Terms and Conditions

Acceptance of Terms

By accessing and using Skillgushsolution's investment education services, you agree to be bound by these Terms and Conditions. These terms govern your use of our online courses, educational materials, and related services. If you do not agree with any part of these terms, please do not use our services.

Definitions

For the purposes of these terms, the following definitions apply:

• "Services" refers to our investment education courses, materials, and online platform
• "User" means any individual who accesses or uses our services
• "Content" includes all educational materials, videos, documents, and resources provided
• "Platform" refers to our website, mobile applications, and learning management system

Eligibility

To use our services, you must meet the following requirements:

Use of Services

Your use of our investment education services is subject to the following conditions:

Intellectual Property

All course content, including text, videos, audio recordings, images, and software, is protected by intellectual property laws. Skillgushsolution retains all rights to our educational materials. Users receive a limited, non-transferable license to access content for personal educational use only.

User Obligations

As a user of our services, you agree to:

• Maintain the confidentiality of your account credentials
• Provide accurate and up-to-date information
• Respect other users and maintain professional conduct
• Comply with all applicable laws and regulations

Payment and Refunds

Course fees are due in full upon enrollment. We accept various payment methods including credit cards and bank transfers. Refunds are available within 14 days of purchase if you have accessed less than 25% of the course content. Refund requests must be submitted in writing with a valid reason.

Disclaimers

Our investment education courses are for informational purposes only and do not constitute financial advice. We do not guarantee investment returns or outcomes. Market conditions and individual circumstances vary, and past performance does not predict future results.

Limitation of Liability

Skillgushsolution shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability shall not exceed the amount you paid for the specific service giving rise to the claim.

Termination

We may terminate your access to our services for the following reasons:

• • Violation of these Terms and Conditions
• • Fraudulent or inappropriate behavior
• • Non-payment of fees or chargebacks

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

Governing Law

These Terms and Conditions are governed by South African law. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of South African courts.

Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.