Terms of Service

Introduction

These Terms of Service ("Terms") govern your use of Concemunga's website, courses, and services. By accessing our website at concemunga.com or using our services, you agree to be bound by these Terms.

About Concemunga

Concemunga is a UK-based education company specializing in precious metals investment courses. Our registered address is 2 Williams Squares South, Colin IP19 0NS, United Kingdom.

Services Provided

Concemunga provides:

• Precious metals investment education courses
• Market analysis and training materials
• One-on-one mentoring sessions
• Online and in-person learning opportunities
• Educational resources and tools

Course Enrollment and Payments

Enrollment

To enroll in our courses, you must:

• Be at least 18 years old
• Provide accurate registration information
• Accept these Terms and our Privacy Policy
• Pay applicable course fees

Payment Terms

• Course fees are due in full before course commencement
• All prices are in British Pounds (GBP) and include applicable VAT
• Payment plans may be available for premium courses
• We accept major credit cards and bank transfers

Cancellation and Refund Policy

Student Cancellations

• 14 days or more before course start: Full refund minus £50 administration fee
• 7-13 days before course start: 50% refund
• Less than 7 days: No refund, but course credit may be offered
• After course commencement: No refund

Concemunga Cancellations

We reserve the right to cancel courses due to insufficient enrollment or unforeseen circumstances. In such cases, we will provide full refunds or alternative course dates.

Educational Disclaimer

Important: Our courses are for educational purposes only. They do not constitute financial advice. All investment decisions are your responsibility. Past performance does not guarantee future results. Precious metals investments carry inherent risks.

Intellectual Property

All course materials, content, and resources are protected by copyright and remain the property of Concemunga. Students may:

• Use materials for personal educational purposes
• Take notes during courses
• Access materials during and after course completion

Students may not:

• Share, distribute, or reproduce course materials
• Record sessions without written permission
• Use materials for commercial purposes

Code of Conduct

All students must:

• Treat instructors and fellow students with respect
• Arrive punctually for scheduled sessions
• Participate actively in course activities
• Refrain from disruptive behavior
• Maintain confidentiality of other students' information

Course Completion and Certificates

Certificates are awarded upon successful completion of course requirements, including:

• Attendance at all scheduled sessions
• Completion of required assignments
• Passing any required assessments

Limitation of Liability

Concemunga's liability is limited to the fees paid for the specific course. We are not responsible for:

• Investment losses based on course content
• Technical issues beyond our control
• Third-party service interruptions
• Consequential or indirect damages

Privacy and Data Protection

We handle your personal data in accordance with our Privacy Policy and UK data protection laws. By using our services, you consent to data processing as described in our Privacy Policy.

Modifications to Terms

We may update these Terms from time to time. Material changes will be communicated via email or website notice. Continued use of our services after changes constitutes acceptance.

Governing Law

These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of English courts.

Contact Information

For questions about these Terms, contact us:

By enrolling in our courses or using our website, you acknowledge that you have read, understood, and agree to these Terms of Service.