Terms and Conditions

Agreement to Terms

By accessing and using Zolvarianstudio's investment education services, you agree to be bound by these Terms and Conditions and all applicable laws and regulations.

If you do not agree with any of these terms, you are prohibited from using or accessing our services.

Definitions

For the purposes of these Terms and Conditions:

• "Service" or "Services": refers to the investment education courses, materials, and related services provided by Zolvarianstudio
• "User" or "You": refers to any individual who accesses or uses our services
• "Content": refers to all course materials, videos, documents, and educational resources provided through our platform
• "Account": refers to your personal account created to access our investment education services

Use of Service

Our investment education services are provided subject to your compliance with these terms and conditions.

Eligibility

You must be at least 18 years old and have the legal capacity to enter into agreements to use our services. Our courses are designed for educational purposes only.

Account Registration

• You must provide accurate and complete information when creating your account
• You are responsible for maintaining the confidentiality of your account credentials
• You must notify us immediately of any unauthorized use of your account

Acceptable Use Policy

You agree not to use our services for any unlawful purpose or in any way that could damage our reputation or services. Prohibited activities include:

• Sharing course content with unauthorized individuals
• Attempting to reverse engineer or copy our educational materials
• Using our services to provide investment advice to others without proper licensing
• Disrupting or interfering with our services or other users' experience
• Violating any applicable laws or regulations

Intellectual Property Rights

All course content, materials, and educational resources are the exclusive property of Zolvarianstudio and are protected by copyright and intellectual property laws.

You are granted a limited, non-exclusive license to access and use our content for personal educational purposes only.

Payment Terms

By enrolling in our courses, you agree to the following payment terms:

• All fees are due at the time of enrollment unless otherwise specified
• Prices are listed in South African Rand and include applicable VAT
• Payment must be made through our approved payment processors
• Late payment may result in suspension of access to course materials

Refund Policy

We offer a 30-day money-back guarantee for all course purchases. Refund requests must be submitted within 30 days of purchase.

Refunds will be processed within 7-10 business days. Completed courses or extensively accessed content may not be eligible for refund.

Disclaimers

We make no guarantees about investment performance or outcomes. Past performance does not guarantee future results.

You acknowledge that all investments carry risk and you may lose money. We are not responsible for any investment losses.

Limitation of Liability

Zolvarianstudio and its instructors shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of this course or any investment decisions made based on the content.

Our liability is limited to the amount paid for the course. We are not responsible for any investment losses or missed opportunities.

Indemnification

You agree to indemnify and hold harmless Zolvarianstudio, its instructors, and affiliates from any claims, damages, or losses arising from your use of the course content or any investment decisions made based on the information provided.

Termination

We reserve the right to terminate your account and access to our services at any time for violation of these terms or other reasonable cause.

Upon termination, your right to use our services will immediately cease, and you must destroy all downloaded materials.

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of South Africa, and you submit to the exclusive jurisdiction of the South African courts.

Dispute Resolution

Any disputes arising from these terms will be resolved through binding arbitration in accordance with South African arbitration laws.

You agree to resolve disputes individually and waive any right to participate in class action lawsuits.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue to be valid and enforceable.

Entire Agreement

These Terms and Conditions constitute the entire agreement between you and Zolvarianstudio regarding the use of our services.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website.

Your continued use of our services after changes constitutes acceptance of the modified terms.

Contact Information

If you have questions about these Terms and Conditions, please contact us at: