Terms of Use

Last Updated: March 31, 2025

Welcome to Zernixo. By accessing or using our website and services, you agree to be bound by these Terms of Use. Please read them carefully before proceeding.

1. Acceptance of Terms

By accessing zernixo.pro and using our predictive modeling for finance educational services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with any part of these terms, you must not use our services.

2. Description of Services

Zernixo provides online educational content, including lectures, courses, and learning materials focused on predictive modeling for finance. Our platform delivers sequential content through multimedia elements designed to enhance your learning experience.

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

3. User Eligibility and Account Registration

To access certain features of our platform, you may need to create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your password and account credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

You must be at least 16 years old to create an account. If you are under 18, you confirm that you have obtained parental or guardian consent to use our services.

4. User Conduct and Prohibited Activities

When using our platform, you agree not to:

• Violate any applicable laws or regulations
• Infringe upon the intellectual property rights of others
• Upload or transmit viruses, malware, or any malicious code
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the integrity or performance of our services
• Share your account credentials with unauthorized third parties
• Use automated systems or bots to access our content without permission
• Reproduce, distribute, or sell course materials without authorization
• Harass, threaten, or abuse other users or our staff
• Impersonate any person or entity or misrepresent your affiliation

5. Intellectual Property Rights

5.1 Our Content

All content on our platform, including but not limited to text, graphics, logos, videos, audio recordings, course materials, software, and compilations, is the property of Zernixo or our content suppliers and is protected by international copyright, trademark, and other intellectual property laws.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our educational content solely for your personal, non-commercial learning purposes. This license does not permit you to:

• Download or copy content except where explicitly permitted
• Modify, create derivative works, or reverse engineer any content
• Remove or alter copyright notices or proprietary markings
• Use content for commercial purposes or public display

5.3 User-Generated Content

If you submit content to our platform, including comments, questions, or feedback, you grant us a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, adapt, publish, and display such content for any purpose related to our services.

6. Payment Terms and Subscriptions

6.1 Fees and Billing

Certain services require payment of fees. All fees are stated in the currency displayed at the time of purchase and are non-refundable except as expressly stated in our Refund Policy.

By providing payment information, you represent that you are authorized to use the payment method and authorize us to charge all fees incurred.

6.2 Automatic Renewal

Subscription-based services may automatically renew at the end of each billing period unless you cancel before the renewal date. You will be charged the then-current subscription fee, which may differ from the initial fee.

6.3 Price Changes

We reserve the right to modify our pricing at any time. We will provide reasonable notice of price changes for existing subscriptions, and the new pricing will apply at your next renewal period.

7. Refund and Cancellation Policy

You may cancel your subscription at any time through your account settings. Cancellations take effect at the end of the current billing period, and you will retain access to paid content until that time.

Refund requests are evaluated on a case-by-case basis. Generally, refunds may be provided within 14 days of purchase if you have accessed less than 20 percent of the course content. Contact us at [email protected] to request a refund.

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. By using our services, you consent to our data practices as described in the Privacy Policy.

9. Third-Party Links and Services

Our platform may contain links to third-party websites or services that are not owned or controlled by Zernixo. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

You acknowledge and agree that we shall not be liable for any damage or loss caused by your use of any third-party content, goods, or services.

10. Disclaimers and Limitations of Liability

10.1 Service Availability

Our services are provided on an "as is" and "as available" basis. We do not warrant that our services will be uninterrupted, secure, or error-free. We may experience technical issues, maintenance periods, or service disruptions without liability.

10.2 Educational Content

While we strive to provide accurate and high-quality educational content, we make no representations or warranties regarding the accuracy, completeness, or suitability of our course materials for any particular purpose. Educational content is for informational purposes only and should not be considered professional financial advice.

10.3 Limitation of Liability

To the maximum extent permitted by law, Zernixo and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses resulting from:

• Your use or inability to use our services
• Unauthorized access to or alteration of your data
• Any conduct or content of third parties on our platform
• Any content obtained from our services

Our total liability for any claims arising from these Terms or your use of our services shall not exceed the amount you paid to us in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless Zernixo and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable legal fees, arising out of or in any way connected with:

• Your access to or use of our services
• Your violation of these Terms of Use
• Your violation of any third-party rights, including intellectual property rights
• Any content you submit or transmit through our services

12. Termination

We reserve the right to suspend or terminate your account and access to our services at any time, with or without notice, for any reason, including but not limited to:

• Violation of these Terms of Use
• Fraudulent, abusive, or illegal activity
• Extended periods of inactivity
• Requests by law enforcement or government agencies

Upon termination, your right to use our services will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

13. Dispute Resolution

13.1 Informal Resolution

If you have any dispute with us, you agree to first contact us at [email protected] and attempt to resolve the dispute informally. We will attempt to resolve the dispute through good-faith negotiations.

13.2 Arbitration

If we cannot resolve the dispute informally, any claims arising from these Terms or our services shall be resolved through binding arbitration, except where prohibited by law. The arbitration shall be conducted by a neutral arbitrator in accordance with established arbitration rules.

13.3 Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the dispute between you and Zernixo individually. To the fullest extent permitted by law, you agree that you will not participate in or seek to recover damages as part of any class, collective, or representative action.

14. Governing Law

These Terms of Use shall be governed by and construed in accordance with applicable international commercial laws and principles, without regard to conflict of law provisions. Any legal action or proceeding shall be conducted in English.

15. Changes to Terms

We reserve the right to modify these Terms of Use at any time. We will notify users of material changes by posting the updated terms on our website and updating the "Last Updated" date. Your continued use of our services after changes take effect constitutes your acceptance of the revised terms.

We encourage you to review these Terms periodically to stay informed of any updates.

16. Accessibility

We are committed to making our platform accessible to all users, including those with disabilities. We strive to comply with international accessibility standards and continually work to improve the user experience for everyone.

If you encounter accessibility barriers or have suggestions for improvement, please contact us at [email protected].

17. Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

18. Entire Agreement

These Terms of Use, together with our Privacy Policy and any other legal notices published on our platform, constitute the entire agreement between you and Zernixo regarding your use of our services and supersede all prior agreements and understandings.

19. No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of Zernixo.

20. Contact Information

If you have any questions, concerns, or complaints regarding these Terms of Use or our services, please contact us:

Zernixo
Factory no 6, 36 Anvil Rd
Boltonia, Krugersdorp, 1739
South Africa

Email: [email protected]
Phone: +27 73 862 8278

We aim to respond to all inquiries within 48 hours during business days.

21. International Users

Our platform is accessible globally and serves students regardless of geographical location or citizenship. By using our services from outside South Africa, you acknowledge that you are responsible for compliance with local laws and regulations in your jurisdiction.

Content and communications on our platform are provided in English. You are responsible for any translation needs and for ensuring you understand these Terms before agreeing to them.

22. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to acts of nature, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

23. Assignment

You may not assign or transfer these Terms or your rights and obligations under them without our prior written consent. We may assign these Terms or any rights under them without restriction. Any attempted assignment in violation of this section shall be void.

Thank you for taking the time to read our Terms of Use. We look forward to supporting your educational journey in predictive modeling for finance.