Terms of Use

Introduction

Welcome to InvestSpark Academy. These Terms of Use govern your use of our website located at www.investsparkacademy.co.za and any related services offered by InvestSpark Academy.

By accessing or using our website, you agree to be bound by these Terms of Use. If you disagree with any part of these terms, please do not use our website or services.

Definitions

In these Terms of Use, unless the context indicates a contrary intention, the following words and expressions bear the meanings assigned to them and cognate expressions bear corresponding meanings:

  • "Content" means any information, data, text, software, music, sound, photographs, graphics, video, messages or other materials published on or accessible via the Website.
  • "InvestSpark Academy" means the investment education institution located at 40 Heerengracht St, Cape Town City Centre, Cape Town, 8000, South Africa.
  • "Services" means the educational services, courses, and related offerings provided by InvestSpark Academy.
  • "User" means any person who accesses or uses the Website.
  • "Website" means the website located at www.investsparkacademy.co.za or any other websites owned or operated by InvestSpark Academy.

Use of the Website

By using our website, you agree to:

  • Use the website only for lawful purposes and in accordance with these Terms of Use.
  • Not use the website in any way that violates any applicable national or international law or regulation.
  • Not attempt to gain unauthorized access to any portion or feature of the website, or any other systems or networks connected to the website.
  • Not interfere with the proper working of the website.
  • Not use any robot, spider, crawler, scraper, or other automated means to access the website for any purpose without our express written permission.
  • Not bypass any measures we may use to prevent or restrict access to the website.

Account Registration

Some portions of the website may require you to create an account. When you create an account, you agree to:

  • Provide accurate, current, and complete information.
  • Maintain and promptly update your account information.
  • Keep your account credentials secure and confidential.
  • Not share your account credentials with any third party.
  • Notify us immediately of any unauthorized use of your account or any other breach of security.
  • Accept responsibility for all activities that occur under your account.

We reserve the right to terminate or suspend your account at our sole discretion, without notice, for conduct that we believe violates these Terms of Use or is harmful to other users of the website, us, or third parties, or for any other reason.

Intellectual Property

The website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by InvestSpark Academy, its licensors, or other providers of such material and are protected by South African and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms of Use permit you to use the website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website, except as follows:

  • Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
  • You may store files that are automatically cached by your Web browser for display enhancement purposes.
  • You may print or download one copy of a reasonable number of pages of the website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
  • If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.

Course Registration and Payment

When registering for courses or services offered by InvestSpark Academy, you agree to:

  • Provide accurate, current, and complete information.
  • Pay all fees and charges associated with your course registration promptly.
  • Abide by the specific terms and conditions applicable to the course or service.

Course fees are subject to change without notice. Payment must be made in full before course materials can be accessed or services can be provided, unless otherwise specified.

Refund Policy

Our refund policy is as follows:

  • Cancellations made 14 days or more before the course start date are eligible for a full refund, minus an administration fee.
  • Cancellations made 7-13 days before the course start date are eligible for a 50% refund.
  • Cancellations made less than 7 days before the course start date are not eligible for a refund.
  • For online courses, refunds are available within 7 days of purchase if the course content has not been accessed.

All refund requests must be submitted in writing to [email protected].

User Contributions

The website may contain forums, blogs, message boards, and other interactive features that allow users to post, submit, publish, display, or transmit content or materials on or through the website.

Any content you post to the website will be considered non-confidential and non-proprietary. By providing any content on the website, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material.

You represent and warrant that:

  • You own or control all rights in and to the content you post and have the right to grant the license granted above.
  • All of your content does not violate the rights of any third party, including copyright, trademark, privacy, or other personal or proprietary rights.
  • Your content does not violate any applicable law, regulation, or rule.

Prohibited Content

You may not post or submit any content that:

  • Is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.
  • Promotes sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
  • Infringes any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person.
  • Violates the legal rights (including the rights of publicity and privacy) of others or contains any material that could give rise to any civil or criminal liability under applicable laws or regulations.
  • Promotes illegal activity or advocates, promotes, or assists any unlawful act.
  • Impersonates any person, or misrepresents your identity or affiliation with any person or organization.
  • Involves commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising.

Disclaimer of Warranties

The information provided on the website is for general informational purposes only. All information on the website is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the website.

The website may include content provided by third parties. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by InvestSpark Academy, are solely the opinions and the responsibility of the person or entity providing those materials.

INVESTMENT EDUCATION DISCLAIMER: The information provided by InvestSpark Academy is for educational purposes only and is not intended as financial advice. Investment involves risk. The value of your investment can go down as well as up, and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance.

Limitation of Liability

IN NO EVENT WILL INVESTSPARK ACADEMY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

Indemnification

You agree to defend, indemnify, and hold harmless InvestSpark Academy, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Use or your use of the website, including, but not limited to, your user contributions, any use of the website's content, services, and products other than as expressly authorized in these Terms of Use, or your use of any information obtained from the website.

Governing Law and Jurisdiction

These Terms of Use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the Republic of South Africa.

Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the website shall be instituted exclusively in the courts of the Republic of South Africa, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country.

Waiver and Severability

No waiver by InvestSpark Academy of any term or condition set out in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of InvestSpark Academy to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the website thereafter. Your continued use of the website following the posting of revised Terms of Use means that you accept and agree to the changes.

Contact Us

If you have any questions about these Terms of Use, please contact us at:

InvestSpark Academy
40 Heerengracht St, Cape Town City Centre
Cape Town, 8000
South Africa
Email: [email protected]
Phone: +27 21 023 0900

Last updated: March 22, 2025