Terms & Conditions

To engage with the services offered by Educay Limited, you must be at least 18 years old. The individual who creates an account with Educay Limited and whose payment method is charged will be referred to as the “Account Owner”.

Educay Limited retains the right to modify, add, or remove portions of these Terms and Conditions at any time. By continuing to use the site after such changes, you agree to accept them, relinquishing any right to individualised notice of such alterations.

By accessing the site, whether as a visitor or a registered user, you are bound by these Terms as if you had signed a physical agreement. Additional terms and conditions may apply to specific content and activities you agree to abide by. You are responsible for ensuring that anyone accessing the site through your internet connection is aware of and compliant with these Terms.

Furthermore, Educay Limited reserves the right to restrict access to certain parts of the site or the entire site to registered users only. In such cases, additional terms and conditions will apply to registered users, which they will be prompted to accept during registration.

Lahavim, its officers, and employees may, within legal bounds, have a position or interest in the instruments covered directly or indirectly by their reports. This disclosure ensures transparency and adherence to ethical standards in our service offerings.

Definitions

• “Cookie” is a small piece of data stored by a website on your device, enabling it to remember your actions or preferences. This technology enhances user experience by customising website interactions based on past behaviour or preferences.
• “Company” refers to Educay Limited with its registered address at 165-167 The Broadway Wimbledon, London SW19 1NE, registration number: 15678213. Educay Limited is committed to maintaining the highest service standards and compliance with relevant regulations as the entity responsible for the services provided on this platform.
• “Country” denotes the United Kingdom, where Educay Limited is based. This geographical context is pertinent to legal jurisdiction, governing laws, and regulatory compliance.
• “Device” includes any internet-connected device capable of accessing Educay Limited’s services. This broad definition encompasses a wide range of devices, including but not limited to smartphones, tablets, laptops, and desktop computers.
• “Service” encompasses the services provided by Educay Limited as described in relevant terms and on its platform. This includes all educational content, tools, and resources offered to users through Educay Limited’s website (https://lahavim.com).
• “Third-party service” includes advertisers, contest sponsors, and others who provide content or services through Educay Limited’s platform. While these services may enhance the user experience, users should exercise caution and discretion when engaging with them, as they are not directly controlled or endorsed by Educay Limited.
• “You” refers to an individual or entity registered with Educay Limited to use its services. This inclusive term covers all users, regardless of their specific role or level of engagement with Educay Limited’s platform (https://lahavim.com).

Governing Law

The laws of the United Kingdom govern these Terms and Conditions, and any disputes are subject to the exclusive jurisdiction of its courts. This legal framework provides clarity and consistency in interpreting and enforcing the provisions outlined in these Terms and Conditions.

Your use of Educay Limited’s website (https://lahavim.com) implies acceptance of these Terms and Conditions. If you disagree with it, refrain from using our services. Continued use following changes to these Terms indicates acceptance of those changes, provided they don’t significantly affect the use or disclosure of your personal information. This approach ensures transparency and user consent regarding the handling of personal data.

Investment Warnings

Please note the following investment warnings:

1. The value of investments can fluctuate; this inherent volatility is a fundamental characteristic of financial markets and should be carefully considered by investors.
2. Speculating on derivatives carries risks, including potential losses exceeding deposits. Leveraged trading amplifies both gains and losses, necessitating prudent risk management strategies.
3. Investors may not recoup their initial investment, facing substantial losses. Market conditions, economic factors, and unforeseen events can all contribute to investment losses, highlighting the importance of diversification and risk mitigation strategies.
4. Past performance does not guarantee future results. Historical performance data provides valuable insights but should not be relied upon as a sole indicator of future investment outcomes.
5. Some instruments, like derivatives, pose high risks due to their sensitivity to underlying assets. Complex financial products require a thorough understanding and careful consideration of associated risks before trading.
6. Market conditions can affect certain instruments’ price discovery and liquidity. Illiquid markets and volatile price movements can impact the ability to execute trades and accurately assess asset values, posing challenges for investors and traders alike.

Fulfilment Policy

Lahavim prioritises customer satisfaction. This Fulfilment Policy outlines our delivery procedures and refund rules for purchased services. We are committed to delivering high-quality educational content and providing a seamless user experience for our customers.

Delivery

We deliver online courses via email immediately after purchase. This prompt delivery mechanism ensures that users can access their purchased courses without delay, enabling them to commence their learning journey promptly.

Please note: All courses are paid for with a one-time payment. No recurring charges apply to course access.

