Terms of Service

 Applies to every visitor, account holder, learner, candidate, event participant, client and counterparty using the MEDSIRAT platform.

A1. Who we are and what these Terms cover

A1.1 MEDSIRAT (“MEDSIRAT”, “we”, “us” or “our”) is a strategic consulting, coaching, training and venture-building firm established in Tunisia, with its registered office at 12 Rue Ahmed Boukhari, Cité Mahrajène, Tunis, Tunisia, registered in the Commercial Register of Tunis under number [[TO CONFIRM: RC number]] and holding tax identifier [[TO CONFIRM: MF number]].

A1.2 These Terms of Service govern access to and use of medsirat.com, ventures.medsirat.com, academy.medsirat.com, every subdomain and language version of those sites, the learner and client portals, the learning management system, and every page through which we publish services, events, job offers or content (together, the “Platform”), as well as every service ordered through the Platform.

A1.3 The Platform is operated on Odoo, with certain functions delivered through third-party systems (learning management, video conferencing, payment processing, e-mail and analytics). Those systems are identified where they affect your rights.

A1.4 By browsing the Platform, creating an account, registering for an event, submitting a job application, enrolling in a programme, purchasing a product or ordering a service, you accept these Terms. If you do not accept them, you must not use the Platform.

A1.5 Where you act on behalf of a company, administration, fund or other organisation, you confirm that you are authorised to bind that entity, and “you” refers to both you personally and that entity.

A1.6 These Terms are a single document made of four parts — Part A (Terms of Service), Part B (Privacy and Data Protection Policy), Part C (Refund and Cancellation Policy) and the Schedules. They must be read together and are accepted as a whole.

A1.7 Order of precedence. In case of conflict, the following order applies: (a) a signed engagement letter, statement of work, enrolment agreement, sponsorship or event contract; (b) these Terms; (c) the specific regulations of a programme (assessment regulations, code of conduct, cohort rules); (d) marketing material, which is indicative only and does not form part of the contract.

A1.8 Consumers. Nothing in these Terms removes or limits rights granted to you by mandatory consumer protection legislation in your country of residence. Where a provision of these Terms conflicts with such legislation, the legislation prevails for consumers, and the remaining provisions stay in force.

A2. Eligibility, accounts and security

A2.1 The Platform is intended for persons aged 18 or over. A person aged 16 or 17 may use the public content and attend a free event with the documented consent of a parent or legal guardian, but may not purchase a paid service or create a learner account without that consent. Services intended for minors are identified as such and governed by the specific rules provided at enrolment.

A2.2 You must provide accurate, current and complete information and keep it up to date. Inaccurate information may lead to suspension, refusal of certification, or cancellation of an order without refund where the inaccuracy is material.

A2.3 Accounts are personal. You must not share your credentials, allow concurrent use by third parties, or transfer your account. You are responsible for all activity carried out through your account. Notify us immediately at security@medsirat.com if you suspect unauthorised access.

A2.4 We may suspend, restrict or close an account, with or without notice depending on urgency, where: (a) these Terms are breached; (b) fraud, payment reversal or misuse is suspected; (c) the account presents a security risk; (d) we are required to do so by law or by a competent authority; (e) the account has been inactive for more than 36 months and holds no statutory record.

A2.5 You may close your account at any time by writing to contact@medsirat.com. Closure does not affect orders in progress, payment obligations already due, certification records that we must retain, or data we must keep by law. Data retention after closure is set out in Part B, section B14.

A3. Our services and how they are contracted

A3.1 MEDSIRAT provides the following service lines. Each is governed by these Terms and, where applicable, by a dedicated document.

Service line	What it covers	Specific document
Advisory and consulting	Strategy, organisation and people, finance and performance, marketing and growth, technology and digital, diagnostics and assessments.	Engagement letter and statement of work (SOW)
Coaching	Individual, executive, team and career coaching delivered by MEDSIRAT-certified coaches.	Coaching agreement
Open training	Short courses, workshops and masterclasses delivered in person, online or hybrid.	Course page, programme rules
Academy and certification	Certification tracks (including MCBM, MCEC, MCLP, SCBC and MGMP), credit systems, examinations, credential verification and renewal.	Programme regulations, assessment regulations
E-learning	Self-paced modules and digital learning resources delivered through the learning management system.	Product page, access terms
Corporate solutions	In-company programmes, bundled seats, train-the-trainer, licensing into corporate academies, organisational diagnostics.	Master services agreement, SOW
Ventures	Venture building, readiness and incubation support, investor introductions, Siratify programmes and deal-flow services.	Ventures engagement letter
Events	Webinars, round tables, conferences, invitation-only sessions and community events.	Event page, registration terms
Careers	Publication of job offers, internships and calls for experts; receipt and review of applications.	Recruitment notice, Part B B9
Content	Articles, reports, studies, newsletters, tools and multimedia published by MEDSIRAT.	These Terms, section A5

 

 

A3.2 A contract for a paid service is formed only when we issue an order confirmation, enrolment confirmation or countersigned SOW. A page, quotation, proposal or price display is an invitation to treat, not an offer.

A3.3 We may add, modify, suspend or discontinue any service, including free services and public content, at any time. Where a change affects a paid service already ordered, section A22 and Part C apply.

A3.4 Certain services are delivered by affiliates, associate consultants or certified partners. We remain responsible to you for the delivery of the service we have contracted, and we impose equivalent confidentiality and data protection obligations on those third parties.

A3.5 Where a service is subject to eligibility conditions (prerequisites, professional experience, language level, visa or right to work), you are responsible for meeting them. We may refuse or terminate an enrolment if a condition is not met, applying the refund rules in Part C.

A4. Acceptable use of the Platform

A4.1 You may use the Platform only for lawful purposes and in accordance with these Terms. You must not:

•      use the Platform in any way that breaches applicable law, including data protection, anti-fraud, anti-money-laundering, sanctions and export control rules;

•      reproduce, scrape, crawl, harvest or systematically extract content, prices, course catalogues, candidate data or contact details, including by automated means, without our prior written consent;

•      reverse engineer, decompile, disassemble or attempt to obtain the source code of the Platform, except where such restriction is prohibited by law;

•      bypass, disable or circumvent access controls, paywalls, enrolment checks, examination controls, proctoring, digital rights management or usage limits;

•      share, resell, sublicense, rent, lend or transfer access to a course, module, cohort, event or account;

•      upload or transmit malicious code, or interfere with the security, integrity or performance of the Platform;

•      impersonate any person or entity, misrepresent your affiliation, qualifications or certification status, or use another person’s identity to register, apply or sit an assessment;

•      post or transmit content that is unlawful, defamatory, discriminatory, harassing, obscene, or that infringes the rights of others;

•      collect or publish personal data of other users, candidates, learners or event participants without a lawful basis;

•      use the Platform or its content to develop, train, fine-tune or benchmark a competing product, a competing training offer or an artificial intelligence model, without our prior written consent;

•      use the Platform to send unsolicited commercial communications.

A4.2 We may investigate suspected misuse, restrict access during an investigation, remove content, and report unlawful conduct to the competent authorities. Serious or repeated misuse may lead to termination without refund, revocation of a certification, and a claim for damages.

A4.3 Availability. We aim to keep the public Platform available at all times but do not guarantee uninterrupted or error-free access. Availability commitments, if any, are given only in a signed corporate agreement. Scheduled maintenance is announced where practicable.

A4.4 You are responsible for the equipment, software, connectivity and telecommunications costs needed to access the Platform.

A5. Intellectual property

A5.1 Our content. The Platform and everything published on it — text, structure, graphics, layout, photographs, illustrations, videos, podcasts, animations, interfaces, databases and code — is owned by MEDSIRAT or used under licence, and is protected by Tunisian and international intellectual property law, including copyright, trademark, database and design rights.

A5.2 Brand and distinctive signs. The name MEDSIRAT, the MEDSIRAT logo and visual identity, the baseline “Extending Paths to Success”, the product names MCBM, MCEC, MCLP, SCBC, MGMP and Siratify, the “Gloves Off” format, the domain names medsirat.com, ventures.medsirat.com and academy.medsirat.com, and the associated logos and trade dress are trademarks and distinctive signs of MEDSIRAT. You may not use them, in whole or in part, as a trademark, domain name, social media handle, metatag, keyword or commercial designation without our prior written consent. Nominative references that are true, necessary and not misleading (for example, “certified by MEDSIRAT”) remain permitted.

A5.3 Communication material. Brochures, capability statements, credentials decks, case studies, reports, studies, white papers, press releases, social media content, newsletters, videos and photography produced by MEDSIRAT (“Communication Material”) are owned by MEDSIRAT. You may not reproduce, adapt, translate, distribute, publicly communicate or commercially exploit them without our prior written consent. Journalists and partners may quote extracts with clear attribution and a link to the original, provided the meaning is not altered.

A5.4 Training Material. Courseware, slide decks, facilitator guides, participant workbooks, exercise books, case studies, templates, frameworks, diagnostic instruments, assessment briefs, examination question banks, model answers, marking rubrics, recorded sessions, e-learning modules and any other teaching resource produced or licensed by MEDSIRAT (“Training Material”) are the exclusive property of MEDSIRAT or its licensors. Training Material is disclosed to participants in confidence and solely for their personal learning.

A5.5 Licence to learners. When you enrol in a paid programme, MEDSIRAT grants you a personal, non-exclusive, non-transferable, non-sublicensable, revocable and limited licence to access and use the Training Material made available to you, for the duration of your enrolment or the access period stated on the product page, and solely for your own learning. This licence does not permit you to:

•      download, copy, print or store Training Material, except where a download is expressly enabled or where copying is required for the integrity of the learning process;

•      record, screen-capture, transcribe or stream any live or recorded session;

•      share, publish, upload, sell, license or otherwise make Training Material available to any third party, including within your own organisation beyond the number of seats purchased;

•      reuse Training Material, in whole or in substantial part, to deliver training, coaching or consulting to third parties, or to build an internal academy product offered outside your organisation;

•      remove, obscure or alter any copyright, trademark, confidentiality or authorship notice;

•      feed Training Material into a generative artificial intelligence tool for the purpose of reproducing, summarising at scale, or creating derivative training content.

