By accessing or using www.naspeling.com (hereinafter the “Website”), you accept and agree to be bound by these Terms of Use (hereinafter “Terms”) as well as our Privacy Policy, Refund Policy, and Disclaimer published on the website and included herein for reference.  If you disagree with any part of the terms, do not continue to use the Website.

Please read these Terms of Use carefully before using the Website operated by NASPELING® (hereinafter “us”, “we”, or “our”).  The term “you” refers to and applies to all visitors, users, and others who access or use the Website.

Your access to and use of the Website is conditioned on your acceptance of and compliance with these Terms.  We reserve the right to amend, change, and/or modify these Terms at sole discretion without notice.  By accessing this website, you agree to these terms and it is your responsibility to regularly peruse the website for any updates or changes.  Continued use of the Website after amendments and changes to the Terms, constitutes your acknowledgment and acceptance thereof.  If you do not wish to be bound by these Terms & Conditions, please suspend all activity on the Website.

PRIVACY POLICY

We take great care in respecting your privacy and personal information.  Your use of the Website automatically translates to your acceptance of our Privacy Policy and is therefore explicitly incorporated into our Terms of Use.  Please also review our full Privacy Policy for detailed information here.

REFUND POLICY

Your acknowledgment and acceptance of our Refund Policy are explicitly incorporated into our Terms of Use down below.  You can also review our full Refund Policy for detailed information here.

DISCLAIMER

Your acknowledgment and acceptance of our Disclaimer are explicitly incorporated into our Terms of Use.  Please review our full Disclaimer for detailed information here.

SUGGESTED MINIMUM COURSE ENROLMENT CRITERIA

Our courses are specifically tailored to include and accommodate entry-level learners with limited or basic economic knowledge. To ensure optimal engagement and comprehension of the subject matter of economics, financial markets and related fields, our course content aligns with academic standards typically found in tertiary-level instruction. As such, our courses are best suited for individuals who have achieved a developmental stage of appropriate cognitive capacity and aptitude, enabling them to effectively navigate the demands of economics and related studies.

Consequently, the recommended minimum course entry requirements are as follows:

• Individuals aged 18 years and above.
• Successful completion of the final year/12th grade of secondary level formal education.

EQUAL OPPORTUNITY AND INCLUSION POLICY

Our courses are designed to be fully inclusive and accessible to accommodate learners who are proficient in English as their primary language of instruction.
While our primary mode of education delivery is online, we are committed to providing accessible and inclusive online courses to all learners to the best of our ability. We prioritise equal treatment while taking into consideration the means of technology utilised to deliver our courses. We continuously strive toward the inclusion of individuals with disabilities to the fullest extent possible, while also considering the limitations of our technological capabilities.

Dyslexic Persons:

Our course curriculum follows a sequential module pathway, of which the course content is presented through video format. Each course video is structured through many sequential scenes, where graphic elements / animation is used to enhance understanding and engagement. Written text overlay is included in each scene, supporting the voice narration, through the utilisation of sans-serif fonts, generally considered easier to read for individuals with dyslexia, due to their uniform letter shapes and clear spacing. These fonts are therefore known for their readability and accessibility, particularly for individuals with dyslexia, which may assist in the effective engagement with our course content, achieving the intended learning outcomes. Sans-serif fonts are also utilised in our Quizzes, Surveys and Course Feedback questionnaires.

Audio Impaired Persons:

Audio impaired learners may find value in the fully visual course experience. Our on-screen text overlay in sans-serif font, reinforcing the voice narration, may assist these learners to independently complete the course module video learnings, quizzes and feedback questionnaires/surveys without external support.

Visually Impaired Persons:

As our videos are fully voice-narrated and, depending on the extent or degree of a course participant’s visual impairment level, our courses may be beneficial for visually impaired learners. However, assistance could probably be required in completing of the Quizzes and Surveys / Course feedback questions.

It is crucial to acknowledge that, while we aim for equal inclusion of all prospective course participants, every person’s circumstances and preferences are unique. We therefore strongly encourage prospective participants to view the YouTube videos available on our website, before purchasing our courses. In particular, the video titled ‘Preview Video on What to Expect’ was designed to provide a clear indication of how well our course presentation may align with differing learning styles and abilities.

Should our course delivery and presentation fail to efficiently and effectively meet expectations, then our Refund Policy conditions will apply.

DISPUTE RESOLUTION, MANDATORY ARBITRATION AND GOVERNING LAW

You explicitly waive and relinquish your right to bring about legal claims, petitions, or actions, now or in the future, arising out of or that are related to the Website and our products/services or affiliate partners.  Any disputes arising out of this Agreement shall be governed by the laws of the United Arab Emirates and/or all other countries/regions governing laws pertaining to copyright, our registered trademark, and intellectual property rights.

