Terms and Conditions

1. General information

SMBH-FZCO (the “Company” or Us”, indistinctly), registered in the IFZA Dubai area within Dubai Silicon Oasis, Dubai, United Arab Emirates (UAE), registration number: DSO-FZCO-26877, operates this website (“Website”). In this document you will find information about Us and the terms and conditions of the products and services we offer through the Website (the “Terms”).

The domains lifeacademy.com and life-academy.com and all their sub-domains (e.g. courses.lifeacademy.com) are owned by the Company. By accessing and using this Website, you agree with each of the Terms described herein. The Terms may be amended from time to time and you agree to accept all such amendments as well as agree that it is your sole responsibility to review and get yourself familiar with all such amendments. Accordingly, we suggest reviewing the Terms whenever accessing, linking to, or using this Website.

IF YOU DISAGREE WITH THESE TERMS OF USE PLEASE DON’T USE OUR WEBSITE NEITHER OUR PRODUCT OR SERVICES.

2. Access to and Use of the Website

Access to the Website is free of charge. It is your responsibility to make any and all arrangements necessary in order to access the Website. Access to the Website is provided “as is” and on an “as available” basis. We may alter, suspend or discontinue the Website (or any part of it) at any time and without notice. We will not be liable before you in any way if the Website (or any part of it) is unavailable at any time and for any period.

3. Fee and Availability

Although access to the Website is free of charge, some of the contents (including but not limited to educational content) may be subject to the payment of a fee. As regards education courses,the payment of the fee for each education course must always be made in advance in full. The available payment methods will be shown on our Website and may vary depending on your location. All the fees will be charged in USD, you should confirm with the issuer of your payment method the availability, currency exchange rate and any tax that will be applicable to process your payment.

The fees for educational programs offered on the Website are non-refundable once paid. If you fail to pay for a fee in a timely manner, access to the relevant educational program will be cancelled without notice and, in such an event, the Company will not have any liability.

We may from time to time change our fees and prices. Changes in fee will not affect any educational program that you have already purchased but will apply to any subsequent renewal or new fee. If you do not agree to such a change, you may cancel the respective education program. All fees and prices are checked by Us before We accept your order. In the unlikely event that We have shown incorrect pricing information, We will contact you in writing to inform you of the mistake.

Some educational programs on the Website may provide for a “cooling-off” period within which you can cancel the Contract for any reason, including if you have changed your mind, and receive a 100% refund subject to the conditions of this section. The period begins on the starting date of the relevant educational program and ends by the date of the third lesson of the educational program provided that you attended the first two lessons of the educational program. After the cooling-off period We cannot offer any refunds. For the refunds please contact: support@lifeacademy.com.

4. Orders – How Contracts Are Formed

The Website will guide you through the process of purchasing an educational program. Before completing Your purchase of an educational program, please ensure that you have checked Your order carefully before submitting it.

If, during the order process, you provide Us with incorrect or incomplete information (including any incorrect or incomplete information about you or the educational program you require) please contact Us as soon as possible. If we are unable to process your order due to incorrect or incomplete information, we will contact you to ask to correct it. If you do not give us the accurate or complete information within a reasonable time of our request, we will cancel your order and treat this contract as being at an end. We will not be responsible for any delay in the availability of an educational program that results from your provision of incorrect or incomplete information.

No part of the Website constitutes a contractual offer capable of acceptance. Your order to purchase an educational program constitutes a contractual offer that we may, at our sole discretion, accept. Our acknowledgement of receipt of your order does not mean that we have accepted it. Our acceptance is indicated by Us sending you a confirmation of the fee received from you. Only once we have sent you a fee confirmation will there be a legally binding contract between Us and you.

5. Educational Materials

The materials presented on this Website are solely for informational purposes. No offer or solicitation to buy or sell currencies, or any type of investment or trading advice or strategy, is made, given or in any manner endorsed or implied by Us. The Company does not provide investment advice directly, indirectly, implicitly, or in any manner whatsoever by making such information and/or features available to you. Information gathered and shared with you through educational contents and any Service in general provided by Us should be used as a starting point to make your own independent analysis and investment decision making, if any. You should use any information gathered from the Website and/or utilise the educational contents and features only as a starting point for an independent research. The educational contents, and other features are provided by the Company solely for informational purposes. Company and/or any on its behalf, including its affiliates, subsidiaries, directors, employees, subcontractors and/or agents are not investment or financial or commodities trading advisers. Therefore, the Company does not provide any kind, whatsoever, of any investing advice.

You are fully responsible for any investment or trading decisions you make, and such decisions should be based solely on your evaluation of your financial circumstances, investment or trading objectives, risk tolerance and liquidity needs.

6. Market Opinions

Any opinions, news, research, analyses, prices, or other information contained on this Website are provided as general market commentary and do not constitute investment advice.

Opinions expressed on the Website regarding inter alia the prices of specific futures contracts, stocks, options, currencies, or markets in general are for illustration and information purposes only and do not represent or constitute (in full or in part) an investment or similar advice that may be relied on.

7. Intellectual Property

The Website, including but not limited to, code, text, content (including but not limited to educational programs available on the Website), photographs, video, audio and graphics and goods (“Service”) as well as trademarks (registered and unregistered) and designs and other pieces that form a part of the Website, is protected by copyrights, trademarks, service marks, international treaties, and/or other proprietary rights and laws of the UAE, other applicable laws and international conventions.

We are the sole and exclusive owner of (own and retain) all copyright and intellectual property rights (at all times throughout the world) in the Website, the Services including all educational programs, and each part subsisting thereof but when you purchase an educational program, We will grant you a limited, non-exclusive, non-transferable, non-sublicensable licence for you to access the relevant educational program for the your personal educational purposes only subject to restrictions in Clause 8 below. The licence granted does not give you any rights in Our Website or any educational program available on the Website (including any material that We may licence from third parties).

8. Restrictions

You may not use the Service (including but not limited to the educational content) for any illegal purpose or in any manner inconsistent with these Terms. You agree to use the service solely for educational purposes of your own and thus noncommercial use and benefit, and not for resale or other transfer or disposition to, or use by or for the benefit of, any other person or entity.

You may not use, transfer, distribute, or dispose of any information contained in the Service in any manner that could compete with Our business. You may not copy, rent, sell, publish, republish, share, broadcast or otherwise transmit the educational programs or educational materials (or any part of it) or make it available to the public in any form.

You may not reproduce, recompile, decompile, disassemble, reverse engineer, modify, upload to, create derivative works from the educational program and/or the educational materials, the Service and the Website, except that you may download one copy of educational material of the paid educational program from the Website and/or make one print copy of same for your own personal, noncommercial use. Modification of the service’s content would be a violation of Our copyrights and other proprietary rights.

The Service and the information contained therein may not be used to construct a database of any kind.

By starting to use our services you confirm that you are of the legal age of 18 (21 for some locations). IF YOU HAVE NOT REACHED THE LEGAL AGE YET, DO NOT USE OUR SERVICES.

The Company has a right to run additional checks in case of suspicion that the client is a minor (including the verification of the ID).

Besides, if it is confirmed that the registered person is a minor, it will be treated as a violation of the Terms. Access to the services will be closed without prior notice.

9. Due Diligence

The Company has the right to perform enhanced due diligence of the Client at any stage of the relationship. In that grounds the Client undertakes to collaborate with the Company by providing information, documentation, as well as with the provision of all those data necessary and/or convenient that may be necessary to fully comply with the mentioned due diligence. Moreover, if the enhanced due diligence is performed by a competent regulator and/or any financial institution, Client acknowledges and accepts that the Company has the right to share any Client’s relevant information that must be required by such entities. In the case Client does not provide the documents, information, or data requested by the Company, a competent regulator or a financial institution, Company shall have the right to i) restrict access to the relevant education program and/or this website until such requirements; and/or ii) consider such lack of fulfilment as a breach of these Terms and, in consequence, terminate the relationship with immediate effect.

10. Disclaimers and limitation of liability

WE MAKE NO WARRANTY OR REPRESENTATION THAT THE SERVICES ARE FIT FOR COMMERCIAL, BUSINESS OR INDUSTRIAL PURPOSES OF ANY KIND (INCLUDING RESALE), ARE COMPLETE OR FREE OF ERRORS OR VIRUSES, WORMS OR “TROJAN HORSES,” OR ANY OTHER HARMFUL, INVASIVE, OR CORRUPTED FILES.

WE WILL NOT BE LIABLE TO YOU, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), BREACH OF STATUTORY DUTY, OR OTHERWISE, FOR ANY LOSS OF PROFIT, LOSS OF BUSINESS, INTERRUPTION TO BUSINESS, FOR ANY LOSS OF BUSINESS OPPORTUNITY OR LOSS OF ANTICIPATED SAVINGS, OR FOR ANY INDIRECT OR CONSEQUENTIAL LOSS ARISING OUT OF OR IN CONNECTION WITH ANY CONTRACT BETWEEN YOU AND US.

WE HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, FITNESS, SUITABILITY OR USABILITY FOR A PARTICULAR PURPOSE OR PERIOD, AND NON-INFRINGEMENT WITH RESPECT TO ALL SERVICES, SOFTWARE OR OTHER PRODUCTS PROVIDED HEREUNDER.

NOTHING ON THE WEBSITE CONSTITUTES ADVICE ON WHICH YOU SHOULD RELY. IT IS PROVIDED FOR INFORMATION PURPOSES ONLY. PROFESSIONAL OR SPECIALIST ADVICE SHOULD ALWAYS BE SOUGHT BEFORE TAKING ANY ACTION ON THE BASIS OF ANY INFORMATION PROVIDED ON THE WEBSITE. WE ARE NOT RESPONSIBLE FOR THE CONTENT OR ACCURACY, OR FOR ANY OPINIONS, VIEWS, OR VALUES EXPRESSED IN THE EDUCATIONAL PROGRAMS AVAILABLE ON THE WEBSITE. ANY SUCH OPINIONS, VIEWS, OR VALUES ARE THOSE OF THE RELEVANT SPEAKER ONLY AND EXCLUSIVELY AND NOT OURS.

INSOFAR AS IS PERMITTED BY LAW, WE MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE WEBSITE WILL MEET YOUR REQUIREMENTS, THAT IT WILL NOT INFRINGE THE RIGHTS OF THIRD PARTIES, THAT IT WILL BE COMPATIBLE WITH ALL SOFTWARE OR THAT IT WILL BE SECURE.

WE MAKE REASONABLE EFFORTS TO ENSURE THAT THE CONTENT ON THE WEBSITE INCLUDING THE EDUCATIONAL PROGRAMS IS COMPLETE, ACCURATE, AND UP-TO-DATE. WE DO NOT, HOWEVER, MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES (WHETHER EXPRESS OR IMPLIED) THAT THE CONTENT IS COMPLETE, ACCURATE, OR UP-TO-DATE.

TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WE ACCEPT NO LIABILITY TO YOU FOR ANY LOSS OR DAMAGE, WHETHER FORESEEABLE OR OTHERWISE, IN CONTRACT, TORT (INCLUDING NEGLIGENCE), FOR BREACH OF STATUTORY DUTY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH THE USE OF (OR INABILITY TO USE) THE WEBSITE OR THE USE OF OR RELIANCE UPON ANY CONTENT, INCLUDING EDUCATIONAL PROGRAMS INCLUDED ON THE WEBSITE.

WE NEITHER ASSUME NOR ACCEPT RESPONSIBILITY OR LIABILITY ARISING OUT OF ANY DISRUPTION OR NON-AVAILABILITY OF THE WEBSITE RESULTING FROM EXTERNAL CAUSES INCLUDING, BUT NOT LIMITED TO, ISP EQUIPMENT FAILURE, HOST EQUIPMENT FAILURE, COMMUNICATIONS NETWORK FAILURE, NATURAL EVENTS, ACTS OF WAR, OR LEGAL RESTRICTIONS AND CENSORSHIP.

11. Indemnification

You agree to defend, indemnify and hold harmless Us and our officers, agents, employees, third party content providers for any loss, liability, damages, costs or expenses, including reasonable attorneys’ fees, resulting from any third party claim, action, or demand arising out of or related to:

Your access to and use of the Services;
Your breach or violation of any term, condition, representation or warranty contained in these Terms;/li>
Your violation of any laws or regulations, or any other person’s rights, including but not limited to infringement of any intellectual property, proprietary, or privacy right of any third party.

12. Other

You may terminate these Terms at any time by discontinuing your use of the Service and destroying all materials obtained from the Service. However, subject to Clause 3, we cannot offer any refunds and you will continue having access to the relevant educational program for the remainder of your paid term (up until the renewal or expiry date, as applicable), whereupon the contract between you and Us will end.

This Website and the Services are NOT intended for distribution or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. It is your responsibility to ensure that the Website and the Service as well as your use thereof are in line with the applicable to you legislation.

These Terms are effective as of 02 November 2023.