Welcome to Youatox. These terms govern your use of our website and educational services related to investment awareness. By accessing youatox.info or using our services, you're agreeing to these terms.
We've written this in plain language because legal documents shouldn't need a decoder ring. If something's unclear, reach out to us at [email protected].
Acceptance and Scope
When you use our website or sign up for our educational programs, you're entering into an agreement with Youatox, located at Loricas, Carrowkeale, Co. Tipperary, V94 A8R5, Ireland. This applies whether you're browsing our resources, attending workshops, or participating in our investment awareness programs.
These terms apply to everyone who interacts with our platform. That includes casual visitors, registered users, course participants, and business clients. If you're representing a company, you confirm you have authority to bind that organization to these terms.
We update these terms occasionally to reflect changes in our services or legal requirements. The date at the top shows when we last made changes. Continued use after updates means you accept the revised terms.
Educational Services and Content
Our content focuses on investment awareness and financial education. Everything we provide is for educational purposes. We don't offer specific investment advice, and we're not recommending particular financial products or strategies for your personal situation.
What We Provide
Our educational materials include articles, guides, workshops, and courses designed to help people understand investment concepts. We aim to make financial topics accessible, but learning takes effort on your part too.
Content accuracy matters to us. We check our facts and update information regularly. That said, financial markets change rapidly, and information that's current today might need revision tomorrow.
You're welcome to use our educational materials for personal learning. Sharing small excerpts with proper attribution is fine. What's not okay is copying our content wholesale, redistributing it commercially, or claiming it as your own work.
User Accounts and Registration
Some of our services require creating an account. When you register, you need to provide accurate information. Use your real name and a valid email address. Fake accounts create problems for everyone.
- Keep your login credentials secure and don't share your account with others
- You're responsible for all activity that happens under your account
- Let us know immediately if you suspect unauthorized access
- One person, one account unless you've arranged otherwise with us
- Don't create accounts using automated systems or false information
We can suspend or terminate accounts that violate these terms or engage in disruptive behavior. If that happens, we'll usually tell you why, though we reserve the right to act quickly in serious situations.
User Conduct and Prohibited Activities
We've built this platform to support learning and professional development. Most people use it respectfully, but we need to be clear about what's not acceptable.
Important
Don't use our services to harm others, break laws, or disrupt the learning environment. This includes harassment, spreading misinformation, or attempting to access systems without authorization.
Specifically, you agree not to:
- Post content that's defamatory, threatening, or violates someone else's rights
- Attempt to breach our security measures or reverse engineer our platform
- Use automated systems to scrape content or create artificial traffic
- Impersonate others or misrepresent your affiliation with any person or organization
- Upload malicious code, viruses, or anything designed to damage systems
- Interfere with other users' ability to access or enjoy our services
If you spot someone violating these rules, let us know. We can't monitor everything in real-time, so community reporting helps maintain quality.
Payment Terms and Refunds
Some of our educational programs require payment. Prices are listed in euros and include applicable Irish VAT. Payment is due when you register unless we've arranged different terms with you.
Program Fees and Billing
We accept payment through secure processors. Your payment information goes directly to them—we don't store complete card details on our servers. You'll receive a receipt via email after each transaction.
Program fees are set at the time of registration. If we change pricing, it won't affect programs you've already enrolled in. We do occasionally offer promotions, but we can't apply retroactive discounts to completed purchases.
Our refund policy varies by program type. For workshops scheduled more than 30 days out, you can cancel with full refund up to 14 days before the start date. After that window, we offer credit toward future programs instead. For self-paced online courses, you have 7 days from purchase to request a refund if you haven't accessed more than the introductory materials.
Business training contracts have separate terms outlined in your agreement. Contact us directly if you need to discuss payment arrangements or have billing questions.
Intellectual Property Rights
We've invested significant effort in creating our educational materials. The content, design, software, and other materials on youatox.info are protected by copyright, trademark, and other intellectual property laws.
Youatox owns or licenses all content on this platform. That includes text, graphics, logos, videos, software, and the compilation of all this material. Our name and logo are trademarks—please don't use them without written permission.
