Terms and Conditions

These Terms and Conditions govern your use of penolarith.com services and website. By accessing our services, you agree to be bound by these terms. Please read them carefully. 1. Service Description: penolarith.com provides online portfolio investment education courses ranging from €250 to €500. Our courses include video content, educational materials, and support resources delivered through our online platform. 2. Eligibility: You must be at least 18 years old and have the legal capacity to enter into contracts. By enrolling, you represent that you meet these requirements. 3. Registration and Payment: Course fees must be paid in full before access is granted. We accept major credit cards and electronic payments. All fees are non-refundable except as specified in our refund policy. 4. Course Access: Upon payment, you will receive access to course materials for the duration specified in your enrollment. Access may be revoked for violation of these terms. 5. Intellectual Property: All course content, including videos, text, graphics, and materials, are owned by penolarith.com and protected by copyright laws. You may not reproduce, distribute, or create derivative works without written permission. 6. User Conduct: You agree to use our services lawfully and respectfully. Prohibited activities include sharing login credentials, attempting to hack our systems, or using content for commercial purposes without permission. 7. Educational Nature: Our courses are for educational purposes only and do not constitute financial advice. Investment decisions are your responsibility, and you should consult qualified professionals before making financial commitments. 8. Disclaimers: We make no guarantees about investment outcomes or course results. Past performance does not predict future results. Market conditions can change, affecting the relevance of course content. 9. Limitation of Liability: penolarith.com's liability is limited to the amount paid for the course. We are not liable for indirect, consequential, or punitive damages arising from your use of our services. 10. Refund Policy: Refunds may be available within 14 days of purchase if less than 25% of course content has been accessed. Refund requests must be made in writing to info@penolarith.com. 11. Privacy: Your personal information is governed by our Privacy Policy, which forms part of these terms. 12. Termination: We may terminate your access for violation of these terms. Upon termination, your right to use our services ceases immediately. 13. Governing Law: These terms are governed by South African law. Any disputes will be resolved in South African courts. 14. Changes: We may modify these terms at any time. Continued use after changes constitutes acceptance of new terms. 15. Contact: For questions about these terms, contact us at info@penolarith.com or +27 11 234 5678. Effective Date: June 20, 2025.