Introduction
These terms and conditions shall govern your use of our website.
By using our website, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must use our website.
If you register with our website, submit any material to our website, leave any comments on our website or use any of our website services, we will ask you to expressly agree to these terms and conditions.
Our website uses cookies; by using our website or agreeing to these terms and conditions, you consent to our use of cookies in accordance with the terms of our Privacy Policy.
License to use website
You may:
View pages from our website in a web browser;
Download pages from our website for caching  in a web browser;
Print pages from our website;
Stream video files from our website; and
Use our website services by means of a web browser,
subject to the other provisions of these terms and conditions.
Except as expressly permitted by (1) in this section or the other provisions of these terms and conditions, you must not download any material from our website or save any such material to your computer.
You may only use our website for your own personal and business purposes, and you must not use our website for any other purposes.
Except as expressly permitted by these terms and conditions, you must not edit or otherwise modify any material on our website.
Unless you own or control the relevant rights in the material, you must not:
re-publish material from our website (including re-publication on another website);
sell, rent or sub-license material from our website;
show any material from our website in public;
exploit material from our website for a commercial purpose; or
redistribute material from our website.
We reserve the right to restrict access to areas of our website, or indeed our entire website, at our discretion, you must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on our website.

Acceptable Use
You must not:
use our website i any way or take any action that causes, or may cause, damage to the website or impairmentof the performance, availablility or accessibility of the website;
use our website in any way that is unlawful, illegal, fraudulent or harmful, on in connection with any unlawful, illegal, fraudulent or harmful purpose or activity;
use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit, or other malicious computer software;
conduct any systematic or automated data collection activities (including without limitiation, scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent;
access or otherwise interact with our website for any direct marketing activity (including without limitation, email marketing, SMS marketing, telemarketing and direct mailing).
You must not use data collected from our website to contact individuals, companies or other persons or entities.
You must ensure that all the information you supply to us through our website, or in relation to our website, is true, accurate, current, complete and non-misleading.
Registration and accounts
You may register for an account on our website by completing and submitting the account registration form on our website. Your password will be sent to you via email.
You must not allow any person to use your account to access the website.
You must notify us in writing immediately if you become aware of any unauthorised use of your account.
You must not use any other person’s account to access the website, unless you have that person’s express permission to do so.
User Login Details
If you register for an account with our website, your user ID is the email you registered with and password shall be generated for you, however you may change this in your settings on your profile.
Your user ID must not be liable to mislead and must comply with Your Content Rules; you must not use your account or user ID for or in connection with the impersonation of any person.
You must keep your password confidential.
You must notify us in writing immediately if you become aware of any disclosure of your password.
You are responsible for any activity on our website arising out of any failure to keep your password confidential, and may be held liable for any losses arising out of such a failure.
Suspension, Renewal, and Cancellation of Your Account
Lotus Academy reserves the right to suspend or terminate your subscription if you breach these terms and conditions, with or without notice and without further obligation to you. You will not be entitled to any refund in these circumstances.
If you chose to monthly or annually, your subscription will continue until you cancel the reoccurring payments via paypal, in which case you will stop paying the reoccurring fees. We will notify you in advance of any changes to the price of your subscription that will apply upon renewal. Unless you notify us before the end of your subscription period that you no longer wish to receive it, your subscription will renew for another month or annual period. We will charge the subscription using the same card or other payment method that you previously used.
Unless you cancel your subscription before we have started providing any part of it to you (in which case we will provide you with a full refund), then you agree that once we have started providing any part of your subscription to you, you do not have any right to cancel your subscription or any part of it until the end of your then current subscription period. This means that you are not entitled to a refund once we have started providing any part of your subscription to you, except in the very limited circumstances, which are referred to in the Refund Policy. Although you may notify us of your intention to cancel at any time, such notice will only take effect at the end of your then current subscription period.
You may cancel your account on our website using your account settings panel within the Dashboard.
Your Content: Licence
In these terms and conditions, “your content” means all works and materials (including without limitation text, graphics, images, audio material, video material, audio-visual material, scripts, software and files) that you submit to us or our website for storage or publication on, processing by, or transmission via, our website.
You grant to us a worldwide, irrevocable, non-exclusive, royalty-free licence to use, reproduce, store and publish your content on and in relation to this website and any successor website.
You grant to us the right to sub-license the rights licensed under (2) of this section.
You grant to us the right to bring an action for infringement of the rights licensed under (2) of this section.
You hereby waive all your moral rights in your content to the maximum extent permitted by applicable law; and you warrant and represent that all other moral rights in your content have been waived to the maximum extent permitted by applicable law.
Without prejudice to our other rights under these terms and conditions, if you breach any provision of these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may delete, unpublish or edit any or all of your content.
Your Content: Rules
You warrant and represent that your content will comply with these terms and conditions.
Your content must not be illegal or unlawful, must not infringe any person’s legal rights, and must not be capable of giving rise to legal action against any person (in each case in any jurisdiction and under any applicable law).
