worldwide, non-exclusive, royalty-free, sublicensable license to use, display, reproduce, and distribute your User Content in connection with operating and improving the Services. You retain ownership of your User Content and may delete it at any time. You represent that you have all necessary rights to grant this license and that your User Content does not infringe any third-party rights.
If you believe that any Content on our platform infringes your copyright, please contact us at support@92learns.com with a detailed description of the alleged infringement. We will investigate and take appropriate action in accordance with applicable law.
You agree not to:
If you participate in any community features of the Services, you agree to:
Violations of community guidelines may result in warnings, temporary suspension, or permanent termination of your Account at our sole discretion.
By creating an Account, you consent to receive communications from us, including:
For more details on how we handle your data, see our Privacy Policy.
You may close your Account at any time by contacting us at support@92learns.com. Upon Account closure, your access to purchased Courses and community features will be terminated. Termination does not entitle you to a refund for prior purchases.
We reserve the right to suspend or terminate your Account, without prior notice, if you:
Upon termination, your right to access the Services ceases immediately. Sections of these Terms that by their nature should survive termination (including Intellectual Property, Limitation of Liability, Indemnification, and Dispute Resolution) will remain in effect.
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that:
Our Courses provide educational content and creative skill development. Results depend on individual effort, prior experience, and practice. We do not guarantee employment, income, or any specific professional outcome.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, 92LEARNS, 92COMBO, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES.
OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE, FRAUD, OR FRAUDULENT MISREPRESENTATION.
You agree to indemnify, defend, and hold harmless 92learns, 92Combo, and their officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with:
Before initiating any formal proceedings, you agree to first contact us at support@92learns.com and attempt to resolve the dispute informally for at least 30 days.
These Terms are governed by and construed in accordance with the laws of the Netherlands, without regard to conflict of law principles. If you are a consumer in the European Economic Area (EEA), you also benefit from any mandatory provisions of the consumer protection laws of your country of residence.
Any disputes that cannot be resolved informally shall be submitted to the exclusive jurisdiction of the courts of Amsterdam, the Netherlands. If you are a consumer in the EEA, you may also bring proceedings in the courts of your country of residence.
If you are a consumer in the EU, you may use the European Commission's Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.
If you initiate a payment dispute or chargeback through your bank or payment processor, we reserve the right to provide evidence including access logs, usage records, and these Terms to contest the claim. We encourage you to contact us directly first, as most issues can be resolved quickly and amicably.
The Services may contain links to or integrations with third-party websites, services, or content that are not owned or controlled by us. We are not responsible for the content, privacy policies, or practices of any third-party services. Your interactions with third-party services are governed by their respective terms and policies.
We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last updated" date at the top of this page and, where required by law, notify you by email or through a prominent notice on our website. Your continued use of the Services after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree with the changes, you must stop using the Services.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and 92learns regarding your use of the Services and supersede all prior agreements, understandings, and communications, whether written or oral.
If you have any questions about these Terms, please contact us: