Terms of Service

1. Who we are, and how these terms apply

RGM Academy is an interactive Revenue Growth Management training platform operated by Effekt Group Oy, a private limited company registered in Finland, business ID 2713562-6, VAT number FI27135626, at Hyvinkää, 05720, Finland. We call ourselves “we” and “us” below, and we call you “you”.

These terms govern your use of the website at rgmacademy.app and everything it hosts. You accept them when you tick the box confirming you have read these terms and our Privacy Policy at the point of payment, and by using an account we have provided to you. We keep a record of that acceptance, including which version of these terms was in force at the time, which is why the date at the top of this page matters. If you do not agree, please stop using the service.

Where your organization has signed a separate written agreement with us, that agreement governs, and these terms apply only to the extent it does not cover the point. Where you personally use the platform under a seat your employer bought, both apply to you: your employer is bound by its agreement, and you are bound by these terms.

2. What the service is, and how it is sold

RGM Academy provides interactive lessons, simulators, an AI coaching feature called the AI RGM Strategist, and supporting resources for learning Revenue Growth Management in consumer goods.

We sell to organizations, not to individuals off the street. Access is a licence covering a named number of seats, agreed with us in writing. There is no self-serve sign-up and no public subscription. If you want access, please talk to us and we will set it up.

A small number of individuals hold subscriptions bought before we closed self-serve sales. Those continue on the terms they were bought under until they are cancelled or lapse. Sections 5 and 6 below say which parts apply to them.

We may add, change, restrict or remove features and content as the platform develops, including access you previously had. Where a change materially reduces what you have already paid for during a period you have paid for, section 6 applies. We may also offer a free tier, a trial or a preview from time to time, at our discretion and for as long as we choose, and nothing here entitles you to one.

3. Your account and your seat

You need an account to use most of the platform, and accounts are created by us as part of an organization licence. You agree to give accurate information, to keep your password secure, and to tell us promptly at hello@rgmacademy.app if you think someone has used your account without permission. You are responsible for what happens under your account. You must be at least 16 years old to hold one.

Seats are named, and they are not concurrent. Each seat belongs to one identified person. Your organization may reassign a seat when the original holder leaves or no longer needs access, and may not rotate seats between people so that more of them get access than were paid for. If we reasonably believe use has gone beyond the licence, we will tell your organization and show our evidence, and it can then bring use back within scope or pay for the extra seats. We will not suspend access for that reason without giving that notice first.

4. Fees, invoicing and tax

Organization licences are quoted individually, agreed in writing, and invoiced rather than charged to a card. Fees are stated exclusive of value added tax and any other transaction tax, which you pay in addition. Where you are a business established in an EU member state other than Finland and have given us a valid VAT identification number, we invoice without Finnish VAT and you account for VAT in your own country under the reverse charge.

Platform fees are invoiced annually in advance and access is provisioned once payment is received. Payment is due 30 days from the date of a valid invoice. Overdue amounts carry interest at the rate set by the Finnish Interest Act for commercial contracts, and we may recover reasonable collection costs. If an invoice is still unpaid 30 days after its due date, we may suspend access after giving 14 days written notice.

Individual subscriptions bought before self-serve closed are billed through Stripe, our payment processor. We never see or store your full card details. Such a subscription renews automatically at the end of each billing period until it is cancelled, and if a renewal payment fails we may retry it and may pause access until it succeeds.

5. Term, renewal and cancellation

An organization licence runs for the term stated in your order, normally 12 months, and renews automatically for a further term of the same length unless either of us gives written notice at least 60 days before the current term ends. We may change the fee for a renewal term by giving at least 90 days notice before the current term ends, and if you do not accept the change you can give notice not to renew.

There is no right to cancel an organization licence part-way through its term for convenience. Reducing the number of seats mid-term does not create a refund or a credit. Either of us may end the licence early if the other commits a serious breach and has not put it right within 30 days of being asked to in writing. If you end it that way because of something we did, you get back the unused part of what you have already paid.

An individual subscription can be cancelled at any time before the next payment. Cancelling stops the next charge and you keep access until the end of the period you have already paid for.

6. Refunds

Fees for organization licences are not refundable, except where these terms expressly say otherwise, which today means only the early-termination case in section 5 and the case in section 16 where we close an account through no fault of yours.

If you hold an individual subscription and you are a consumer in the EU or EEA, you have a statutory right to withdraw from the contract within 14 days of buying it. That right is yours by law, you do not have to give a reason, and nothing in these terms removes or shortens it. To use it, email us at hello@rgmacademy.app, or sign in and use the withdrawal form in your account, which asks you to sign in first so we know the request is really yours. We will refund you in full.