Your content, and the use of your content by us in accordance with these terms and conditions, must not:
be libellous or maliciously false;
be obscene or indecent;
infringe any copyright, moral right, database right, trade mark right, design right, right in passing off, or other intellectual property right;
infringe any right of confidence, right of privacy or right under data protection legislation;
constitute negligent advice or contain any negligent statement;
constitute an incitement to commit a crime;
be in contempt of any court, or in breach of any court order;
be in breach of racial or religious hatred or discrimination legislation;
be blasphemous;
be in breach of official secrets legislation;
be in breach of any contractual obligation owed to any person;
constitute spam;
be offensive, deceptive, fraudulent, threatening, abusive, harassing, anti-social, menacing, hateful, discriminatory or inflammatory; or
cause annoyance, inconvenience or needless anxiety to any person.
Limited Warranties
We do not warrant or represent:
the completeness or accuracy of the information published on our website;
that the website or any service on the website will remain available.
We reserve the right to discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website.
To the maximum extent permitted by applicable law and subject to (1) of Limitations and Exclusions of Liability, we exclude all representations and warranties relating to the subject matter of these terms and conditions, our website and the use of our website.
Limitations and Exclusions of Liability
Nothing in these terms and conditions will:
limit or exclude any liability for death or personal injury resulting from negligence;
limit or exclude any liability for fraud or fraudulent misrepresentation;
limit any liabilities in any way that is not permitted under applicable law; or
exclude any liabilities that may not be excluded under applicable law.
The limitations and exclusions of liability set out in this Section and elsewhere in these terms and conditions:
are subject to Section (1) of this section; and govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty, except to the extent expressly provided otherwise in these terms and conditions.
To the extent that our website and the information and services on our website are provided free of charge, we will not be liable for any loss or damage of any nature.
We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.
We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.
We will not be liable to you in respect of any loss or corruption of any data, database or software.
We will not be liable to you in respect of any special, indirect or consequential loss or damage.
You accept that we have an interest in limiting the personal liability of our officers and employees and, having regard to that interest, you acknowledge that we are a limited liability entity; you agree that you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions (this will not, of course, limit or exclude the liability of the limited liability entity itself for the acts and omissions of our officers and employees).
Accuracy of Information
While Lotus Academy has made every effort to ensure the accuracy of the information on the site, the information and content is subject to change without notice and is provided for the sole purpose of assisting traders to make independent investment decisions. Lotus Academy has taken reasonable measures to ensure the accuracy of the information on the site. However, we do not guarantee its accuracy, and will not accept liability for any loss or damage that may arise directly or indirectly from the content or your inability to access the site, for any delay in or failure of the transmission or the receipt of any instruction or notifications sent through this Web site. All content on our site is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.
Limitations on Investment Guidance and Professional Advice
Lotus Academy is not intended to provide legal, tax or investment advice. You are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your legal, tax professional or investment advisor regarding your specific situation.
From time to time we may, at our discretion, provide incidental information, general advice and recommendation on our own initiative. However, we shall not be under any obligation to provide on-going general advice in relation to the management of your investment unless otherwise agreed between you and us.
Where we do provide general trading recommendations, market commentary, guidance or other information:
it is provided solely to enable you to make your own investment decisions and does not amount to a personal recommendation or to advice;
we give no representation, warranty or guarantee as to the accuracy or completeness of such information or as to the legal, tax or accountancy consequences of any transaction;
where information is in the form of a document containing a restriction on the person or category of persons for whom that document is intended or to whom it is distributed, you agree that you will not pass it on contrary to that restriction;
we do not provide specific investment advice and will not advise on the merits or otherwise of your trades or transactions;
the decision to place a trade is yours alone. You are responsible for the effect a trade might have on any account or open positions;
such information may not be consistent with our proprietary investments if any, or those of our associates, directors, employees or agents.
Breaches of These Terms and Conditions
Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may:
send you one or more formal warnings;
temporarily suspend your access to our website;
permanently prohibit you from accessing our website;
block computers using your IP address from accessing our website;
contact any or all of your internet service providers and request that they block your access to our website;
commence legal action against you, whether for breach of contract or otherwise; and/or
suspend or delete your account on our website.
Where we suspend or prohibit or block your access to our website or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking including without limitation, creating and/or using a different account.
Variation
We may revise these terms and conditions from time to time.
The revised terms and conditions shall apply to the use of our website from the date of publication of the revised terms and conditions on the website, and you hereby waive any right you may otherwise have to be notified of, or to consent to, revisions of these terms and conditions.
Assignment
You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.
You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.
Severability
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.
If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
Third Party Rights
Certain content, products and services available via our Service may include materials from third-parties.
Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.
We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.
Entire Agreement
Subject to Limitations and Exclusions of Liability, these terms and conditions, together with our privacy and refund policy, shall constitute the entire agreement between you and us in relation to your use of our website and shall supersede all previous agreements between you and us in relation to your use of our website.
Laws and Jurisdiction
These terms and conditions shall be governed by and construed in accordance with South African law.
Any disputes relating to these terms and conditions shall be subject to the non-exclusive jurisdiction of the courts of South Africa.
Statutory and Regulatory Disclosures
We are registered with the Companies and Intellectual Property Commission; you can find the online version of the registry at https://eservices.cipc.co.za/Search.aspx, and our registration number is 2020/763901/07.
Our Details
This website is owned and operated by Lotus Academy
We are registered in South Africa under registration number 2020/763901/07, and our registered office is at 61 Katherine Street, Sandton, Johannesburg, South Africa
You can contact us:
by emailing info@lotusacademy.africa or,
by visiting the Contact Us page.