Legal & Policies

Terms & Conditions

These terms govern use of all Passco360 services operated by Adenat Solutions. Please read carefully before using our platform.

PASSCO360 GENERAL TERMS AND CONDITIONS

Terms Applicable to All Users

These General Terms and Conditions govern the use of Passco360 by students, parents, guardians, tutors, instructors, schools, school staff, platform staff, administrators, and other authorised users.

Effective Date: 1st Jan 2026

Last Revised: 29 July 2026

1. ABOUT PASSCO360

Passco360 is a digital educational platform operated by Adenat Solutions & Enterprise, a business registered under the laws of the Republic of Ghana.

In these Terms:

“Passco360,” “we,” “us,” or “our” refers to Adenat Solutions & Enterprise and the Passco360 platform;
“Platform” refers to the Passco360 website, applications, dashboards, school portals, virtual classrooms, assessment tools, payment tools, communication systems, and related services.

The following information should be inserted before these Terms are published:

Business Name: Adenat Solutions & Enterprise

Registered Address: Accra, Ghana

Official Support Email: passco360official@gmail.com

Official Telephone Number: +233 545 138 148

2. ACCEPTANCE OF THESE TERMS

By creating an account, checking an acceptance box, enrolling in a class, joining a school, linking a learner, making a payment, teaching a class, uploading content, or otherwise using Passco360, you agree to these Terms.

You should not use Passco360 where you do not agree to these Terms.

Where a user is below the age at which they may independently enter into a legally binding agreement, the user must access Passco360 with the consent or involvement of a parent, guardian, school, or other authorised adult.

A parent, guardian, school, or authorised representative who creates or manages an account for a learner confirms that they have the authority to do so.

3. OTHER AGREEMENTS AND POLICIES

These General Terms apply together with other Passco360 agreements and policies, including, where applicable:

The Passco360 Privacy Policy;
The Tutor Contractor Agreement;
The Tutor Code of Conduct;
The Child Safeguarding Policy;
School Subscription or Service Agreements;
Class-specific terms;
Private-booking terms;
Refund and Cancellation Policies;
Payment-provider terms;
Community Guidelines; and
Any additional terms displayed before a user purchases or accepts a particular service.

3.1 Order of Priority

Where two terms conflict, the following order applies:

A separately signed school, institutional, sponsorship, or commercial agreement governs the service covered by that agreement;
The Tutor Contractor Agreement governs tutor commission, tutor earnings, payout eligibility, tutor obligations, and the independent-contractor relationship;
Class, booking, subscription, or purchase-specific terms govern the relevant transaction;
The Privacy Policy governs the collection and processing of personal information; and
These General Terms govern all other aspects of using Passco360.

4. DEFINITIONS

In these Terms:

“Account” means a registered Passco360 user profile.

“Authorised User” means a person who has permission to access a particular account, class, school, portal, resource, or service.

“Class” means a live, recorded, self-paced, group, private, school-assigned, free, paid, revision, bootcamp, or professional learning programme provided through Passco360.

“Content” means questions, answers, notes, recordings, videos, images, documents, assignments, submissions, comments, messages, whiteboard content, assessments, class materials, and any other material uploaded, created, transmitted, or accessed through Passco360.

“Exam Preparation” means past questions, mock examinations, practice questions, revision resources, assessment tools, marking tools, explanations, and performance analytics.

“Free Class” means a tutor-hosted class for which learners are not charged an enrolment or participation fee.

“Live Class” means a real-time teaching, learning, conference, assessment, or communication session hosted through Passco360.

“Parent” or “Guardian” means an authorised adult who links to, supports, pays for, or monitors a learner.

“Platform Staff” means authorised employees, contractors, support personnel, managers, moderators, developers, compliance personnel, and administrators who manage Passco360.

“School” means a school, training centre, educational organisation, institution, professional body, or other approved educational provider using Passco360.

“School Staff” means an authorised teacher, administrator, bursar, head of department, counsellor, librarian, or other person connected to a school account.

“Student” or “Learner” means a person who uses Passco360 for exam preparation, school learning, private tutoring, classes, bootcamps, professional courses, or other educational services.

“Tutor” or “Instructor” means an approved user who teaches, hosts classes, accepts private bookings, assesses learners, uploads educational resources, or earns income through teaching on Passco360.

“User” means anyone who accesses or uses Passco360.

“User Content” means Content uploaded, created, shared, or transmitted by a User.

5. ELIGIBILITY

A User may use Passco360 only where:

The User is legally permitted to use the Platform;
Information supplied during registration is accurate;
The User is not prohibited from using the Platform under applicable law;
The User has the required parent, guardian, school, or institutional authorisation where applicable; and
The User complies with these Terms.

Passco360 may establish additional eligibility requirements for:

Tutors;
School administrators;
School staff;
Parent or guardian access;
Payment recipients;
Platform staff;
Users who work with minors; and
Users accessing restricted educational resources.

6. CHILDREN AND YOUNG USERS

Passco360 provides services that may be used by children and young learners.

A learner who is not legally able to independently accept these Terms must use Passco360 with the consent or involvement of:

A parent;
A legal guardian;
A school;
An authorised teacher; or
Another adult who is legally authorised to act for the learner.

Parents, guardians, schools, and tutors must act in the best interests of learners and comply with Passco360’s safeguarding requirements.

Passco360 may request proof of:

Parental or guardian authority;
A school relationship;
A learner’s identity;
A tutor’s identity;
A tutor’s qualifications; or
Another relationship required to protect the learner.

7. ACCOUNT REGISTRATION

Users must provide accurate, complete, and current information during:

Registration;
Onboarding;
Profile creation;
School joining;
Tutor application;
Parent linking;
Payment setup;
Identity verification; and
Role selection.

A User must not:

Create an account using false information;
Impersonate another person;
Create an account for a person without authorisation;
Use another person’s identity documents;
Create multiple accounts to avoid restrictions;
Provide false qualifications;
Misrepresent a school relationship; or
Use an account obtained through fraud.

Passco360 may require verification before allowing access to particular features.

8. ACCOUNT SECURITY

Users are responsible for protecting their login credentials.

Users must:

Use a secure password;
Keep verification codes confidential;
Avoid sharing account access;
Log out of shared or public devices;
Promptly report suspected unauthorised access; and
Keep registered contact and payment information current.

Users must not sell, rent, transfer, lend, or share their accounts with unauthorised persons.

Passco360 may temporarily restrict an account where unauthorised access or account compromise is suspected.

9. USER ROLES AND PERMISSIONS

Passco360 supports different user roles. Each role has different permissions.

A User may only access information and perform actions permitted for their assigned and verified role.

Possession of a link, URL, login credential, or technical ability to access a page does not grant permission to access that page.

Users must not attempt to bypass:

Role restrictions;
Payment restrictions;
School approval;
Tutor approval;
Enrolment requirements;
Parent-verification controls;
Administrative permissions; or
Security protections.

10. STUDENTS AND LEARNERS

Students may use Passco360 to:

Practise past questions;
Take mock examinations;
Join online classes;
Join approved school portals;
Submit assignments;
Access notes and resources;
Attend live classes;
Receive tutor feedback;
View attendance and performance information;
Book private tutoring where permitted; and
Use other approved learning tools.

Students must not:

Cheat or assist another person to cheat;
Manipulate grades, scores, attendance, or submissions;
Impersonate another learner;
Share answers during a restricted assessment;
Disrupt live classes;
Abuse tutors or other learners;
Record classes without permission;
Share restricted educational content;
Gain unauthorised access to another User’s data; or
Use Passco360 for unlawful purposes.

11. PARENTS AND GUARDIANS

Parents and guardians may, where authorised:

Link one or more children or wards;
View attendance;
Monitor assignments and assessment performance;
View enrolled classes;
Receive school or tutor updates;
Review learning progress;
Make payments; and
Manage invitations for learners who do not yet have accounts.

A parent or guardian may only access information relating to a learner whom they are authorised to support.

11.1 Existing Student Accounts

Where a learner already has a Passco360 account, parent access may require:

An invitation;
Learner approval;
School confirmation;
Identity verification;
Parent or guardian verification; or
Another appropriate approval process.

11.2 Invited Student Profiles

Where a parent or guardian adds a learner who does not yet have a Passco360 account, the Platform may create a pending or invited learner profile.

The learner may be required to activate the account, verify their email address, or complete additional onboarding before gaining full access.

11.3 Restrictions on Parent Access

A parent or guardian must not:

Access an unrelated learner’s data;
Misrepresent their relationship with a learner;
Use learner data for an unrelated purpose;
Share private learner records without authority; or
Use monitoring features to harass or endanger a learner.

Passco360 may suspend parent access while a relationship or consent dispute is investigated.

