Terms & Conditions

Terms of Use

1. General Provisions

These Terms of Use (hereinafter referred to as the "Terms") constitute a legally binding agreement between RONIN ACADEMY LTD (hereinafter referred to as the "Company") and any individual using the services of the investment academy (hereinafter referred to as the "User"). By using our website and services, the User confirms that they have read, understood, and agree to comply with these Terms. If the User does not agree with any provision, they must refrain from using the Company's services.

2. Description of Services

The Company provides Users with the following types of services (hereinafter collectively referred to as the "Services"):

Personal Consultations – Individual investment consultations with an expert, provided on an hourly basis. Each client may be limited to a specific number of consultation hours per month at a fixed rate.
Client Management (Analytical Support) – A comprehensive service that includes analytical support and a certain number of consultation hours per month. It is provided on a periodic payment basis (e.g., a monthly plan).
Courses – Pre-recorded video lessons on investment topics, accessible to the User through an online educational platform. A course may include multiple modules or lessons, tests, and additional materials.
Individual Lectures – Single video lessons or webinars, which the User purchases for one-time access to the corresponding educational material.
Subscription to a Private Telegram Channel – Access for a paid period to a private channel in the Telegram messenger, where exclusive analytical materials, recommendations, and other information for subscribers are published.

3. Registration and Account

3.1. User Requirements

The Services are intended exclusively for adult legally capable individuals (18 years and older). By registering on the platform or otherwise using the Services, the User confirms their legal age and capability. The Company reserves the right to request proof of age and deny service if the User does not meet the specified requirements.

3.2. Account

To access certain Services (such as online courses, a personal account, or a subscription), the User must create an account by providing accurate and up-to-date information (name, surname, email address, etc.). The User agrees to keep this information current.

3.3. Account Security

The User is responsible for maintaining the confidentiality of their account credentials (username and password). Sharing or granting access to the account to third parties is strictly prohibited. All actions performed using the User's account are considered performed by the User. In the event of unauthorized access or suspicion of it, the User must immediately notify the Company.

4. Payment Terms

4.1. Prices and Currency

The cost of Services (consultation fees, courses, subscriptions, etc.) is specified on the Company's website or agreed upon individually. All prices are listed in U.S. dollars (USD) unless stated otherwise and may be converted into another currency depending on the payment method.

4.2. Payment Procedure

Payment for Services is made in advance. The User can pay via bank card or other available payment methods. Payments are processed through a third-party payment provider (e.g., Stripe) with appropriate security measures in place. The User must provide accurate and complete payment details when making a purchase.

4.3. Automatic Subscription Renewal

Subscription-based Services (e.g., monthly access to a private Telegram channel or client management services) are automatically renewed for the next billing period unless the User cancels the subscription in advance. This means that at the end of the paid period, the associated payment method will be automatically charged for the next subscription period. The User agrees to this automatic billing when purchasing the subscription.

4.4. Trial Period

If the Company offers a free trial period for a specific subscription, the trial period conditions will be communicated to the User at the time of sign-up. At the end of the trial period, the subscription will automatically convert to a paid plan, and the corresponding charge will be applied unless the User cancels the subscription before the trial period ends.

4.5. Subscription Cancellation

The User may cancel automatic subscription renewal at any time through their personal account on the website or by contacting customer support. After cancellation, access to the corresponding Services will remain active until the end of the already paid period, but no further charges will be applied. Refunds for the unused portion of the current paid period are not issued, except in cases explicitly provided for in the Refund Policy or applicable law.

5. Refund Policy

The Company offers refunds in accordance with the Refund Policy (see below), which varies depending on the type of service: personal consultations, client management, courses, lectures, or subscriptions. The User must review the Refund Policy before purchasing a service. In summary:

For personal consultations, a refund is possible if the appointment is canceled in advance (e.g., at least 24 hours before the scheduled time).
For client management services (monthly support plans), a refund is available if the User cancels at the start of the billing cycle and has not used any consultation hours.
For purchased courses and lectures, a refund may be available within a limited period if the User has not accessed a significant portion of the content.
For Telegram channel subscriptions, the subscription can be canceled at any time, but refunds for the current billing period are only provided in cases required by law or the Refund Policy.

A detailed refund procedure is outlined in the Refund Policy document.

6. User Rights and Obligations

6.1. User Obligations

The User agrees to:

Comply with these Terms and all applicable laws, including consumer protection and intellectual property regulations.
Not share their account credentials with third parties.
Not distribute, copy, or disclose course materials, lectures, or content from the private Telegram channel without written permission from the Company. All provided materials are intended solely for the User's personal use.
Not engage in actions that disrupt the normal operation of the platform or Telegram channel (e.g., bypassing technical restrictions, spreading malware, or overloading the server with mass requests).
Interact respectfully with Company representatives and other users, avoiding offensive, discriminatory, or fraudulent behavior.

6.2. User Rights

The User has the right to:

Receive paid-for services in accordance with the agreed conditions.
Demand fulfillment of the Company's obligations, including access to purchased content, scheduled consultations, etc.
Request a refund in accordance with the Refund Policy and applicable laws.
Contact customer support to resolve issues, report technical problems, or submit requests (e.g., for unsubscribing from newsletters or deleting an account).
Exercise consumer rights under applicable law.

