Conditions for using this website and joining the academy.

1. Introduction and scope

These Terms of Use ("Terms") govern your access to and use of the website operated under the Psikoaktifpartner Finance Academy name (the "Website") and any educational programs, content, workshops, online sessions or related services described on the Website (together, the "Services").

By visiting the Website, submitting a form, subscribing to updates or participating in the Services, you confirm that you have read, understood and agree to be bound by these Terms, as well as the Privacy Policy and Cookie Policy.

If you are using the Website or Services on behalf of an organisation, you represent that you are authorised to accept these Terms on its behalf.

2. Eligibility and acceptable use

The Website is intended for adults who are able to enter into binding agreements under applicable law. By using the Website or the Services, you confirm that you meet this requirement.

When using the Website or Services, you agree that you will not:

• Use the Website in any way that violates applicable laws or regulations.
• Attempt to gain unauthorised access to any systems, accounts, networks or data connected to the Website.
• Interfere with or disrupt the proper functioning of the Website, for example by introducing malicious code.
• Use the Website to send unsolicited promotional messages or to harvest personal data from other users.
• Misrepresent your identity, your role in an organisation or your affiliation with Psikoaktifpartner Finance Academy.

We reserve the right to restrict or terminate access to the Website or Services if we reasonably believe that these Terms have been breached.

3. Educational nature – no professional advice

The Website and Services are designed for educational purposes. They provide frameworks, examples and exercises intended to help you understand financial patterns and decisions in your own context.

Nothing provided via the Website or Services should be interpreted as personalised investment, accounting, tax or legal advice. The information is general in nature and may not be suitable for your specific circumstances.

You remain solely responsible for any decisions you make. You should always seek advice from qualified professionals before taking decisions that may affect your business, employees, shareholders or personal finances.

4. Program participation and changes

Descriptions of cohorts, executive circles, leadership team formats or other programs on the Website are intended to give a clear orientation, but specific details such as dates, schedules, group size and content focus may be adjusted over time.

Your participation in a particular program will usually be governed by a separate confirmation, proposal or agreement that sets out relevant practical details (for example, duration, schedule, fees and payment terms). In case of conflict between these Terms and a specific written agreement for a program, the written agreement will take precedence for that program.

We reserve the right to modify or discontinue certain elements of the Services, including the Website content, program structure or availability of cohorts, provided that this does not undermine obligations in any confirmed agreements.

5. Fees, invoicing and cancellations

Where fees apply to a program or Service, they will be communicated clearly in proposals, offers or programme descriptions. Unless otherwise stated, fees are quoted exclusive of any applicable taxes, which may be added according to relevant regulations.

Payment terms, including due dates, methods of payment and any staged invoicing, will normally be set out in the agreement or confirmation for the specific program. You agree to pay fees in line with those arrangements.

Cancellation or rescheduling policies may differ between formats (for example, open cohorts versus organisation-specific programs). These policies will be communicated as part of the program information. In general, we aim to handle unforeseen circumstances in a way that is fair to participants and to the academy.

6. Intellectual property and permitted use of materials

Unless indicated otherwise, all content on the Website and in the Services – including text, graphics, diagrams, learning modules, videos, worksheets and logos – is owned or validly licensed by Psikoaktifpartner Finance Academy and is protected by intellectual property laws.

Subject to these Terms, you may:

• View the Website and its content for your own information and learning.
• Download or print program materials where explicitly made available for participants, solely for your personal or internal organisational use.

You may not, without prior written permission:

• Copy, reproduce, modify, distribute or publicly display substantial portions of the content for any commercial purpose outside your own organisation.
• Share program materials in a way that enables non-participants to access them as if they were enrolled.
• Remove copyright notices, trademarks or attribution from any materials.

If you would like to use materials more widely in your organisation, please contact us to discuss appropriate arrangements.

7. Confidentiality and participant conduct

Many programs involve discussion of real situations, sometimes using anonymised or simplified numbers. Respecting confidentiality is essential for a useful learning environment.

By participating in sessions, you agree to:

• Treat examples, stories and numbers shared by other participants as confidential, unless they clearly state that the information is public.
• Refrain from recording, copying or distributing sessions or materials beyond what is allowed by the academy.
• Engage respectfully with facilitators and other participants, even when views differ.

We reserve the right to remove participants from a program if their behaviour seriously disrupts the learning environment or breaches confidentiality commitments.

8. Personal data and privacy

The way we collect, use and protect personal data is described in the Privacy Policy, which forms part of these Terms. The Cookie Policy provides additional detail about the use of cookies and similar technologies.

By using the Website or Services, you acknowledge that your personal data will be processed as described in those policies. Where consent is required for certain types of processing, you will be given a clear opportunity to provide or withhold it.

9. Disclaimers and limitation of liability

While we aim to provide carefully designed educational content, the Website and Services are provided "as is" and "as available". We do not guarantee that they will be free from errors, interruptions or inaccuracies, or that they will always meet your expectations.

To the fullest extent permitted by law, Psikoaktifpartner Finance Academy and its facilitators, staff or partners will not be liable for any indirect, incidental, special or consequential loss arising out of or in connection with your use of the Website or Services, including loss of profit, revenue, contracts, data or goodwill.

Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation would be unlawful, for example in relation to certain rights under applicable consumer protection rules.

10. Links to other websites and resources

The Website may contain links to external websites or resources that are not operated or controlled by Psikoaktifpartner Finance Academy. These links are provided for convenience or context only.

We do not endorse and are not responsible for the content, policies or practices of third-party websites. If you follow a link to an external site, you do so at your own responsibility and should review the applicable terms and policies of that site.

11. Changes to these Terms and governing law

We may update these Terms from time to time, for example to reflect changes in the Services, in applicable regulations or in our internal practices. When we make meaningful changes, we will update the date below and may provide additional notice on the Website.

Your continued use of the Website or Services after an update means that you accept the revised Terms. If you do not agree with changes, you should stop using the Website and Services.

Unless otherwise required by local mandatory rules, these Terms and any dispute arising out of or connected with them will be governed by the laws of Italy. The parties will seek to resolve concerns in good faith before considering formal proceedings.

Last updated: 2025 (please review this page periodically for the most recent version).