Terms and Conditions

Last Updated: June 21, 2025

These Terms and Conditions govern your use of Melorthanivus services and enrollment in our investment education courses.

1. Acceptance of Terms

   By accessing our website or enrolling in courses, you agree to these terms. If you disagree with any part, please do not use our services.

2. Course Enrollment and Payment

   • Course fees are as advertised (€250-€500)
   • Payment is required before course access
   • Prices may change without notice for future enrollments
   • All fees are non-refundable after 14 days of course commencement

3. Course Access and Delivery

   • Online courses are delivered through our learning platform
   • Access is provided for the duration specified in your enrollment
   • Technical requirements are your responsibility
   • Course materials are for personal use only

4. Intellectual Property

   • All course content is owned by Melorthanivus
   • You may not reproduce, distribute, or sell course materials
   • Unauthorized sharing may result in account termination

5. User Responsibilities

   • Provide accurate enrollment information
   • Maintain confidentiality of login credentials
   • Use services in compliance with applicable laws
   • Respect other users and instructors

6. Limitation of Liability

   • Educational content is for informational purposes only
   • We do not guarantee investment success or specific outcomes
   • Our liability is limited to the amount paid for courses
   • We are not responsible for investment decisions made

7. Investment Disclaimer

   • Course content does not constitute financial advice
   • Past performance does not guarantee future results
   • Consult qualified financial advisors before making investment decisions
   • All investments carry risk of loss

8. Termination

   We may terminate access for breach of terms or inappropriate conduct. You may cancel your account at any time.

9. Governing Law

   These terms are governed by South African law. Disputes will be resolved in South African courts.

10. Data Protection

    Personal information is processed according to our Privacy Policy and the Protection of Personal Information Act (POPIA).

11. Changes to Terms

    We may modify these terms. Continued use after changes constitutes acceptance.

12. Contact Information

    For questions about these terms:

    • Email: legal@melorthanivus.com
    • Phone: +27 11 224 0674
    • Address: 123 Financial District, Sandton, Johannesburg, 2196

13. Severability

    If any provision is found unenforceable, the remainder of these terms will remain in effect.