1. Introduction

This document outlines the terms and conditions (“Terms”) for your membership (“Membership”) with WTS Tax and Finance LTD (“Company”), a company registered and operating under the laws of the Republic of Serbia with Director Bojan Radojicic and its address at Ljuba Stojanovica 5, 31. By accessing or using the Membership content, you agree to be bound by these Terms.

2. Membership Access

  • Membership grants access to a collection of educational finance courses and materials (“Content”). The Content may include various formats such as online courses, downloadable resources, webinars, and other learning materials.
  • The Company reserves the right to add, remove, or modify Content at any time. We will use reasonable efforts to provide notice of any material changes to the Content.
  • You are responsible for maintaining the confidentiality of your login credentials and for any activity that occurs under your account.

3. Content Disclaimer

  • The Content is for informational and educational purposes only.
  • It does not constitute financial advice, and you should not rely on it as such. You are solely responsible for any investment or financial decisions you make.
  • The Company does its best to produce fully accurate content but does not guarantee error free,  the completeness, or timeliness of the Content. 
  • You are encouraged to conduct your own research and consult with a qualified financial professional before making any investment or financial decisions.

4. Use of Content

  • The Content is the intellectual property of the Company and its licensors. This includes copyrights, trademarks, and other intellectual property rights.
  • You may access and use the Content for your personal and educational purposes only.
  • You may not reproduce, distribute, modify, or create derivative works of the Content without the Company’s express written permission.
  • You may not share your login credentials with others. Sharing your login credentials is a violation of these Terms and may result in the termination of your Membership.
  • You agree to use the Content in a lawful and ethical manner. This includes not using the Content for any illegal or unauthorized purposes, such as infringing on the intellectual property rights of others.

5. Term and Termination

  • Your Membership Term (“Term”) will begin on the date you purchase your Membership and will continue for the period you select at signup (e.g., monthly, annually).
  • The Membership will automatically renew for subsequent terms of the same length unless you cancel it before the current Term ends. You can cancel your Membership at any time by following the instructions on our website or contacting us directly.
  • The Company may terminate your Membership at any time for cause, including but not limited to violation of these Terms, non-payment of fees, or misuse of the Content. 

6. Fees and Payment

  • There might a different Membership tiers available, each with its own pricing structure. You can find a detailed breakdown of the fees associated with each tier on our website.
  • You agree to pay the Membership fees in advance for the chosen Term.
  • We accept various payment methods, which will be clearly outlined during the signup process.
  • You are responsible for all taxes associated with your Membership.
  • The Company reserves the right to change fees at any time, with notice provided before the change takes effect. If you have a prepaid Membership and the fees increase, you will have the option to continue your Membership at the new rate or cancel it for a prorated refund.

7. Disclaimer of Warranties

THE COMPANY MAKES NO WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE MEMBERSHIP, CONTENT, OR ANY DIGITAL PRODUCTS (INCLUDING BUT NOT LIMITED TO COURSES, MATERIALS, AND RESOURCES) PROVIDED AS PART OF THE MEMBERSHIP. THIS DISCLAIMER APPLIES TO THE FULLEST EXTENT PERMITTED BY LAW.

The Company does not guarantee the accuracy, completeness, timeliness, performance, operability, or suitability of the Membership, Content, or digital products for any particular purpose.

You acknowledge that your use of the Membership, Content, and digital products is entirely at your own risk.

The Company disclaims all warranties of merchantability and fitness for a particular purpose. This means the Membership, Content, and digital products may not be suitable for your specific needs or expectations.

The Company does not warrant that the Membership, Content, or digital products do not infringe on the intellectual property rights of any third party.

It is your responsibility to evaluate the accuracy, completeness, and usefulness of any information or materials provided as part of the Membership or digital products.

You should consult with a qualified professional before making any investment or financial decisions based on the information provided.

8 . Limitation of liability

THE COMPANY WILL NOT BE LIABLE FOR ANY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE MEMBERSHIP, CONTENT, OR DIGITAL PRODUCTS, TO THE FULLEST EXTENT PERMITTED BY LAW.

This section outlines the limitations on the Company’s liability for any harm you may experience due to the Membership or its content. 

No Liability for Damages: The Company will not be held liable for any damages arising from your use of the Membership, Content, or digital products. This includes, but is not limited to, direct, indirect, incidental, consequential, punitive, or special damages.

Examples of Damages Not Covered: This could include damages for lost profits, lost business opportunities, loss of data, business interruption, or personal injury.

Fullest Extent Permitted by Law: This limitation of liability applies to the fullest extent permitted by law. Some jurisdictions may limit or disallow the exclusion or limitation of certain damages, so this provision may not apply to you.

Additional Considerations:

Force Majeure: The Company will not be liable for any delays or failures in performance due to causes beyond its reasonable control, such as acts of God, natural disasters, or technical outages.

User Error: The Company will not be liable for any damages resulting from your own misuse of the Membership, Content, or digital products.

Third-Party Content: The Membership and Content may contain links to or references to third-party websites or resources. The Company is not responsible for the content or accuracy of any third-party materials.

9. Governing Law and Dispute Resolution

These Terms will be governed by and construed in accordance with the laws of the Republic of Serbia. 

Any dispute arising out of or relating to these Terms may be resolved through Arbitration/Mediation.

10. Refund Policy: No Refunds for Digital Products

Due to the digital nature of our finance membership and the extensive resources provided, all sales are final. Once you have gained access to the course materials, we are unable to offer refunds, exchanges, or cancellations.

Here’s why we have this policy:

  • Transparency Before Purchase: We strive to be completely transparent about our product offerings. We provide detailed descriptions, previews of models and files, content samples, video demonstrations, and other resources to help you understand what’s included in the Membership before you purchase.
  • Digital Delivery: Once the Membership is purchased, the content is delivered electronically, making it impossible to retract access to the materials.

11. Amendments and Severability: 

The Company reserves the right to modify these Terms at any time by posting the updated version on its website. It’s your responsibility to check for updates periodically. Your continued use of the Membership after the changes are posted signifies your acceptance of the revised Terms.

If any provision of these Terms is held to be invalid or unenforceable, such provision will be struck and the remaining provisions will remain in full force and effect.

12. Contact Us

If you have any questions about these Terms, please contact us at:

  • Email: br@bojanfin.com
  • Website Contact Form: bojanfin.com