A5.6 Certificates and credentials. A certificate, badge or credential issued by MEDSIRAT is a personal, non-transferable attestation. It may be displayed and referenced by the holder to evidence certification while it remains valid, and must not be altered, embellished or presented in a way that suggests accreditation, approval or partnership by a third party, a public authority or a university, unless MEDSIRAT has stated so expressly in writing. Misuse, forgery or misrepresentation leads to immediate revocation and may be published in the verification register as “revoked”.

A5.7 Client materials and deliverables. In consulting, coaching and corporate engagements: (a) the client retains ownership of the documents, data and materials it provides, and grants MEDSIRAT a non-exclusive licence to use them for the sole purpose of performing the engagement; (b) deliverables specified in the SOW are licensed to the client for its internal use upon full payment, or assigned to it where the SOW says so expressly; (c) MEDSIRAT retains ownership of its pre-existing methodologies, tools, templates, models, software and know-how, and of all generic knowledge, skills and experience acquired in the course of its work, which it may reuse without disclosing the client’s confidential information.

A5.8 Feedback and testimonials. If you send us comments, suggestions, reviews or feedback, you grant MEDSIRAT a worldwide, perpetual, irrevocable, royalty-free licence to use them to improve and promote its services, without identifying you unless you have consented. Testimonials and case studies are published only with your consent, and may be withdrawn at any time by writing to contact@medsirat.com.

A5.9 Third-party content. Certain content, trademarks, images, video players or datasets belong to third parties and are used under licence, legal exception or public licence. Their terms prevail for that content, and nothing in these Terms grants you rights over them.

A5.10 Infringement notices. If you believe that content on the Platform infringes your rights, send a written notice to ip@medsirat.com identifying the right concerned, the infringing content and its location, your contact details, and a statement of good faith. We will review the notice, may remove or restrict access to the content, and will inform the party that posted it. Knowingly false notices may engage your liability.

A5.11 Remedies. Any unauthorised use of MEDSIRAT intellectual property entitles MEDSIRAT to seek injunctive relief and damages, to terminate the account or enrolment concerned without refund, and to revoke any certification obtained or used in breach of this section.

A6. Content you submit

A6.1 You are solely responsible for the content you submit through the Platform, including applications, CVs, pitch materials, registration details, comments and messages (“User Content”). You warrant that you hold all rights and consents needed to submit it, and that it does not infringe the rights of any third party or contain confidential information belonging to a former employer or another person.

A6.2 You grant MEDSIRAT a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, adapt (for formatting), translate where necessary for review, and display User Content strictly for the purposes for which it was submitted — assessing an application, evaluating a venture, registering an event, administering a programme, or publishing a contribution you have agreed to publish.

A6.3 We may review, moderate, refuse or remove User Content that breaches these Terms, the law or the rights of others, without prior notice where the breach is manifest.

A6.4 You must not submit special categories of personal data (health, religious or political opinions, biometrics, sexual orientation) through free-text fields, unless the form expressly requests it for a lawful purpose. See Part B, section B4.

A7. Our offices, premises and video surveillance

A7.1 MEDSIRAT’s offices are private premises. Access is by appointment or invitation, and visitors must comply with on-site safety and security instructions.

A7.2 Closed-circuit television (CCTV) operates in and around our premises for the purposes of protecting the safety of people, protecting property, and safeguarding the confidential information of our clients, learners and counterparties. Cameras are installed only in entrances, reception areas, corridors, stairwells, parking areas and secure technical or archive rooms. No camera is installed in individual offices, meeting and coaching rooms, prayer rooms, sanitary facilities, changing areas or rest areas.

A7.3 Recordings are silent. Audio recording is not carried out.

A7.4 A visible, permanent notice is displayed at each entrance and in reception, stating that the premises are under video surveillance, the identity of the controller, the purposes, the retention period and how to exercise your rights. The notice text is reproduced in Schedule 3.

A7.5 Recordings are retained for 30 days, after which they are automatically overwritten, unless they must be kept longer for the establishment, exercise or defence of a legal claim, for an internal security investigation, or at the request of a competent authority. Extended retention is limited to the strict period necessary and is recorded in the register of processing.

A7.6 Access to recordings is restricted to authorised personnel designated by MEDSIRAT, is logged, and is subject to confidentiality. Recordings are disclosed only: (a) to the data subject or their representative, subject to the rights of other persons appearing in the images; (b) to public authorities where legally required; (c) to our insurers, lawyers or experts where necessary to establish or defend a claim; (d) with the consent of the persons concerned.

A7.7 Video surveillance is subject to prior authorisation from the Tunisian National Authority for the Protection of Personal Data (INPDP) under Organic Law No. 2004-63 of 27 July 2004. Authorisation reference: [[TO CONFIRM: INPDP authorisation number and date]]. The processing is described in Part B, section B7.

A7.8 Employees are informed individually, and the subject is addressed in the internal rules of the company. Visitors may request information from reception or from privacy@medsirat.com.

A7.9 Online meetings and coaching sessions are not recorded by MEDSIRAT without the prior consent of all participants. Where a session is recorded for learning or quality purposes, participants are informed at the start and may refuse or leave the recording.

A8. Events, webinars and round tables

A8.1 Registration for an event is made through the event page. Registration is confirmed by e-mail, subject to available capacity. A waiting list does not constitute a confirmed place.

A8.2 Fees, where applicable, and the cancellation and refund rules are set out in Part C, section C5.7.

A8.3 Invitation-only events are personal and non-transferable. We may request identity verification at entry and refuse admission where the registration cannot be verified, where capacity is exceeded, or where the attendee’s presence would create a confidentiality or security risk.

A8.4 We may change the programme, speakers, timing, format or venue of an event. Where the change is substantial (change of date, change of city, change from in-person to online, cancellation of more than half the programme), you may request a refund or a transfer under Part C.

A8.5 All participants must comply with the event code of conduct. Harassment, discrimination, disruptive behaviour, unauthorised promotion or recording may lead to removal from the event without refund, and to exclusion from future events.

A8.6 Photography and filming. Public events may be photographed or filmed by MEDSIRAT or its appointed provider for documentation and communication purposes. Participants are informed at registration and at the venue, and may object by notifying the organiser or by using the opt-out indicator provided at check-in; in that case we will avoid identifiable close-ups. Attendees may not record, stream or broadcast an event, in whole or in part, without written permission.

A8.7 Where an event is hosted by a third party, the rules of that venue apply in addition to these Terms. We are not responsible for services supplied directly by the venue, the caterer or the travel provider.

A8.8 Sponsors and partners may present content at certain events. Their relationship with you is governed by their own terms, and their content does not constitute a recommendation by MEDSIRAT.

A9. Careers, job offers and applications

A9.1 Job offers, internships, calls for experts and consultant opportunities published on the Platform are invitations to apply. They do not constitute an offer of employment or engagement, and they may be modified or withdrawn at any time before a written contract is signed.

A9.2 Applications are processed for recruitment purposes as described in Part B, section B9. Unless you object, we keep your application for 24 months after the end of the recruitment process, in order to consider you for subsequent opportunities.

A9.3 You warrant that the information in your application is accurate, that you hold the qualifications you claim, and that you are entitled to work in the location concerned. Where a position requires it, and with your consent, we may verify references, diplomas and professional certifications, and carry out background checks permitted by applicable law for final candidates only.

A9.4 We apply equal opportunity principles and do not discriminate on grounds prohibited by law. Selection is based on the requirements of the position.

A9.5 Where automated tools are used to sort or rank applications, they support — and do not replace — human review. No candidate is rejected on the sole basis of an automated assessment.

A9.6 Recruitment fraud. MEDSIRAT never asks a candidate for a payment, a deposit, a fee for training, or bank or payment details as a condition of recruitment, and never recruits exclusively through messaging applications. Report any suspicious solicitation to hr@medsirat.com.

A10. Ventures, entrepreneurs and investors

A10.1 Through ventures.medsirat.com and the Siratify programmes, MEDSIRAT supports entrepreneurs and enterprises in structuring, financing and scaling their projects, and facilitates introductions between entrepreneurs and investors (“Ventures Services”).

A10.2 No offer of securities. Nothing published on the Platform constitutes an offer to sell, a solicitation of an offer to buy, or a recommendation relating to any security, fund, financial instrument or investment. No content is investment, legal, tax or accounting advice. Any investment decision must be based on the investor’s own due diligence and on the advice of its own advisers.

A10.3 No regulated intermediary role. Unless a separate written agreement expressly states otherwise, MEDSIRAT does not act as a broker-dealer, placement agent, investment adviser, fund manager or custodian, does not hold client funds, and does not execute transactions. MEDSIRAT does not guarantee that an entrepreneur will obtain financing, that an investor will find an opportunity, or that any transaction will be concluded on any particular terms or valuation.

A10.4 Information provided by third parties. Venture profiles, pitch decks, financial models, capitalisation tables and investor preferences are supplied by the parties concerned. MEDSIRAT does not verify, audit or endorse them, and does not warrant their accuracy or completeness. Investors must conduct their own legal, financial, technical and tax due diligence.

A10.5 Confidentiality of entrepreneur material. Business plans, financial data, intellectual property and commercial secrets submitted by an entrepreneur are treated as confidential. They are accessed by MEDSIRAT staff and advisers on a need-to-know basis, and are shared with an investor only: (a) with the entrepreneur’s consent, given for each investor or each data room; or (b) after the investor has accepted a confidentiality undertaking. Access to a data room is logged. We may refuse or withdraw access where confidentiality cannot be ensured.

A10.6 Confidentiality of investor information. The identity, investment thesis, ticket size, portfolio and contact details of investors are confidential. They are not disclosed to entrepreneurs or to other investors without the investor’s consent, except in aggregated and anonymised form.

A10.7 Conflicts of interest. MEDSIRAT may advise several actors in the same sector, may receive fees from an entrepreneur, an investor or both, and may itself invest in or alongside a venture. Any actual or potential conflict relevant to an engagement is disclosed to the parties concerned before the engagement proceeds, and appropriate organisational measures are applied.