7. Company Rights and Obligations

7.1. Company Obligations

The Company agrees to:

Provide Services of appropriate quality as described on the website or in an individual agreement with the User.
Ensure the availability of the educational platform and private channel, except during necessary maintenance or force majeure events.
Process User refund requests within the stipulated timeframes when justified.
Protect the confidentiality of Users’ personal data and process them in accordance with the Privacy Policy.
Notify Users about significant changes in service conditions, pricing, or these Terms by publishing relevant updates on the website and/or sending email notifications.

7.2. Company Rights

The Company reserves the right to:

Suspend or terminate a User's access to Services for violating these Terms or applicable laws (e.g., account sharing, illegal distribution of materials, or fraudulent activity). In such cases, refunds for unused periods will not be issued.
Modify, update, or enhance provided Services, including adding or removing course content. Significant changes that affect already purchased Services will not worsen the User's experience or will be compensated (e.g., by extending access or providing alternative materials of equal value).
Request additional information from the User in cases required by law (e.g., for anti-money laundering (AML) compliance or identity verification for high-value transactions).
Transfer rights and obligations under these Terms to a third party in the event of a business sale or reorganization, provided that User rights remain protected.
Unilaterally amend these Terms, ensuring publication of the updated version and notifying Users appropriately. If the User continues to use the Services after the changes take effect, this constitutes acceptance of the new Terms.

8. Intellectual Property

8.1. Ownership of Materials

All materials provided by the Company as part of the Services (including but not limited to video lessons, texts, graphics, logos, source code, and other educational materials) are intellectual property protected by copyright, trademark law, and/or other applicable rights.

8.2. License to Use Materials

The Company grants the User a limited, non-exclusive, non-transferable license to use the acquired materials solely for personal, non-commercial purposes. This license remains valid for the duration of access to the respective material/service and does not imply a transfer of ownership rights to the materials.

8.3. Prohibited Actions

The User is strictly prohibited from:

Copying, reproducing, or distributing materials (in whole or in part) for any purpose other than their personal education.
Transferring or reselling access to course materials, lectures, or the private channel to third parties or publicly displaying the materials.
Creating derivative works based on the Company’s materials (e.g., translations, modifications, compilations) for public or commercial use.

8.4. Consequences of Unauthorized Use

The User acknowledges that any unauthorized use of the Company’s materials constitutes a violation of these Terms and may result in legal liability as provided by law.

9. Limitation of Liability

9.1. General Disclaimer

The Services are provided on an "as-is" and "as-available" basis. The Company makes reasonable efforts to ensure the accuracy of information and uninterrupted operation of the platform but does not guarantee that the Services will always be error-free, without failures, or interruptions. The Company does not guarantee that the information obtained through the Services will lead to any specific financial results for the User.

9.2. No Financial Advice

All information provided through the investment academy (including consultations, analytical materials, courses, and other content) is for educational and informational purposes only. The Company, its experts, and instructors are not responsible for financial decisions made by the User based on the provided materials.

Investments involve risks, and Users make decisions at their own discretion. If the User requires personalized investment recommendations, they should consult a licensed financial advisor.

9.3. Limitation of Company Liability

To the maximum extent permitted by law, the Company is not liable for indirect, incidental, consequential, special, or punitive damages, including lost profits, data loss, reputational damage, or service interruptions.

In any case, the Company’s maximum liability, if determined by a court, shall not exceed the amount actually paid by the User for the Service that gave rise to the claim.

9.4. Third-Party Resources

The Company’s website and materials may contain links to third-party websites or resources. These links are provided for convenience only, and the Company is not responsible for the content, privacy policies, or practices of these external resources.

Accessing third-party websites is at the User's own risk.

10. Dispute Resolution and Governing Law

10.1. Governing Law

These Terms and any disputes or claims (contractual or non-contractual) arising out of or in connection with them shall be governed by the laws of England and Wales, unless otherwise required by mandatory provisions of local consumer protection laws.

At the same time, the Company strives to comply with applicable consumer protection laws in the jurisdictions where Users reside (including the EU, the USA, and CIS countries) to the extent that it does not conflict with the chosen governing law.

10.2. Pre-Trial Dispute Resolution

All disputes between the User and the Company must first be attempted to be resolved through negotiation.

The User must submit a written complaint to customer support (support@investmentacademy.com) describing the issue.

The Company will review the complaint and respond within a reasonable timeframe (typically up to 30 days).

10.3. Jurisdiction

If the dispute cannot be resolved amicably, it shall be submitted to the competent court in England, unless otherwise required by local consumer protection laws, which may allow the User to bring a claim in their country of residence.

10.4. Class Action Waiver

The User agrees to resolve disputes only on an individual basis.

Filing class actions or consolidating claims from multiple individuals is not permitted, to the extent allowed by law.

11. Miscellaneous Provisions

11.1. Changes to the Terms

The Company reserves the right to update these Terms periodically.

The updated version becomes effective upon publication on the website, unless otherwise specified. The Company will notify Users of significant changes by posting a notice on the website and/or sending an email.

If the User continues using the Services after the changes take effect, this will be considered acceptance of the new Terms.

11.2. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain legally valid and binding.

11.3. No Waiver

The failure or delay of the Company in enforcing any right or provision of these Terms shall not constitute a waiver of such right or provision.

11.4. Contact Information

For any questions related to these Terms, the User can contact the Company via email:

support@ronin-project.com

Additional contact information is provided in the Privacy Policy.
+442045773221

Last updated: February 27, 2025.