These Terms and Conditions (the “Terms” or the “Agreement”) constitute a legal agreement between you, as a user of the website www.equinox-academy.com (“Website”), and Equinox Academy™ ("Equinox Academy", "us" or "we"), Direct Media Group LTD, a company registered in the United Kingdom with its registered office at 80-90 Paul Street, London EC2A4N, United Kingdom
These Terms oversee your access to and use of the Website and the associated services offered through this Website (collectively referred to as the “Services”). This Agreement nullifies all previous agreements between you and us regarding these Services. By using the Website and Services, you agree to abide by these Terms.
Your payments for the Services are processed by Equinox Academy.
Our Privacy Policy and Subscription Terms, along with any other policies we may adopt or introduce, are an integral part of this Agreement.
IMPORTANT: THE SERVICES INCLUDE SUBSCRIPTIONS THAT AUTOMATICALLY RENEW. IT IS ESSENTIAL THAT YOU READ THESE TERMS CAREFULLY, ESPECIALLY SECTIONS 4 (“Subscription Terms and Fees”) AND 5 (“Billing and Cancellation”) BEFORE INITIATING A TRIAL OR COMPLETING A PURCHASE FOR OUR AUTO-RENEWING SUBSCRIPTION SERVICE. TO AVOID UNWANTED CHARGES, YOU MUST CANCEL YOUR SUBSCRIPTION AT LEAST 24 HOURS BEFORE THE END OF THE TRIAL OR CURRENT SUBSCRIPTION PERIOD. Deleting the app does not cancel your subscription.
We reserve the right to amend these Terms and will post such changes on this page of the Website. While we may notify you of significant changes, we are not obliged to do so in every instance. Continued use of the Service after changes signifies your acceptance of the new Terms. If you do not agree with the amended Terms within fourteen (14) days of notice, you should cease using the Services.
To enter into this Agreement with Equinox Academy, you must be a physical entity, legally competent, and 18 years or older. Minors aged 16 and above may use Equinox Academy’s website and Services with parental consent, provided they have read and agreed to these Terms.
IF YOU DISAGREE WITH ANY PART OF THESE TERMS, OR IF YOU ARE NOT ELIGIBLE OR AUTHORIZED TO AGREE TO THESE TERMS, THEN DO NOT ACCESS OR USE THE SERVICE.
Equinox Academy provides Services that grant access to a consistent plan for enhancing financial literacy, including investment reading materials, test questions, articles, and more (referred to as "Digital Content").
Upon registering for the Service, you gain access to Digital Content, including introductory offers, additional paid features, and subscription plans (monthly, annually, etc., based on your selection).
The Services include an online investment simulator for educational purposes, using fictional currency for trading. This simulator is designed for learning and is not intended for real investment use.
Additionally, the Services offer an AI Chat with mentor functions for educational purposes only. The AI Chat does not provide investment advice. You own the input you provide to the AI Chat and the corresponding output, subject to these Terms.
Your engagement with the Services is entirely at your own discretion and risk. Decisions regarding investments made through the use of our Services should be taken independently and are solely your responsibility. Equinox Academy shall not be held accountable for any damages to your computer system, data loss, or financial losses incurred as a result of your use of the Services or reliance on any information or advice provided therein.
The User recognises that all content made available through the Services, including but not limited to text, images, graphics, logos, compilations (which refers to the collection, arrangement, and assembly of information), data, and other materials, as well as software used in the operation of the Services (collectively referred to as “Digital Content”, excluding any User Content), is the property of Equinox Academy or respective third parties.
Any information you submit to us during your registration for the Services ("User Content") remains under your intellectual ownership. Equinox Academy does not claim any copyright or proprietary rights in such User Content. Nonetheless, you agree that Equinox Academy may retain and utilise copies of all registration information and User Content as necessary for the operation of the Services and as outlined in these Terms and other supplementary terms.
Under these Terms, Equinox Academy provides you with a non-transferable, non-exclusive license (not sub-licensable) to use the Services for personal, non-commercial purposes.
Equinox Academy reserves all rights, including all intellectual property rights, in the aforementioned content. Any use, redistribution, sale, decompilation, reverse engineering, disassembly, translation, or other exploitation of this content is strictly prohibited, except as expressly permitted by these Terms. The provision of the Service does not convey to you or any third party any rights, title, or interest in or to such intellectual property rights, unless explicitly stated in these Terms.
Copyright Complaints: If you believe that your intellectual property rights have been infringed upon, please contact support@equinox-academy.com. We reserve the right to request additional information, remove or disable access to the alleged infringing content, and terminate accounts of repeat infringers.
You acknowledge that certain actions by Equinox Academy might limit or prevent access to the Service at times, either temporarily or permanently, and agree that Equinox Academy is not liable for any such actions or consequences, including but not limited to the deletion of, or failure to make available, any Digital Content or Services.
You warrant that your use of the Service will comply with these Terms and not infringe upon the rights of any other party, nor breach any contractual or legal obligations to others. Furthermore, you agree to abide by all applicable laws, regulations, and ordinances in relation to the Service and accept responsibility for any individual violations of such laws.
The Service may feature links to external websites or resources, as well as advertisements for third-party products or services (collectively referred to as "Third Party Ads"). These Third Party Ads are beyond the control of Equinox Academy, and we bear no responsibility for them. We present these Third Party Ads merely for your convenience and do not endorse, verify, monitor, or make any representations concerning them. Be aware that the accuracy of third-party advertisements and information cannot be guaranteed.
You assume full responsibility and all risks associated with the use of any such external sites or resources. When accessing a third-party site, the terms and policies of that site, particularly regarding privacy and data collection, become applicable. We advise you to conduct any necessary investigations or research before engaging in transactions with any third party. Your interactions and dealings with Third Party Ads found through the Equinox Academy Website, including payments and receipt of goods or services, are exclusively between you and the respective merchant or advertiser.
By using the Service, you release Equinox Academy, including our officers, employees, agents, and successors, from any claims, demands, and all losses, damages, rights, and actions of any nature, including personal injuries, death, property damage, and financial losses, that may arise directly or indirectly from your interactions or dealings with any Third Party Ads.
Our subscription plans may have varying conditions and limitations, which will be disclosed at sign-up or through other communications. You can find details about your subscription plan in your account profile on the Website.
Equinox Academy offers various subscription options for our Services, which may include a paid trial subscription (known as the "introductory offer"), additional paid features, and various subscription plans (monthly, annually, or as per your chosen option at the time of purchase). We may also present offers that renew at the standard, non-discounted rate, alongside other promotions that could be of interest to you. Please be aware that the displayed prices may exclude applicable taxes, which will be communicated to you before your order is finalised.
Note that any paid trial subscriptions or extra paid features for the Service will be clearly outlined on the pricing page before you complete your checkout.
The fees for our Services are charged either on a subscription basis or as a one-time purchase.
Introductory offers grant access to the Service for a specified period, as detailed at the time of your subscription. Unless you opt to cancel before the introductory offer expires, your access to the Service will automatically extend, and you will be charged for a monthly subscription plan without further notice. It is your responsibility to be aware of when your paid trial period concludes.
Following an introductory offer, you will gain access to a regular subscription plan (monthly, annually, or as per your chosen option) upon payment for the subscription services.
Subscription plans automatically renew at the end of each billing cycle (monthly/yearly) unless you cancel at least 24 hours before the current period ends. Payment for the subsequent period will be taken 24 hours before the current one concludes.
The pricing and the volume of Digital Content accessible via subscription services are subject to change, which may vary by region and may occur with or without explicit notice (unless notification is mandated by applicable law).
We will provide reasonable notice of any changes in pricing by updating the new prices on the website, via email notification, or through another prominent method. If you choose not to accept the new pricing, you have the option to cancel your subscription before the new pricing takes effect.
For any queries regarding subscription prices, auto-renewal periods, or changes in pricing, please reach out to us at support@equinox-academy.com.
Payments for our Services are processed by Equinox Academy through PayPal or alternative payment providers.