A10.8 No fiduciary duty. Unless expressly assumed in a signed mandate, MEDSIRAT owes no fiduciary, advisory or loyalty duty to a user of the Ventures Services beyond the obligations set out in these Terms and in any signed agreement. The relationship between an entrepreneur and an investor is governed exclusively by the documents they sign between themselves; MEDSIRAT is not a party to those documents.

A10.9 Sensitive data. Do not submit identity documents, bank details, health data or other sensitive personal data through pitch, application or contact forms. Where such documents are needed for a formal process, we will provide a secure channel and a specific notice.

A10.10 Compliance. Certain Ventures Services may require identity verification, know-your-client checks, sanctions screening or anti-money-laundering due diligence. You agree to provide the information reasonably requested, and we may decline or terminate a service where a compliance requirement cannot be met.

A11. Consulting and coaching engagements

A11.1 Consulting and coaching services are defined in a written engagement letter and, where relevant, a statement of work specifying the scope, deliverables, timetable, team, fees and assumptions. In case of inconsistency, the SOW prevails over these Terms for that engagement.

A11.2 Client cooperation. The client must provide timely access to the information, people, systems and facilities reasonably required, designate a decision-maker, and ensure that the information supplied is accurate and complete. Delays or inaccuracies caused by the client may affect the timetable and the fees, and MEDSIRAT is not liable for consequences arising from them.

A11.3 Professional standard. MEDSIRAT will perform its services with the reasonable skill and care of a competent professional in its field, in accordance with the applicable professional and ethical standards. This is an obligation of means. Unless expressly agreed in writing, MEDSIRAT does not guarantee a particular result, performance, saving, valuation, financing or outcome.

A11.4 Coaching. Coaching is a structured, confidential learning relationship aimed at developing awareness, skills and performance. It is not psychotherapy, medical treatment, psychiatric care or legal advice. A coach may refer a coachee to a qualified professional where the situation exceeds the scope of coaching, and may suspend the engagement where continuing would be inappropriate. The coachee may end the engagement at any time, subject to the notice and fee provisions of the coaching agreement.

A11.5 Changes. Any change to the scope, deliverables or timetable must be requested in writing. MEDSIRAT will indicate the impact on fees and planning before the change is implemented.

A11.6 Records. Coaching notes are kept in a secure system, limited to what is necessary, and are not shared with the sponsoring organisation unless the coachee consents, except for aggregated, anonymised reporting on attendance and themes agreed in advance.

A11.7 Independence. MEDSIRAT may provide services to other organisations, including competitors of the client, subject to the confidentiality obligations in section A19 and to information barriers.

A12. Training, assessment and certification

A12.1 Enrolment. Enrolment is confirmed when we issue a confirmation and receive payment or a valid purchase order. Prerequisites, language of delivery, format and duration are stated on the programme page.

A12.2 Attendance and participation. Certification programmes require a minimum attendance and active participation, as specified in the programme regulations. Absences above the permitted threshold may result in ineligibility for assessment, with the remedies set out in Part C, section C5.3.

A12.3 Assessment. Assessment may combine credits, written assignments, case studies, oral examinations, practical evaluations and a final examination. The conditions, weightings, pass marks and resit rules are published in the programme regulations before the start of the programme. Assessment of certain programmes involves independent examiners.

A12.4 Results. Results are provisional until moderation and validation are complete. We publish results within the period stated in the regulations. A clerical error may be corrected at any time.

A12.5 Certificates. Certificates are issued in the name of the participant, in digital form, with a unique identifier allowing verification through our online verification service. A replacement or a correction of name may attract an administrative fee.

A12.6 Revocation. MEDSIRAT may revoke a certificate, after a documented review and an opportunity to respond, where it was obtained by fraud, plagiarism, impersonation, undisclosed conflict, or material misrepresentation of eligibility; or where the holder seriously breaches these Terms, the code of ethics or the certification mark rules. Revocation is recorded in the verification register. It does not affect rights acquired in good faith by third parties.

A12.7 Appeals. A candidate may appeal an assessment decision within 30 days of notification, by written request stating the grounds. The appeal is examined by a panel that does not include the original assessor. The panel’s decision is communicated in writing within 45 days. The appeal process does not limit your right to seek legal remedies.

A12.8 Validity and renewal. Where a credential has a validity period, renewal requires evidence of continuing professional development or a renewal assessment, under the conditions published for that credential. Failure to renew leads to expiration of the credential, which is reflected in the verification register.

A12.9 Nature of the credentials. MEDSIRAT credentials attest that the holder has met the defined learning and assessment standards of MEDSIRAT. Unless expressly stated, they are not State diplomas, university degrees, or qualifications accredited by a national accreditation authority, and they do not guarantee employment or a particular level of remuneration. External accreditations, where they exist, are listed on the relevant programme page.

A12.10 Academic integrity. Plagiarism, collusion, impersonation, use of unauthorised materials during an examination, and undisclosed use of generative artificial intelligence where the regulations prohibit it, constitute misconduct and may lead to invalidation of the assessment, revocation of the certificate and exclusion from future programmes.

A12.11 Programme changes. We may update programme content, faculty, sequencing and assessment methods to reflect developments in the field. A programme may be postponed or cancelled where the minimum cohort size is not reached; in that case Part C, section C6 applies.

A13. E-learning platform and digital access

A13.1 Access to e-learning is granted through a named learner account. Access is personal, may not be shared, and is subject to a limit on simultaneous sessions.

A13.2 The access period starts on activation and runs for the duration stated on the product page ([[TO CONFIRM: standard access period, e.g. 12 months]]). Unless stated otherwise, access includes content updates released during the period, but not the right to retain a specific version of the content.

A13.3 You are responsible for meeting the technical requirements published for the module (browser, bandwidth, device, headset). We do not refund a module on the ground that your equipment or connection is inadequate, where the requirements were published.

A13.4 We aim to make the platform available continuously but do not warrant uninterrupted access. Interruptions caused by maintenance, updates, network failures, or events outside our reasonable control do not give rise to compensation, without prejudice to your rights under Part C where an interruption substantially prevents completion.

A13.5 Some modules are delivered through third-party systems. Their availability and their technical requirements are indicated on the module page.

A13.6 Downloads and offline use are permitted only where the module expressly enables them, and remain subject to the licence in section A5.5.

A13.7 Proctoring. Examinations may be supervised on site, or remotely with identity verification and the monitoring of screen, camera or browser activity. You are informed before the examination and must consent to the monitoring to sit it. Refusal may result in an alternative assessment arrangement or in ineligibility, as provided by the regulations.

A13.8 Any attempt to circumvent access controls, share access, or download content in breach of these Terms may lead to immediate suspension without refund, in addition to the remedies in section A5.11.

A14. Prices, payment and taxes

A14.1 Prices are displayed in Tunisian dinar (TND), US dollar (USD) or euro (EUR), depending on the product and the country of the purchaser. The currency applicable to your order is the one shown at checkout. Prices may be shown exclusive or inclusive of tax; the applicable treatment is indicated at checkout and on the invoice.

A14.2 Applicable taxes, including Tunisian value added tax where due, are added or included as indicated. Business customers established outside Tunisia are responsible for any tax, withholding, customs duty or levy applicable in their jurisdiction. Where a valid exemption applies, the customer must provide the supporting documentation before invoicing.

A14.3 Payment may be made by payment card, bank transfer or any other method offered at checkout. Corporate customers may be invoiced subject to prior agreement and credit approval. Payment is deemed made when the funds are received in full, net of bank charges.

A14.4 Unless otherwise agreed, invoices are payable within the period stated on the invoice. Late payment may result in suspension of access, late-payment interest at the legal rate, and recovery costs. Access to a paid service may be suspended where an invoice remains unpaid after a written reminder.

A14.5 We may change our prices at any time. A price change does not affect an order already confirmed. For subscriptions and renewals, we give at least 30 days’ notice of a price increase, and you may cancel before the renewal takes effect.

A14.6 Currency conversion costs and bank charges are borne by the payer. Where a refund is made in the original currency, exchange-rate differences between the date of payment and the date of refund are not reimbursed.

A14.7 Invoices are issued electronically in a durable format and are valid without a handwritten signature. You agree to receive invoices and receipts by e-mail.

A14.8 All refunds, cancellations and withdrawals are governed by Part C, which forms an integral part of these Terms.

A15. Refunds, cancellation and right of withdrawal

A15.1 The conditions under which you may cancel an order, obtain a refund, defer your participation or transfer your place to another person are set out in Part C — Refund and Cancellation Policy. Part C prevails over any general statement about refunds made elsewhere on the Platform or in commercial documentation.

A15.2 In summary, and subject to the detailed rules in Part C: (a) a service that has not started is refundable in full, except for non-refundable items expressly identified at checkout; (b) a service that has started is refundable only in the circumstances and proportions set out in Part C; (c) digital content accessed immediately after payment is not refundable once access has begun, subject to any more favourable statutory right; (d) where MEDSIRAT cancels or substantially changes a service, you may choose a full refund or a transfer.

A15.3 Nothing in Part C restricts the mandatory rights of consumers under the law of their country of residence, including any statutory withdrawal period.

A16. Disclaimers

A16.1 General information. Content published on the Platform — articles, insights, market analyses, guides, tools, event materials — is provided for general information. It does not constitute legal, tax, accounting, financial, investment or medical advice, and must not be relied upon as such. You should obtain professional advice tailored to your situation before acting.

A16.2 Accuracy. We take reasonable care to ensure that information is accurate when published, but we do not warrant that it is complete, current or free from error. Market, regulatory and legal information changes quickly, and content may become outdated without notice.

A16.3 External links. Links to third-party websites, tools and resources are provided for convenience. We do not control them, do not endorse their content, and are not responsible for their practices, including their data processing.

A16.4 Artificial intelligence. Certain content, translations, analyses and tools on the Platform are produced or supported by artificial intelligence systems, always under human review before publication. AI outputs may contain errors or omissions. They are not a substitute for professional judgement, and must not be used as the sole basis for a legal, financial, medical or investment decision.

