Terms of Service

Quaterna

3-2-3 Nagare-naka, Kita-ku, Osaka City 531-0062

Phone: +81 6-6385-2947

Email: info@blossomwaveflorist.com

Last updated: November 26, 2025

Welcome to Quaterna. These Terms of Service govern your access to and use of our website, educational courses, and related services. By accessing or using our services, you agree to be bound by these terms.

Please read these terms carefully before using our services. If you do not agree with any part of these terms, you should not access or use our services.

1. Service Usage and Acceptable Use

1.1 Permitted Uses

You may use our services for the following purposes:

Browsing course information and educational content on our website
Registering for and participating in our finance education courses
Accessing course materials, resources, and learning platforms provided as part of your enrollment
Communicating with instructors and fellow participants in accordance with course guidelines
Downloading and using materials for personal educational purposes as permitted by your course enrollment

1.2 Prohibited Uses

You agree not to use our services to:

Violate any applicable local, national, or international laws or regulations
Infringe upon intellectual property rights of Quaterna or any third party
Distribute, sell, or commercially exploit course materials without explicit written permission
Share account credentials or access with unauthorized individuals
Disrupt, interfere with, or compromise the security of our website or services
Transmit viruses, malware, or other harmful code
Engage in harassment, bullying, or inappropriate behavior toward instructors or other participants
Impersonate any person or entity, or falsely represent your affiliation with any person or organization
Collect or harvest personal information about other users without their consent
Use automated systems or software to extract data from our website without permission

1.3 Service Access Requirements

To access certain features of our services, you may need:

A compatible device with internet connectivity
Current web browser software
Valid email address for communications
Payment method for course enrollment where applicable

You are responsible for maintaining the equipment and internet connection necessary to access our services.

2. Account Registration and Management

2.1 Account Creation

When creating an account with Quaterna:

You must provide accurate, current, and complete information
You must be at least 18 years old or have parental/guardian consent
You are responsible for maintaining the confidentiality of your account credentials
You agree to notify us immediately of any unauthorized access to your account
One person may not create multiple accounts without our explicit permission

2.2 Account Security

You are responsible for:

Maintaining the security of your password and account credentials
All activities that occur under your account, whether authorized by you or not
Promptly updating your account information when it changes
Logging out from your account at the end of each session on shared devices

We reserve the right to suspend or terminate accounts that appear to have been compromised or used in violation of these terms.

2.3 Account Suspension and Termination

We may suspend or terminate your account if:

You violate these Terms of Service or any course-specific guidelines
You engage in fraudulent or illegal activities
Your account remains inactive for an extended period
We are required to do so by law or regulatory authority
You request account closure

Upon termination, your right to access our services will cease immediately. We will make reasonable efforts to provide notice before termination unless prohibited by law or circumstances require immediate action.

3. Service Availability and Modifications

3.1 Service Uptime and Maintenance

While we strive to provide continuous access to our services:

We do not guarantee uninterrupted access to our website or course platforms
Services may be temporarily unavailable due to maintenance, updates, or technical issues
We will make reasonable efforts to notify you of planned maintenance when possible
We are not liable for any loss or inconvenience resulting from service interruptions

3.2 Course Availability and Scheduling

Regarding course offerings:

Course availability, schedules, and instructors are subject to change
We reserve the right to cancel courses due to insufficient enrollment or other circumstances
In the event of course cancellation, enrolled participants will receive full refunds
We may modify course content, structure, or delivery methods to improve educational quality

3.3 Service Modifications and Updates

We reserve the right to:

Modify, suspend, or discontinue any aspect of our services at any time
Update course materials and curriculum to reflect current practices and regulations
Change pricing for future course enrollments with reasonable notice
Introduce new features or remove existing features as needed

Significant changes that materially affect your enrolled courses will be communicated to you in advance when possible.

4. Intellectual Property Rights

4.1 Our Content Ownership

All content provided through our services, including but not limited to:

Course materials, lectures, presentations, and educational resources
Website design, text, graphics, logos, and user interface
Software, code, and technical infrastructure
Trademarks, service marks, and brand elements

These materials are owned by Quaterna or our licensors and are protected by copyright, trademark, and other intellectual property laws. All rights not expressly granted to you are reserved.

4.2 License to Use Course Materials

Upon enrollment in a course, we grant you a limited, non-exclusive, non-transferable license to:

Access and view course materials for personal educational purposes
Download materials for personal study and reference
Print materials for your own use

This license does not permit you to reproduce, distribute, publicly display, create derivative works, or commercially exploit our materials without explicit written permission.

4.3 User-Generated Content

If you submit content through our services (such as forum posts, assignments, or feedback):

You retain ownership of your content
You grant us a license to use, display, and distribute your content as necessary to provide our services
You represent that you have the right to submit the content and that it doesn't infringe on third-party rights
We may remove content that violates these terms or is otherwise inappropriate

5. Payment Terms and Refunds

5.1 Course Fees and Payment

When enrolling in paid courses:

All fees are stated in ese Yen (¥) unless otherwise indicated
Payment is required in full at the time of enrollment unless payment plans are offered
Prices are subject to change for future course sessions
You are responsible for any applicable taxes or fees

5.2 Refund Policy

Our refund policy:

Full refunds are available if you withdraw before the course start date
Partial refunds may be available within the first week of a course
Refunds are processed to the original payment method within 10 business days
Specific courses may have different refund policies, which will be clearly stated at enrollment
No refunds are provided after the designated withdrawal period unless the course is cancelled by us

6. Disclaimers and Limitation of Liability

6.1 Educational Services Disclaimer

Our courses are designed to provide financial education and skill development. However:

Course content is for educational purposes only and does not constitute financial, investment, or professional advice
We do not guarantee specific career outcomes, employment, or financial results
Individual learning outcomes depend on personal commitment, effort, and circumstances
Course completion does not certify you as a financial professional unless explicitly stated

6.2 Limitation of Liability

To the maximum extent permitted by law:

Quaterna and its instructors are not liable for any indirect, incidental, or consequential damages
Our total liability for any claim related to our services shall not exceed the amount you paid for the relevant course
We are not responsible for losses resulting from unauthorized account access if you failed to maintain security
We are not liable for service interruptions, data loss, or technical issues beyond our reasonable control

Some jurisdictions do not allow certain liability limitations, so these may not apply to you.

7. Governing Law and Dispute Resolution

These Terms of Service are governed by the laws of Japan. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of Osaka, Japan.

Before initiating any formal legal proceedings, we encourage you to contact us to resolve the matter informally. Many disputes can be resolved through direct communication.

8. Changes to These Terms

We may update these Terms of Service from time to time. When we make changes:

We will update the "Last updated" date at the top of this page
For material changes, we will notify you via email or prominent notice on our website
Your continued use of our services after changes take effect constitutes acceptance of the new terms
If you do not agree to updated terms, you should discontinue use of our services