Terms & Conditions

These Terms govern your use of the TopBrainer platform, including creating, selling and consuming courses, books, live events, exams and consulting.

We may update these Terms. We will tell you about material changes by email or in the app, and using TopBrainer after a change means you accept it.

We may show the site and these Terms in several languages for convenience. If a translation differs from the English version, the English version applies.

You must be at least 12 years old to create an account. You are responsible for keeping your login credentials secure and for everything done through your account.

Give us accurate information, and do not share your account or create accounts for someone else without their permission. If you sign in with Google, Facebook, LinkedIn or GitHub, that service’s own terms also apply to your use of it.

Experts retain ownership of their content. By uploading, you grant TopBrainer a worldwide, non-exclusive license to host and distribute it.

Learners get a personal, non-transferable licence to use the content they enrolled in or bought, for their own learning only. You may not copy, resell or share it.

AI training: default no, opt-in only. We will not use your content to train machine-learning or AI models unless you separately opt in. Your courses, books, and session materials are never training data by default.

Marketing use: only with your consent. We will only feature your content in TopBrainer marketing (ads, social posts) if you consent. You can withdraw your consent at any time by contacting support@topbrainer.com, and we will stop using your content going forward.

Advertising tools: If you are an expert, you may connect your own Meta, TikTok, Google, X or LinkedIn ad account IDs to your profile and content. You are responsible for using them lawfully and following those platforms’ rules. You must not use them to collect personal information about visitors or to track visitors on other pages. Visitors are tracked only if they accept advertising cookies. We may switch your pixels off at any time, for example if they are misused.

• Prices and currency: All prices and charges are in US dollars (USD). Where we show an approximate amount in your local currency, it is only a guide: you are charged in USD, and your bank sets the final rate and may add fees.
• What you can buy: one-time purchases (courses, books, live events), exclusive access to an expert’s private content, platform subscriptions and credit packs, consultation plans and bookings, and exam retakes. Taxes such as sales tax or VAT are shown at checkout.
• Platform fee: TopBrainer keeps a platform fee, which is a percentage of each sale. The percentage is set by TopBrainer, may change for future sales, and is shown to experts on their Earnings page. Experts receive the rest, less the payment processing fees described below.
• Payment processing fees are paid by the expert. The fees charged by Stripe and, for payouts made through PayPal, by PayPal are deducted from the creator’s earnings when a payout is sent. Each is a percentage plus a fixed amount (currently Stripe 2.9% + $0.30, and PayPal 2.9% + $0.60), and the rates may change. Every payout email and the Earnings page show the fees deducted and the exact amount sent.
• Taxes: Taxes collected from buyers (such as sales tax or VAT) are recorded separately on each payment and handled by TopBrainer as required by law.
• Affiliate commissions and revenue sharing: If a sale comes through an affiliate (reseller), or you share a course’s revenue with another instructor, their commission or share is paid out of your earnings, as you set it.
• Payouts are sent to the payout method you set up (Stripe or PayPal) after a short hold period that allows for refunds and disputes. A refunded sale is not paid out, and the earnings from it are cancelled.
• Subscriptions: Platform subscriptions and recurring consultation plans renew automatically until you cancel. You can cancel at any time in your account; you keep access until the end of the period you paid for, and it then does not renew.
• Consultations and bookings are services provided by the expert, who is responsible for delivering them. TopBrainer provides the platform on which they are booked and paid.
• Exclusive access: An expert can make content exclusive, so people join by invitation or by request. The expert sets the price: free, a one-time fee, or a weekly or monthly membership. When you ask to join for a one-time fee, your card is only held, not charged. The charge is made if the expert approves, and the hold is released if the expert declines or does not answer in time. For a weekly or monthly membership, your card is saved when you ask, and the first payment is taken when the expert approves. A membership renews automatically until you stop it. You can stop it at any time on the content page: your access ends at once and the unused part of the period is not refunded. It also ends if a renewal payment cannot be collected. An expert can remove a member, which ends that person’s access and any renewal, but a removal does not by itself refund the member. The platform fee and payment processing fees described in this section apply to exclusive access too.
• Organisations: When an organisation buys seats for its members, these Terms apply together with any separate order agreed with TopBrainer.
• Refunds: Learners can ask for a refund of a course they paid for. The rules and the steps are in section 5 below.