When you participate in our programs, you're granted a limited license to access and use the materials for personal educational purposes. You can download resources for your own reference and take notes during courses. What you can't do is redistribute materials, create derivative works, or use content for commercial purposes without explicit permission.
User-Generated Content
If you post comments, share in discussion forums, or submit content to our platform, you retain ownership of your work. However, you grant us a license to use, display, and distribute that content as part of our services.
We might showcase student success stories or use forum discussions as teaching examples. We'll usually ask first, but by posting publicly on our platform, you're giving us permission to use that content in these educational contexts.
Disclaimers and Limitations
Here's where we need to be particularly clear about what we do and don't guarantee. Our educational services are provided "as is" without warranties of any kind, whether express or implied.
Investment Education Notice
Our programs teach investment concepts and awareness. We don't provide personalized investment advice, recommend specific securities, or guarantee any financial outcomes. Investment decisions remain your responsibility, and you should consult qualified financial advisors for personal guidance.
We work to keep our platform running smoothly, but we can't guarantee uninterrupted access. Technical issues happen. Scheduled maintenance is necessary. Sometimes things break unexpectedly. We'll fix problems as quickly as we can, but we're not liable for losses resulting from service interruptions.
The information we provide reflects our understanding of investment concepts as of the publication date. Financial markets, regulations, and best practices evolve. While we strive for accuracy, we don't warrant that our content is always complete, current, or error-free.
To the fullest extent permitted by Irish law, Youatox and its directors, employees, and partners aren't liable for indirect, incidental, special, or consequential damages arising from your use of our services. This includes lost profits, data loss, or business interruption.
Our total liability for any claims related to our services is limited to the amount you paid us in the twelve months before the issue arose. If you haven't paid us anything, our liability is limited to €100.
Privacy and Data Protection
We collect and process personal information in accordance with GDPR and Irish data protection laws. Our separate Privacy Policy explains what data we gather, how we use it, and your rights regarding your information.
When you register or use our services, you're consenting to our data practices as described in that policy. We take data security seriously and implement appropriate technical and organizational measures to protect your information.
You have rights regarding your personal data, including access, correction, deletion, and portability. If you want to exercise these rights or have privacy concerns, contact us at [email protected].
Third-Party Links and Services
Our website occasionally links to external resources, tools, or partner sites that might be useful for your learning. These links are provided for convenience, but we don't control those external sites or endorse their content.
When you click a link leading off our platform, different terms and privacy policies apply. We're not responsible for the content, accuracy, or practices of third-party websites. Use them at your own discretion.
Some of our services integrate with third-party tools for payment processing, video hosting, or communication. These integrations are covered by the third party's terms, and you might need to accept their terms separately.
Termination and Suspension
You can stop using our services anytime. If you want to close your account, contact us and we'll process your request. Some information might remain in backups or as required by law, but we'll deactivate your account promptly.
We reserve the right to suspend or terminate access to users who violate these terms, engage in fraudulent activity, or disrupt our services. We'll usually provide notice and an opportunity to address issues, but serious violations might result in immediate termination.
If we terminate your account for cause, you're not entitled to refunds for unused services. If you've violated intellectual property rights or caused us legal trouble, termination doesn't eliminate your obligations or our right to pursue remedies.
Dispute Resolution and Governing Law
These terms are governed by the laws of Ireland. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the Irish courts.
If you have a complaint or dispute, please contact us first. Most issues can be resolved through direct communication. We're committed to addressing concerns fairly and finding reasonable solutions.
For formal disputes, we prefer to attempt mediation before pursuing litigation. This often results in faster, less expensive resolution that works better for everyone involved.
General Provisions
If any provision of these terms is found unenforceable, the rest remains in effect. We'll replace the unenforceable part with something similar that is enforceable.
Our failure to enforce any right or provision doesn't constitute a waiver of that right. We might choose not to act on a particular violation, but that doesn't prevent us from acting on future violations.
These terms, along with our Privacy Policy and any program-specific agreements you've entered, constitute the entire agreement between you and Youatox regarding our services. They supersede any prior agreements or understandings.
We can't transfer our rights and obligations under these terms without your consent. You can't transfer your rights to someone else without our written permission.