INTELLECTUAL PROPERTY RIGHTS

This Agreement does not transfer to you any copyright, trademark, or intellectual property owned by NASPELING®.  Unless otherwise stated, www.naspeling.com and/or its licensors own the intellectual property rights published on this Site and materials used on www.naspeling.com, including but not limited to all text, posts, logos, images, marks, graphics, files, services, products, videos, audio, computer code, designs, downloads and all other information (collectively, “Content”).  These are protected by copyright, trademark, intellectual property as well and unfair competition laws with the exception of content from other parties that we are lawfully permitted to use.  You are granted a limited revocable license to print or download purchased PDF format Content from the Website, exclusive of Video material (if and when available)  for your own personal use (supplemental, informational, educational) in a non-commercial and non-transferable manner whilst ensuring there is no breach of any copyright, trademark, and intellectual property rights.

By making use of the Website, you explicitly agree not to copy, duplicate, steal, modify, reproduce, publish, or sell any part of the Content without prior written consent.  You will be held solely liable and responsible for any violations of these Terms.

LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, in no event will the Website, we, employees, shareholders, or anyone working with us be liable to any person for any direct, indirect, incidental, consequential, or any other damages (including and without limitation, damages for lost profits, revenue, goodwill, use of content, impact on business, studies, injuries, etc) resulting from your use of the website, however caused. These limitations of liability apply even if www.naspeling.com has been expressly advised of the potential loss.

By accessing this Website, you explicitly agree that it is done so at your sole risk and that you are solely and entirely responsible for the information provided by you, your actions, and the outcomes thereof as well as all other associations with the site. 

You also explicitly agree that the Website, we, employees, shareholders, or anyone working with us shall not be held liable for any damages or injuries from 1) any errors or submissions on the website, interruption in the operation and use of the Website and/or integrated platforms, Website attacks such as computer viruses, hacking of personal information or any other system failures; 2) loss of income pertaining to the Website; and 3) any use/misuse of the products and services offered on the Website.

By accessing the Website, you understand and accept that we offer no express or implied guarantees/outcomes to you based on the content presented on the Site.

USER CONTENT AND LAWFUL USE OF THE WEBSITE

Content and information uploaded, posted, emailed, or sent to us on the Website or any of our social media platforms, must only be done when you can affirm that you are the owner, or have express permission from the owner of potential intellectual property rights in order to use and distribute it.

You agree that any content or information uploaded, posted, emailed, or sent to us on our Website or any social media platforms, will not, or will not be:

• Illegal, exploitative, or infringe on other people’s rights
• abusive, defamatory, malicious, pornographic, hateful and intimidating
• encouraging conduct that is of a criminal nature and disobeys any law
• used for the purpose of advancing or derogating political, religious, or social viewpoints
• distribute any harmful material such as computer viruses or spyware
• send any unauthorised material that could damage the use of the Website. 

You accept that you will be held fully liable for any damages or harm inflicted onto the Website as a result of a violation of these Terms of Use.

LINKS TO OTHER SITES

From time to time, our Website may contain links to other sites that are not operated by us.  We may serve as an Affiliate partner for some of these third-party websites by offering or promoting their products or services on the Website but do not control these websites.  If you use these links for purchases, we may earn a commission.

Once you click a third-party link, you will be directed to that third party’s site and are no longer bound by our Terms of Use. We strongly advise you to review the Privacy Policy of every site you visit.  Kindly note that our online course delivery facilitation is hosted on the Thinkific Learning Management platform with seamless redirection to and from our website.

Furthermore, the Website will not be held liable or responsible for the content, accuracy, or any other information that is presented by third-party websites.  You accept all risks involved when using these websites or their resources and any transactions that may occur between yourself and the third party websites.  We are in no way liable for any damages as a result of your use of these websites.

USE OF OUR PAID AND FREE PRODUCTS

We may offer free products/resources from time to time for you to download as well as paid products that may include physical or digital products (collectively, “products”) on this Website.  You are granted only a limited, personal, and non-transferable license to use our products.  These products are intended for personal use only and commercial use thereof is prohibited unless written consent is given.  You recognise, accept, and agree that you have no right to modify, share, sell, edit, copy, or exploit our digital content/products.  

TERMINATION

We reserve the right to refuse, restrict, or remove your access to the Website at our sole discretion, when in violation of our Terms of Use and/or in legally enforced circumstances for any substantiated reason with no prior notice.

REFUND POLICY

NASPELING® is committed to ensuring a beneficial and satisfactory learning experience.  Our following Refund Policy outlines the process, conditions, and time frames for an eligible refund with user termination of online access to course material.

–Financial Markets:
One Independent Module / One Video

As the Independent Module on Financial Markets consists of One Module / One Video,  NO REFUNDS are allowed.  Please be sure to watch the Course Preview Video on What to Expect before purchasing.

The Purchase/s of the Independent Module in Financial Markets and/or related products/services on this Website are final and once the Independent Module on Financial Markets has been accessed online, no purchase refunds will be allowed.

–Economic Insight:
Course consisting of Six Modules / Ten Videos.

