Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") govern your use of Degusnonli' website, services, and educational programs (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use our Services.

2. About Degusnonli

Degusnonli is an educational company providing investment and financial education services to individuals in the United Kingdom. We are located at:

3. Educational Services

3.1 Course Offerings

We offer various investment education courses including:

• Foundation Investment Course
• Advanced Trading Strategies
• Portfolio Management Masterclass
• Retirement Planning Course
• 1-on-1 Mentorship sessions

3.2 Educational Purpose

Our courses are designed for educational purposes only. The information provided:

• Does not constitute financial advice
• Should not be considered as investment recommendations
• Is general in nature and may not suit your personal circumstances
• Should be supplemented with professional financial advice when making investment decisions

4. User Responsibilities

4.1 Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Be legally capable of entering into binding contracts
• Provide accurate and complete information when enrolling
• Comply with all applicable laws and regulations

4.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Using strong passwords and keeping them secure

4.3 Prohibited Uses

You may not use our Services to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Share course materials without authorization
• Disrupt or interfere with our Services
• Engage in fraudulent or deceptive practices
• Use automated systems to access our content

5. Payment and Refunds

5.1 Course Fees

Course fees are clearly displayed on our website and must be paid in full before accessing course materials unless otherwise agreed in writing.

5.2 Payment Methods

We accept various payment methods as displayed during checkout. All payments are processed securely through third-party payment processors.

5.3 Refund Policy

• Full Refund: Available within 14 days of purchase if no course materials have been accessed
• Partial Refund: May be considered on a case-by-case basis for extenuating circumstances
• No Refund: After 30 days from purchase date or substantial course completion
• Processing Time: Refunds are processed within 5-10 business days

6. Intellectual Property

6.1 Our Content

All content provided in our courses, including but not limited to:

• Text, videos, audio recordings, and presentations
• Course materials, worksheets, and templates
• Logos, trademarks, and branding elements
• Software and digital tools

Are protected by copyright and other intellectual property laws. You receive a limited, non-exclusive license to access and use these materials solely for personal educational purposes.

6.2 Restrictions

You may not:

• Copy, distribute, or share course materials with others
• Modify, adapt, or create derivative works
• Use materials for commercial purposes
• Remove copyright notices or attribution

7. Disclaimers and Limitations

7.1 Investment Risk Disclaimer

IMPORTANT: All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results. Our courses are educational only and do not constitute:

• Financial advice or investment recommendations
• Guarantees of investment performance
• Professional financial planning services
• Regulatory compliance advice

You should consult with qualified financial advisors before making investment decisions.

7.2 Service Availability

We strive to maintain continuous service availability but cannot guarantee:

• Uninterrupted access to online materials
• Error-free content or technical functionality
• Compatibility with all devices or browsers
• Preservation of user data during technical issues

7.3 Limitation of Liability

To the maximum extent permitted by law, Degusnonli shall not be liable for:

• Any investment losses or financial damages
• Indirect, consequential, or punitive damages
• Loss of profits, data, or business opportunities
• Damages arising from third-party services or content

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

8. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your personal information in compliance with GDPR and UK data protection laws.

9. Course Access and Completion

9.1 Access Period

Unless otherwise specified:

• Online course access is provided for 12 months from enrollment date
• Live sessions must be attended at scheduled times
• Course materials may be updated without notice
• Access may be extended for reasonable requests

9.2 Certificates

Certificates of completion are provided when you:

• Complete all required course modules
• Meet any assessment requirements
• Maintain good standing with payment obligations

10. Termination

10.1 By You

You may terminate your enrollment at any time, subject to our refund policy outlined in Section 5.3.

10.2 By Us

We may terminate or suspend your access immediately if you:

• Breach these Terms of Service
• Engage in prohibited activities
• Fail to pay required fees
• Violate our code of conduct

11. Changes to Terms

We may update these Terms from time to time. When we do:

• We will post the updated Terms on our website
• We will update the "Last Updated" date
• For material changes, we will provide email notification
• Continued use of our Services constitutes acceptance of new Terms

12. Governing Law and Disputes

12.1 Governing Law

These Terms are governed by the laws of England and Wales, without regard to conflict of law principles.

12.2 Dispute Resolution

We encourage resolving disputes through direct communication. If needed:

• Initial disputes should be addressed through our customer service
• Unresolved disputes may be subject to mediation
• Legal proceedings must be brought in the courts of England and Wales

13. Additional Provisions

13.1 Severability

If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force and effect.

13.2 Entire Agreement

These Terms, along with our Privacy Policy and Course-specific terms, constitute the entire agreement between you and Degusnonli.

13.3 Assignment

You may not assign or transfer your rights under these Terms. We may assign our rights and obligations to a successor entity.

14. Contact Information

For questions about these Terms or our Services, please contact us: