Terms and Conditions
Agreement to Terms
By accessing and using Lenoraxepheos, you agree to be bound by these Terms and Conditions
Effective Date: August 3, 2025
Acceptance of Terms
Your use of our platform constitutes acceptance of these terms
You must be at least 18 years old to use our services
Service Description
Lenoraxepheos provides financial education and planning tools through a subscription-based platform. Our services include educational content, analytical tools, and ongoing learning support.
We reserve the right to modify or discontinue services with reasonable notice
User Responsibilities
As a user, you agree to:
- Provide accurate and complete information
- Use services only for educational purposes
- Maintain confidentiality of your account credentials
- Comply with all applicable laws and regulations
- Respect intellectual property rights
Prohibited Uses
You may not use our platform to:
- Violate any laws or regulations
- Share copyrighted content without permission
- Attempt to gain unauthorized access to systems
- Distribute malicious software or spam
- Impersonate others or provide false information
Intellectual Property
All content, trademarks, and intellectual property on Lenoraxepheos are owned by us or our licensors
You may not reproduce, distribute, or create derivative works without permission
Payment Terms
Subscription fees and payment terms:
Monthly subscription fee of R3,750 (approximately $250) including VAT
Payment is due in advance on a monthly basis
All fees are non-refundable except as required by law
Cancellation Policy
You may cancel your subscription at any time through your account settings
Cancellation takes effect at the end of your current billing period
Privacy and Data Protection
Your privacy is important to us. Our data practices are detailed in our Privacy Policy
Please review our Privacy Policy for complete information
Disclaimers
Our educational content is provided for informational purposes only and does not constitute financial advice
Services are provided "as is" without warranties of any kind
Limitation of Liability
Our liability is limited to the amount of subscription fees paid in the 12 months preceding any claim
We are not liable for indirect, incidental, or consequential damages
Indemnification
You agree to indemnify us against claims arising from your use of our services
Dispute Resolution
Dispute resolution procedures for resolving conflicts:
Arbitration
Disputes will be resolved through binding arbitration in South Africa
Arbitration will follow the Arbitration Foundation of Southern Africa rules
Alternative Dispute Resolution
EU residents may access the Online Dispute Resolution platform
European Commission ODR Platform: Available at ec.europa.eu/consumers/odr
Governing Law
These terms are governed by South African law and subject to South African court jurisdiction
Exclusive jurisdiction lies with South African courts
Severability
If any provision is unenforceable, the remainder of these terms remain in effect
Entire Agreement
These terms constitute the complete agreement between you and Lenoraxepheos
Policy Changes
We may update these terms with notice to users
Continued use after changes constitutes acceptance
Contact Information
Questions about these terms should be directed to info@lenoraxepheos.com
Lenoraxepheos Financial Education (Pty) Ltd
39 Hillside Drive, Bloemfontein, 9301, Free State, South Africa
Email: info@lenoraxepheos.com