1. Eligibility for a Full Refund:
   
   We offer a full payment Refund on the course in Economic Insight within the first 15 days after the date of purchase/enrollment, provided online access had only been gained to course material related to Module 1.  Refund eligibility is therefore further based on the condition that Module 2 had not been accessed online whatsoever.  Once online access has been gained to Module 2 (regardless of whether or not it falls within the first 15 days of purchase) NO REFUNDS will be allowed.  In other words, a full refund will ONLY be granted if the refund request falls WITHIN the 15 day period following the purchase/enrollment/registration AND on condition that the student has not already commenced Module 2.
   
   
2. Initiating a Refund Request:

• Should a course participant have successfully completed Module 1 within the first 15 days following the initial date of course enrollment  (and had not yet gained online access to Module 2) and then decided not to proceed with the course, kindly reach out to us at refunds@naspeling.com for a full refund upon which further online access to the course will be terminated.  
• Kindly mention in the email to refunds@naspeling.com your course registration details and should you so wish,  the reason for the refund request.  While the reason is entirely optional, it may significantly contribute to our ongoing pursuit of excellence in the development of our learning content.

3. Refund Process:
   
   Your request for a Refund will be reviewed without delay, upon which we will revert back to you via email.  An eligible refund will be processed and automatically be applied to your original method of payment within 2 -10 business days, depending on the respective payment systems and financial platforms involved.  Should the refund not reflect after this period, kindly contact us at refunds@naspeling.com
   
   
4. Refund Fees and Costs:

    

   NASPELING® does not charge any additional fees or costs in respect of refunds.  However, any potential transaction fees,  charges, or currency conversion amount differences by payment gateways during the purchase or refund process, can not be claimed.
   
   
5. Additional Refund Conditions:

• NO REFUNDS will be allowed on Courses purchased during Promotional Sales Periods, commonly offered at a Discounted Rate.
• NO REFUNDS will be allowed on courses/course material purchased with a discount code.
• NO REFUNDS will be allowed where a Course completion certificate has been issued.
  The above apply irrespective of the 15 day time period since enrollment/registration.  In other words, courses purchased at a discounted rate or where a certificate has already been issued, NO REFUNDS will be considered.

NO WARRANTIES

The content, information, products, and/or services provided and license granted to the sales licensee under this agreement are provided on an “as is” basis, without any warranty of any nature.  The website expressly disclaims any and all warranties, whether express or implied, including, without limitation, any implied warranties of merchantability or fitness for a particular purpose, to the full extent permissible by law.  Specifically, but without limitation, the website disclaims any warranty with respect to any content, information, materials, products, and/or services provided.  The company makes no warranties that the website will operate to meet your requirements or that any content and information presented here will be complete, current, or error-free. 

INDEMNIFICATION

You agree to indemnify the Company and/or its employees, shareholders, or anyone working with us for, and to hold each Indemnified Person / Entity harmless against, any loss, liability, claims, damages, demands, actions, suits, or expenses, and reasonable legal fees (‘Liabilities”), arising in whole or in part, from a)actions or omissions, whether done negligently or otherwise by you or your representatives, b)all your actions and use of the Website, including the purchase of products or services, c)violation of any laws and rules by you, d)violation of the Terms & Conditions of this Website by you or your representatives, e)breach or infringement by you or your representatives of intellectual property rights.  You will be notified of any such claims and the Company has the right to defend itself against these claims and reserves the right to defend any such liabilities or damage at your expense.  

CHANGES AND AMENDMENTS

We reserve the right to modify this Agreement or its policies relating to the Website at any time, effective upon posting an updated version of this Agreement on the Website.  When we do, we will revise the updated date at the top of this page.  Continued use of the Website after any such changes shall constitute your consent to such changes.

SEVERABILITY

If any provision in these Terms of Use should be found invalid, illegal, or unenforceable by a court,  such provision shall be deemed ineffective and be omitted from this Agreement.  The validity, legality, and enforceability of the remaining provisions shall remain in full force and effect and will only be modified to the extent necessary in order to ensure such force and effect to the remaining provisions.

ACCEPTANCE OF THESE TERMS

These Terms & Conditions together with our Privacy Policy and Disclaimer constitute the entire Agreement between you and us relating to this Website.  It supersedes all prior communications, negotiations, or proposals we may have had with you including verbally, in writing, or electronically.  A printed version of the Terms & Conditions, including the Privacy Policy and Disclaimer, shall be admissible in judicial or administrative proceedings with respect to this Website to the same extent and effect as any of our other business contracts and documents kept and maintained in printed form.

You acknowledge that you have read this Agreement and agree to all its terms and conditions. By using the Website you agree to be bound by this Agreement. If you do not agree to abide by the terms of this Agreement, you are not authorised to use or access the Website.  

COMPLAINTS

We are committed to maintaining a high standard of professional and fair business conduct, and strive toward full transparency in all our customer interactions and business dealings. In the unlikely event of the recording of a formal complaint, this will be promptly addressed and handled on an individual basis within 3-5 Business Days after receipt thereof to support@naspeling.com and allowing for business hours between 9am and 5pm (GMT+4).

CONTACT

For any questions or comments, please contact us at support@naspeling.com