7. What you may do with the course

While your access is active, we grant you a non-exclusive, non-transferable and non-sublicensable right to use RGM Academy for your own professional learning and for your organization's internal business and training purposes. That is the whole of the permission we are giving.

You may take notes, apply what you learn in your own job, and discuss the ideas with colleagues. You may not do the things in section 8.

8. What you may not do

The lessons, the simulators, the seed data, the worked examples and the way the material is put together are what we sell. Please treat them accordingly. You agree that you will not, and will not allow any colleague or third party to:

• Share access. Share your login, or let anyone outside the licensed seats use the platform.
• Pass the content on. Resell, sublicense, rent, lend, publish or otherwise distribute the platform or anything in it.
• Copy it out. Copy, scrape, record, extract or systematically download the lessons, the concept cards, the seed data or the simulator logic, in bulk or otherwise. This includes automated tools of any kind, and it expressly includes screen capture, screen recording and photographing the screen.
• Put it into any artificial intelligence or machine learning system. You may not input, upload, paste or otherwise submit any part of the platform or its content into any artificial intelligence, machine learning, large language model or automated analysis system of any kind, whether your own, your employer's or a third party's, and whether or not the system is publicly available. For the avoidance of doubt, and without limiting that sentence, you may not use the platform or its content to train, fine-tune, pre-train, evaluate, benchmark, distil, embed, index or build a dataset for any model, nor to build, improve or support any competing product or service.
• Take it apart. Reverse engineer, decompile or disassemble the platform, except so far as the law says that restriction cannot apply.
• Teach it onward. Teach, deliver or present our content to anyone else, or run it as a structured internal training programme, without a separate written licence from us.
• Go around the AI feature's controls. Attempt to extract, reveal or circumvent the system prompts, model instructions or safety controls behind the AI RGM Strategist.
• Put sensitive data into it. Enter into the simulators or the AI features any special category personal data within the meaning of Article 9 of the GDPR, any criminal offence data, or personal data about anyone who is not a licensed user.
• Remove the markings. Remove, obscure or alter any copyright notice, credit, watermark or other mark of ownership.
• Interfere with the service. Probe, overload, disrupt or attempt to gain unauthorised access to the platform, its accounts or its infrastructure.

9. Who owns what

The lessons, simulators, text, visuals, data, software and the underlying methodology are owned by Effekt Group Oy or its licensors, and are protected by copyright and other intellectual property rights. Every right we have not expressly granted is reserved. Nothing in these terms transfers ownership of anything to you, and no licence is implied by conduct, by course of dealing or by anything we fail to object to.

You keep ownership of anything you type into the platform, and you give us permission to process it so we can run the service for you.

If you send us an idea, a suggestion or feedback about the product, you agree we may use it freely to improve RGM Academy, without owing you anything for it. We are not asking you for your commercially confidential information, and you should not send it.

The permission in section 7 ends when your access ends. At that point you stop using the content and delete any copy of it you legitimately made while your access was live, other than notes in your own words.

10. Confidentiality, both ways

Some of what each of us sees is not public. We treat anything you tell us about your business as confidential, we use it only to run the service for you, and we do not pass it on. In return, you treat as confidential anything on the platform that is not published on our public pages, including unreleased content, pricing we quote you, and the internal workings of the simulators and the AI features.

This does not cover information that is already public through no fault of the person receiving it, that they already had, that they work out independently, or that they are required by law to disclose. These obligations continue for three years after access ends, and for as long as the law protects it in the case of a trade secret.

11. The AI RGM Strategist

The AI RGM Strategist gives illustrative strategic commentary based on the scenario you set up in a simulator. It is a learning aid. It is not professional, financial, legal or investment advice, and it is not a recommendation to take any commercial action. The commentary is generated by a third-party AI model, it can be wrong, and it can be confidently wrong. Always apply your own judgement and your company's own data before making a real commercial decision.

Use of the AI feature is subject to fair-use limits that we set and may change: a lifetime allowance on free accounts, a monthly allowance on paid accounts, and an hourly rate limit on every account. We will not cut off a reasonable learner mid-lesson, and we may decline requests that go well beyond normal study.

12. The content is educational, and we do not guarantee it

RGM Academy is provided for training and information purposes only. We do not provide, and have not provided, investment, financial, legal, tax or commercial advice to you, and nothing on the platform is a recommendation to take, or not take, any particular action. We are under no obligation to assess, and do not assess, whether anything taught here is suitable for your business, your market or your situation. Every decision you take, and every interpretation you draw, is entirely yours and your responsibility.

We work hard to keep the material accurate and current, and we do not guarantee that it is accurate, complete or up to date. The platform is provided “as is” and “as available”, and we do not promise it will be error-free or uninterrupted. To the fullest extent the law allows, we exclude all warranties, conditions and terms that would otherwise be implied.

