Updated Jun 11, 2022

JCRAM CONSULTING LTD is a Cyprus Private Limited Company with registration no. HE 414083, and is the sole creator, owner, and author of “www.equityram-academy.com” and all content and materials contained within. All information and content of this website is copyrighted material and cannot be duplicated, copied, shared, or transmitted in any way or form without prior written consent from JCRAM CONSULTING LTD.

YOUR ACCESS TO AND USE OF THE COMPANY SITES AND MATERIALS ARE CONDITIONED ON YOUR ACCEPTANCE OF AND COMPLIANCE WITH THESE TERMS. BY ACCESSING OR USING THE COMPANY SITES AND MATERIALS YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THE TERMS HEREIN, YOU AGREE THAT YOU WILL NOT ACCESS OR USE THE COMPANY SITES AND MATERIALS, AND YOU UNDERSTAND THAT YOU ARE PROHIBITED FROM ACCESSING ANY WEBSITES OR MATERIALS PROVIDED BY THE COMPANY.

GENERAL
You are solely responsible for your use of the Company Sites and Materials. You agree that you will not use the Company Sites and Materials unless you can form a binding contract with the Company. Please read these Terms & Conditions (“Terms”) carefully before accessing or using any websites or materials provided by JCRAM CONSULTING LTD (the “Company” or “We” or “Us” or “Equityram”), or its owners, subsidiaries, affiliates, and joint business ventures, and all their respective officers, directors, employees, agents, and representatives (collectively, “Company Affiliates”). Without limitation, such Websites include https://equityram-academy.com, and products, services, subscriptions, content, and features available on or provided through those websites (such sites and materials collectively, “Company Sites and Materials”).

The Company may revise these Terms by updating this posting or communicating with you regarding the same via the contact information the Company has on record for you. Your continued use of Company Sites and Materials after such revisions have been posted or communicated to you indicates your acceptance of all such revisions. The Company Sites and Materials are not intended for or directed towards children under 18 years of age. By accessing or using the Company Sites and Materials, you affirm that you are over the age of 18.

GENERAL DISCLAIMER
The Company is not an investment, financial, tax, or legal advisor or a broker-dealer and does not purport to provide personalized investment, financial, tax, or legal advice in any form. The Company does not recommend the purchase of particular securities, nor does the Company promise or guarantee any particular investment results. You understand and acknowledge that there is a very high degree of risk involved in trading securities and, in particular, in trading FOREX, futures, and options. You acknowledge and agree that you, and not the Company, are solely responsible for your own investment research and decisions. Do not trade with money that you cannot afford to lose. You understand that the Company encourages you to investigate and fully understand any and all risks before investing. The Company assumes no responsibility or liability for your trading and investment results, and you agree to hold the Company harmless for any such results or losses.

Past results of Company employees or trading system published by the Company are not indicative of future returns which may be realized by you. In addition, the methods, techniques, information, content, indicators, strategies, columns, articles, and all other features of the Company Sites and Materials, or any Company product or service, (collectively, the “Information”) are provided for informational and educational purposes only and should not be construed as investment advice. Accordingly, you should not rely on the Information provided by the Company in making any investment. Rather, you should always perform additional independent research in order to allow you to form your own opinion regarding investments. You are solely responsible for your own trading decisions, and nothing in the Information is intended to be or should be interpreted as a promise or guarantee of any particular result.

INTELLECTUAL PROPERTY, HYPERLINKS & LINKS TO OTHER WEBSITES
The Services and all contents, including but not limited to text, video, images, graphics, or code are the intellectual property of the Company and are protected by copyright, trademarks, database, and other intellectual property rights. Any use of the Company’s intellectual property without the prior written consent of the Company is strictly prohibited and may violate copyright, trademark, and other intellectual property laws. Any downloading or distribution of the Company’s intellectual property without the prior written consent of the Company is strictly prohibited and may violate copyright, trademark, and other intellectual property laws. These Terms and access to the Services do not grant you a license to use any intellectual property of the Company or its affiliates and you are not permitted to utilize any intellectual property of the Company in any manner without the prior written consent of the Company. You further agree not to use, change or delete any proprietary notices from materials downloaded from the Services.

The Services may contain links to third-party websites or services that are not owned or controlled by the Company.

The Company has no control over and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

USER SUBMISSIONS AND OTHER CONTENT
The Company Sites and Materials may permit the submission of content by users, including, for example, comments, articles, links, and conversations in our chat rooms (“User Submissions”). By posting any such User Submissions, you grant the Company an irrevocable, worldwide, non-exclusive, royalty-free license (with the right to sublicense) to use, copy, reproduce, process, adapt, modify, publish, transmit, display and distribute such User Submission in any and all media or distribution methods (now known or later developed). The Company has the right, in its sole discretion and without further notice to you, to monitor, censor, edit, move, and/or remove any and all content posted on the Company Sites and Materials, including any User Submission, at any time and for any reason.

We do not represent or guarantee the completeness, truthfulness, accuracy, usefulness, or reliability of any content or User Submission and do not necessarily endorse any opinions expressed therein. You understand that by using the Company Site and Materials, you may be exposed to content that might be offensive, harmful, inaccurate, or otherwise inappropriate. We may not monitor or control the content or User Submissions accessible on the Company Sites and Materials.

PAYMENT PLAN AND TERMINATION
When you sign up for a learning program, you must pay the whole tuition fee at once or in installments if you have made such an agreement with the Company. If you have chosen to pay your tuition fee in installments and you fail to pay the agreed fees in accordance with the payment plan, then we may pause the Service until such payment is provided, and we may take steps to recover your outstanding fees as permitted by law.

To terminate your Participation, you must notify us by e-mail: support@equityram.com. Any termination will not take effect until the end of the agreed minimum term (and, as such, you will not be entitled to any refund).

By choosing to pay your tuition fee in installments, you acknowledge that termination of your Participation WILL NOT CANCEL remaining payments.

The Company may terminate your access to and use of the Company Sites and Materials at any time. Cause for such termination shall include, but not be limited to (i) breaches or violations of these Terms or other agreements or guidelines, (ii) requests by law enforcement or other government or regulatory authorities, or (iii) violation or unauthorized use of copyrights or other intellectual property. Cancellation or termination of your account, services, or subscriptions by the Company shall not relieve you of any obligation to pay any accrued fees or charges. You may not access or use the Company Sites and Materials after termination or notification of the same.

CANCELLATION AND REFUND POLICY
If you have changed your mind about the learning program and would like to request a refund, you have the right to do so within 14 calendar days from the moment of your initial purchase AND BEFORE THE START OF THE COURSE.

Cancellations and refunds in circumstances outside those described above, and/or following the expiry of the 14-day cancellation period, are subject to the terms and conditions set out in this Cancellation and Refund policy. For the avoidance of doubt, the cancellation period will expire 14 days after the date of the Order Confirmation.

If you start to use our services during the cancellation period (i.e. if the course commences during the 14-day cancellation period) and/or if you access the course materials via our online course spaces (i.e. via our virtual learning environment), NO REFUND WILL BE PAYABLE.

Refunds are typically processed within a few business days and withhold the 4% processing fee. If you have selected the option to pay for the learning program in installments, the right to cancel is available only within 14 days of the first payment; this right WILL NOT renew after the second, third or fourth payment. Also, the 14-day money-back guarantee applies to initial purchases only. It does not renew with each new purchase.

Lastly, a mere appearance, announcement, or finding by the existing customer of a better offer or discount does not serve as a reason for a refund of an already made payment; therefore, such refund requests will be rejected. All offers and discounts apply to new customers only unless stated otherwise.

To request a refund, you must notify us at support@equityram.com and follow further instructions.

SUBSCRIPTIONS
In connection with any purchase of services or materials from the Company, the Company does not make any promise regarding the continuation of any current features or functionality or delivery of any future functionality or features.

If you purchase a subscription to any Company service or material, by authorizing the Company to charge a payment card for the fees associated with your subscription(s), you are authorizing the Company to automatically continue charging that card (or any replacement card issued by the card issuer) for all fees or charges associated with your subscription, including any renewal fees as described below. The Company may at any time change any of its pricing, or institute new charges or fees. Price changes and new charges announced during your subscription term for a service will apply to subsequent subscription terms. During the term of your subscription, you agree to inform the Company of any payment card information changes.

Your subscriptions will be set to renew upon expiration automatically. This means that unless you cancel your subscription prior to its expiration, your account will automatically renew for the same term.

If you cancel or terminate a subscription, you acknowledge and agree that any refunds will be at the Company’s sole discretion. Your obligations hereunder, including your obligation to pay amounts owed to us under these Terms for the use of or access to our services or materials, including subscriptions, shall survive the expiration or termination of these Terms and your cessation of use of the Company Sites and Materials.

You are responsible for the payment of any taxes associated with the purchase of services or materials from the Company.

To terminate your subscription, you must notify us at support@equityram.com and follow further instructions.