A learner can ask for a refund of a course they bought with a payment card. Refunds are decided in these steps:

1. When you can ask. Within the refund period shown on the course page, which is up to 14 days from the purchase and is always shorter than the period for which TopBrainer holds the expert’s money before paying it out. Once that period has ended, a refund can no longer be requested through the site, and any refund is at TopBrainer’s discretion.
2. Your request. You must tell us why you are asking. The money from the sale is put on hold while your request is open, so nobody is paid from it in the meantime.
3. The expert answers first. If the expert accepts, the refund is made right away.
4. If the expert declines (they must give a reason), or does not answer within 24 hours, TopBrainer reviews the request and makes the final decision. TopBrainer may approve or decline it, and will tell you the reason if it declines.
5. When a refund is made, the full amount you paid, including tax, goes back to the card you paid with. It usually reaches your statement within 5–10 business days, depending on your bank. Your access to the course ends, and you may buy it again later.
6. For experts and affiliates: the earnings from a refunded sale, and any affiliate commission or revenue share from it, are cancelled. Because refunds are decided before a payout is made, nothing is taken back from money already paid to you. If a request is declined, the sale is released and paid out as normal.

This section applies to courses bought one at a time. Other purchases, such as exclusive memberships, consultation bookings, exam retakes, subscriptions and credit packs, are handled case by case. Contact us and we will help.

Exams may be marked by the expert or, if the expert switches it on, by an AI agent the expert has connected. AI marks can contain mistakes. The expert is responsible for the marks and certificates they award, and you can ask the expert or our support team to review a mark.

Certificates show your name, the course and the date, and anyone who has the verification link can check them. Exam retakes can be bought where the expert offers them.

Experts must not use AI grading in a way that breaks the law or the rules in our Privacy Policy.

You may not:

• upload illegal, harmful or infringing content
• copy, resell or share paid content, or share your account
• cheat on exams or share exam answers
• harass or impersonate others, or send spam
• scrape the site, overload it, or try to break into it
• create fake referrals, sales or reviews, or abuse refunds

We reserve the right to remove content or suspend accounts that break these rules.

We may suspend or terminate your account for violations. A suspended account cannot be used, what it published stops appearing on the platform, and its payouts are frozen until we have looked into the matter. We will tell you the reason.

Closing your account. You can ask us to close your account in Settings. You must tell us why, and a TopBrainer administrator reviews every request and either approves it or rejects it with a reason. Once it is approved you can no longer sign in, anything you published stops appearing on the platform, and your subscriptions stop renewing. Earnings you had already made are still paid to your payout method on the normal schedule. A closed account can only be reopened by our support team.

Leaving: content comes down, licence ends, buyers keep what they bought. When your account is closed or suspended, or you remove a piece of content, it no longer appears on the platform, except that learners who already purchased it keep access to their copy. Reviews, messages, certificates and payment records are kept, and we may retain copies as required by law or to resolve disputes. You may also ask us to erase your personal details, as described on our Data Deletion page.

TopBrainer is provided “as is”. Experts are independent: TopBrainer does not employ them or guarantee any result from their courses or advice, and we do not guarantee the accuracy or quality of any content created by users. Our total liability shall not exceed the amount you paid us in the past 12 months.

These Terms are governed by the laws of the United States of America. Any disputes will be resolved in the courts of the United States.

By providing your mobile phone number and checking the consent box — whether during account registration, phone number verification, or when adding or updating your phone number in your account settings — you expressly consent to receive one-time passcodes (OTPs) and account verification codes from Top Brainer via SMS.

Top Brainer does not send marketing, promotional, or advertising text messages.

Message frequency varies depending on your account activity and authentication requests. Message and data rates may apply.

You may opt out at any time by replying STOP to any SMS message. After opting out, you will receive one final confirmation message and will no longer receive SMS messages unless you opt in again.

For assistance, reply HELP or contact us at support@topbrainer.com.

By opting in, you confirm that you are the authorized user of the mobile phone number provided or have the account holder’s permission to enroll that number.

Your consent to receive SMS messages is not a condition of purchasing any product or service.

By opting in, you also agree to our Privacy Policy and Terms & Conditions.

Email support@topbrainer.com for questions.