A16.5 Platform “as is”. Subject to section A17.3, the Platform and free content are provided “as is” and “as available”, without warranty of any kind, express or implied, including fitness for a particular purpose, quiet enjoyment or non-infringement.

A17. Limitation of liability

A17.1 To the fullest extent permitted by applicable law, neither party is liable to the other for indirect or consequential loss, or for loss of profit, revenue, turnover, anticipated savings, business opportunity, goodwill, reputation, or loss or corruption of data, arising out of or in connection with these Terms, even if that loss was foreseeable.

A17.2 Financial cap. Subject to section A17.3, the total aggregate liability of MEDSIRAT arising out of or in connection with an order or engagement is limited to: (a) for a paid service, the total fees paid by you for the specific service giving rise to the claim during the twelve (12) months preceding the event giving rise to liability; (b) for a product purchased on the Platform, the price paid for that product; (c) for the free use of the Platform, one thousand Tunisian dinars (TND 1,000).

A17.3 Nothing in these Terms excludes or limits liability for: death or personal injury caused by negligence; fraud or fraudulent misrepresentation; wilful misconduct; breach of confidentiality; infringement of intellectual property rights; or any liability that cannot be excluded or limited by applicable law, including mandatory consumer rights.

A17.4 Where a breach of confidentiality or of intellectual property rights is established, the cap in section A17.2 does not apply, and liability is limited to the greater of the cap and twice the fees paid for the service concerned.

A17.5 Each provision of this section operates separately. If one is held unenforceable, the others remain in force.

A18. Your indemnity

A18.1 You agree to indemnify and hold harmless MEDSIRAT, its officers, employees and agents against claims, damages, losses, liabilities and reasonable costs (including legal costs) arising from: (a) your breach of these Terms; (b) User Content you submit that infringes the rights of a third party or is unlawful; (c) your misuse of the Platform or of Training Material; (d) your breach of a third party’s confidentiality or intellectual property rights.

A18.2 This indemnity does not apply to the extent that the claim results from MEDSIRAT’s own negligence, breach or wilful misconduct, and it does not apply to consumers acting in that capacity where the law prohibits such an undertaking.

A19. Confidentiality

A19.1 Definition. “Confidential Information” means any non-public information disclosed by one party to the other in connection with the Platform or a service, in any form, including business plans, financial data, client lists, pricing, methodologies, Training Material, assessment content, personal data, and the existence and content of negotiations.

A19.2 Obligations. Each party must use Confidential Information only for the purposes of the relationship, protect it with at least reasonable care, and disclose it only to personnel and advisers who need to know and are bound by equivalent obligations.

A19.3 Exclusions. Confidentiality does not apply to information that is or becomes public without breach; was lawfully known before disclosure; is received from a third party without breach; or is independently developed without use of the Confidential Information.

A19.4 Legal disclosure. A party required by law, regulation or a competent authority to disclose information must, where lawful, notify the other party in advance and limit the disclosure to what is required.

A19.5 Duration. These obligations apply during the relationship and for five (5) years after it ends. Trade secrets and personal data remain protected for as long as they retain that character.

A19.6 Return and destruction. On request or at the end of the relationship, each party returns or destroys the other’s Confidential Information, subject to legal retention obligations and to archival backups.

A20. Force majeure

A20.1 Neither party is liable for a failure or delay in performance caused by an event beyond its reasonable control, including natural disaster, epidemic or pandemic, war, civil unrest, terrorism, government action or restriction, strike, general failure of public networks or electricity, or a cyber-attack that could not have been prevented by reasonable security measures.

A20.2 The affected party must notify the other in writing without undue delay, describing the event and its expected effect. Performance is suspended for the duration of the event.

A20.3 If the event continues for more than sixty (60) days, either party may terminate the affected service by written notice, without penalty. MEDSIRAT will refund any amount received for services not delivered, and each party bears its own costs.

A21. Duration, suspension and termination

A21.1 These Terms apply for as long as you use the Platform or hold an account, and survive for the period necessary to give effect to their provisions after that.

A21.2 We may suspend or terminate your access with immediate effect, by written notice, where you materially breach these Terms (including non-payment, misuse, fraud or infringement), where we are required to do so by law, or where continuing the relationship would expose MEDSIRAT, its staff or other users to a security, legal or reputational risk. Where the breach is capable of remedy, we normally give you a reasonable opportunity to remedy it.

A21.3 You may stop using the Platform at any time and close your account under section A2.5. Closure does not entitle you to a refund except as provided in Part C.

A21.4 Effect of termination. Termination does not affect rights and obligations accrued before it, including payment for services delivered, confidentiality, intellectual property, liability and dispute resolution. Provisions which by their nature survive termination remain in force.

A21.5 Where MEDSIRAT terminates for convenience a service that is in progress and not affected by your breach, it refunds the price of the undelivered part of the service.

A22. Changes to these Terms

A22.1 We may update these Terms to reflect changes in our services, in technology, or in applicable law. The version in force is the one published on the Platform, with its version number and effective date.

A22.2 Where a change is material, we will notify you at least thirty (30) days before it takes effect, by e-mail to the address associated with your account and by a notice on the Platform. If you do not accept the change, you may stop using the Platform and, where the change materially disadvantages you in a service already paid for, request a refund of the undelivered part.

A22.3 An order is governed by the version of the Terms in force on the date the order is confirmed, unless the parties agree otherwise in writing.

A23. Governing law and dispute resolution

A23.1 These Terms and any non-contractual obligation arising out of or in connection with them are governed by Tunisian law, to the exclusion of its conflict-of-laws rules.

A23.2 Amicable settlement. Before starting court proceedings, the parties will attempt in good faith to resolve the dispute. The claimant sends a written notice describing the facts, the claim and the relief sought. The parties then have thirty (30) days to reach an agreement. This step is not required where urgent interim relief is sought.

A23.3 Jurisdiction. Subject to section A23.4, the courts of Tunis have exclusive jurisdiction over any dispute arising out of or in connection with these Terms.

A23.4 Consumers. A consumer may bring proceedings before the courts of the place where the consumer is domiciled, where mandatory consumer protection rules so provide, and may contact the consumer protection authority of their country of residence. Nothing in this section prevents a consumer from exercising statutory rights before an administrative or consumer body.

A23.5 Interim relief. Either party may apply to a competent court for interim or protective measures without waiving the dispute resolution provisions.

A23.6 Language. These Terms are published in English, French and Arabic. In case of discrepancy between the language versions, the French version prevails, except where mandatory law in the consumer’s country of residence requires otherwise. [[TO CONFIRM with counsel]]

A24. General provisions

A24.1 Entire agreement. These Terms, together with any signed engagement document and the Schedules, constitute the entire agreement between the parties on their subject matter, and supersede prior discussions and representations, except in case of fraud.

A24.2 Severability. If a provision is held invalid or unenforceable, it is deemed modified to the minimum extent necessary to make it enforceable, or severed; the remaining provisions continue in full force.

A24.3 No waiver. A failure or delay in exercising a right is not a waiver of that right. A waiver is effective only if given in writing.

A24.4 Assignment. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. MEDSIRAT may assign them to an affiliate or to a successor in the context of a restructuring, merger or transfer of business, provided your rights are not reduced.

A24.5 Independent parties. The parties are independent. Nothing in these Terms creates a partnership, joint venture, agency, franchise or employment relationship.

A24.6 Notices. Notices to MEDSIRAT must be sent by e-mail to the address indicated in section A25 and, where required, by registered mail to the registered office. Notices to you are sent to the e-mail address associated with your account, or published on the Platform where the matter affects all users.

A24.7 Electronic communication. You agree to receive communications and contracts electronically. Electronic records are admissible as evidence under the conditions of applicable law.

A24.8 Third-party rights. Except for affiliates and personnel of MEDSIRAT acting on its behalf, no third party has any right to enforce these Terms.

A24.9 Survival. Sections A5, A6, A17, A18, A19, A23 and A24 survive termination or expiry.

A25. Contact and complaints

A25.1 Contact addresses for each matter are listed below. A complaint about a service should be sent in writing, describing the facts and the remedy sought. We acknowledge receipt within five (5) working days and aim to respond substantively within thirty (30) days.

Matter	Address
General information and orders	contact@medsirat.com
Legal, contracts and disputes	legal@medsirat.com
Privacy, data protection and CCTV	privacy@medsirat.com
Information security and incident reporting	security@medsirat.com
Intellectual property and infringement notices	ip@medsirat.com
Recruitment and applications	hr@medsirat.com
Academy, assessment and certification	academy@medsirat.com
Events and registrations	events@medsirat.com
Ventures and investor relations	ventures@medsirat.com
Registered office	12 Rue Ahmed Boukhari, Cité Mahrajène, Tunis, Tunisia
Telephone	+216 23 999 001 / +216 29 926 386

 

 

A25.2 If you are not satisfied with our response, and you are a consumer, you may contact the consumer protection authority of your country of residence, or the Tunisian Ministry of Trade and Export Development, without prejudice to your right to bring proceedings before a competent court.

 

Privacy and Data Protection Policy

 How MEDSIRAT collects, uses, shares, retains and protects personal data across its websites, programmes, events, recruitment and premises.

B1. Who is responsible for your data

B1.1 Data controller. MEDSIRAT, a company established at 12 Rue Ahmed Boukhari, Cité Mahrajène, Tunis, Tunisia, registered under number [[TO CONFIRM: RC number]], is the controller of the personal data described in this policy. This means that MEDSIRAT determines why and how the data is processed, and is accountable for it.

B1.2 Contact points. Privacy questions, requests to exercise your rights, objections and complaints: privacy@medsirat.com. Postal address: Data Protection Contact, MEDSIRAT, 12 Rue Ahmed Boukhari, Cité Mahrajène, Tunis, Tunisia.

B1.3 Data Protection Officer. MEDSIRAT has designated a data protection contact person responsible for monitoring compliance with this policy: [[TO CONFIRM: name and title, or “the role is currently held by the Chief Operating Officer”]]. The contact person may be reached at privacy@medsirat.com.

