Terms and Conditions

Last updated: July 1, 2025

Acceptance of Terms

By accessing and using Zulvarinapp investment education services, you agree to be bound by these terms and conditions.

If you do not agree with any part of these terms, you may not access our services.

Definitions

For the purposes of these terms, the following definitions apply:

  • Service: Our online investment education platform and related educational materials
  • User: Any individual who accesses or uses our investment education services
  • Content: All educational materials, courses, videos, and resources provided through our platform
  • Company: Zulvarinapp and its affiliated educational services

Use of Service

Your access to our investment education platform is subject to the following conditions:

Permitted Uses

  • Access course materials for personal educational purposes
  • Participate in online discussions and educational activities
  • Download materials for offline study as specified in your course

Prohibited Uses

  • Sharing login credentials or course access with unauthorized users
  • Reproducing or distributing copyrighted course materials
  • Using the platform for any unlawful or fraudulent activities
  • Attempting to interfere with the platform's security or functionality

Intellectual Property

All course content, materials, and educational resources are protected by copyright and remain the property of Zulvarinapp.

You may not reproduce, distribute, or create derivative works without our written permission.

Privacy Policy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect and use your information. privacy-policy.html

Payment Terms

Course fees are payable according to the following terms:

  • All prices are displayed in South African Rand and include applicable VAT
  • Payment is required before course access is granted
  • We accept major credit cards and secure online payment methods

Refund Policy

We offer a satisfaction guarantee on our investment education courses.

Refunds may be requested within 30 days of purchase, subject to our refund conditions.

Educational Disclaimer

Our courses provide educational information only and do not constitute financial advice.

Read full disclaimer disclaimer.html

Limitation of Liability

Zulvarinapp shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services.

Our total liability shall not exceed the amount you paid for the specific course or service.

Indemnification

You agree to indemnify and hold Zulvarinapp harmless from any claims, damages, or expenses arising from your violation of these terms or misuse of our services.

Termination

We reserve the right to terminate your access to our services for violation of these terms.

Upon termination, your right to access course materials will cease immediately.

Governing Law

These terms are governed by South African law, and any disputes will be resolved in South African courts.

Changes to Terms

We may modify these terms at any time to reflect changes in our services or legal requirements.

We will notify users of significant changes through email or platform notifications.

Contact Information

If you have questions about these terms and conditions, please contact us:

Email: info@zulvarinapp.com

Address: 123 Financial District, Cape Town, Western Cape, 8001, South Africa

Phone: +27 82 858 6223

These terms constitute a binding agreement between you and Zulvarinapp.