12. TUTORS AND INSTRUCTORS

Approved tutors may, subject to their permissions:

Create and manage classes;
Set class prices where permitted;
Accept one-on-one private bookings;
Host live sessions;
Upload educational resources;
Create assignments and quizzes;
Assess learners;
Review submissions;
Record attendance;
Provide feedback;
Facilitate mock examinations;
Participate in school-assigned classes; and
Receive eligible earnings.

Tutors must:

Provide truthful qualifications and experience information;
Maintain professional boundaries;
Provide accurate and appropriate educational content;
Attend accepted classes and bookings;
Accurately record attendance;
Protect learner information;
Comply with safeguarding requirements;
Avoid discriminatory, abusive, exploitative, or misleading conduct; and
Comply with the Tutor Contractor Agreement and Tutor Code of Conduct.

Approval as a tutor does not guarantee any minimum number of learners, classes, bookings, or earnings.

13. SCHOOLS AND SCHOOL ADMINISTRATORS

Schools may use Passco360 to:

Manage students and staff;
Assign roles and permissions;
Host classes;
Upload resources;
Track attendance;
Manage assessments and assignments;
Review learning information;
Communicate with parents;
Collect or manage payments where enabled; and
Operate a school portal.

A school is responsible for ensuring that:

It has authority to upload student and staff information;
Its staff permissions are appropriate;
Its student records are accurate;
Its fees are lawful and properly communicated;
Its users follow applicable school policies;
Its representatives do not misuse learner information; and
It obtains any consent or authorisation required for the school’s use of Passco360.

Passco360 may rely on instructions provided by an authorised school administrator unless Passco360 has reasonable grounds to believe that the instruction is unauthorised or unlawful.

14. SCHOOL STAFF

School staff may access only the functions permitted by their school role.

School staff must not:

Access records outside their assigned duties;
Change grades without authority;
Download learner data for an unrelated purpose;
Share login credentials;
Export school records without approval;
Misuse payment information;
Impersonate another staff member; or
Use school access after their authority has ended.

Schools are responsible for promptly removing or changing staff access when a staff member’s responsibilities change or employment ends.

15. PLATFORM STAFF AND ADMINISTRATORS

Authorised Platform Staff may access information where reasonably necessary to:

Operate the Platform;
Provide support;
Process payments;
Investigate complaints;
Moderate Content;
Protect children;
Prevent fraud;
Maintain security;
Resolve technical issues;
Comply with legal obligations; or
Enforce these Terms.

Platform Staff must use administrative access only for authorised purposes.

Administrative access does not give a staff member permission to use User information for personal, commercial, or unrelated purposes.

16. LEARNING SPACES AND ACCESS CONDITIONS

Passco360 may provide different learning spaces, including:

Exam Preparation;
Classes and Tutors;
School Portals;
Private Tutor Classes;
One-on-One Bookings;
Bootcamps;
Professional Courses;
Mock Examinations; and
Other learning programmes.

Access may depend on:

Registration;
Role approval;
Enrolment;
Payment;
Subscription status;
School approval;
Parent approval;
Tutor approval;
Invitation;
Geographic availability; or
Compliance with other access requirements.

Passco360 may restrict access where a User does not meet the applicable conditions.

17. LIVE CLASSES AND VIRTUAL CLASSROOMS

Live Classes are provided for teaching, learning, assessment, discussion, conferencing, and related educational activities.

Users must behave professionally and respectfully.

Users must not:

Deliberately disrupt a class;
Display offensive or harmful material;
Share an unauthorised meeting link;
Abuse microphones, cameras, chat, screen sharing, or whiteboards;
Impersonate another participant;
Attempt to remove or control another User without authority;
Interfere with classroom security;
Record a session without permission; or
Use a Live Class for an unlawful activity.

Tutors, schools, and authorised hosts may:

Control classroom entry;
Mute participants;
Remove disruptive participants;
Restrict communication tools;
Share educational resources;
Manage recordings where permitted; and
End the session.

Students may only attend Live Classes for which they are enrolled or otherwise authorised.

18. CLASS RECORDINGS

A Live Class may be recorded where:

Recording is enabled for the class;
Participants are notified;
The recording is required for an authorised educational, safeguarding, quality, or administrative purpose; and
Applicable consent and privacy requirements are followed.

Recordings may be made available to:

Enrolled learners;
The relevant tutor;
Authorised parents;
Approved school users;
Platform Staff investigating a complaint; or
Other authorised persons.

Users must not:

Record classes through external tools without permission;
Publish recordings containing other Users;
Extract learner images or voices for unrelated use;
Sell class recordings;
Post recordings on public platforms without authority; or
Alter recordings to misrepresent another person.

Passco360 may retain recordings for the period reasonably required for service delivery, safeguarding, complaints, legal compliance, or another purpose described in the Privacy Policy.

19. USER CONTENT

Users retain ownership of original Content they create and upload, subject to:

Third-party intellectual-property rights;
The licence granted under these Terms;
Class-access commitments;
School agreements;
Tutor agreements; and
Applicable law.

Users may upload only Content that they own or are authorised to use.

Users must not upload:

Copyrighted material without permission;
Confidential examination papers;
Unlawfully obtained questions;
Pirated books or videos;
Another person’s photograph or recording without authority;
Personal information without a proper purpose;
Malware or harmful files;
Abusive or sexually explicit material;
Fraudulent or misleading Content; or
Material that violates another person’s rights.

20. LICENCE TO PASSCO360

By uploading User Content, the User grants Passco360 a non-exclusive, worldwide, royalty-free licence to:

Host;
Store;
Reproduce;
Format;
Convert;
Display;
Stream;
Transmit;
Back up;
Moderate;
Make available to authorised Users; and
Use the Content as reasonably necessary to operate, secure, improve, and provide Passco360.

Where the User uploads Content to advertise or deliver a class, the licence also permits Passco360 to display reasonable portions of that Content to promote the relevant class, tutor, school, or service.

This licence does not transfer ownership of the User’s original Content to Passco360.

20.1 Content Purchased or Accessed by Learners

Where a learner has purchased or enrolled in a class, Passco360 may continue to make the associated Content available for the access period communicated at the time of enrolment.

Deleting an account does not necessarily remove:

Content already submitted as part of a school record;
Content required for a learner’s purchased access;
Transaction records;
Assessment records;
Safeguarding evidence;
Legal records; or
Secure backup copies retained for a legitimate purpose.

21. TUTOR CONTENT UPLOADS

Tutors may upload ordinary educational resources needed to support their classes.

A tutor is not charged merely for uploading ordinary class materials, subject to:

Storage limits;
File-size limits;
Copyright rules;
Technical requirements;
Security requirements; and
Acceptable-use policies.

Uploading educational Content does not automatically entitle a tutor to payment.

Passco360 will pay for Content only where:

Passco360 specifically commissions it;
Passco360 agrees to purchase or license it;
It forms part of an approved paid programme; or
A separate written payment arrangement exists.

Any separate Content payment must be agreed before the Content is commissioned or supplied.

22. ACADEMIC INTEGRITY

Passco360 must not be used for:

Examination malpractice;
Impersonation;
Cheating;
Falsifying attendance;
Manipulating scores;
Submitting another person’s work;
Obtaining confidential examination materials;
Giving prohibited assistance during an examination;
Changing results without authority;
Misrepresenting assessment performance.

Schools, tutors, and learners are responsible for preserving the integrity of their learning and assessment activities.

Passco360 may investigate suspicious assessment, attendance, or examination activity.

23. USER CONDUCT

Users must not:

Harass, threaten, bully, exploit, or abuse another person;
Engage in sexual or inappropriate communication with a minor;
Upload unlawful, hateful, discriminatory, or violent Content;
Share another person’s private information without authority;
Gain unauthorised access to an account or system;
Interfere with Platform security;
Reverse-engineer or attack the Platform;
Introduce malware;
Send spam;
Manipulate payments;
Create fraudulent transactions;
Create fake reviews;
Impersonate another User;
Scrape Platform data without permission;
Circumvent access or payment controls;
Use automated systems that harm Platform performance;
Use Passco360 to promote an unlawful activity; or
Encourage another person to violate these Terms.

24. MODERATION AND CONTENT REMOVAL

Passco360 may review, restrict, remove, or disable access to Content where reasonably necessary to:

Enforce these Terms;
Protect learners;
Respond to a complaint;
Address intellectual-property infringement;
Prevent fraud;
Protect privacy;
Maintain system security;
Comply with law; or
Protect Users from harm.

Where practical, Passco360 may notify the affected User and provide an opportunity to respond.

Passco360 is not required to retain Content that violates these Terms.

25. PAYMENTS AND PRICES

Passco360 may process or facilitate payments for:

Exam-preparation plans;
Paid group classes;
One-on-one private tutoring;
Bootcamps;
Professional courses;
School access;
School fees;
Subscriptions;
Free-Class hosting services;
Educational events; and
Other approved Platform services.

Before completing a transaction, the payer should be shown:

The price;
The service being purchased;
Applicable taxes where required;
Material payment-provider charges where applicable;
The relevant cancellation or refund terms; and
Any recurring-payment conditions.

Users are responsible for reviewing transaction details before authorising payment.

26. TUTOR COMMISSION AND EARNINGS

Unless a school, institutional, or separately written agreement provides otherwise, Passco360 retains a standard 20% commission from Eligible Tutor Income generated through paid tutoring Services on the Platform.

The tutor ordinarily receives the remaining 80%, subject to:

Approved refunds;
Chargebacks;
Payment reversals;
Legally required tax deductions;
Disclosed payment-provider charges;
Agreed hosting fees;
Payment corrections; and
Other deductions permitted under the Tutor Contractor Agreement.

The standard commission generally applies to:

Paid live group classes;
One-on-one private bookings;
Paid mock examinations;
Paid revision programmes;
Paid workshops; and
Other paid tutor Services.

Detailed tutor payment, verification, withholding, Wallet Balance, and payout rules are governed by the Tutor Contractor Agreement.

27. FREE CLASSES

A tutor may apply to host a class without charging learners.

Because a Free Class does not generate paid tutor income, the standard 20% commission does not apply.

Passco360 may charge the tutor an agreed hosting or Platform-service fee for providing:

Virtual classroom access;
Live video or audio services;
Recording;
Storage;
Technical support;
Class promotion;
Registration tools;
Communication services; or
Administrative support.

Any hosting fee must be communicated and agreed before the Free Class is approved or activated.

Passco360 may waive or reduce a hosting fee for an approved:

Promotional programme;
Scholarship;
Community initiative;
Demonstration;
Tutor-onboarding programme; or
Partnership programme.

28. TUTOR SERVICE VERIFICATION

Tutor payments may remain in a Pending Balance until delivery has been verified.

A paid group class may be evaluated using:

Scheduled instructional time;
Tutor attendance;
Learner attendance;
Genuine learner participation;
Resources promised in the class listing;
Assignments or quizzes;
Assessment and grading activity;
Learner feedback;
Complaints;
Platform activity; and
Compliance with the Tutor Contractor Agreement.

Delivering at least 75% of scheduled live instructional time is an important verification requirement but may not be sufficient where the tutor has not delivered other material components promised to learners.

Opening an empty virtual classroom or leaving a class running without genuine teaching and learner participation does not establish successful completion.

One-on-one bookings may be verified using attendance, duration, classroom activity, learner confirmation, and applicable cancellation or no-show rules.

29. PENDING BALANCES AND PAYOUTS

Payments connected to tutor Services may initially appear as a Pending Balance while completion is verified.

The term “Pending Balance” is a Platform payment status. It does not mean that Passco360 operates a regulated bank escrow or trust account unless expressly stated.

Verified earnings may move to the tutor’s available Wallet Balance.

Payouts may be subject to:

Identity verification;
Accurate payment details;
Minimum payout requirements;
Tax or compliance information;
Payment-provider processing;
Resolution of connected disputes; and
The applicable payout schedule.

Passco360 shall not unnecessarily delay undisputed eligible tutor earnings.

30. SCHOOL PAYMENTS AND FEE COLLECTION

Schools may use payment arrangements supported by Passco360, including:

School-paid subscriptions;
Student-paid access;
Parent-paid access;
Sponsored access;
School-fee collection;
Per-user charges;
Commission arrangements; or
Separately agreed institutional plans.

Unless Passco360 expressly sets the fee as its own service charge, the school is responsible for:

Setting the school fee;
Ensuring the fee is lawful;
Communicating the fee;
Issuing required school-level information;
Approving exemptions or sponsorships; and
Resolving disputes about the underlying school obligation.

Passco360 may charge service fees, payment-provider charges, subscriptions, or commissions where agreed.

A learner’s access may be restricted until a required payment is:

Completed;
Sponsored;
Exempted;
Waived;
Approved; or
Otherwise resolved.

31. REFUNDS, CANCELLATIONS AND PAYMENT DISPUTES

Refund eligibility may depend on:

The service purchased;
Whether the service has started;
How much of the service was delivered;
A tutor cancellation;
A learner cancellation;
A no-show;
A duplicate payment;
A technical failure;
Material misrepresentation;
A school decision;
A chargeback; or
Purchase-specific terms.

Passco360 may approve a full refund, partial refund, credit, rescheduling, replacement service, or no refund depending on the circumstances and the applicable policy.

A refund request should be made within the period stated in the relevant purchase terms.

Passco360 may request:

A transaction reference;
Payment evidence;
Class information;
Booking information;
Communication records; or
Other information reasonably needed to investigate.

Approved refunds shall ordinarily be returned through the original payment method where reasonably possible.

Third-party payment-provider charges may not be refundable where the provider does not return those charges, provided this was properly disclosed or permitted by law.

32. CHARGEBACKS, FRAUD AND PAYMENT REVERSALS

Passco360 may delay, restrict, reverse, or investigate a transaction where there is reasonable suspicion of:

Fraud;
Unauthorised payment;
Duplicate payment;
Chargeback;
Stolen payment information;
Payment manipulation;
Money laundering;
False identity information;
Service non-delivery; or
Another legal or security concern.

Users must cooperate with reasonable payment-verification requests.

Passco360 may deduct an approved refund, chargeback, or payment reversal from the amount payable to the party who received or was due to receive that payment.

33. SUBSCRIPTIONS AND RECURRING PAYMENTS

Where Passco360 offers a recurring subscription, the User must be informed before payment of:

The subscription price;
The billing period;
Whether renewal is automatic;
How to cancel;
When cancellation takes effect; and
Material restrictions on refunds.

Cancelling a subscription may prevent future renewals without automatically refunding a period already paid for.

Passco360 may suspend subscription access where a renewal payment fails.

34. TAXES

Users are responsible for taxes and statutory obligations that apply to their income, purchases, school fees, or commercial activity.

Passco360 may deduct or withhold tax where required by Ghanaian law or by a lawful direction from a competent authority.

Where legally required, Passco360 will provide an appropriate record of a statutory deduction.

35. PRIVACY AND DATA PROTECTION

Passco360 may collect and process information needed to provide:

User accounts;
Learning services;
Tutor services;
Parent monitoring;
School management;
Attendance;
Assessments;
Communication;
Payments;
Security;
Support;
Analytics;
Safeguarding; and
Legal compliance.

Information may include:

Names and contact details;
Account and role information;
School relationships;
Parent-child relationships;
Attendance;
Learning activity;
Assessment performance;
Assignments and submissions;
Class participation;
Recordings;
Payment records;
Tutor qualifications;
Uploaded Content;
Support communications; and
Security records.

The Privacy Policy should explain:

What information is collected;
Why it is collected;
The legal or authorised basis for processing;
Who may receive it;
How long it may be retained;
How it is protected;
Users’ applicable data rights; and
How privacy requests may be submitted.

36. COMMUNICATIONS

Passco360 may send Users:

Account notifications;
Verification messages;
Class reminders;
School announcements;
Payment receipts;
Payout information;
Security alerts;
Policy updates;
Service notices;
Support responses; and
Other transactional communications.

Marketing communications should be distinguishable from essential service communications.

Users may be allowed to opt out of marketing messages, but Users may still receive essential account, payment, safeguarding, legal, and security communications.

37. THIRD-PARTY SERVICES

Passco360 may use third-party providers for:

Payments;
Mobile Money;
Banking;
Video and audio communication;
Email;
Messaging;
Authentication;
Hosting;
Storage;
Analytics;
Security;
Notifications; and
Other technical services.

Use of certain features may also be subject to the relevant provider’s terms.

Passco360 is not responsible for a third-party failure outside its reasonable control but will use reasonable efforts to address service issues affecting Passco360.

Passco360 must not use this clause to avoid responsibility for its own negligence, misconduct, or legal obligations.

38. PLATFORM AVAILABILITY

Passco360 aims to provide a reliable service but does not guarantee uninterrupted or error-free operation.

Access may be affected by:

Maintenance;
Internet disruption;
Device incompatibility;
Browser permissions;
Power failure;
Payment-provider interruption;
Video-service interruption;
Storage-service interruption;
Cybersecurity incidents;
Emergency maintenance; or
Events outside reasonable control.

Passco360 may modify, replace, suspend, or discontinue a feature.

Where a material paid feature is permanently discontinued, Passco360 may provide an appropriate replacement, account credit, partial refund, or other remedy depending on the circumstances.

39. PLATFORM UPDATES

Passco360 may introduce, remove, or modify:

Features;
User interfaces;
Dashboards;
Access requirements;
Subscription plans;
Technical requirements;
Storage limits;
Payment methods;
Learning tools; and
Security procedures.

Changes affecting an existing paid service should not materially remove the essential service already purchased without an appropriate alternative or remedy.