B1.4 Joint and separate processing. Where MEDSIRAT delivers a programme with a partner institution, or hosts an event with a co-organiser, the respective roles are set out in the registration notice for that programme or event. Where MEDSIRAT acts on the instructions of a corporate client (for example, delivering an in-company programme to the client’s employees), MEDSIRAT acts as a processor for the data the client controls, and the client’s privacy notice applies to that processing in addition to this policy.

B1.5 Scope. This policy covers all personal data processed through medsirat.com, ventures.medsirat.com, academy.medsirat.com and their subdomains, the learner and client portals, the learning management system, event and recruitment pages, our e-mail and telephone exchanges, our offices and CCTV systems, and our in-person training and coaching activities.

B2. Legal framework and principles

B2.1 Tunisian law. Personal data is processed in accordance with Organic Law No. 2004-63 of 27 July 2004 on the protection of personal data, its implementing decrees, and the decisions of the National Authority for the Protection of Personal Data (INPDP). Tunisia ratified Convention 108 of the Council of Europe in 2017.

B2.2 Other laws that may apply. Where MEDSIRAT offers services to persons in the European Union, or monitors their behaviour, the General Data Protection Regulation (EU) 2016/679 (“GDPR”) applies to that processing in addition to Tunisian law. Where MEDSIRAT processes data of persons in other jurisdictions, the mandatory local rules also apply, including their rules on consent, marketing and cross-border transfers.

B2.3 Principles. We process personal data lawfully, fairly and transparently; for specified, explicit and legitimate purposes; in a manner adequate, relevant and limited to what is necessary; accurately and kept up to date; for no longer than necessary; and with appropriate security and confidentiality.

B2.4 Prior formalities. Certain processing operations are declared to, or authorised by, the INPDP, including video surveillance and transfers of data outside Tunisia. The references of the declarations and authorisations are recorded in our internal register and are available on request. [[TO CONFIRM: INPDP declaration numbers]]

B3. What data we collect

B3.1 We collect the categories of data described in the table below. We collect only what is necessary for the purpose concerned, and we indicate on each form whether a field is mandatory.

Category	Examples	Collected when
Identity and contact	Name, professional title, organisation, e-mail address, telephone number, country, language preference.	Contact form, newsletter, account creation, order, event registration.
Account and authentication	Login identifier, encrypted password, session data, multi-factor authentication data, consent records.	Account creation and use of the portal.
Professional and application data	CV, diplomas, certifications, employment history, references, cover letter, salary expectations, interview notes.	Job application, consultant registration, certification eligibility check.
Enrolment and learning records	Programme enrolled, cohort, attendance, progress, module completion, submissions, discussion contributions.	Enrolment and use of the learning platform.
Assessment and certification	Marks, credits, examination results, assessor feedback, certificate identifier, verification status, appeal records.	Assessment, certification, verification.
Payment and billing	Billing name and address, tax identifier, purchase order number, masked card data or payment token, transaction history, invoice records.	Order and payment.
Coaching records	Session dates, attendance, coaching goals and themes, coachee notes, aggregate progress indicators.	Coaching engagement.
Entrepreneur and venture data	Project description, pitch deck, financial model, cap table, intellectual property summary, team, funding needs.	Ventures application, Siratify programme, data room access.
Investor data	Identity, organisation, investment thesis, ticket size, sector preferences, portfolio, contact details.	Investor registration, introductions.
Event data	Registration details, dietary or accessibility requirements where offered, attendance, questions submitted, photographs or recordings.	Event registration and attendance.
Communications	E-mails, messages, call notes, complaints, requests, feedback and survey responses.	Any interaction with us.
Technical and usage	IP address, device and browser, operating system, pages viewed, referring URL, session identifiers, approximate location derived from IP.	Browsing the Platform, subject to B6.
Video surveillance	Images captured by CCTV in entrances, reception, corridors, parking and secure areas; date and time.	Entering or approaching our premises.
Marketing preferences	Subscription choices, topics of interest, engagement with campaigns, opt-out records.	Newsletter subscription, webinar registration, client relationship.

 

 

B3.2 Sources. We collect data directly from you (forms, applications, orders, meetings, correspondence), automatically (technical and usage data, cookies), from your organisation (where it enrols you or pays for you), from assessment providers and certification bodies, from publicly available professional sources (professional networks, company websites) where relevant to a legitimate purpose, and from references you designate.

B3.3 Sensitive data. We do not seek special categories of data (health, biometrics, religious or political opinions, sexual orientation, trade union membership) and do not ask for them through the Platform. Where a specific service lawfully requires such data — for example an accessibility accommodation for an examination — it is collected separately, with explicit consent, restricted access and a defined retention period. Do not include sensitive data in free-text fields or attachments.

B3.4 Data relating to criminal offences. We do not systematically collect such data. Where a regulated service or a compliance obligation requires a background check, it is carried out only where permitted by law, on final candidates or counterparties, with prior information and consent, and through a lawful provider.

B4. Why we process your data and on what basis

B4.1 Each processing operation rests on a legal basis recognised by Law 2004-63 (your consent, the performance of a contract, compliance with a legal obligation, the protection of vital interests, or a public interest) and, where the GDPR applies, on the corresponding basis listed below. Where consent is the basis, it may be withdrawn at any time, without affecting processing carried out before withdrawal.

Purpose	Data used	Legal basis
Respond to enquiries and requests for information	Identity, contact, message	Consent; legitimate interest in responding
Create and administer accounts, authenticate users	Account and authentication	Contract
Deliver training, coaching, consulting and certification	Identity, enrolment, assessment, coaching records	Contract
Assess applications and manage recruitment	Professional and application data	Consent; legitimate interest; pre-contractual steps
Process orders, payments, invoices and accounting	Payment and billing	Contract; legal obligation
Register and manage events	Event data	Consent; contract
Evaluate ventures and facilitate investor introductions	Entrepreneur and investor data	Consent; contract; legitimate interest
Publish newsletters and commercial communications	Contact, preferences	Consent; soft opt-in for existing clients, with opt-out
Improve the Platform, measure audience and diagnose faults	Technical and usage	Consent (non-essential cookies); legitimate interest (security, availability)
Protect people, property and confidential information (CCTV)	Video images	Legitimate interest in security; prior INPDP authorisation
Prevent fraud, misuse and infringement; secure the Platform	Account, technical, transaction	Legitimate interest; legal obligation
Comply with legal, tax, accounting and regulatory obligations; respond to authorities	All relevant categories	Legal obligation
Establish, exercise or defend legal claims	All relevant categories	Legitimate interest; legal obligation

 

 

B4.2 Legitimate interest. Where we rely on legitimate interest, we carry out a balancing assessment and apply safeguards (minimisation, retention limits, access restrictions, right to object). You may obtain a summary of the assessment for a given processing operation by writing to privacy@medsirat.com.

B4.3 No sale. MEDSIRAT does not sell, rent or trade personal data. We do not use your data to build profiles for third-party advertising, and we do not share your data with advertisers.

B4.4 Marketing. We send commercial communications only where you have subscribed, where you are an existing client and the message concerns similar services, or where the law otherwise permits. Every message contains an unsubscribe link. Withdrawal of consent for marketing does not affect the delivery of a service you have purchased.

B5. Cookies and similar technologies

B5.1 The Platform uses cookies and similar technologies to operate the session, remember your language and preferences, measure audience and, where you consent, support marketing.

B5.2 Strictly necessary cookies are set without consent because they are required for the Platform to function (session management, security tokens, load balancing, language selection). All other cookies are set only after you have given consent through the cookie banner, and you may change or withdraw your choices at any time through the “Cookie settings” link in the footer.

B5.3 Refusing non-essential cookies does not prevent access to the Platform; it may limit certain features, such as embedded videos or usage statistics.

B5.4 The categories of cookies, their purposes and their retention periods are listed in Schedule 2. Third-party providers acting as our processors are identified there.

B5.5 We do not use cookies to collect sensitive data, and we honour the browser signals we are technically able to process.

B6. Video surveillance at our premises

B6.1 Purpose. CCTV is used to protect the safety of employees, visitors and clients, to protect property and equipment, and to safeguard the confidential documents and client information held at our offices. It is not used to monitor work performance, to control access to social areas, or for any other purpose.

B6.2 Location. Cameras cover entrances, reception, corridors, stairwells, parking areas and secure technical or archive rooms. No camera is placed in individual offices, meeting and coaching rooms, prayer rooms, sanitary facilities, changing areas or rest areas. Cameras are positioned so as not to film the interior of neighbouring premises.

B6.3 No audio. The system records images only. Audio recording is disabled and prohibited.

B6.4 Information. A visible and permanent notice is displayed at each entrance and in reception. Employees are informed individually and through the internal rules; visitors are informed by the notice and may request additional information at reception.

B6.5 Retention. Recordings are retained for 30 days and then automatically overwritten, except where they must be preserved for an incident, a claim, an investigation or a legal obligation. Preserved extracts are limited to what is necessary and kept for the duration of the relevant procedure, then destroyed.

B6.6 Access and disclosure. Only authorised persons (security lead, managing director, and — where relevant — the person responsible for a specific investigation) may access recordings, and each access is logged. Recordings are disclosed only to the data subject (subject to the rights of others visible in the image), to competent authorities where legally required, to insurers, lawyers or experts for the establishment or defence of a claim, or with the consent of the persons concerned. Recordings are never shared for commercial purposes.

B6.7 Legal basis and authorisation. Processing relies on the legitimate interest of MEDSIRAT in ensuring the security of persons and property, and is covered by the prior authorisation of the INPDP required by Organic Law No. 2004-63. Authorisation reference: [[TO CONFIRM: number and date]].

B6.8 Your rights. You may request access to images in which you appear, request their deletion where lawful, or object to the processing. Requests should be sent to privacy@medsirat.com, with proof of identity and, where possible, the date and approximate time of the recording. Images of other persons may be blurred before communication. Where an objection cannot be satisfied for security reasons, we will explain the reasons in writing.

B6.9 External cameras and body-worn devices. MEDSIRAT does not use body-worn cameras or drones. Where an event is filmed for communication purposes, section A8.6 applies, and the filming is distinct from security CCTV.

