Terms and Conditions

1) Acceptance of Terms

a) These Terms and Conditions (“Terms”) regulate your (“you” or “your”) access to and use of the website operated by Skillify Digital Ltd (“Company”, “we”, “us”, or “our”) and any services made available through it (the “Website”).

b) By accessing, browsing, registering on, or using the Website or any services provided through it, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree with any part of these Terms, you must immediately discontinue use of the Website and Services.

2) Nature of Services

a) The Company provides online educational content, training programs, and informational materials related to financial markets and related topics (the “Services”).

b) All content and Services are provided strictly for general informational and educational purposes. Nothing made available through the Website constitutes financial, investment, legal, tax, or accounting advice.

c) The Company does not offer personalized advisory services. Any financial or investment decisions you make are entirely your own responsibility. You are strongly encouraged to seek independent advice from licensed professionals before making any financial commitments.

d) No representation or warranty is made regarding the accuracy, completeness, or reliability of the information provided. Financial markets involve risk, and actual outcomes may differ from examples, demonstrations, or strategies discussed within the Services.

e) The Company shall not be liable for any trading decisions, financial losses, or other damages arising from reliance on the Services or Website content.

f) By using the Website, you confirm that:

i) You will use the Website in compliance with all applicable laws and these Terms;
ii) Any information you provide is accurate, current, and complete;
iii) Your submissions do not infringe any third-party rights or violate any law;
iv) You will promptly update any information that becomes inaccurate.

3) License and Use Restrictions

a) Subject to compliance with these Terms, the Company grants you a limited, personal, non-exclusive, non-transferable, and revocable license to access and use the Services for your own non-commercial purposes.b) Purchasing access to any Service grants you the right to view and use the content provided. It does not transfer ownership of any intellectual property or software.

c) You may not:

i) Share, assign, or transfer your account;
ii) Reproduce, distribute, modify, publish, sell, or commercially exploit any content;
iii) Reverse engineer, duplicate, or create derivative works;
iv) Use the Services for commercial training, resale, or service bureau purposes.

The Company reserves the right to pursue legal remedies for unauthorized use.

4) Access and Termination

a) We reserve the right to suspend, restrict, or terminate access to the Website or your account at our sole discretion, with or without notice.

b) If your account is terminated for reasons other than breach of these Terms, you may retain access to Services already purchased, unless otherwise determined by The Company.

c) In cases involving suspected abuse, security breaches, or violations of these Terms, the Company may immediately disable access without prior notice.

d) The Website and Services are not intended for individuals under eighteen (18) years of age. We do not knowingly collect personal data from minors.

e) You may request cancellation of a Service purchase within fourteen (14) days from receipt of the confirmation email by contacting info@skillifydg.com. Requests made through other channels will not be considered valid.

f) Refunds may be refused where digital content has already been accessed, downloaded, or made immediately available.

5) Privacy and Data Processing

a) Personal information is processed in accordance with our Privacy Policy.

b) By using the Website, you consent to the collection and processing of your data as described in the Privacy Policy and confirm that all data provided is accurate.

6) Educational Status

a) The Company is not an accredited educational institution.

b) Participation in any course does not grant academic credit, professional certification, or formal qualification.

c) Certificates of completion, if issued, merely confirm participation and do not represent accreditation or recognition by any academic or regulatory body.

7) Fees and Payments

a) Access to certain Services requires payment of fees displayed on the Website at the time of purchase.

b) By submitting payment, you agree to pay all applicable charges, including any taxes such as VAT where required by law.

c) Upon successful payment, you will receive a confirmation email acknowledging your order.

d) Payments are processed through third-party payment providers. The Company does not store payment details. Additional charges (e.g., currency conversion fees) may apply depending on your financial institution.

8) Third-Party Content

a) The Website may include links to external websites or resources operated by third parties.

b) The Company does not control or endorse third-party content and is not responsible for its accuracy, legality, or security practices.

c) Your interaction with third-party services is at your own risk. You should review their terms and privacy policies before use.

d) The Company disclaims liability for any damages arising from reliance on third-party
materials.

9) Intellectual Property Rights

a) All content, trademarks, software, and materials available through the Website are owned by the Company or its licensors and are protected by intellectual property laws.

b) No ownership rights are transferred to you by virtue of accessing the Website.

c) You agree not to infringe, misuse, or damage any intellectual property belonging to The Company.

d) You shall not:

i) Copy, modify, distribute, or create derivative works from any content;
ii) Develop competing services using similar content or functionality;
iii) Introduce malicious software or attempt to interfere with Website security.

e) You agree to indemnify the Company against any claims arising from your misuse of the Website or infringement of intellectual property rights.

10) Risk Disclosure and Limitation of Liability

a) Trading and investing involve significant risk, including potential loss of capital.

b) NOTHING ON THE WEBSITE CONSTITUTES AN OFFER, SOLICITATION, OR RECOMMENDATION TO BUY OR SELL FINANCIAL INSTRUMENTS.

c) THE WEBSITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.

d) THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING FITNESS FOR PURPOSE, ACCURACY, AVAILABILITY, OR NON-INFRINGEMENT.

e) The Company shall not be liable for:

i) Any inaccuracies or omissions;
ii) Service interruptions;
iii) Data loss;
iv) Indirect, incidental, special, or consequential damages;
v) Loss of profits, business opportunities, goodwill, or anticipated savings.

f) In no event shall the Company be liable for damages arising from your use or inability to use the Website, even if advised of the possibility of such damages.

g) You agree to indemnify and defend the Company from claims resulting from your breach of these Terms or misuse of the Services.

11) Force Majeure

Neither party shall be liable for failure or delay in performance caused by events beyond reasonable control, including but not limited to natural disasters, governmental actions, war, labor disputes, technical failures, or public health emergencies.

12) General Provisions

a) The Company may amend these Terms at any time. Updated Terms become effective upon publication on the Website. Continued use constitutes acceptance.

b) We may modify, suspend, or discontinue Services without liability.

c) The Company may assign its rights or obligations under these Terms. You may not assign yours without written consent.

d) If any provision is deemed invalid or unenforceable, the remaining provisions shall remain in effect.

e) Nothing in these Terms creates a partnership, agency, employment, or joint venture relationship.

f) These Terms constitute the entire agreement between you and the Company concerning use of the Website and supersede any prior agreements.

13) Governing Law and Jurisdiction

a) These Terms and any dispute arising out of or in connection with the Website or Services shall be governed by the laws of the British Virgin Islands.

b) You agree that the courts of the British Virgin Islands shall have exclusive jurisdiction over any disputes arising under these Terms.