Effective Date: January 1, 2025
IMPORTANT: Please read these Terms and Conditions carefully before using our website or purchasing our services. By accessing or using our services, you agree to be bound by these terms. If you do not agree with any part of these terms, you must not use our services.
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Financial Education Academy ("Company," "we," "us," or "our"), a financial education provider registered in South Africa (Registration Number: 05489933), operating the website https://myrealchange.org and providing financial education products and services.
By accessing our website, registering for an account, purchasing our educational packages, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy and Refund Policy.
For the purposes of these Terms:
You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you are of legal age to form a binding contract and meet all eligibility requirements. If you are under 18, you may only use our services with the involvement and consent of a parent or legal guardian.
To access certain features and purchase educational packages, you must create an account. When creating an account, you agree to:
We reserve the right to suspend or terminate your account at any time if you violate these Terms, engage in fraudulent activity, or for any other reason at our sole discretion. You may also terminate your account by contacting us, subject to the completion of any pending transactions and obligations.
We offer various educational packages designed to provide financial education and investment knowledge. Package details, including content, pricing, and features, are described on our website. We reserve the right to modify, discontinue, or change package offerings at any time without prior notice.
Upon successful purchase of an educational package, you will receive access to the corresponding course materials and content. Access is granted as follows:
We continuously improve our educational content. Purchasers of certain packages may receive updates and new materials at no additional cost, as specified in the package description. However, we are not obligated to provide updates and reserve the right to modify content at our discretion.
All prices are displayed in U.S. Dollars (USD) and are subject to change without notice. The price applicable to your purchase is the price displayed at the time you complete your transaction. We reserve the right to correct pricing errors and may cancel orders placed at incorrect prices.
We accept various payment methods as displayed during checkout. All payments are processed through secure third-party payment processors. You agree to provide valid payment information and authorize us to charge the specified amount.
Payment is due immediately upon order placement. Your order will be processed upon successful payment verification. We do not store credit card information on our servers; all payment data is handled by PCI-DSS compliant payment processors.
Prices do not include applicable taxes, duties, or fees. You are responsible for paying all applicable taxes associated with your purchase. We will collect taxes where required by law.
Our refund policy is detailed in a separate Refund Policy document available on our website. By purchasing our services, you acknowledge that you have read and agree to our refund terms. Key points include:
Please review our complete Refund Policy for detailed information.
All content, materials, trademarks, logos, course materials, videos, text, graphics, software, and other intellectual property available through our services are owned by or licensed to Financial Education Academy. This content is protected by copyright, trademark, patent, trade secret, and other intellectual property laws.
Upon purchasing an educational package, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the content solely for your personal, non-commercial educational purposes. You may not:
We respect intellectual property rights and expect users to do the same. If you believe your copyright has been infringed, please contact us with detailed information to address the matter promptly.
You agree to use our services only for lawful purposes and in accordance with these Terms. You agree NOT to:
Violation of these provisions may result in immediate account termination and legal action.
IMPORTANT DISCLAIMER: Our services provide educational content about financial topics, investment strategies, and wealth building. The information provided is for educational purposes only and should not be considered as financial, investment, legal, or tax advice. You should consult with qualified professionals before making any financial decisions.
We are not a licensed investment advisor, broker-dealer, or financial planner. We do not provide personalized investment recommendations. Any investment strategies discussed in our educational content are for illustrative purposes only. Past performance is not indicative of future results.
Investing involves risk, including the potential loss of principal. You acknowledge that:
We make no guarantees, warranties, or representations regarding:
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, title, or non-infringement. We do not warrant that:
To the maximum extent permitted by law, Financial Education Academy, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
Our total liability for any claims arising from your use of our services shall not exceed the amount you paid for the specific service giving rise to the claim, or $100 USD, whichever is less.
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
You agree to indemnify, defend, and hold harmless Financial Education Academy, its officers, directors, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:
Our website may contain links to third-party websites, services, or resources not owned or controlled by us. We provide these links for convenience only and do not endorse or assume responsibility for:
Your interactions with third-party services are solely between you and the third party. We are not liable for any loss or damage resulting from third-party interactions.
Your privacy is important to us. Our collection, use, and protection of your personal information are governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our data practices as described in the Privacy Policy.
We reserve the right to modify, amend, or update these Terms at any time at our sole discretion. Changes will be effective upon posting to our website with an updated "Effective Date." Material changes will be communicated through:
Your continued use of our services after changes become effective constitutes acceptance of the modified Terms. If you do not agree to changes, you must discontinue using our services.
We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including but not limited to:
You may terminate your account at any time by contacting us. Termination does not relieve you of any payment obligations or liabilities incurred prior to termination.
Upon termination:
These Terms shall be governed by and construed in accordance with the laws of South Africa, without regard to its conflict of law provisions.
You agree that any legal action or proceeding arising from these Terms or your use of our services shall be brought exclusively in the courts of South Africa. You consent to the personal jurisdiction of such courts and waive any objections to venue.
Before initiating formal legal proceedings, we encourage you to contact us to seek informal resolution of any disputes. Many disputes can be resolved quickly and amicably through direct communication.
For disputes that cannot be resolved informally, you agree that disputes will be resolved through binding arbitration in accordance with the arbitration rules of South Africa, except where prohibited by law. The arbitration will be conducted in English in Renéchester, South Africa.
To the extent permitted by law, you agree to bring claims only in your individual capacity and not as a plaintiff or class member in any class action, consolidated proceeding, or representative action.
These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Financial Education Academy regarding your use of our services, superseding any prior agreements.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative.
You may not assign, transfer, or delegate your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without restriction.
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, labor disputes, government actions, internet failures, or natural disasters.
Notices to you may be made via email, postal mail, or posting on our website. You agree that electronic notices satisfy any legal communication requirements. Notices to us should be sent to the contact information provided below.
Section headings are for convenience only and do not affect the interpretation of these Terms.
If you have questions, concerns, or disputes regarding these Terms, please contact us:
Financial Education Academy
6688 Joubert Field
Renéchester, EC 9428
South Africa
Email: [email protected]
Phone: +22944005878
Registration Number: 05489933
We will respond to your inquiry within a reasonable timeframe.
By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. You represent that you have the legal capacity to enter into these Terms and that all information provided is accurate and complete.
Last Updated: January 1, 2025