B7. Entrepreneurs and investors: confidential deal information

B7.1 Two communities, two expectations. The Ventures Services involve entrepreneurs who share sensitive business information and investors who share their identity and investment preferences. MEDSIRAT applies a graduated confidentiality model to both.

B7.2 Classification. Venture information is classified at intake in three tiers: public (name, sector, one-line description, stage); confidential (business plan, financial model, commercial traction); restricted (cap table, intellectual property details, personal financial data, legal disputes). Access rights are granted tier by tier.

B7.3 Sharing with investors. Confidential and restricted materials are shared with an investor only (a) with the entrepreneur’s consent, given for that investor or for a named data room, or (b) after the investor has accepted a written confidentiality undertaking. Access to a data room is authenticated and logged. We may refuse access where confidentiality cannot reasonably be protected.

B7.4 Sharing with entrepreneurs. Investor identity, thesis, ticket size, portfolio and contact details are not disclosed to an entrepreneur without the investor’s consent, except in aggregated and anonymised form (for example, “three funds active in agritech at seed stage”).

B7.5 Aggregated reporting. MEDSIRAT may publish anonymised statistics on deal flow, sectors, stages and outcomes, provided no individual or venture can be re-identified.

B7.6 Retention. Pitch materials are retained for 24 months after the last interaction, unless the entrepreneur requests earlier deletion or a longer relationship is agreed. Data-room access logs are kept for the duration of the room plus 24 months.

B7.7 Confidentiality versus legal duties. Confidentiality is subject to legal disclosure obligations, including anti-money-laundering, sanctions and judicial requests. Where disclosure is required, we limit it to what is legally necessary and, where lawful, inform the person concerned.

B7.8 No sensitive data. Identity documents, bank details and health data must not be uploaded through pitch forms. A secure channel is provided where such documents are required.

B8. Candidates and recruitment

B8.1 Data collected during recruitment is used to assess your application, communicate with you, verify the information you provide for final candidates, and — unless you object — consider you for future opportunities.

B8.2 Applications are accessible only to the recruitment team and to the managers involved in the relevant recruitment. Interview notes are factual and proportionate.

B8.3 Retention: 24 months from the end of the recruitment process. You may request earlier deletion at any time. Where you are recruited, the application file becomes part of your personnel file.

B8.4 Automated support tools may be used to sort applications by criteria related to the position. They assist human reviewers and do not produce a rejection decision on their own.

B8.5 We do not request payment, bank details or identity documents at application stage, and we never ask for payment as a condition of recruitment.

B9. Learners, assessment records and certificate verification

B9.1 Enrolment and learning records are processed to deliver the programme, track progress, issue certificates and comply with our quality and accreditation obligations.

B9.2 Assessment records, including marks, assessor comments and appeal files, are retained for ten (10) years after certification or the end of the programme, in order to be able to re-issue a certificate, respond to verification requests and defend a challenge.

B9.3 Public verification. Our certificate verification service displays a limited set of data: the holder’s name, the programme, the award date, the certificate identifier and the status (valid, expired, revoked). It does not display marks, contact details or any other personal data. Verification is available to anyone holding the certificate identifier, because the purpose of the service is to allow employers and institutions to confirm authenticity. You may not opt out of the register for a valid credential, but you may request that a specific display be corrected.

B9.4 Where a programme is delivered with a partner or an awarding body, assessment data may be shared with that partner for certification and quality assurance, under a written agreement.

B9.5 Recordings of live sessions, where made, are used for learning and quality purposes, are accessible only to the cohort and the faculty, and are retained for the duration of the access period.

B10. Who receives your data

B10.1 We share personal data only where necessary, and only with recipients bound by confidentiality and, where applicable, by a data processing agreement.

Recipient	Purpose	Location
Odoo hosting and support provider	Operation of the websites, CRM, e-commerce and invoicing	[[TO CONFIRM: hosting country]]
Learning management system provider	Delivery of e-learning, progress tracking, assessments	[[TO CONFIRM]]
Payment service providers and banks	Processing payments, fraud prevention, refunds	[[TO CONFIRM]]
E-mail, CRM and marketing platform	Transactional and commercial communications	[[TO CONFIRM]]
Video conferencing provider	Delivery of live online sessions and webinars	[[TO CONFIRM]]
Analytics provider	Audience measurement, subject to consent	[[TO CONFIRM]]
Cloud storage and backup provider	Secure storage of documents and recordings	[[TO CONFIRM]]
Accountants, auditors, lawyers, insurers	Accounting, audit, legal advice, insurance	Tunisia / [[TO CONFIRM]]
Certification partners and examiners	Assessment, moderation, certification	[[TO CONFIRM]]
Corporate client or sponsor	Reporting on a programme it has commissioned, in aggregated or agreed form	Client location
Investors (Ventures)	Review of a venture, with the entrepreneur’s consent or under NDA	Investor location
Competent authorities	Where required by law, a court order or a regulatory request	Tunisia / other

 

 

B10.2 Processors. Each processor acts on our documented instructions, implements appropriate security, assists us with data subject requests, notifies us of breaches, and deletes or returns data at the end of the engagement. A summary of these obligations is set out in Schedule 4.

B10.3 Corporate clients. Where a corporate client purchases seats for its employees, it receives attendance, completion and — where the programme provides for it — assessment results for its participants. Coaching content is not disclosed to the sponsoring organisation; only attendance and aggregate themes are reported.

B10.4 Business transfers. In the context of a merger, acquisition, restructuring or transfer of assets, data may be transferred to the successor entity, subject to equivalent protection and to prior information of the persons concerned where required.

B11. Transfers outside Tunisia

B11.1 Some of our providers or partners may process data outside Tunisia. Under Organic Law No. 2004-63, a transfer of personal data abroad requires an authorisation from the INPDP, and is permitted only where the destination country ensures an adequate level of protection.

B11.2 Before any transfer, we verify whether the destination is recognised as adequate by the INPDP. Where it is not, we implement appropriate safeguards (contractual clauses, binding corporate rules of the provider, specific security measures) and obtain the required authorisation.

B11.3 Transfers necessary for the performance of a contract with you, or made with your explicit consent, are carried out under the conditions and with the formalities required by law.

B11.4 The countries in which our main providers process data are listed in section B10.1. That list is updated when a provider changes. [[TO CONFIRM after provider selection]]

B11.5 For persons in the European Union, where data is transferred outside the EEA, we rely on an adequacy decision of the European Commission or on standard contractual clauses, supplemented where necessary by transfer impact assessments.

B12. How long we keep your data

B12.1 We keep personal data only for as long as necessary for the purpose for which it was collected, to comply with a legal obligation, or to establish, exercise or defend a legal claim. At the end of the period, data is deleted or irreversibly anonymised.

Data	Retention period
Contact enquiries and requests	3 years from the last exchange
Account data	Duration of the account, then 12 months
Enrolment and learning records	10 years after the end of the programme
Assessment records and transcripts	10 years after certification
Certificate register (verification data)	Permanent, for the validity of the credential and its history
Coaching notes	Duration of the engagement, then 3 years
Job applications	24 months after the end of the recruitment process
Event registrations	3 years after the event
Entrepreneur and investor files	24 months after the last interaction
CCTV recordings	30 days, unless preserved for an incident or a claim
Invoices and accounting records	10 years (legal obligation)
Contracts and engagement documents	10 years after the end of the contract
Marketing consent and opt-out records	Duration of the subscription, then 3 years as proof
Technical logs and security logs	12 months, unless required for an investigation
Cookies and analytics identifiers	As stated in Schedule 2, maximum 14 months

 

 

B13. How we protect your data

B13.1 We implement technical and organisational measures appropriate to the risk, including: access control based on roles and least privilege; strong authentication, including multi-factor authentication for administrative access; encryption of data in transit; encryption of sensitive stores and backups; logging and monitoring of administrative actions; regular backups with restoration tests; segregation of production and test environments; and physical security of premises and archives.

B13.2 Personnel with access to personal data are bound by confidentiality, receive training on data protection and security, and are subject to disciplinary measures in case of breach.

B13.3 Providers are selected on the basis of documented security commitments, are assessed before engagement and periodically thereafter, and are contractually bound to notify us of any incident.

B13.4 Despite these measures, no system is entirely secure. You are responsible for protecting your credentials and for notifying us promptly of any suspected compromise.

B14. Security incidents and data breaches

B14.1 A personal data breach is any security incident leading to the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, personal data.

B14.2 Incidents are recorded, contained and assessed without undue delay by the designated security lead, with the support of the data protection contact person.

B14.3 Where a breach is likely to result in a risk to the rights and freedoms of persons, we notify the INPDP without undue delay, and within 72 hours where the GDPR applies. Where the risk is high, we also inform the persons concerned without undue delay, describing the nature of the breach, the likely consequences, the measures taken, and the contact point for further information.

B14.4 Where MEDSIRAT acts as a processor for a corporate client, we notify the client without undue delay so that it can fulfil its own notification obligations.

B14.5 Incidents and the measures taken are reviewed after resolution, and lessons learned are integrated into our security programme.

B15. Your rights

B15.1 Subject to the conditions of applicable law, you have the right to:

•      access your personal data and obtain a copy, together with information on the processing;

•      rectify inaccurate or incomplete data;

•      erase data where it is no longer necessary, where processing is unlawful, or where you withdraw consent and no other basis applies, subject to legal retention obligations;

•      restrict processing while a request is being examined or where processing is contested;

•      object to processing based on legitimate interest, and in particular to direct marketing, at any time and without justification;

•      withdraw consent at any time where processing is based on consent, without affecting the lawfulness of prior processing;

•      data portability, where the GDPR applies, for data you provided and that is processed by automated means on the basis of consent or contract;

•      not be subject to a decision based solely on automated processing producing legal effects concerning you or significantly affecting you;

•      lodge a complaint with the INPDP, or with the supervisory authority of your country of residence, and to seek a legal remedy before the competent courts.

B15.2 How to exercise your rights. Send your request to privacy@medsirat.com, or by post to the address in B1.2. State the right you wish to exercise and the context (account, programme, event, visit to the premises). We may ask for proof of identity where there is reasonable doubt about the identity of the requester; we will not use that request to collect more data than necessary.

