Terms of Service

1. Agreement to Terms

By accessing and using Crystal Surge's website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

2. Description of Services

Crystal Surge provides online financial literacy education services, including but not limited to:

• Online courses on personal finance, investment, and business finance
• Educational resources and materials
• Newsletter and email communications
• Customer support services

3. User Accounts and Registration

3.1 Account Creation

To access certain services, you may be required to create an account. You must provide accurate, current, and complete information during registration.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Course Enrollment and Payment

4.1 Course Access

Upon successful payment and enrollment, you will receive access to the purchased course materials for the duration specified in your enrollment agreement.

4.2 Payment Terms

All fees are payable in British Pounds (GBP) and must be paid in full before course access is granted. We accept major credit cards and other payment methods as displayed during checkout.

4.3 Refund Policy

We offer a 14-day money-back guarantee from the date of purchase. Refund requests must be submitted within this period. Partial course completion may affect refund eligibility.

5. Intellectual Property Rights

5.1 Course Content

All course materials, including but not limited to videos, text, graphics, logos, and software, are the exclusive property of Crystal Surge Ltd and are protected by copyright and other intellectual property laws.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use course materials for personal, non-commercial educational purposes only.

5.3 Restrictions

You may not:

• Reproduce, distribute, or share course materials with third parties
• Create derivative works based on our content
• Use our materials for commercial purposes
• Reverse engineer or attempt to extract source code

6. User Conduct

You agree not to:

• Violate any applicable laws or regulations
• Interfere with or disrupt our services or servers
• Attempt to gain unauthorized access to our systems
• Upload or transmit viruses or malicious code
• Harass, abuse, or harm other users
• Use our services for any fraudulent or illegal activities

7. Educational Disclaimer

Our courses and materials are for educational purposes only and do not constitute professional financial advice. We recommend consulting with qualified financial advisors for personalized financial planning and investment decisions.

8. Limitation of Liability

To the maximum extent permitted by law, Crystal Surge Ltd shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability shall not exceed the amount paid by you for the specific service in question.

9. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of our services, to understand our practices.

10. Termination

We reserve the right to terminate or suspend your access to our services immediately, without prior notice, for conduct that we believe violates these Terms of Service or is harmful to other users or our business.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting. Your continued use of our services after changes constitutes acceptance of the new terms.

13. Contact Information

For questions about these Terms of Service, contact us: