Terms of Use

Terms of Service for The Dividend Academy

1. Introduction & Acceptance of Terms

Welcome to The Dividend Academy (“the Course”), provided by Stratosphyr Private Limited (“we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of the Course. By enrolling in or accessing any part of the Course, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, you should not enroll in or access the Course.

Eligibility: You must be at least 18 years old to participate in the Course. If you are under 18, you may access the Course only with the involvement of a parent or legal guardian who agrees to these Terms.

2. Course Content & Access

2.1. Course Description: The Course provides educational content on investment strategies, personal finance, and related topics. All materials, including videos, slides, documents, and any other content, are provided solely for educational purposes.

2.2. Access to Course Materials: Upon enrollment and payment, you will receive access to the Course materials through our online platform. Access is limited to you personally and may not be shared with others.

2.3. Modification of Course Content: We reserve the right to update, modify, or discontinue any part of the Course content at any time without prior notice.

3. Intellectual Property & License

3.1. Ownership of Content: All content provided in the Course is the exclusive property of Stratosphyr Private Limited and is protected by copyright, trademark, and other intellectual property laws.

3.2. License to Use: We grant you a limited, non-exclusive, non-transferable license to access and use the Course materials for your personal, non-commercial use. You may not reproduce, distribute, modify, or create derivative works from the Course content without our express written consent.

3.3. Restrictions: You agree not to share, resell, copy, or otherwise distribute any Course materials to third parties.

4. Payment & Refund Policy

4.1. Payment Terms: All payments for the Course must be made in full at the time of enrollment. Prices are listed on our website and are subject to change.

4.2. Refund Policy: We offer a 28 day refund policy from the date of purchase. To request a refund, please contact us with your enrollment details. 

4.3. Cancellation: You may cancel your enrollment at any time, but no refunds will be issued beyond the 28 day refund period.

5. Disclaimers & Limitation of Liability

5.1. Educational Purpose: The Course is provided for informational and educational purposes only and should not be construed as financial, investment, or legal advice. You are solely responsible for your own investment decisions and actions.

5.2. No Guarantees: We make no guarantees or promises regarding the success, profitability, or outcomes of any investment strategies taught in the Course.

5.3. Risk Acknowledgment: You acknowledge that investing involves risks, including the potential loss of principal. You should conduct your own research or consult a qualified financial advisor before making investment decisions.

5.4. Limitation of Liability: To the fullest extent permitted by law, Stratosphyr Private Limited will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your participation in the Course, even if we have been advised of the possibility of such damages.

6. User Conduct & Obligations

6.1. Prohibited Activities: You agree not to engage in any of the following activities:

• Sharing your login details with others.
• Reproducing, distributing, or publicly displaying Course materials without authorisation.
• Using the Course for any illegal, fraudulent, or unauthorised purpose.

6.2. Termination of Access: We reserve the right to suspend or terminate your access to the Course at any time, without notice, if you violate these Terms.

7. Confidentiality & Privacy

7.1. Confidentiality: You agree to keep all proprietary information, strategies, and techniques taught in the Course confidential and not to disclose them to any third parties.

7.2. User Data: We collect and process personal information in accordance with our Privacy Policy. By enrolling in the Course, you consent to our collection and use of your data as described in the Privacy Policy.

8. Third-Party Links & Resources

The Course may contain links to third-party websites or resources. These links are provided for your convenience, and we do not endorse or assume any responsibility for the content, products, or services provided by these third parties. Accessing these websites is at your own risk.

9. Affiliate Links Disclosure

Some of the links included in the Course materials, website, or resources may be affiliate links. This means that if you click on the link and make a purchase, we may receive a commission or other form of compensation at no additional cost to you. We only recommend products or services that we believe will provide value to you, but you acknowledge that we are not responsible for the quality, accuracy, or reliability of any third-party products or services purchased through these links. Your participation is entirely voluntary, and it is your responsibility to review the terms and conditions of any third-party websites or services before making a purchase

10. Dispute Resolution & Governing Law

10.1. Governing Law: These Terms are governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law principles.

10.2. Dispute Resolution: Any disputes arising out of or relating to these Terms will be resolved through [mediation/arbitration/litigation] in [Your Jurisdiction]. You agree to submit to the exclusive jurisdiction of the courts in [Your Jurisdiction].

11. Changes to the Terms of Service

We reserve the right to modify or update these Terms at any time. Any changes will be effective immediately upon posting on our website. We will notify you of any material changes via email or through a notice on our website. Your continued use of the Course following the posting of changes constitutes your acceptance of the updated Terms.

12. Contact Information

If you have any questions, concerns, or requests regarding these Terms of Service, please contact us using the forms provided.

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By enrolling in or accessing the Course, you acknowledge that you have read, understood, and agree to these Terms of Service.