B15.3 Response time. We respond within one (1) month of receiving a complete request. That period may be extended by two months where the request is complex or where we receive a large number of requests; we will inform you of the extension and the reasons within the first month.

B15.4 Cost. Requests are handled free of charge. Where a request is manifestly unfounded or excessive, in particular because of its repetitive character, we may charge a reasonable fee or refuse to act, giving reasons.

B15.5 Refusal. Where a request cannot be granted, we explain the reasons and inform you of your right to complain to the INPDP and to seek a judicial remedy.

B16. Minors

B16.1 The Platform is not directed at children under 16. We do not knowingly collect data of children under 16 without the consent of a parent or guardian.

B16.2 Where a programme is intended for minors, the registration form requires the consent of a parent or guardian, and the data collected is limited to what is necessary for the programme.

B16.3 If you believe that a child has provided personal data without the required consent, contact privacy@medsirat.com and we will delete it promptly.

B17. Third-party sites, social networks and embedded content

B17.1 The Platform contains links to third-party sites and may embed content from third-party providers (video players, social networks, maps, scheduling tools). When you interact with that content, the third party may collect data under its own policy.

B17.2 Embedded content is configured, where technically possible, in a privacy-enhanced mode that prevents the deposit of cookies before your interaction. Otherwise, the embed is loaded only after your consent.

B17.3 Our pages on social networks are operated under the terms of those networks, which may act as joint controllers for certain statistics. We invite you to read their privacy policies.

B18. Automated processing and artificial intelligence

B18.1 MEDSIRAT uses artificial intelligence tools to support content production, translation, transcription, audience analysis and candidate sourcing. These tools are used under human supervision.

B18.2 No decision producing legal effects concerning you, or significantly affecting you, is taken on the sole basis of automated processing. Where an automated tool contributes to a decision (for example, ranking applications), a human reviewer examines the result before any decision is taken, and you may request human intervention.

B18.3 We do not use your personal data, your assessment submissions or your Training Material to train general-purpose artificial intelligence models, and we do not authorise our providers to do so. [[TO CONFIRM: provider settings and contractual commitments]]

B18.4 Where a tool processes data outside Tunisia, the transfer rules in section B11 apply.

B19. Changes to this policy

B19.1 This policy may be updated to reflect changes in our activities, in our providers, or in applicable law. The version in force is published on the Platform with its version number and effective date.

B19.2 Where a change materially affects your rights, we notify you at least thirty (30) days before it takes effect, by e-mail or by a prominent notice on the Platform.

B19.3 The previous versions are archived and available on request from privacy@medsirat.com.

 

Refund and Cancellation Policy

When an order can be cancelled, when money is returned, and in what proportion — product by product.

C1. Purpose and principles

C1.1 This policy defines the conditions under which you may cancel an order, obtain a refund, defer your participation, transfer your place to another person, or receive a credit note, for services purchased from MEDSIRAT through any of its websites or directly from its teams.

C1.2 The policy rests on four principles: (a) before delivery, you are refunded — as long as the service has not started, the price is returned in full, except for items expressly identified as non-refundable at checkout; (b) after delivery has started, the refund reflects what has been consumed; (c) digital content accessed immediately is not refundable once access has begun, subject to any more favourable statutory right; (d) if MEDSIRAT cancels or substantially changes a service, you choose between a full refund and a transfer, without penalty.

C1.3 This policy applies without prejudice to mandatory consumer protection rules, including any statutory right of withdrawal. Where such a right applies and is more favourable, it prevails.

C2. Key concepts

C2.1 Order date. The date on which we issue the order or enrolment confirmation, or the date on which payment is received, whichever is later.

C2.2 Start of delivery. Delivery starts at the earliest of the following events, depending on the product: (a) the first access to a digital module by the learner; (b) the first live session of a cohort; (c) the first day of an in-person course; (d) the first coaching session; (e) the start date of a consulting engagement or the first hour worked, whichever is earlier; (f) the opening of the event check-in; (g) the booking of an examination window.

C2.3 Access. A learner is deemed to have accessed a digital module when the module is opened from the learner account, even if the content is not completed. Opening the platform, the catalogue or a free preview does not constitute access to a paid module.

C2.4 Consumption. For a multi-session product, consumption is measured by the number of sessions delivered or attended, by the proportion of modules completed, or by the milestones accepted in the statement of work, according to the product.

C2.5 Business day. Monday to Friday, excluding Tunisian public holidays.

C3. Your statutory rights

C3.1 Tunisia. Tunisian consumer protection law grants consumers specific rights in relation to distance contracts and to services that are not performed as agreed. Where those rights apply, they prevail over this policy, and our customer service will apply them without requiring you to invoke them.

C3.2 European Union consumers. Where you are a consumer resident in the European Union and the contract is concluded at a distance, you benefit from a fourteen (14) day right of withdrawal from the day of conclusion of the contract, without having to give reasons, under Directive 2011/83/EU as implemented in your country.

C3.3 Digital content exception. The right of withdrawal does not apply to digital content supplied immediately after purchase where you have given your prior express consent to immediate performance and have acknowledged that you thereby lose your right of withdrawal. We obtain that consent and acknowledgement at checkout, through a separate, unticked checkbox. Where you do not give that consent, access is not opened immediately and the statutory withdrawal period applies.

C3.4 Services performed on your instruction. Where you ask us to begin a service during the withdrawal period, you remain entitled to withdraw, but you must pay for the part of the service actually performed. We calculate that amount on a pro rata basis, and never at a rate higher than the proportion delivered.

C3.5 Other jurisdictions. Where the law of your country of residence grants a longer withdrawal period or additional rights, those rights apply to your order.

C3.6 How to withdraw. You may use the model form in Schedule 5, or simply send a clear statement to contact@medsirat.com or to refunds@medsirat.com. We acknowledge receipt and refund within fourteen (14) days of the withdrawal, using the same means of payment as used for the initial transaction, unless you expressly agree otherwise. No fee is charged for the refund.

C4. Refund matrix

C4.1 The table below summarises the position for each product. The detailed rules follow in section C5 and prevail over the table in case of doubt.

Product	Before start of delivery	After start of delivery
Self-paced e-learning module	Full refund within 14 days of purchase, provided the module has not been accessed.	No refund once access has begun, unless the module is defective or not as described (C5.1).
Live online cohort / in-person course	Full refund if cancelled 15 days or more before the first session; 50% between 14 and 8 days.	No refund from 7 days before the start, or after the first session (C5.2).
Certification programme (tuition)	Full refund 30 days or more before the start; 50% between 29 and 15 days.	No refund from 14 days before the start (C5.3).
Examination / assessment fee	Refundable if the examination window has not been booked.	Non-refundable once the window is booked; one deferral permitted (C5.3).
Coaching package	Full refund before the first session.	Unused sessions refundable pro rata, less one session, within 30 days of the request (C5.4).
Consulting engagement	Full refund of prepayments not yet committed, less work performed and non-cancellable costs.	Milestones delivered are payable; the remainder is refundable (C5.5).
In-company / corporate programme	Full refund 30 days or more before the start; 75% between 29 and 15 days; 50% between 14 and 8 days.	No refund from 7 days before the start; substitution of participants remains possible (C5.6).
Event ticket	Full refund up to 7 days before the event.	No refund after that date; transfer to another attendee permitted up to 48 hours before (C5.7).
Subscription / membership	No refund for a period already started; cancellation takes effect at the end of the current period.	No pro-rata refund, except where required by law (C5.8).
Books and physical materials	Full refund within 14 days of delivery, unopened and in resaleable condition.	No refund once opened, unless defective (C5.9).
Ventures services and success fees	Refundable before the engagement starts, less work performed.	Non-refundable; success fees are earned when the triggering event occurs (C5.10).

 

 

C5. Detailed rules by product

C5.1 Self-paced e-learning modules

C5.1.1 A self-paced module is refundable in full if you request the refund within 14 days of purchase and before you have accessed any paid module. Once a module has been accessed, the service is deemed delivered and the price is not refundable.

C5.1.2 Where you purchase a bundle of modules, the 14-day rule applies to the bundle as a whole until the first access to any paid module in the bundle. After that, the bundle is not refundable.

C5.1.3 Defective content. If a module is materially defective, inaccessible for a continuous period of more than 15 days attributable to us, or substantially different from its published description, you may request a repair, a replacement module, a credit note or a refund, even after access. We first attempt a remedy within 15 days; if the remedy fails, you receive a refund proportional to the affected part.

C5.1.4 Access problems caused by your equipment, your connection or your failure to meet the published technical requirements do not give rise to a refund. Our support team will assist you in resolving them.

C5.2 Live online cohorts and in-person courses

C5.2.1 For a course or cohort with a scheduled start date, the following scale applies to a cancellation requested by you, calculated in calendar days before the first session:

Notice given	Refund
30 days or more	100%
Between 29 and 15 days	100% (administrative costs of TND 50 may be retained)
Between 14 and 8 days	50%
7 days or fewer	0%
After the first session	0%

 

 

C5.2.2 Instead of a refund, you may request a deferral to the next cohort, at no cost if requested 8 days or more before the start, and subject to a TND 50 administrative fee thereafter. A deferral is granted once per enrolment, and the price of the original cohort is maintained for 12 months.

C5.2.3 You may transfer your place to another person at no cost up to 48 hours before the first session, provided the replacement meets the prerequisites and provides the information needed for registration. The transfer is definitive and does not create a right to a further refund.

C5.2.4 Absence or withdrawal after the start does not give rise to a refund. Where you withdraw for a serious medical reason documented by a practitioner, we offer a deferral to a later cohort or a credit note for the unused part, at your choice.

C5.3 Certification programmes and examinations

C5.3.1 Tuition for a certification programme follows the scale below, calculated before the first day of the programme:

Notice given	Refund
30 days or more	100%
Between 29 and 15 days	50%
14 days or fewer	0%
After the start of the programme	0%

 

 

C5.3.2 Assessment and examination fees are separate from tuition where the programme provides so. They are refundable if the examination window has not been booked. Once a window is booked, the fee is not refundable, but you may defer once to the next available window at no cost if you notify us at least 7 days before the examination, or on production of a medical certificate.

