Terms & Conditions

1. Introduction to These Terms

These Terms & Conditions establish the terms of use between you and [Company Name] for accessing and using this website. They explain the responsibilities associated with your account, the purchase and use of credits, the provision and access of financial-market E-Learning Materials, and the obligations of both you and our company.

By creating an account, purchasing credits, or accessing any part of this website, you acknowledge and agree to these Terms & Conditions. If you disagree with any provision outlined here, you must discontinue your use of the website.

2. Account Registration and Security

You must have a registered account to purchase credits, unlock individual levels, and access the E-Learning Materials you have obtained. When registering and maintaining an account, you agree to the following responsibilities:

Provide accurate and complete information and update your details whenever necessary.
Protect your password and other login credentials from unauthorized access.
Maintain an account for your personal use only and refrain from sharing, selling, or transferring it to another person.
Notify us promptly if you suspect unauthorized access to or activity on your account.
Accept responsibility for activities and transactions carried out through your account.

3. E-Learning Materials and Credit Pricing

Our website offers financial-market E-Learning Materials covering behavioral finance, trading psychology, risk management, technical analysis, professional trading systems, alternative and niche markets, and market mechanics. Each material is organized into separate levels, which must be unlocked individually. Before making a purchase, you can review the description of each level and the number of credits required to access it.

Information about each level and its applicable credit cost is available before you make a purchase.
We reserve the ability to update material descriptions, content, and pricing periodically.
The price displayed at the time your checkout is completed determines the cost of that particular order.
Price adjustments made after an order has been confirmed will not change the price of that existing order.

4. Purchasing Credits and Making Payments

Credits can be purchased using the checkout facility available on our website. By placing an order, you agree to the following payment conditions:

Payment must be completed using one of the payment options provided during checkout.
Payments are handled by our payment provider through a secure, encrypted connection.
An order will be treated as confirmed only after the payment has been processed successfully.
You must be legally authorized to use the payment method submitted for your transaction.

Transactions involving credit purchases on this website will appear on your billing statement under the following description: Billing description

5. Credit System and Usage

Credits are the payment units used within our platform to access individual levels of E-Learning Materials. You purchase credits using money and then apply them toward unlocking the materials you wish to study. Each credit is equivalent to US$1, ¥160, or HK$8. Any bonus credits available for qualifying larger single purchases are specified on the Buy Credits page.

All credits purchased through this website are subject to the following conditions:

Purchased credits are added to your account balance once the corresponding payment has been successfully confirmed.
Credits may be redeemed to unlock individual levels of available E-Learning Materials.
Credits are restricted to use on this website and cannot be converted into cash or withdrawn as money.
Credits remain associated with the account through which they were purchased and cannot be transferred to another account.
Credits remain valid for 90 days beginning on their purchase date.

6. Delivery and Access to E-Learning Materials

All E-Learning Materials are provided digitally and are intended for independent, self-paced learning. Access does not require attendance at scheduled classes, participation in live sessions, or adherence to a fixed timetable.

Following successful payment confirmation, access instructions and any applicable download links will be sent to the email address supplied during checkout. Purchased materials may also be accessed through the website platform.
We generally make access information available within 24 hours after payment has been confirmed.
In certain circumstances, additional processing time may be required. Please allow between 48 and 72 hours for delivery where necessary.

For further information about delivery arrangements and access procedures, please consult our Delivery & Access Policy.

7. Intellectual Property and Content Ownership

All E-Learning Materials and other website content, including written text, graphics, photographs, videos, logos, and related resources, belong to [Company Name] or the respective third parties that have licensed such content to us. These materials are protected by applicable intellectual property laws.

Purchasing E-Learning Materials grants you a personal, non-exclusive, and non-transferable licence to use the purchased content for your own educational purposes.
Your purchase provides access to the relevant materials but does not transfer ownership of those materials or any other website content to you.
Any use of our content beyond the permissions granted under these terms requires our prior written authorization.

