Welcome to Financial Mastery Academy. These Terms and Conditions ("Terms") govern your access to and use of our website at https://elorochefort.buzz and all related educational products, services, and content (collectively, the "Services").
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.
Financial Mastery Academy is operated by:
We provide online financial education courses and programs, including but not limited to:
You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you meet this age requirement.
To access certain features and purchase courses, you must create an account. You agree to:
We reserve the right to suspend or terminate your account if you violate these Terms or engage in fraudulent or abusive behavior.
All prices are displayed in United States Dollars (USD) and are subject to change without notice. The price at the time of purchase will be the price charged.
We accept various payment methods including credit cards, debit cards, and PayPal. Payment processing is handled securely by third-party payment processors.
After completing a purchase, you will receive an order confirmation email containing:
If payment fails or is declined, we reserve the right to cancel your order and suspend course access until payment is received.
Upon successful purchase, we grant you a limited, non-exclusive, non-transferable license to access and use the purchased course materials for personal educational purposes only.
You may NOT:
All content, materials, features, and functionality of our Services, including but not limited to text, graphics, logos, images, videos, audio, software, and course curriculum, are owned by Financial Mastery Academy or our licensors and are protected by international copyright, trademark, and other intellectual property laws.
"Financial Mastery Academy" and related logos are trademarks of Financial Mastery Academy. You may not use these trademarks without our prior written permission.
By submitting reviews, feedback, or other content to our platform, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and display such content for marketing and promotional purposes.
IMPORTANT: All courses and materials provided are for educational and informational purposes only. They do not constitute professional financial, investment, legal, or tax advice.
We make no guarantees, representations, or warranties regarding:
Past performance and testimonials are not indicative of future results. Individual results may vary based on numerous factors including effort, experience, market conditions, and external circumstances.
You should consult with qualified financial advisors, accountants, attorneys, or other professionals before making financial, investment, or business decisions.
You acknowledge that investing and entrepreneurship involve inherent risks, including the possible loss of principal. You assume all risks associated with implementing strategies learned in our courses.
Our refund policy is detailed in our separate Refund Policy document. Key points include:
You agree to use our Services only for lawful purposes and in accordance with these Terms.
You may NOT:
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to the practices described in our Privacy Policy.
Our Services may contain links to third-party websites, services, or resources. We are not responsible for:
We use third-party tools and services including:
Your use of these third-party services is subject to their respective terms and privacy policies.
TO THE FULLEST EXTENT PERMITTED BY LAW, OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
We disclaim all warranties including but not limited to:
We do not guarantee that:
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINANCIAL MASTERY ACADEMY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, OR OTHER INTANGIBLE LOSSES.
Our total liability for any claims arising from or related to these Terms or the Services shall not exceed the amount you paid for the specific course or service giving rise to the claim, or $100, whichever is greater.
This limitation applies to:
You agree to indemnify, defend, and hold harmless Financial Mastery Academy, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:
We reserve the right to:
We may update these Terms from time to time. Changes will be effective when posted with a new "Last Updated" date. Your continued use of the Services after changes constitutes acceptance of the modified Terms.
You may terminate your account at any time by contacting us. Termination does not entitle you to refunds unless otherwise specified in our Refund Policy.
We may terminate or suspend your account and access to Services immediately, without notice, for:
Upon termination:
Before pursuing formal legal action, you agree to first contact us to attempt to resolve any dispute informally.
These Terms shall be governed by and construed in accordance with the laws of South Africa, without regard to conflict of law principles.
You agree that any legal action or proceeding shall be brought exclusively in the courts located in South Africa, and you consent to the jurisdiction of such courts.
You agree to bring claims only in your individual capacity and not as part of any class or representative action.
These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Financial Mastery Academy regarding the Services.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without restriction.
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network infrastructure failures, or any other force majeure event.
We may provide notices to you via email, postal mail, or postings on our website. You agree that electronic communications satisfy any legal requirement that such communications be in writing.
For questions, concerns, or support regarding these Terms or our Services, please contact us:
Financial Mastery Academy
Address: 9913 Colleen Lock Suite 050, Port Meganbury, FS 4266, South Africa
Phone: +218964952832
Email: [email protected]
Company Registration: 63465983
Business Hours: Monday - Friday, 9:00 AM - 6:00 PM SAST
BY ACCESSING OR USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND OUR PRIVACY POLICY. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE OUR SERVICES.