Equinox Academy will charge the fees to the payment card you provide at the time of your purchase. This occurs after you confirm the transaction either through single-touch identification, facial recognition, entering your payment details online, or by accepting the subscription terms shown on the payment screen of our website.
You grant us permission to store your payment method(s) and to automatically charge the appropriate subscription fees to the payment card you provide for each renewal term.
If you do not cancel your subscription before the end of the introductory offer, your access to the Service will continue without interruption, and you will be automatically charged for a subscription plan (monthly, annually, or as per your chosen option) without further notice. It is your responsibility to be aware of when your paid trial period ends.
The duration of the auto-renewal will match your initial subscription period, unless otherwise specified. The renewal fee will not exceed the fee of the immediately preceding subscription period, not including any promotional or discount prices, unless you are notified of a price change before the auto-renewal.
In certain instances, your payment date might change, for example, if your payment method does not process successfully or if you alter your subscription plan. You can view your next payment date by visiting the website, navigating to the "Account" page, and clicking on the "Subscription" link.
You must cancel your subscription in line with the cancellation procedures provided for your specific subscription plan. We do not issue refunds for fees incurred once Digital Content has been delivered to you.
By completing payment for the subscription services, you acknowledge and agree that all purchases are final and non-refundable or exchangeable. Given the digital nature of the Service, we are unable to process refunds, thus your right of withdrawal ceases upon purchase. However, Equinox Academy will issue refunds and/or allow subscription cancellations as required by law and in accordance with any mandatory legal provisions.
Equinox Academy reserves the right to issue refunds at its own discretion, subject to the Subscription Terms outlined on our website.
Subscriptions or one-time purchases made via PayPal are governed by PayPal's refund policies, meaning that we are unable to issue refunds in these cases.
Our website clearly displays the Subscription Terms for your review.
Equinox Academy provides the Services in compliance with the laws of the United Kingdom. We do not guarantee that the Services or Digital Content are suitable or available for use in locations outside the UK.
Should you access the Services from a location outside the UK, you do so at your own risk and are responsible for adherence to local laws applicable to the use of the Services.
Equinox Academy is committed to responsibly handling User data in line with our Privacy Policy.
By using our Services, you consent to the collection, storage, and processing of your data as detailed in the Privacy Policy.
Equinox Academy holds the copyright to its product, encompassing all materials, logos, and related elements.
Redistribution or reproduction of any part of the Services or Digital Content, in any form, is strictly prohibited unless expressly permitted through written consent from Equinox Academy. Any alternative usage of our Services or Digital Content requires formal written approval from us.
In utilising the Service, you affirm and guarantee that:
Should the information you provide be false, inaccurate, outdated, or incomplete, we reserve the right to deny you access to the Service, either presently or in the future.
The Service must not be used for purposes other than those for which it is intended. This includes any revenue-generating activities, commercial enterprises, or other uses not expressly sanctioned by us.
As a user, you are prohibited from:
Information and statements provided through the Service are solely for informational and educational purposes and should not be taken as a replacement for professional financial, legal, or other advice.
Equinox Academy does not offer investment or financial advice, nor does it endorse the buying or selling of any securities or investments through the Service.
We cannot assure that the Digital Content will meet everyone’s needs or requirements. The Service is not universally suitable and should not be used as a substitute for professional financial guidance.
Success levels achieved through our Service are not guaranteed and will vary among individuals. The Service might showcase exceptional results which are not typical for every user and should not be perceived as a guarantee of similar success.
Your results from using any investment learning program or service, including ours, will depend on various factors such as your individual capabilities, life experiences, financial status, starting point, expertise, and commitment level. Equinox Academy is not responsible for any financial success or failure that may arise, directly or indirectly, from your use of the Service.
It is important to understand that investment entails the risk of capital loss and that income is not guaranteed, being subject to various factors. Investment decisions should be made independently and voluntarily.
Equinox Academy makes no claims or guarantees regarding the accuracy, reliability, or completeness of the information provided through the Service and disclaims all liability for reliance on such information. Should you require specialized advice, we recommend consulting a suitably qualified professional.