40. EDUCATIONAL DISCLAIMER

Passco360 provides educational tools, tutoring access, school-management tools, assessment features, and exam-preparation resources.

Passco360 does not guarantee:

A particular examination result;
A particular grade;
Admission to a school or university;
Employment;
A scholarship;
Professional licensing;
Tutor earnings;
A minimum number of learners; or
Any other particular outcome.

Educational outcomes depend on factors including:

Learner effort;
Attendance;
Tutor performance;
School delivery;
Assessment conditions;
Individual ability; and
Circumstances outside Passco360’s control.

Nothing in these Terms permits a tutor or school to make false or misleading educational promises.

41. TUTOR AND SCHOOL RESPONSIBILITY

Tutors are responsible for the quality, accuracy, originality, and professional delivery of their Services.

Schools are responsible for their academic decisions, staff management, fees, internal policies, and lawful use of student information.

Passco360 may monitor, moderate, investigate, or enforce minimum standards, but this does not make every tutor an employee or every school an agent of Passco360.

Passco360 may remove or suspend a tutor, school, class, or programme that does not meet applicable requirements.

42. LIMITATION OF LIABILITY

To the extent permitted by applicable law, Passco360 shall not be liable for indirect, incidental, special, punitive, or consequential losses arising from:

Loss of anticipated income;
Loss of opportunity;
Poor examination results;
A User’s failure to attend a class;
Unauthorised sharing caused by a User;
Another User’s unlawful conduct;
Internet failure;
Device failure;
A third-party service interruption; or
Content independently supplied by a tutor, school, or other User.

Where Passco360 is legally liable in connection with a paid service, its aggregate liability shall ordinarily not exceed the amount paid to Passco360 for the specific service giving rise to the claim.

Nothing in these Terms excludes or limits:

A payment properly due to a User;
Liability arising from Passco360’s fraud or deliberate misconduct;
Liability that cannot legally be excluded or limited;
A User’s applicable statutory rights; or
Another obligation that applicable law requires Passco360 to honour.

43. USER RESPONSIBILITY AND INDEMNITY

To the extent permitted by law, a User is responsible for claims, losses, or reasonable expenses directly caused by:

The User’s material breach of these Terms;
The User’s fraud;
The User’s unlawful conduct;
Intellectual-property infringement caused by User Content;
Unauthorised disclosure of personal information;
Safeguarding misconduct; or
Intentional damage to the Platform or another User.

A User shall not be responsible for a loss caused by Passco360’s own negligence or misconduct.

44. ACCOUNT RESTRICTION, SUSPENSION AND TERMINATION

Passco360 may restrict, suspend, or terminate an account where there is credible evidence of:

A material breach of these Terms;
Fraud;
Payment manipulation;
False information;
Impersonation;
Academic dishonesty;
Safeguarding misconduct;
Abuse or harassment;
Intellectual-property infringement;
Unauthorised data access;
Security interference;
Repeated service non-delivery;
Criminal conduct; or
A serious legal, financial, or safety risk.

Passco360 may immediately restrict access where urgent action is required to protect:

A child;
Another User;
Personal information;
Payments;
Platform security; or
Legal compliance.

Where appropriate, the affected User may be given:

Notice of the issue;
An opportunity to respond;
An opportunity to correct a non-serious breach; or
Information about the review outcome.

Passco360 is not required to provide advance notice where doing so may increase a safeguarding, security, fraud, or legal risk.

45. USER ACCOUNT CLOSURE

A User may request account closure through an available account setting or by contacting Passco360.

Account closure may be delayed where reasonably necessary to:

Complete an active class;
Resolve an outstanding payment;
Preserve a school record;
Investigate fraud;
Investigate a safeguarding matter;
Comply with legal retention obligations;
Protect another User’s purchased access.

Closing an account does not automatically cancel:

An outstanding payment obligation;
A pending refund;
A school record;
A valid investigation;
A tutor payout review;
A continuing confidentiality obligation; or
Another obligation intended to survive account closure.

46. OUTSTANDING PAYMENTS AFTER TERMINATION

Account suspension or termination does not remove a User’s right to an undisputed payment properly due.

Passco360 may temporarily hold only the amount reasonably connected to:

A disputed transaction;
A refund;
A chargeback;
Suspected fraud;
A payment reversal;
Service non-delivery;
A legal restriction; or
A legitimate investigation affecting payment eligibility.

Any remaining undisputed amount shall be processed according to the applicable payment or payout schedule.

47. COMPLAINTS AND INTERNAL RESOLUTION

A User should first submit a complaint through:

The Passco360 support system;
The relevant dashboard;
passco360official@gmail.com; or
Another officially published complaint channel.

A complaint should include:

The User’s name;
The account or transaction involved;
Relevant dates;
A description of the issue;
Supporting information; and
The requested resolution.

Passco360 and the User should attempt to resolve the issue in good faith.

48. MEDIATION AND LEGAL PROCEEDINGS

Where a dispute is not resolved internally, the parties may, by mutual agreement, refer the dispute to an independent mediator in Ghana.

Where:

The parties do not agree to mediation;
Mediation is unsuccessful;
Urgent legal protection is required; or
The dispute cannot reasonably be resolved internally,

either party may bring the matter before a court of competent jurisdiction in Ghana.

Nothing in these Terms prevents a User from reporting a matter to a regulator, law-enforcement authority, data-protection authority, or another competent public body.

49. GOVERNING LAW

These Terms shall be governed by and interpreted in accordance with the laws of the Republic of Ghana.

50. NOTICES

Passco360 may send notices through:

The User’s registered email address;
An in-app notification;
The User’s dashboard;
A registered telephone number;
A school administrator;
A parent or guardian, where appropriate; or
Another verifiable electronic method.

Users are responsible for keeping contact information current.

A notice may be treated as received when it is successfully delivered to the contact information registered on the account, unless there is evidence that delivery failed.

51. CHANGES TO THESE TERMS

Passco360 may update these Terms to reflect:

Changes in law;
New services;
Payment changes;
Security needs;
Safeguarding requirements;
Technical developments;
New user roles;
Business changes; or
Operational requirements.

Material changes shall be communicated before they take effect.

Where a change materially affects:

Fees;
Tutor commission;
User rights;
Content ownership;
Liability;
Data use; or
Account termination,

Passco360 may require the User to review and digitally accept the revised Terms.

Changes to prices or commissions shall not ordinarily apply retrospectively to a service already completed or purchased under previously disclosed terms.

Continued use after the stated effective date may constitute acceptance where the revised Terms were made reasonably available to the User.

52. ELECTRONIC ACCEPTANCE AND RECORDS

Before digital acceptance, Users should be given a reasonable opportunity to:

Access these Terms;
Read the Terms;
Correct material registration errors;
Download or request a copy; and
Decide whether to accept.

A User may accept these Terms by:

Checking an acceptance checkbox;
Selecting an acceptance button;
Applying an approved digital signature;
Creating an account after the Terms are displayed; or
Continuing to use Passco360 after being notified of revised Terms.

Passco360 may retain an electronic record of:

The version accepted;
The account that accepted it;
The date and time of acceptance;
The acceptance method;
Relevant technical records; and
Subsequent versions accepted.

Electronic acceptance shall have effect to the extent permitted under the applicable laws of Ghana.

53. ASSIGNMENT

Users may not sell, transfer, or assign their accounts or obligations under these Terms without Passco360’s written approval.

Passco360 may assign these Terms to:

An affiliated business;
A successor;
A purchaser;
A reorganised entity; or
Another entity acquiring or operating Passco360,

provided that accrued User rights are not unlawfully removed.

54. SEVERABILITY

Where any provision of these Terms is found to be unlawful, invalid, or unenforceable, the provision shall be limited or interpreted to the minimum extent necessary.

The remaining provisions shall continue in effect.

55. NO WAIVER

A failure or delay by Passco360 or a User to enforce a provision does not waive the right to enforce it later.

A waiver applies only to the particular matter for which it was given.

56. ENTIRE AGREEMENT

These Terms, together with the applicable agreements and policies identified in Section 3, constitute the agreement between Passco360 and the User concerning use of the Platform.

They replace previous general representations or understandings concerning the same subject matter.

57. SURVIVAL

Provisions relating to the following may continue after account closure or termination:

Outstanding payments;
Refunds and chargebacks;
Confidentiality;
Data protection;
Intellectual property;
Purchased learner access;
Safeguarding;
User responsibility;
Liability;
Dispute resolution; and
Governing law.

58. CONTACT INFORMATION

Questions, complaints, privacy requests, and legal notices may be sent to:

Adenat Solutions & Enterprise

Platform: Passco360

Email: passco360official@gmail.com

Telephone: +233 545 138 148

Registered Address: Accra, Ghana

Business Name: Adenat Solutions & Enterprise