Cancellation

Refund requests must be sent to help.desk@lahavim.com and will be reimbursed via the original payment method. Our Refund Policy reflects our commitment to fairness and transparency in addressing user concerns.

Upon cancellation, access to the site is terminated. This measure ensures compliance with our Terms and Conditions and prevents unauthorised access to Educay Limited’s educational content.

Customer Complaints

To voice dissatisfaction or provide feedback, register a complaint via email, phone, or mail to Lahavim. Complaints will be investigated within 7 business days, with responses delivered via email or certified mail. Extensions may apply in special circumstances. We are committed to addressing user concerns promptly and transparently, ensuring a positive experience for all users.

Applications

Third-party applications interacting with Lahavim’s service are provided for convenience but are not endorsed by Lahavim. Their use is optional and at your own risk. Users should exercise caution and discretion when engaging with third-party applications, as they are not directly controlled or monitored by Lahavim. This disclaimer highlights our commitment to transparency and user empowerment, enabling users to make informed decisions about their interactions with external applications.

Third-party Materials

Lahavim understands the importance of providing its users with diverse information, content, products, and services. Lahavim may offer access or links to third-party materials on its website as part of this commitment. These third-party materials, which encompass a wide array of resources, are provided as a service to users who may find them beneficial or informative.

It’s important to note that Lahavim does not exert control over these third-party materials. While Lahavim strives to maintain the quality and reliability of the content available through these links, it does not screen, approve, or monitor them continuously. Therefore, Lahavim cannot be held responsible or liable for third-party materials’ accuracy, relevance, or reliability.

Users should exercise caution when accessing and using third-party materials, as Lahavim does not endorse or adopt them. Lahavim cannot guarantee these materials’ quality, accuracy, completeness, reliability, safety, timeliness, or appropriateness. By accessing third-party materials, users acknowledge that they do so at their own risk and discretion.

Acceptable Use Of The Site

At Lahavim, maintaining a positive and respectful online environment is paramount. Therefore, Lahavim expects all users to adhere to certain standards of conduct when using its website. While providing an exhaustive list of acceptable and unacceptable behaviours is impossible, Lahavim outlines general guidelines to promote responsible site usage.

Users are prohibited from engaging in any activity that could damage Lahavim’s reputation, disrupt site availability, or harm Lahavim or its users in any way. This includes but is not limited to:

• Misuse of the site in a manner that compromises its operation, quality, or integrity.
• Harvesting or collecting information about others without their consent.
• Using the site for commercial purposes, including direct marketing, surveys, or pyramid schemes.
• Distributing harmful or malicious content such as viruses, trojan horses, or worms.
• Engaging in harassment, impersonation, or stalking of others.
• Attempting to disrupt site functionality through denial-of-service attacks.
• Violating the terms and conditions of internet service providers used to access the site.

Any site use that contravenes these guidelines constitutes misuse and may result in suspension or termination of user privileges. Lahavim reserves the right to take appropriate action, including reporting misuse to relevant authorities, to protect the integrity of its platform.

Advertising

Certain sections of Lahavim’s website may contain advertisements and sponsored content. Advertisers and sponsors are responsible for ensuring that their materials comply with applicable laws and regulations. While Lahavim endeavours to vet advertising materials for accuracy and relevance, it cannot guarantee their correctness or reliability.

Users should exercise caution when interacting with advertisements and sponsored content on Lahavim’s site. Lahavim disclaims any liability for errors or inaccuracies in advertising materials. Users access such content at their discretion and assume all associated risks.

Limitation Of Liability

Lahavim strives to provide users with a seamless and reliable online experience. However, it’s essential to recognize that certain limitations apply to Lahavim’s liability for issues arising from site usage.

Users acknowledge and accept that Lahavim shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from:

• The use or inability to use the site.
• Reliance on on-site materials or third-party content.
• Unauthorised access to user data.
• Statements or conduct of third parties on the site.
• Any other matter related to site usage.

This limitation of liability applies to the fullest extent permitted by applicable law. Users agree that Lahavim’s aggregate liability arising from site usage is limited to any compensation paid directly to Lahavim for its services.

While Lahavim endeavours to provide accurate and reliable information, it cannot guarantee continuous availability or uninterrupted site use. Users access Lahavim’s services at their own risk and discretion. Lahavim disclaims any warranties, express or implied, regarding site availability, reliability, or suitability for any particular purpose.