AVAILABILITY, ERRORS, AND INACCURACIES
In order to provide exceptional and accurate content to our customers, we regularly update the products and information on our websites. We cannot and do not guarantee the accuracy or completeness of any information, including prices, product images, specifications, availability, and services. We reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice.

Further, the Company does not make any promise regarding the continuation of any current features or functionalities with respect to the Services.

Despite our best efforts, the products or services available on our websites may have an error regarding the price, be inaccurately described, or be unavailable. You may experience delays in updating information on our websites and in our advertising on other websites.

USE OF ACCOUNTS, PASSWORDS AND USERNAMES
Any accounts that you create through the Services are intended for your personal use only and sharing your account or the content of the Services available through your subscription and account with any other party is strictly prohibited. When you create an account with us, you must provide us with information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account and access to any further Services.

We reserve the right to terminate your access to the Service if we believe that you are involved in fraudulent activity, including, but not limited to, using stolen credit cards, downloading our content illegally, and sharing access to the Services and their content with others.

You are responsible for safeguarding the password that you use to access the Services and for any activities or actions under your password. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

You may not use as a username the name of another person or entity or that is not lawfully available for use; a name or trademark that is subject to any rights of another person or entity other than you without appropriate authorization; or a name that is otherwise offensive, vulgar or obscene. 

RESPONSIBILITY AND DUTIES OF THE CUSTOMER
By choosing to pay for the learning program in installments, you bear the responsibility of paying the agreed fees in accordance with the payment plan. If you fail to pay the agreed fees in accordance with the payment plan, then we may not provide you with the Service until such payment is provided, and we may take steps to recover your outstanding fees as permitted by law. NOTE: after your scheduled payment fails for the second time, you will receive a “final notice” email, and your account may be terminated within 7 days without notice if the payment is still not received.

By providing us with your personal information, you agree and confirm that it is truthful and accurate.

By using the Service, you agree that you will only use the Service for private and personal reasons and that you do not use or intend to use the Service for commercial reasons. You also agree that you will not use any information about third parties (including other members) that you receive through the Service for commercial or advertising purposes.

If you materially breach these Terms and Conditions or otherwise breach the law in relation to your use of our Service, we may be entitled to claim damages in accordance with the general rules of Cyprus law.

You will treat e-mails and other messages received via or in relation to the Service confidentially, and you will not disclose these messages to third parties. The same rules also apply to any names, phone, and fax numbers, home addresses, e-mail addresses and/or URLs, or other personal information of other Equityram Trading Community members.

You agree that you will retrieve any messages you receive (as well as any information contained in your profile that you would like to keep) at regular and appropriate intervals and, if required, that you will archive this information on your own computer or other data storage system. You understand that all your data relating to your current participation will be automatically deleted if your profile is inactive for twenty-four months.

By becoming a member of Equityram Trading Community, you agree not to misuse the Service and to comply with our conduct requirements. In particular, you will not use the Service:

to distribute any immoral, obscene, pornographic, or radical political content or photos;
to distribute any defamatory, offensive, or otherwise illegal content or information;
to threaten or harass other members, or to infringe any third party rights (including personal rights);
to upload any data which contains a virus (such as infected software); or to upload data that contains software or other content which is protected by copyright, unless you own the rights in that content or have otherwise obtained the necessary consent;
to intercept any e-mails/ messages or to attempt to intercept them;
to send any e-mails/ messages to members for any purpose other than to communicate, and in particular, you will not use the Service to promote or to offer goods or services to other members except where this is expressly permitted;
to send any chain letters;
to send any messages that serve a commercial purpose;

If you do not comply with the conduct requirements as mentioned above, or if you fail to comply with any other of the Terms materially, we may take the following actions: we may ask you to stop your non-compliant activities (or otherwise send you a warning that your activities do not comply with our conduct requirements); we may delete any content which you have submitted via the Service in breach of any of our conduct requirements; we may suspend the provision of the Service to you (in whole or in part) until the issue is resolved (for example, while we investigate your activities); or (if it is clear to us that you are seriously misusing the Service) we may terminate the provision of the Service to you. If we do decide to terminate your participation because you have misused the Service, we will not refund you any payments.

SECURITY
No measures designed to protect, secure, or preserve the integrity or confidentiality of information, including methods of transmission over the Internet or method of electronic storage, can guarantee the security of your information. The Company makes no assurances regarding the security of your information.

DISCLAIMER OF WARRANTIES
YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE CONTENT, PRODUCTS, TOOLS, AND SERVICES INCLUDED OR OBTAINED VIA OR AS PART OF THE COMPANY SITES OR MATERIALS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE AND NON-INFRINGEMENT, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES RELATING TO THE ADEQUACY, ACCURACY, RELIABILITY, USEFULNESS OR COMPLETENESS OF ANY OF THE INFORMATION CONTAINED ON OR IN THE COMPANY SITES AND MATERIALS.

