1. Acceptance of Terms

When you visit our website or sign up for any of our learning programmes, you're entering into an agreement with Sephron Limited, registered at 7 Cardiffsbridge Rd, Finglas, Dublin, D11 FH96, Ireland. These terms apply to everyone who uses our services, whether you're browsing content or enrolled in a structured programme.

We might update these terms occasionally. Not because we enjoy paperwork, but because things change – our services evolve, regulations shift, and we learn from experience. When we make significant changes, we'll let you know through email or a notice on the website. Your continued use after that means you're okay with the updates.

2. Definitions and Interpretation

To keep things clear, here's what we mean by certain terms throughout this document:

• "Services" refers to all educational content, learning programmes, resources, tools, and materials provided through sephron.pro
• "User," "you," or "your" means anyone accessing or using our services
• "Content" includes text, graphics, videos, audio, software, and any other materials available through our services
• "Account" refers to the registered profile you create to access certain features or programmes
• "Intellectual Property" covers all copyrights, trademarks, patents, and proprietary information owned by Sephron

3. Eligibility and Account Registration

3.1 Age Requirements

Our services are designed for adults who can enter into binding contracts. You must be at least 18 years old to create an account or enrol in our programmes. If you're under 18 but interested in what we offer, please have a parent or guardian contact us – we can discuss options.

3.2 Account Creation

Creating an account is straightforward, but you're responsible for the information you provide. That means:

• The details you share need to be accurate and current
• You'll keep your password secure and not share it with others
• You'll notify us immediately if you suspect unauthorized access to your account
• You understand that you're responsible for all activity under your account

We reserve the right to suspend or terminate accounts that violate these terms or appear to be used fraudulently.

4. Use of Services and Acceptable Conduct

We've built these services to help people develop better investment mindsets and financial understanding. Here's what we expect from you:

4.1 Permitted Use

You can access our content for personal, non-commercial educational purposes. Feel free to take notes, engage with materials, and apply what you learn to your own financial decisions. That's exactly what we want.

4.2 Prohibited Activities

Some things aren't okay, and we need to be clear about them:

• Don't reproduce, distribute, or sell our content without written permission
• Don't share your account credentials or access with others
• Don't attempt to reverse-engineer, hack, or compromise our systems
• Don't use automated tools to scrape or download our content
• Don't harass other users or our team members
• Don't post or transmit harmful code, viruses, or malicious software
• Don't misrepresent yourself or impersonate others
• Don't use our services for any illegal purpose

5. Intellectual Property Rights

Everything you see on sephron.pro – the text, images, logos, course materials, videos, and software – belongs to Sephron Limited or our licensed partners. This ownership is protected by Irish and international copyright laws.

5.1 Our Content

When you access our materials, you're receiving a limited, non-exclusive licence to use them for personal educational purposes. You don't own the content, and you can't transfer this licence to anyone else.

5.2 User-Generated Content

If you submit questions, comments, or feedback through our platform, you grant us a non-exclusive licence to use that material to improve our services. We won't use your personal stories or examples without permission, but general ideas and suggestions help us get better at what we do.

5.3 Trademarks

The Sephron name, logo, and related marks are our registered trademarks. You can't use them without our written consent. This protects both our brand and you from potential legal complications.

6. Payment Terms and Refunds

6.1 Programme Fees

Different programmes have different costs, and we're upfront about what you're paying for. All fees are listed in euros and include applicable Irish VAT. When you enrol, you're agreeing to pay the stated fee according to the payment schedule you select.

6.2 Payment Processing

We use secure third-party payment processors. Your payment information goes directly to them – we don't store complete credit card details on our servers. If a payment fails, we'll contact you to resolve the issue before suspending access to paid content.

6.3 Refund Policy

We offer a 14-day trial period for most programmes. If you decide within those first two weeks that our approach isn't right for you, contact us for a full refund. After that period, refunds are handled on a case-by-case basis. Life happens, and we try to be reasonable, but we also need to protect against abuse of our refund policy.

Refunds typically process within 7-10 business days. You'll see the credit appear according to your bank's policies.

7. Educational Content Disclaimer

This section matters quite a bit, so please read it carefully.

What we offer is education about how to think about investing, how to approach financial decisions, and how to develop healthier relationships with money. The application of these concepts to your specific situation requires your own judgment or consultation with qualified professionals.

7.1 No Guarantees

We can't promise that applying concepts from our programmes will result in specific financial outcomes. Investment results vary based on countless factors – market conditions, individual circumstances, timing, implementation, and plain luck.

Anyone claiming they can guarantee investment returns is either lying or selling something dangerous. We're neither.

7.2 Your Responsibility

You're responsible for your own financial decisions. Before making significant investment or financial choices, consider consulting with licensed professionals who can review your specific circumstances.

8. Privacy and Data Protection

We collect and process personal information according to our Privacy Policy and in compliance with the General Data Protection Regulation (GDPR). Key points:

• We collect only the information necessary to provide our services
• Your data is stored securely on servers within the European Economic Area
• We never sell your personal information to third parties
• You can request access to, correction of, or deletion of your personal data
• We use cookies and similar technologies as described in our Privacy Policy

For detailed information about how we handle your data, please review our Privacy Policy. Questions about privacy can be directed to [email protected].