This applies with particular force to the simulators. The simulators, calculators, worked examples, benchmarks, elasticities and seed data are illustrative teaching models built on simplifying assumptions. We make no representation as to the reasonableness of those assumptions, or as to the accuracy or completeness of any modelling, scenario analysis, sensitivity or back-testing on the platform. Nothing there is intended to predict a real outcome in your business, and no assurance is given in that respect. Figures used in teaching examples are illustrative and are not benchmarks for your category, your customers or your market.

Opinions, estimates and benchmarks are given as at the date they are published and are subject to change. We are under no obligation to update any of them, even where they later become outdated or inaccurate.

We accept no liability for any loss, of any kind, arising from your use of the platform or your reliance on anything in it. That includes any commercial decision you make, any price you set, any promotion you run and any negotiation you enter, whether or not the platform informed it. Section 13 sets out the limits on our liability generally.

13. Limits on liability

Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be limited. Nothing in them takes away rights you have as a consumer that cannot be taken away by agreement.

Subject to that, neither of us is liable to the other for indirect or consequential loss, or for loss of profit, revenue, business, contracts, anticipated savings, goodwill or reputation, whether direct or indirect and whether or not it was foreseeable.

Subject to that, our total liability to you arising out of or in connection with these terms, however the claim is framed, is limited to the total fees you paid us in the 12 months before the first event that gave rise to the claim.

14. Your responsibility to us

You will cover us for any loss, damage, cost or claim we suffer because you broke section 8, because you put someone else's personal data or confidential information into the platform when you should not have, or because of a claim by a third party arising from how you used what you learned here. We will tell you promptly about any such claim and will not settle it without asking you first.

15. Certificates and credentials

When you complete a module or the full course, you can choose to issue yourself a certificate. If you do, we create a page at a web address containing a long random code, showing your name, which certificate it is, and the date. Anyone you give that address to can open it and see those three things, which is what makes the certificate checkable. Nothing else about you appears there, and the address cannot be guessed. Issuing it is your choice, and you can ask us to take it down at any time.

A certificate records that you completed our course. It is not an accredited or regulated qualification, it is not awarded by an educational institution, and it does not certify professional competence. We may revoke a certificate, and take its page down, if we find it was obtained by misrepresentation, by manipulating the platform, or in breach of these terms.

16. Suspension, closing an account, and deletion

You can close your account at any time from your account settings. Deleting your account permanently removes it and the data held with it, including your name, your email address, your progress and any certificates you have issued. The Privacy Policy sets out exactly what is deleted and the narrow set of records we have to keep, such as invoices we are required to hold for tax purposes.

We may suspend or close an account that breaks these terms, or that puts the platform, our content or other users at risk. Where the breach is of section 8, we may do so immediately and without a refund. If we close your account for a reason that is not your fault, we will refund any unused paid period.

17. Privacy

How we handle personal data is set out in our Privacy Policy, which forms part of these terms. Where we process personal data on behalf of your organization, a data processing agreement applies and is available on request at hello@rgmacademy.app.

18. Changes to these terms

We may update these terms as the platform evolves, including how the service is sold and what access each plan carries. If we make a material change we will tell account holders by email or with a notice on the site, and the date at the top of this page always shows when the text last changed. Continuing to use the platform after a change means you accept the updated terms. If you do not accept a change you can stop using the service and, where you have paid for a period that has not run out, ask us for a pro-rata refund of the unused part.

19. General

• Transfer. You may not transfer your rights under these terms to anyone else without our written consent. We may transfer ours to a company that acquires our business, and your rights are not reduced if we do.
• If part of this is unenforceable. If a court finds any part of these terms unenforceable, the rest continues to apply and that part is read down to the narrowest form that works.
• Not enforcing something is not giving it up. If we do not enforce a right straight away, we have not given it up and we can still enforce it later.
• The whole agreement. These terms, the Privacy Policy, and any written agreement your organization has signed with us are the whole of what is agreed between us on this subject, and they replace anything said beforehand.
• Events outside our control. Neither of us is liable for a failure to perform caused by something genuinely outside our reasonable control, for as long as it lasts.
• Notices. Notices to us go to hello@rgmacademy.app. Notices to you go to the email address on your account, or to your organization's stated contact.

20. Governing law, and how to reach us

These terms are governed by the laws of Finland, and any dispute will be handled by the courts of Finland, sitting in Helsinki. If you are a consumer, you may also bring proceedings in the country where you live, and you can take a dispute to the Finnish Consumer Disputes Board (kuluttajariita.fi) after first raising it with the Consumer Advisory Service (kuluttajaneuvonta.fi), or use the European Commission's online dispute resolution platform.

Questions about these terms? Email hello@rgmacademy.app. You can also read our Privacy Policy.