Privacy and Refund Policy of the educational VR platform Virtual Education

The following types of personal data are subject to collection, storage, and use:

• Information about your computer, including your IP address, geographical location, browser type and version, and operating system;
• Information about your visits to and use of this website, length of visits, page views, and website navigation paths;
• Information about your email address, which you provided to register on our website;
• Information you entered while using the services on our website;
• Information generated while using our website, including information about the time, frequency, and conditions of its use;
• Information regarding any of your purchases, services used, or transactions conducted through our website, including your name, address, phone number, email address, and credit card information;
• Information you posted on our site with the intention of publishing it on the Internet, including your username, profile pictures, and the content of your posts;
• Information contained in any communications you sent us via email or through our website, including the communication content and metadata;
• Any other personal information you sent us.

Before disclosing another person's personal information to us, you must obtain that person's consent to both the disclosure and the processing of that information in accordance with these rules.

Personal information provided to us through our website will be used for the purposes specified in these rules or on the relevant pages of the website. We may use your personal information for the following purposes:

• administering our website and business;
• personalizing our website for you;
• enabling your use of the services available on our website;
• providing you with services purchased through our website;
• sending you statements, invoices, and payment reminders, and collecting payments from you;
• sending you non-marketing commercial communications;
• sending you email notifications that you have specifically requested;
• handling inquiries and complaints made by or about you relating to our website;
• maintaining our website's security and preventing fraud;
• and for other purposes.

If you submitted personal information for publication on our website, we will publish it. Otherwise, we will use this information in accordance with the license you granted us.

We reserve the right to disclose your personal information to any of our employees, officers, partners, insurers, professional advisers, agents, suppliers, or subcontractors, in the scope and for the purposes defined in these rules.

We reserve the right to disclose your personal information to any member of our group of companies (this includes our subsidiaries, our ultimate holding company, and all its subsidiaries) in the scope and for the purposes defined in these rules.

We reserve the right to disclose your personal information:

• in cases where we are required to do so by law;
• in connection with any ongoing or prospective legal proceedings;
• to establish, exercise, or defend our legal rights (including providing information to others for the purposes of fraud prevention or reducing credit risk);
• to the buyer (or prospective buyer) of any business or asset that we are selling (or contemplating selling);
• and to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or competent authority would be reasonably likely to order disclosure of that personal information.

Except as provided in these rules, we will not disclose your personal information to third parties.

Information that we collect may be stored, processed, and transferred between any of the countries in which we operate to enable us to use the information in accordance with these rules.

Personal information that you publish on our website via the Internet may be available around the world. We cannot prevent its use or misuse for criminal purposes by others.

By agreeing to these rules, you consent to the transfer of your personal information specified in the previous sections.

This section sets out the company's rules and procedures regarding the retention of personal information. These rules and procedures are designed to ensure that we comply with our legal obligations regarding the retention and deletion of personal information.

Personal information that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

We will take reasonable technical and organizational precautions to prevent the loss, misuse, or alteration of your personal information.

We will store all personal information you provide on our secure (password- and firewall-protected) servers.

All electronic financial transactions entered into through our website will be protected by data encryption technology.

You acknowledge that the transmission of information over the Internet is inherently insecure, and we cannot guarantee the security of data sent over the Internet.

You are fully responsible for keeping your password for accessing our website confidential. We will never ask you for your password (except when you attempt to log in to your account on our website).

We reserve the right to periodically make changes and amendments to these rules and to publish their new version on our website. You should check this page occasionally to ensure you understand any changes made to these rules. We may also notify you of changes to these rules by email or through the private messaging system on our website.

You may instruct us to provide you with any personal information we hold about you.

We reserve the right to withhold information you request to the extent permitted by law.

Our website contains hyperlinks to and details about websites of third-party companies and individuals. We have no control over and are not responsible for the privacy policies and practices of third parties in this area.

Our website uses cookies. A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server. Cookies may be either "persistent" cookies or "session" cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed. Cookies typically do not contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

This section establishes the terms, conditions, and procedures for refunds and the cancellation of payment transactions for paid digital access to interactive educational courses, VR models (virtual reality), lecture notes, and training materials provided by the Virtual Education platform (https://ved.com.ua).

1. Reservation of the right to withhold refunds (Non-refundable digital access policy):

Because access to the digital content and educational VR materials of the Platform is granted to the User immediately in full upon payment confirmation by the payment gateway, the Platform Administration expressly reserves the right not to issue refunds (purchases are non-refundable). By completing a purchase on the Site, the User confirms that they have been informed of this condition in advance and provide unconditional consent that digital services are deemed rendered in full at the moment digital access is granted (in accordance with applicable consumer protection regulations governing exceptions to the right of contract withdrawal when the performance of digital content or services has begun with the consumer's prior express consent).

2. Exceptional cases for refund review:

• Technical failures on the Platform's side resulting in the purchased course or materials not being activated after successful billing, provided our technical support team fails to resolve the issue within 72 hours of receiving written notice from the User;
• Erroneous duplicate billing transactions (multiple charges for the same order). In such cases, the redundantly charged amount will be refunded to the payer in full.

3. Circumstances under which refunds are strictly not granted:

• The User has already accessed, opened, viewed, or completed any part of the course materials or VR scenes (confirmed consumption of digital services);
• More than 14 (fourteen) calendar days have elapsed since the date of payment;
• The inability to use the service is caused by the User's personal hardware, operating system, browser, or internet connection not meeting the platform's minimum technical requirements;
• The User's account access was terminated due to a violation of the Site's Terms of Use (unauthorized copying, distribution of content to third parties, attempts to bypass platform security).

4. Transaction cancellation and review procedure:

To request review under the exceptional circumstances outlined above, the User must submit a written inquiry to our official support email: virtual.education.vr@gmail.com with the subject line 'Transaction Cancellation Request [Order ID / Email]'. The email must include the payer's full name, date, transaction amount, a description of the issue, and a copy of the WayForPay receipt. Requests are reviewed by the Administration within 3 to 5 business days.

5. Payout method and timelines:

Upon approval, refunds are issued exclusively via the WayForPay payment gateway back to the original bank card used for the transaction. Cash refunds or transfers to third-party accounts are strictly prohibited for security and anti-fraud compliance. The time required for the funds to reflect in the payer's account depends on the issuing bank's policies, typically ranging from 1 to 5 banking days.