Terms and Conditions

Acceptance of Terms

By enrolling in our portfolio investment course or using our website, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, you may not access our course materials or services.

These terms constitute a legally binding agreement between you and ulmantrogroup.com.

Course Description

ulmantrogroup.com provides online investment education courses focusing on portfolio management, asset allocation, and investment strategies. Our courses are designed for educational purposes and do not constitute financial advice.

Our course includes:

  • Comprehensive video lessons on portfolio construction and risk management
  • Interactive modules covering market analysis and investment valuation
  • Access to course materials, templates, and ongoing educational resources

Student Responsibilities

As a student, you agree to:

  • Provide accurate information during enrollment and maintain the confidentiality of your account
  • Use course materials solely for personal educational purposes and not redistribute content
  • Understand that course content is educational and not personalized financial advice
  • Seek professional advice before making investment decisions based on course materials

Prohibited Uses

You may not use our course or website for:

  • Unauthorized copying, distribution, or commercialization of course content
  • Attempting to gain unauthorized access to other students' accounts or course systems
  • Sharing login credentials or providing access to unauthorized individuals
  • Using course materials for commercial purposes without written permission

Intellectual Property Rights

All course content, including videos, text, graphics, and educational materials, is the intellectual property of ulmantrogroup.com and protected by copyright laws.

Students are granted a limited, non-exclusive license to access course materials for personal educational use only.

Payment and Fees

Course fees are due in full upon enrollment unless otherwise specified. All prices are in South African Rand and include applicable VAT.

  • Payment can be made via credit card, bank transfer, or approved payment methods
  • Course access is activated upon successful payment verification
  • Additional fees may apply for premium features or extended access periods

Refund Policy

We offer a 30-day satisfaction guarantee. If you are not satisfied with your course experience, you may request a full refund within 30 days of enrollment, provided you have not completed more than 25% of the course content.

Limitation of Liability

ulmantrogroup.com's liability for any claims arising from your use of our course or website is limited to the amount you paid for the course.

We are not liable for any indirect, incidental, or consequential damages, including investment losses.

Indemnification

You agree to indemnify and hold ulmantrogroup.com harmless from any claims, damages, or expenses arising from your violation of these terms or misuse of course materials.

Termination

We reserve the right to terminate your access to the course at any time for violation of these terms, with or without notice.

Upon termination, your right to access course materials will cease immediately.

Governing Law

These terms are governed by the laws of South Africa. Any disputes will be resolved in the courts of South Africa.

Changes to Terms

We may modify these terms at any time. Continued use of our course after modifications constitutes acceptance of the updated terms.

Contact Information

For questions about these terms, please contact us:

ulmantrogroup.com

Northern Parkway & Data Crescent, Ormonde, Johannesburg, 2159, South Africa

legal@ulmantrogroup.com

Last Updated: June 18, 2025

Effective Date: June 18, 2025