Intellectual Property

Lahavim values intellectual property rights and respects the creative endeavours of content creators. The website and its contents, including text, images, audio, and software, are protected by copyright, trademark, and other intellectual property laws.

Users may not copy, modify, reproduce, distribute, or display any site materials without prior written permission from Lahavim or its licensors. Any unauthorised use of Lahavim’s intellectual property is strictly prohibited and may result in legal action.

Cookies

Cookies are vital in enhancing the user experience on Lahavim’s website. These small pieces of data enable the site to remember user preferences and provide personalised content. Cookies help store information such as login credentials and site preferences, providing a seamless browsing experience.

Users can manage cookie preferences through their web browser settings. While cookies enhance site functionality, users can disable them if desired. However, disabling cookies may impact certain features and functionality of the site. Explore more about cookies in our Cookie Policy.

Disclaimers Of Warranties

Lahavim strives to provide accurate and reliable information to its users. However, it cannot guarantee the site’s continuous availability or uninterrupted use. Users acknowledge and accept that Lahavim’s services are provided on an “as is” basis, without warranties of any kind, express or implied.

Lahavim disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
• Warranties regarding the correctness, accuracy, completeness, reliability, or timeliness of site materials or third-party content.
• Warranties regarding the absence of viruses or other harmful components on the site.

Users access Lahavim’s services at their own risk. Lahavim does not warrant site materials’ accuracy, reliability, or suitability for any specific purpose. Users are solely responsible for validating the integrity of information obtained through the site.

Additional Terms

These Terms constitute the entire agreement between users and Lahavim regarding site usage. If any provision of these Terms is deemed unlawful, void, or unenforceable, it shall be severed from the agreement without affecting the validity of the remaining provisions.

Users agree not to assign or transfer their rights and obligations under these Terms without Lahavim’s written consent. Lahavim reserves the right to assign or transfer its rights and obligations under these Terms as necessary.

Termination

Lahavim reserves the right to terminate or suspend user accounts without notice, with or without cause. Account termination may occur in cases of:

• Violation of Terms and Conditions.
• Unacceptable conduct.
• Non-payment for services.
• Unauthorised access or use.
• Breach of confidentiality.
• Inactive accounts.
• Legal non-compliance.
• Repeat offences.
• Discretionary termination.

Users will lose access to Lahavim’s services and associated data upon account termination. Lahavim will notify users via email or other communication channels regarding account termination.

Links

Lahavim’s website may include links to third-party websites for users’ convenience. While Lahavim strives to provide valuable resources, it does not endorse or control the content of linked third-party sites. Users access these links at their own risk and discretion.

Lahavim disclaims any responsibility for content accuracy, reliability, or legality on third-party websites. Users should review the terms and conditions of linked sites before engaging with them. Lahavim shall not be liable for any damages or losses from interactions with linked third-party sites.

Privacy

Protecting user privacy is Lahavim’s top priority. The collection and processing of personal data are governed by Lahavim’s Privacy Policy, which users should review to understand how their information is handled. Lahavim is committed to safeguarding user data and complying with applicable privacy laws.

By accessing Lahavim’s website, users consent to collecting, processing, and storing their personal data as outlined in the Privacy Policy. Lahavim takes measures to ensure the security and confidentiality of user information but cannot guarantee absolute protection against unauthorised access or interception.

Users should be aware that electronic communications over the internet may be subject to interception by third parties. Lahavim advises users to exercise caution when transmitting sensitive information online and acknowledges that users are responsible for their communications’ lawfulness, truthfulness, and accuracy.

No Investment Recommendations Or Advice

Lahavim’s website is an educational platform and data portal for financial information. It does not constitute a broker/dealer or offer investment advice. Users should refrain from making investment decisions based solely on information obtained from Lahavim’s website.

The investment information provided on Lahavim’s website is intended for general informational purposes only. It is not personalised investment advice and should not be relied upon for investment decisions. Users should seek independent financial advice before making any investment decisions.

Lahavim disclaims any responsibility for the accuracy, completeness, or suitability of investment information provided on its website. Users acknowledge that they bear all risks associated with investment decisions based on information from Lahavim’s website.

Contacts

For any inquiries or assistance, users can contact Lahavim through the following channels:

• Phone: +447414109905
• Email: help.desk@lahavim.com
• Online Contact Form: https://lahavim.com/contacts/

Lahavim’s customer support team is dedicated to assisting users with their queries and ensuring a positive experience on the platform. Users are encouraged to reach out for prompt and helpful assistance.