9. Limitation of Liability

To the maximum extent permitted by Irish law:

Sephron Limited, its directors, employees, and partners shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services. This includes financial losses, lost profits, or damages resulting from investment decisions made after using our educational content.

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

Some jurisdictions don't allow certain liability limitations, so portions of this section might not apply to you. Where local laws provide greater consumer protection, those laws control.

9.1 Service Availability

We work hard to keep our services accessible, but we can't guarantee uninterrupted access. Technical issues happen – server maintenance, unexpected outages, connection problems. We're not liable for damages resulting from service interruptions, though we'll always work to restore access as quickly as possible.

10. Indemnification

You agree to indemnify and hold Sephron Limited harmless from any claims, losses, liabilities, and expenses (including reasonable legal fees) arising from:

1. Your violation of these Terms of Use
2. Your violation of any third-party rights, including intellectual property or privacy rights
3. Your misuse of our services
4. Any content you submit to our platform

This means if your actions create legal problems for us, you're responsible for the costs associated with resolving those problems.

11. Termination and Suspension

11.1 Termination by You

You can stop using our services anytime. If you want to close your account completely, send us an email at [email protected]. We'll process your request within 48 hours.

Keep in mind that closing your account doesn't automatically entitle you to a refund of any unused programme time. Refunds are handled according to our refund policy outlined in Section 6.

11.2 Termination by Us

We can suspend or terminate your access to our services if you violate these terms, engage in fraudulent activity, or use our services in ways that could harm other users or our business.

We'll usually warn you first unless the violation is serious or involves illegal activity. If we terminate your account for cause, you won't receive a refund for unused services.

11.3 Effect of Termination

When your account closes (whether you close it or we do), you lose access to all programme content and materials. Sections of these terms that logically should survive – like intellectual property provisions, limitations of liability, and dispute resolution – remain in effect.

12. Dispute Resolution and Governing Law

12.1 Governing Law

These terms are governed by the laws of Ireland. Any disputes will be resolved under Irish law, without regard to conflict of law principles.

12.2 Dispute Resolution Process

If you have a problem with our services, please contact us first. Most issues can be resolved through honest conversation. Reach out to [email protected] with details about your concern.

If we can't resolve the issue informally within 30 days, either party may pursue formal dispute resolution. For disputes under €5,000, we agree to use mediation before pursuing litigation. The Irish Commercial Mediation Association can help facilitate this process.

12.3 Jurisdiction

For disputes requiring court involvement, the courts of Ireland shall have exclusive jurisdiction. If you're using our services from outside Ireland, you consent to the jurisdiction of Irish courts for resolving disputes related to these terms.

13. Changes to Services

We're constantly improving our educational content and platform features. This means things change – we add new programmes, update existing content, modify platform functionality, and occasionally retire outdated materials.

We'll notify you of significant changes that affect your access to paid programmes. Minor updates to free content or platform improvements might happen without specific notice.

If we make changes that substantially reduce the value of a programme you've purchased, you can request a prorated refund for the unused portion.

14. Third-Party Links and Services

Our content occasionally references or links to third-party websites, tools, or services. These links are provided for your convenience and don't constitute our endorsement of those external sites.

We're not responsible for the content, privacy practices, or availability of third-party websites. When you click through to another site, you're subject to their terms and policies, not ours.

If you encounter a broken link or questionable third-party reference in our materials, please let us know so we can review it.

15. Accessibility

We're committed to making our services accessible to people with disabilities. Our website aims to conform to Web Content Accessibility Guidelines (WCAG) standards.

If you encounter accessibility barriers while using our services, please contact us at [email protected]. We'll work with you to provide the content in an alternative format or resolve the accessibility issue.

16. Communications

By creating an account, you agree to receive communications from us about your account, programme updates, and service changes. These operational emails are necessary for providing our services.

We may also send educational content and programme announcements. You can opt out of marketing communications while still receiving essential account-related messages.

All official notices under these terms will be sent to the email address associated with your account. It's your responsibility to keep this information current.

17. Force Majeure

Neither party is liable for delays or failures in performance resulting from circumstances beyond reasonable control – natural disasters, pandemics, government actions, internet outages, or other force majeure events.

If such an event prevents us from delivering services for more than 30 days, either party may terminate the affected service agreement, and you'll receive a prorated refund for unused time.

18. Severability

If any provision of these terms is found to be unenforceable or invalid by a court, that provision will be modified to reflect the parties' intention as closely as possible. The remaining provisions continue in full effect.

19. Entire Agreement

These Terms of Use, together with our Privacy Policy and any programme-specific terms, constitute the entire agreement between you and Sephron Limited regarding your use of our services.

These terms supersede any prior agreements or understandings, whether written or oral. Any modifications must be made in writing and agreed to by both parties.

20. Assignment

You can't transfer your rights or obligations under these terms to anyone else without our written consent. We may assign our rights and obligations to another entity, particularly in the event of a merger, acquisition, or sale of assets. We'll notify you if this happens.