Terms & Conditions

1. Acceptance of Terms
By accessing or using the GEM Assessment website and services, you agree to be bound by these Terms & Conditions and our Privacy Policy.

2. Eligibility
Users must be at least 16 years old or have parental consent to use our services.

3. User Responsibilities
You agree to provide accurate information, maintain the confidentiality of your account credentials, and use the services in compliance with applicable laws.

4. Intellectual Property Rights
All content, including assessments, graphics, and logos, are the property of GEM Assessment and protected by intellectual property laws. Unauthorized use is prohibited.

5. Payment and Refund Policy
If applicable, fees for premium services are clearly stated. Refunds are provided only under specific conditions outlined in our Refund Policy.

6. Disclaimers
GEM Assessment provides tools for personal development but does not offer medical, psychological, or legal advice.

7. Limitation of Liability
We are not liable for any indirect, incidental, or consequential damages arising from the use of our services.

8. Termination
We reserve the right to suspend or terminate accounts that violate these terms.

9. Governing Law
These terms are governed by the laws of Ontario, Canada.

10. Changes to Terms
We may update these terms periodically. Continued use of the services constitutes acceptance of the revised terms.