C5.3.3 Retake fees are payable for each additional attempt and are not refundable once the retake window is booked.

C5.3.4 Where a candidate is declared ineligible after enrolment because a prerequisite was not met, and the ineligibility is not attributable to a misrepresentation by the candidate, we refund the tuition less the value of the sessions already delivered. Where the candidate misrepresented their eligibility, no refund is due.

C5.3.5 Where a candidate fails an assessment, the tuition is not refundable. Access to a resit, a remediation session or a further cohort is governed by the programme regulations.

C5.4 Coaching

C5.4.1 A coaching package is refundable in full if cancelled before the first session.

C5.4.2 After the first session, you may cancel at any time. Unused sessions are refunded pro rata, less the value of one session as an administrative contribution, provided the request is made within 30 days of the last session attended. Sessions already delivered are not refundable.

C5.4.3 Sessions cancelled by you with less than 24 hours’ notice are counted as delivered. Sessions cancelled by the coach are rescheduled at no cost or credited.

C5.4.4 Coaching packages expire 12 months after purchase, unless otherwise agreed in writing. Unused sessions at expiry are forfeited, except where the expiry results from our unavailability, in which case they are refunded pro rata.

C5.5 Consulting engagements

C5.5.1 Consulting fees are generally charged on a time-and-materials basis or against milestones defined in the statement of work.

C5.5.2 If you terminate before the engagement starts, we refund all prepayments, less any non-cancellable commitments already incurred on your instructions (for example, travel, licences or subcontracted expertise) and less any work performed during mobilisation.

C5.5.3 If you terminate during the engagement, you pay for the work performed up to the termination date and for non-cancellable commitments; any unused prepayment is refunded within 30 days of the final statement.

C5.5.4 Unless the SOW provides otherwise, either party may terminate an open-ended engagement for convenience with thirty (30) days’ written notice. Fees for the notice period remain due.

C5.5.5 Expenses incurred and approved in advance are reimbursed at cost and are not refundable once committed.

C5.5.6 Where the engagement is terminated for a material breach by MEDSIRAT, you pay only for the deliverables accepted and receive a refund of the balance, without prejudice to any damages.

C5.6 Corporate and in-company programmes

C5.6.1 For a programme delivered for an organisation, the following scale applies, calculated before the first session:

Notice given	Refund
30 days or more	100%
Between 29 and 15 days	75%
Between 14 and 8 days	50%
7 days or fewer	0%

 

 

C5.6.2 Trainer travel, accommodation and venue costs already committed are payable in addition to the retained amount, where they cannot be cancelled.

C5.6.3 Substitution of participants is free at any time before the start, and up to the second session, provided the substitute meets the prerequisites. A change of cohort date requested by the client is treated as a cancellation followed by a new order, unless we agree otherwise in writing.

C5.6.4 Where the client cancels part of a multi-session programme, the price of the sessions delivered is recalculated at the unit rate set out in the proposal, which may be higher than the discounted package rate; the balance is refunded if the recalculated amount is lower than the amount paid.

C5.7 Events

C5.7.1 A paid event ticket is refundable in full if cancelled 7 days or more before the event.

C5.7.2 After that date, the ticket is not refundable, but you may transfer it to another attendee at no cost up to 48 hours before the event, by notifying events@medsirat.com with the replacement’s details. For invitation-only events, transfer requires our agreement and the replacement must meet the invitation criteria.

C5.7.3 Non-attendance without notice (“no-show”) does not give rise to a refund or a credit.

C5.7.4 If MEDSIRAT cancels an event, you may choose a full refund or a credit note for the same amount, valid for 12 months. Refunds are processed within 14 days of the announcement.

C5.7.5 If an event is postponed, your registration is automatically transferred to the new date. If you cannot attend the new date, you may request a full refund within 14 days of the announcement of the new date.

C5.7.6 If an event moves from in-person to online, you may request a refund of the difference between the price paid and the online price, or a full refund if you prefer not to attend online. If the speaker programme changes substantially (more than half of the sessions or the principal speaker), the same option applies.

C5.7.7 Free events may be cancelled or rescheduled without compensation. Travel and accommodation costs are never reimbursed; we recommend flexible bookings.

C5.8 Subscriptions and memberships

C5.8.1 A subscription may be cancelled at any time from the account settings or by writing to contact@medsirat.com. Cancellation takes effect at the end of the current billing period; access continues until that date.

C5.8.2 Amounts already paid for a period in progress are not refunded, except where the law requires it or where the service was not provided.

C5.8.3 Where a subscription is charged automatically, we send a reminder before each renewal and provide a simple cancellation mechanism. A failure to cancel before the renewal date does not create a right to a refund, but we examine first-renewal requests in good faith and may grant a refund where the service has not been used.

C5.9 Books, manuals and physical materials

C5.9.1 Physical materials may be returned within 14 days of delivery, unopened and in resaleable condition, for a full refund of the price. Return shipping costs are borne by you, unless the item is defective or was sent in error.

C5.9.2 Opened manuals, workbooks that include written answers, and personalised printed materials are not returnable, unless defective.

C5.10 Ventures services

C5.10.1 Venture-building, readiness and incubation services are invoiced on the basis set out in the engagement letter, generally by milestone or by monthly retainer.

C5.10.2 Amounts paid for milestones delivered are not refundable. A prepayment for a milestone not yet started is refundable, less any work performed and non-cancellable costs.

C5.10.3 Success fees become due when the triggering event defined in the engagement letter occurs (closing of a financing round, signature of an investment agreement, or completion of a transaction). They are not refundable once due, including where the transaction is later unwound, unless the engagement letter provides otherwise.

C5.10.4 Introductions to investors are not a guaranteed service. No refund is due on the ground that no financing was obtained.

C6. When MEDSIRAT cancels or changes a service

C6.1 We may cancel or postpone a course, cohort, programme or event where: the minimum number of participants is not reached; a trainer or speaker becomes unavailable and no equivalent replacement can be found; a venue becomes unavailable; a force majeure event occurs; or a legal, safety or compliance requirement prevents delivery.

C6.2 Where we cancel, you may choose between: (a) a full refund of the price paid, processed within 14 days of your choice; (b) a transfer to an equivalent programme or a later cohort, at no additional cost and with the price guaranteed for 12 months; or (c) a credit note valid for 12 months.

C6.3 Where we cancel with less than 7 days’ notice, we additionally reimburse documented, non-refundable travel and accommodation costs incurred for an in-person programme, up to a reasonable limit and on presentation of receipts. This reimbursement does not apply where the cancellation results from force majeure or from a government restriction.

C6.4 A change of trainer, of session order, of room within the same venue, or of a minor element of the programme does not constitute a substantial change and does not give rise to a refund.

C7. Transfers, deferrals, substitutions and credit notes

C7.1 A transfer moves your registration to another programme or cohort. It is granted once per order, subject to availability and to the conditions of the product, and the price of the original order is maintained for 12 months.

C7.2 A deferral moves your participation to a later cohort of the same programme, under the conditions of sections C5.2.2 and C5.3.2.

C7.3 A substitution replaces you with another participant. It is free of charge where the product allows it and the substitute meets the prerequisites.

C7.4 A credit note is a voucher valid for 12 months on any MEDSIRAT service. It is personal, non-transferable unless expressly agreed, and may not be exchanged for cash.

C7.5 Transfers, deferrals and credit notes are recorded in your account and confirmed by e-mail.

C8. How to request a refund

C8.1 Send your request to refunds@medsirat.com, or use the refund form in your account, stating: your name, the order or invoice number, the product concerned, the date of purchase, the reason for the request, and the remedy sought (refund, transfer, deferral or credit note).

C8.2 We acknowledge receipt within 5 business days and inform you of our decision within 14 days of receiving the complete request. Where we need additional information, the period runs from the date we receive it.

C8.3 Approved refunds are paid within 14 days of the decision, using the same means of payment as the original transaction, unless you agree to another method. Where the original method is no longer available, we agree with you on an alternative.

C8.4 Refunds are made in the original currency. Exchange-rate differences and bank charges levied by your bank are not reimbursed.

C8.5 Where an order was paid by a company, the refund is made to the same company account, unless the company instructs otherwise in writing.

C8.6 No administrative fee is charged for a refund, except the specific amounts mentioned in sections C5.2, C5.4 and C5.6, which correspond to actual costs incurred.

C9. Chargebacks and disputed payments

C9.1 If you dispute a payment with your bank or card issuer (chargeback), we ask you to contact us first so that we can examine the situation. A chargeback initiated without prior contact may lead to suspension of access while the dispute is examined.

C9.2 Where a chargeback is upheld and the amount is reversed, the corresponding order is cancelled and access is withdrawn. Where the chargeback is found to be unjustified, the amount remains due, together with any bank fees incurred.

C9.3 Repeated abusive refund or chargeback behaviour may lead to refusal of future orders.

C10. Exceptions and misuse

C10.1 No refund is granted where: (a) the request is made after the applicable period; (b) the Training Material has been downloaded, copied or redistributed; (c) access has been shared in breach of section A5.5; (d) the participant has been excluded for misconduct; (e) the certificate has been revoked for fraud; (f) the request concerns a service expressly identified as non-refundable at checkout, subject to mandatory law.

C10.2 Where a refund is granted after the learner has received a certificate, the certificate is cancelled and recorded as such in the verification register.

C10.3 We may refuse a request that is manifestly abusive, in particular where it repeats a pattern of purchase and refund on digital products, subject to your statutory rights.

C11. Complaints and escalation

C11.1 If you are not satisfied with a decision taken under this policy, write to legal@medsirat.com within 30 days, setting out the grounds. Your request is reviewed by a person who did not take the initial decision, and a reasoned answer is given within 30 days.

C11.2 Consumers may also contact the consumer protection authority of their country of residence, or the Tunisian Ministry of Trade and Export Development, and may bring proceedings before a competent court under section A23.

C11.3 This policy does not limit any right you may have to seek a judicial remedy.