The inclusion of any external sites or product information on our Service does not imply endorsement but merely presents potential options. Users are responsible for conducting their own research and due diligence before making any decisions.
We expressly disclaim all warranties, both express and implied, including but not limited to warranties concerning the accuracy, reliability, and completeness of information available through our website, and we take no responsibility for performance, non-performance, or any other actions or omissions by us or any third party.
Equinox Academy shall not be liable for any losses, damages, or injuries that may result from the use of information available through the Service.
Furthermore, Equinox Academy will not be responsible for any indirect, consequential, special, incidental, punitive, or exemplary damages arising from the use of the Service, the Digital Content, tools, or in the event of service failure, errors, transmission issues, computer viruses, or system failures, including, but not limited to, loss of profits, savings, or revenues.
Under no circumstances shall Equinox Academy or its affiliates be held liable to you or any third party for lost profits, or for any indirect, consequential, exemplary, incidental, special, or punitive damages arising from these Terms, or from your use or inability to use the Service (including the Digital Content), products, or any third-party advertisements, even if we have been advised of the possibility of such damages. Your access to, and use of, the Service (including the Digital Content and User Content), as well as any third-party ads, are entirely at your own discretion and risk. You are solely responsible for any damage to your computer system or loss of data that results from this usage.
Notwithstanding any other provision in these Terms, you agree that the total liability of Equinox Academy to you for all damages, losses, and causes of action arising from your use of the Service, content, or products will not exceed the amount you have paid to Equinox Academy for access to and use of the Service. The limitations of damages set out above are fundamental elements of the basis of the agreement between Equinox Academy and you.
Please be aware that some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations or exclusions may not apply to you. In such cases, you might also have other legal rights that vary from one jurisdiction to another.
Equinox Academy will not be held responsible for any losses, damages, or injuries, including but not limited to indirect, consequential, special, incidental, or punitive damages, that may arise from the use of the Services. This encompasses decisions made or actions taken based on the information provided in the Services, as well as any errors or omissions within the Services.
By using the Services, you agree to indemnify, defend, and absolve Equinox Academy of any responsibility for all claims, complaints, legal actions, or liabilities, including reasonable legal fees, that may arise from your use of the Services or from any decisions you make based on the advice, recommendations, or instructions provided therein.
You also agree to indemnify and hold Equinox Academy, along with its successors, subsidiaries, affiliates, related companies, suppliers, licensors, partners, and their respective officers, directors, employees, agents, and representatives, harmless from any costs and legal fees resulting from any claims or demands made by any third party due to or arising out of your use of the Service or Digital Products, your User Content, or your breach of these Terms.
Any disputes or claims arising from, or related to, these Terms, or their violation, that cannot be resolved through amicable negotiations between Equinox Academy and the User, will be governed and resolved according to the laws of the United Kingdom.
Should you have any complaints or requests, please direct them to our Support Service at support@equinox-academy.com. Our dedicated team will provide a detailed response after reviewing your complaint, ensuring a reply within one month from the date of submission.
Disputes or claims arising in relation to these Terms will be subject to mediation and final resolution in the appropriate UK legal jurisdiction.
In the event any terms here are found to be invalid, illegal, or unenforceable, the remaining provisions will continue to be valid and enforceable.
In the event of service delays due to circumstances beyond Equinox Academy's control, such as unforeseeable events, we will promptly inform users. Our efforts to minimise the impact of such delays will not render Equinox Academy liable for these interruptions.
Changes, additions, or removals of Digital Content features may occur occasionally, and Equinox Academy will take all reasonable measures in such cases.
Equinox Academy reserves the right to modify any information on the Service at our discretion, without prior notice. We may also modify, suspend, or discontinue any aspect of the Service, either temporarily or permanently, at our discretion, with or without notice. We shall not be liable to you or any third party for any modifications, suspensions, or discontinuations of the Service.
Direct Media Group LTD
80-90 Paul Street, EC2A4NE, London
Email: support@equinox-academy.com
Last Revision: December 19, 2023