8. Acceptable Use of the Website

Users are expected to access and use our website and educational resources responsibly and in accordance with these terms. By using our platform, you undertake to:

Comply with applicable laws and use the website in a lawful and respectful manner.
Restrict your use of purchased E-Learning Materials to your own personal learning activities.
Observe any instructions or usage guidelines provided alongside the relevant materials.
Ensure that the personal and account information you provide remains accurate and up to date.

9. Prohibited Activities

To protect our platform, educational resources, and users, the following activities are not permitted:

Reproducing, distributing, sharing, selling, or otherwise making E-Learning Materials available to others, including downloading content that has not been designated for download.
Allowing another person to access or use your account or login credentials.
Attempting to bypass or interfere with payment requirements, credit restrictions, or access-control mechanisms.
Taking actions that compromise or disrupt the website's security, functionality, performance, or normal operation.
Using bots, automated scripts, or similar tools to extract, scrape, or collect website content without authorization.
Engaging in fraudulent purchasing activity or initiating chargebacks without a legitimate reason.

10. Refund Requests

Since our E-Learning Materials are supplied in digital form, every refund request is assessed individually in accordance with the applicable circumstances and policy requirements. Our Refund Policy provides further details regarding the conditions under which refunds may be considered, circumstances where refunds are unavailable, and the procedure for submitting a request.

11. Educational Purpose and Financial-Market Risks

The information provided through our E-Learning Materials is intended for general educational purposes relating to financial markets, trading concepts, market analysis, trading psychology, and risk management. The materials do not constitute personalized investment, financial, tax, or legal advice and are not prepared with your individual circumstances in mind.

We do not guarantee any particular personal, professional, educational, academic, or financial result from using the materials.
Financial markets involve risk, and the value of shares and other financial instruments can rise or fall. You may lose some or all of the money you invest.
Market volatility, economic developments, regulatory changes, company performance, and trading conditions can affect the value and liquidity of financial instruments.
You are solely responsible for your decisions and any actions you take based on information obtained from our E-Learning Materials.
Although we make reasonable efforts to maintain accurate and up-to-date educational content, financial markets, applicable laws, and tax requirements can change. We therefore cannot guarantee that all materials will always be completely accurate, current, or free from errors.

12. Limitation of Liability

To the fullest extent permitted by applicable law, [Company Name] shall not be liable for indirect, incidental, or consequential losses arising from or relating to your access to or use of the website or its E-Learning Materials. This limitation includes losses associated with financial-market decisions or the purchase, sale, or holding of financial instruments.

Nothing in these Terms & Conditions is intended to exclude or limit any liability where such exclusion or limitation is prohibited by applicable law.

13. Account Suspension and Termination

We may restrict, suspend, or terminate an account if these terms are violated or if the account is used in a manner that may negatively affect the website, its security, or other learners.

We may temporarily suspend access to an account while investigating a suspected violation of these terms.
If an account is terminated because of a breach of these terms, access to the website through that account will no longer be available.
You may discontinue using our website at any time at your own discretion.

14. Website Changes and Amendments to These Terms

We may periodically update or modify the website, its available features, the E-Learning Materials offered, and these Terms & Conditions.

Website functionality, educational content, material descriptions, and prices may be modified from time to time.
The version of these Terms & Conditions published on this page represents the terms currently applicable to your use of the website.
Your continued use of the website following the publication of revised terms constitutes your acceptance of those changes.

15. Governing Law and Severability

These Terms & Conditions shall be interpreted and governed by the laws applicable to [Company Name]. If any provision is determined to be invalid or unenforceable, the remaining provisions will continue to apply and remain in full force and effect.

16. Contact Information

If you require clarification regarding any provision of these Terms & Conditions, you may contact us using the following information:

Company name: [Company Name]
Email address: info@craft-course.com
Company address: Unit 308, 3/F., Chevalier House, 45-51 Chatham Rd South, Tshim Sha Tsui Hong Kong

Craft Course