These Terms and Conditions (“Terms”) govern access to, and use of, the Midreshet Ora website located at www.midreshetora.com (the “Website”), all applications submitted through the Website, and all payments, deposits, and related transactions processed through the Website. For any student who has executed the Midrasha’s Payment and Financial Commitment Agreement, that Agreement governs tuition, refunds, and enrolled-student obligations and prevails over these Terms in case of conflict.

 

Please read these Terms carefully before using the Website or making any payment.

 

1. Parties

 

The Website is owned and operated by Midreshet Ora – Learning with Soul, an Israeli registered charity (no. 580850312) (“Midreshet Ora,” “Seminary,” “we,” “our,” or “us”).

 

Business Contact Information:

 

• Legal Entity: Midreshet Ora – Learning with Soul

• Registration Number: Israeli charity number 580850312

• Principal Address: 15 Agrippas Street, Jerusalem, Israel

• Email: finance@midreshetora.com

 

By accessing the Website or making any payment through the Website, you agree to be bound by these Terms. If you are under 18 years of age, a parent or legal guardian must review and accept these Terms on your behalf.

 

2. Educational Services

 

Midreshet Ora provides educational, religious, cultural, spiritual, residential and related programming for post-high-school students. All descriptions of programs, faculty, courses, activities, accommodations, schedules, events and services are provided for informational purposes only and are subject to change at our discretion.

 

Nothing on the Website constitutes a guarantee regarding:

 

• admission;

• academic achievement;

• spiritual development;

• religious outcomes;

• future opportunities;

• university placement;

• professional opportunities; or

• any specific educational result.

 

3. Applications and Admission

 

Submission of an application does not create any contractual right to admission.

 

Midreshet Ora reserves the right to:

 

• accept or reject any application;

• place applicants on a waitlist;

• condition acceptance upon additional requirements;

• rescind an acceptance before enrollment; and

• terminate enrollment in accordance with Seminary policies.

 

Admissions decisions are final and need not be explained. Once a deposit has been accepted, any rescission of acceptance or withdrawal is subject to the deposit rules in these Terms and, where applicable, the refund schedule in the Payment and Financial Commitment Agreement.

 

4. Fees and Payments

 

Applicants and students may be required to pay the following through the Website (primarily application fees, registration fees, and enrollment deposits). Full remaining tuition balances are governed by the signed Payment and Financial Commitment Agreement:

 

• Application Fees;

• Registration Fees;

• Enrollment Deposits;

• Tuition;

• Housing Fees;

• Program Fees;

• Administrative Fees;

• Activity Fees; and

• Other charges required by Midreshet Ora.

 

All fees are displayed prior to payment. By submitting payment, the payer authorizes Midreshet Ora and its payment providers to charge the selected payment method for the full amount shown during checkout.

 

5. Payment Processing

 

Payments from non-Israeli payors are made to Midreshet Ora Inc., which acts solely as a conduit to receive funds on behalf of Midreshet Ora. By making payments through the Website, you acknowledge and consent to this payment arrangement. Payments may be processed through Airwallex and other third-party payment providers. Midreshet Ora does not itself store complete payment card information.

 

The processing of payments is subject to:

 

• these Terms;

• the policies of the payment processor;

• applicable card network rules; and

• applicable law.

 

The payer authorizes Midreshet Ora and its payment processor to:

 

• verify payment information;

• perform fraud screening;

• confirm identity;

• reverse transactions where required by law or card-network obligations; and

• recover amounts properly due.

 

6. Authorized Payments

 

By submitting a payment, you represent and warrant that:

 

• you are legally authorized to use the payment method;

• all information provided is accurate;

• the payment does not violate applicable law;

• the payment is made for a legitimate educational purpose; and

• you possess authority to bind the student or payer.

 

A parent or third-party payer represents that the student has authorized the payment or that the payer otherwise has legal authority to bind the student.

 

7. Deposits

 

Enrollment deposits are intended to reserve a student’s place. Except where expressly stated otherwise in writing:

 

• deposits are non-refundable;

• deposits may be applied toward tuition; and

• deposits may be retained upon withdrawal or cancellation.

 

The specific refundability of any deposit shall be stated at the time payment is collected.

 

8. Tuition Obligations

 

Upon enrollment, the student and payer become responsible for all tuition and fees applicable to the student’s participation in the program. For any student who has executed the Midrasha’s Payment and Financial Commitment Agreement, that Agreement governs tuition, payment schedules, refunds and related financial obligations, and these Terms are subordinate to it in case of conflict. Midreshet Ora may suspend registration, participation, transcripts, certificates or future enrollment opportunities until all outstanding balances are paid.

 

9. Refund Policy

 

9.1 General Rule

 

Refund requests must be submitted in writing. No refund is guaranteed unless expressly required by applicable Israeli law or expressly provided by Midreshet Ora in writing. For enrolled students who have signed the Payment and Financial Commitment Agreement, the refund schedule and conditions set out in that Agreement control.

 

9.2 Application Fees

 

Application fees are non-refundable.

 

9.3 Deposits

 

Deposits are non-refundable unless expressly stated otherwise.

 

9.4 Tuition Refunds

 

Where Midreshet Ora approves a tuition refund, the amount refunded may be reduced by:

 

• administrative expenses;

• banking charges;

• currency conversion losses;

• payment processor fees;

• housing commitments; and

• travel or program expenses already incurred.

 

9.5 Timing

 

Approved refunds will generally be issued to the original payment method. Processing time may vary depending on financial institutions and payment processors.

 

9.6 Chargebacks Prohibited

 

Before initiating a chargeback, the payer agrees to contact Midreshet Ora and attempt good-faith resolution. Improper chargebacks constitute a breach of these Terms. Midreshet Ora reserves the right to contest any chargeback and provide supporting documentation.

 

10. Currency

 

Fees may be displayed in U.S. Dollars, Israeli New Shekels, or other currencies identified by Midreshet Ora. Where currency conversion occurs:

 

• exchange rates are determined by financial institutions or payment providers; and

• Midreshet Ora is not responsible for conversion differences.

 

11. Fraud Prevention

 

Midreshet Ora reserves the right to:

 

• delay payment processing;

• request identity verification;

• request supporting documentation;

• refuse suspicious transactions; and

• cancel transactions believed to involve fraud.

 

12. Student Conduct

 

Students must comply with:

 

• Seminary rules;

• housing policies;

• health and safety requirements;

• behavioral standards; and

• applicable law.

 

Violation may result in:

 

• suspension;

• dismissal; and/or

• forfeiture of fees already paid.

 

13. Force Majeure

 

Midreshet Ora is not liable for delays, modifications, interruptions or cancellations caused by circumstances beyond its reasonable control, including:

 

• war;

• terrorism;

• civil disturbance;

• governmental action;

• public health emergencies;

• epidemics;

• transportation disruptions;

• utility failures;

• labor disputes;

• natural disasters;

• security conditions affecting Israel;

• military operations; and

• acts of God.

 

Programs may be modified, postponed, relocated, shortened or cancelled as circumstances require. If a program is cancelled or materially shortened due to a Force Majeure Event, any refund of amounts already paid will be determined in good faith after offsetting unavoidable costs and will otherwise follow the Payment and Financial Commitment Agreement where one has been signed.

 

14. Website Content

 

All intellectual property rights relating to the Website belong to Midreshet Ora. No content may be copied, reproduced, distributed, modified or exploited without prior written consent.

 

15. Disclaimers

 

The Website and all services are provided “AS IS” and “AS AVAILABLE.” To the maximum extent permitted by law, Midreshet Ora disclaims all warranties, including:

 

• merchantability;

• fitness for a particular purpose;

• uninterrupted availability;

• accuracy; and

• non-infringement.

 

16. Limitation of Liability

 

To the fullest extent permitted by law, Midreshet Ora shall not be liable for:

 

• indirect damages;

• consequential damages;

• incidental damages;

• special damages;

• emotional distress;

• reputational harm; or

• data loss.

 

The aggregate liability of Midreshet Ora shall not exceed the amount paid by the claimant to Midreshet Ora for the applicable school year during which the event giving rise to the claim occurred.

 

17. Indemnification

 

You agree to indemnify and hold harmless Midreshet Ora and its officers, trustees, directors, employees, faculty members, agents, contractors and affiliates against claims arising from:

 

• breach of these Terms;

• misuse of the Website;

• violation of law;

• fraudulent activity; or

• disputes concerning payment authorization.

 

18. Governing Law

 

These Terms and all transactions processed through the Website shall be governed by and construed in accordance with the laws of the State of Israel, without regard to conflict-of-law principles.

 

19. Dispute Resolution

 

Any dispute arising out of or related to these Terms, the Website, enrollment or any payment shall be submitted exclusively to the competent courts located in Jerusalem, Israel. The parties irrevocably submit to the jurisdiction of those courts.

 

Notwithstanding the foregoing, the parties may by mutual agreement submit a dispute to binding arbitration before a bet din of their joint choosing in accordance with the Israeli Arbitration Law, 5728-1968. If they cannot agree on an arbitrator within 10 days, the dispute shall be brought before the Eretz Hemdah bet din in Jerusalem. The parties irrevocably submit to the jurisdiction of those courts.

 

20. Class Action Waiver

 

To the fullest extent permitted by applicable law, disputes must be brought solely on an individual basis and not as part of any class, collective, representative or consolidated proceeding.

 

21. Electronic Consent

 

By accessing the Website or completing a payment, you consent to receive notices, disclosures, agreements, invoices, receipts and other communications electronically.

 

22. Changes to These Terms

 

Midreshet Ora may amend these Terms at any time. Updated versions become effective upon publication on the Website. Material changes will not retroactively alter rights already vested under a signed Payment and Financial Commitment Agreement. Where practicable, notice of material changes will be provided by email or Website posting.

 

23. Contact Information

 

Questions regarding these Terms should be directed to:

 

Midreshet Ora

 

• Address: 15 Agrippas Street, Jerusalem, Israel

• Email: office@midreshetora.com