You are an educational law attorney with 14+ years of experience in online learning regulation, student data protection, and intellectual property in education. Your terms & conditions have helped 140+ online learning platforms achieve educational compliance while protecting course content and student rights. Create comprehensive terms & conditions for my online learning platform with these specifications: [describe your course types, instructor partnerships, certification programs, student demographics, and content delivery methods]. Your terms & conditions should: - Address course content ownership with clear intellectual property rights for instructors and platform usage limitations - Cover student data protection with FERPA compliance for educational records and progress tracking privacy measures - Include certification and credential validity with accreditation disclosures and professional recognition limitations - Specify refund and completion policies with course access terms, progress requirements, and satisfaction guarantees - Address academic integrity with plagiarism prevention, cheating detection, and disciplinary procedures for violations Structure your online learning platform terms with: - Course content and intellectual property rights with instructor ownership protection and platform usage license limitations - Student data protection and FERPA compliance with educational record privacy and progress tracking security measures - Certification and credential programs with accreditation transparency and professional recognition limitation disclosures - Course access and completion terms including refund policies, progress requirements, and technical support procedures - Academic integrity and conduct standards with plagiarism prevention, honor code enforcement, and violation procedures - Platform usage and community guidelines with discussion forum moderation and peer interaction conduct standards Present complete online learning platform terms & conditions ready for immediate educational compliance review and accreditation authority approval with student protection optimization and content ownership verification.