LIMITATION OF LIABILITY
NEITHER THE COMPANY NOR THE COMPANY AFFILIATES NOR ANY OF THEIR SUPPLIERS, ADVERTISERS, OR SPONSORS ARE OR WILL BE LIABLE FOR ANY ACTUAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES WHETHER UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY, ARISING OUT OF OR RELATING IN ANY WAY TO ANY OF THE COMPANY SITES AND MATERIALS, OR ANY OF THE CONTENT CONTAINED THEREIN, OR ANY PRODUCT OR SERVICE USED OR PURCHASED THROUGH THE COMPANY INCLUDING, BUT NOT LIMITED TO, LOST REVENUE OR INCOME, LOSS OF CAPITAL, PAIN, AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE LIABILITY OF THE COMPANY FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE) SHALL NOT EXCEED THE GREATER OF $100 OR THE TOTAL AMOUNT PAID TO US BY YOU, IF ANY, FOR MATERIALS OR SERVICES (INCLUDING SUBSCRIPTIONS), DURING THE PREVIOUS SIX (6) MONTHS PRIOR TO BRINGING THE CLAIM.

INDEMNIFICATION
You agree to indemnify, defend and hold harmless the Company, its principals, officers, directors, shareholders, representatives, employees, contractors, licensors, licensees, suppliers, and agents, from and against any claims, damages, losses of any kind, obligations, costs, actions, demands, and legal fees and expenses (collectively, “claims”) directly or indirectly arising from, connected with or relating to your use of the Services and our websites or your negligence, misconduct, or breach of these Terms. 

These include but are not limited to any claims resulting from (a) your use of the Services; (b) your breach of any of these Terms; (c) anything you post on or upload to the Services; (d) any activity related to your account; (e) any loss of financial investment; (f) negligent or illegal conduct by you or any person or entity accessing the Services using your account whether such access is obtained via fraudulent or illegal means.

MISCELLANEOUS
Except as otherwise provided herein, you agree that any controversy or claim, whether at law or equity, arising out of or related to the provision of services or materials by the Company, regardless of the date of accrual of such dispute, shall be resolved in its entirety by individual (not class-wide nor collective) binding arbitration.

You and We agree that our sole relationship is a contractual one governed by these Terms. Any controversy or claim arising out of or related to the provision of services or materials by Us shall be resolved solely based on these Terms.

ALL DISPUTES WITH EQUITYRAM ARISING IN ANY WAY FROM OR IN ANY WAY RELATED TO THIS AGREEMENT SHALL BE RESOLVED EXCLUSIVELY THROUGH FINAL AND BINDING ARBITRATION, AND NOT BY A COURT OR JURY.

ANY SUCH DISPUTE SHALL NOT BE COMBINED OR CONSOLIDATED WITH A DISPUTE INVOLVING ANY OTHER PERSON’S OR ENTITY’S PRODUCT OR CLAIM, AND SPECIFICALLY, WITHOUT LIMITATION OF THE FOREGOING, SHALL NOT UNDER ANY CIRCUMSTANCES PROCEED AS PART OF A CLASS ACTION. THE ARBITRATION SHALL BE CONDUCTED BEFORE A SINGLE ARBITRATOR; WHOSE AWARD MAY NOT EXCEED, IN FORM OR AMOUNT, THE RELIEF ALLOWED BY THE APPLICABLE LAW.

EACH PARTY ACKNOWLEDGES THAT, IN EXECUTING THIS AGREEMENT, SUCH PARTY HAS HAD THE OPPORTUNITY TO SEEK THE ADVICE OF INDEPENDENT LEGAL COUNSEL, AND HAS READ AND UNDERSTOOD ALL OF THE TERMS AND PROVISIONS OF THIS AGREEMENT.  THIS AGREEMENT SHALL NOT BE CONSTRUED AGAINST ANY PARTY BY REASON OF THE DRAFTING OR PREPARATION HEREOF.

These Terms constitute the entire agreement between you and the Company relating to your use of the Company Sites and Materials and supersede any and all prior or contemporaneous written or oral agreements on that subject between us. If any provision of the Terms is found to be unlawful, void, or for any reason is unenforceable, then that provision shall be deemed severable from the Terms and shall not affect the validity and enforceability of any remaining provisions.

CONTACT US
If you have any questions about these Terms, please contact us by email at support@equityram.com.

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