Terms and Conditions

These Terms and Conditions govern your use of lemorancius.com and our investment education services. By accessing our website or enrolling in our courses, you agree to these terms. Acceptance of terms: By using our services, you confirm that you are at least 18 years old and have the legal capacity to enter into these terms. If you disagree with any part of these terms, you may not use our services. Course enrollment and payment: Course fees range from €250-€500 depending on the package selected. Payment is required in full before course access is granted. All prices are inclusive of applicable taxes. We accept major credit cards and bank transfers. Refund policy: We offer a 14-day money-back guarantee from the date of purchase. Refund requests must be submitted in writing to support@lemorancius.com. Refunds will be processed within 30 business days of approval. Intellectual property: All course materials, including videos, documents, and assessments, are the intellectual property of lemorancius.com. You may not reproduce, distribute, or share course content without written permission. User responsibilities: You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You agree to use our services only for lawful purposes and in accordance with these terms. Limitation of liability: Our investment education courses are for educational purposes only and do not constitute financial advice. We are not liable for any investment decisions or losses resulting from course content. Our total liability is limited to the amount you paid for the course. Disclaimer: Investment education involves risk, and past performance does not guarantee future results. All course content is provided "as is" without warranties of any kind. Governing law: These terms are governed by South African law. Any disputes will be resolved in the courts of South Africa. Modifications: We reserve the right to modify these terms at any time. Changes will be posted on our website with an updated effective date. Contact information: For questions about these terms, contact us at legal@lemorancius.com or +27 11 234 5678. These terms are effective as of June 20, 2025.