1) Terms of Service

Welcome to www.coralmed-inc.com (the “Site”). By using the Site or our services (the “Services”), you agree to these Terms.

  • Eligibility: You must be 18+ or have guardian consent.
  • Accounts: Provide accurate information and keep credentials confidential. You are responsible for all activity under your account.
  • License: Limited, non‑exclusive, non‑transferable permission to use the Site for personal or authorized business use.
  • Prohibited conduct: No unlawful activity, harassment, scraping, reverse engineering, or malicious code.
  • Availability: We may change, suspend, or discontinue the Site at any time.
  • Third‑party links: We are not responsible for third‑party content, practices, or policies.
  • Disclaimer: Site and Services are provided “as is” without warranties.
  • Liability limit: We are not liable for indirect or consequential damages.
  • Indemnity: You agree to defend and hold us harmless against claims arising from your use of the Site or violation of these Terms.
  • Governing law & venue: Hawaii USA; courts of Hawaii.

2) Privacy Policy

We collect personal data to operate the Site and deliver Services. Categories include identifiers (name, email), account and transaction data, usage data (device, IP, cookies), and support communications.

  • Use: Provide/maintain Services; process orders; personalize content; analytics; security; legal compliance.
  • Sharing: With service providers (hosting, payments, email, analytics) under contract; with authorities where legally required; during business transfers. We do not sell personal data.
  • Legal bases (if applicable): Contract, legitimate interests, consent, legal obligations.
  • Retention: See Data Retention.
  • Your rights: Depending on region, you may request access, correction, deletion, restriction, or portability; object; or withdraw consent. Contact privacy@your-domain.com.
  • Children: See Children’s Policy.

3) Cookies Policy

We use cookies and similar technologies.

  • Strictly necessary: Authentication, security, shopping cart.
  • Preferences: Language and accessibility settings.
  • Analytics: Usage and performance measurement.
  • Marketing (optional): Campaign attribution and personalization.

Manage your choices via our Cookie Banner/Preferences Center and your browser settings. Blocking cookies may limit certain features.

4) Acceptable Use Policy
  • No unlawful, infringing, harassing, or fraudulent activities.
  • No malware, harmful code, or attempts to bypass security.
  • No scraping, bulk copying, or resale without permission.
  • No misrepresentation of identity or affiliation.
  • We may suspend or terminate accounts for violations.

5) User‑Generated Content & DMCA
  • Your content: You retain rights but grant us a worldwide, non‑exclusive, royalty‑free license to host and display your submissions to operate the Services.
  • Prohibited content: Illegal, obscene, defamatory, infringing, or privacy‑violating material.
  • The Digital Millennium Copyright Act (DMCA)notices: Send to Compliance and Legal Department, [Address], dmca@ycoralmed-inc.com with required elements (contact, work identified, infringing URL, good‑faith statement, signature).

6) Payments, Subscriptions & Refunds
  • Payments: We accept major cards (Visa, MasterCard, American Express, Discover/Diners) via a PCI‑DSS‑compliant processor. We do not store full card numbers.
  • Pricing & taxes: Shown at checkout; taxes/fees may apply.
  • Subscriptions: Auto‑renew unless canceled before renewal date. Manage in Account > Billing or email billing@coralmed-inc.com.
  • Refunds (default):
    • Self‑paced courses: refund within 7 days if <10% consumed.
    • Live webinars/events: refund up to 48 hours before start; otherwise credit may be offered.
    • Exam/test prep: non‑refundable after access granted, except as required by law.

7) Security Statement
  • All traffic encrypted via HTTPS/TLS.
  • Payments processed by PCI‑DSS‑compliant gateway; tokenization used for card data.
  • Access controls, logging, patching, and vulnerability management are practiced.
  • We notify users of data incidents as required by law. Report issues to security@coralmed-inc.com.

8) Accessibility Statement

We strive to conform to WCAG 2.1 AA guidelines and support assistive technologies.

  • Captions/transcripts for multimedia where feasible.
  • Keyboard navigation and screen‑reader compatibility.
  • Reasonable accommodations available upon request: accessibility@coralmed-inc.com.

9) Children’s Policy

Our Site is not intended for children under 13 (or the age required by your region). We do not knowingly collect data from children without appropriate consent.

10) International Data Transfers

When data is transferred internationally, we use appropriate safeguards (e.g., Standard Contractual Clauses) and take reasonable steps to protect data rights.

11) Data Retention
  • Account/purchase/billing: typically 7 years (or as required by tax law).
  • Course progress/certificates: while your account is active, then up to 2 years after closure.
  • Support tickets: typically 2 years.
  • Aggregated/anonymized analytics may be retained longer.

12) Do Not Track

Our Site currently does not respond to Do Not Track (DNT) signals. Manage cookies via our banner/preferences and your browser settings.

13) Changes to Policies

We may update these policies periodically. The Effective Date reflects the latest version. Material changes may be communicated via email or in‑app notice.

14) Contact