Terms of Service

This website is operated by JCRAM CONSULTING LTD, a private limited company registered in the Republic of Cyprus under company registration number HE414083, with its registered office at 3 Grigori Afxentiou, ABC Business Center, Flat/Office 503, 8010, Paphos, Cyprus.

You can contact us at info@jcram-consulting.com or +357 96 140 169.

By accessing this website or engaging our services you agree to these terms. If you do not agree, please do not use the website or our services.

We provide:

• educational content, courses, workshops and coaching on personal finance topics;
• affiliate, referral and social media marketing services for third-party companies;
• branding and marketing services;
• business consulting for founders launching education businesses, communities and digital products.

All services are provided on a general, informational or business-to-business basis and are not tailored to any individual's financial circumstances.

JCRAM CONSULTING LTD is not a financial services provider, investment firm, broker, portfolio manager or payment institution. We do not:

• provide investment, tax, legal or accounting advice;
• make personal recommendations regarding any financial instrument;
• receive, hold, transmit or manage client funds or assets;
• execute, arrange or transmit orders in financial instruments;
• manage portfolios or operate copy-trading or signal-execution services.

Nothing on this website or in our materials constitutes an offer, solicitation or inducement to buy or sell any financial instrument. You are solely responsible for your own financial decisions and should seek advice from an appropriately authorised professional where required.

We may introduce our audience to third-party companies, including licensed and regulated brokerage firms, e-wallet providers, banking platforms and software providers, and may receive compensation for such introductions under affiliate or referral agreements.

Any introduction is a marketing activity only. We do not act as an agent of any partner, we are not party to any contract you enter into with a partner, and we are not responsible for their products, services, pricing, regulatory status or conduct. You should always review a partner's own terms, risk disclosures and regulatory information before using their services.

Trading and investing in financial instruments involve significant risk, including the risk of losing more than your initial capital in leveraged products. Past performance is not indicative of future results. Our educational content is designed to build knowledge, not to promise or imply any financial outcome.

We make no guarantee of income, profit, business results or academic outcomes from our courses, coaching, community or consulting engagements. Results depend on individual effort, experience, market conditions and factors outside our control.

Consulting and marketing engagements are governed by a separate written agreement, quote or order confirmation, which prevails over these terms in the event of conflict. Fees, scope, deliverables, timelines and payment schedules are set out in that agreement.

All content on this website and in our educational and consulting materials, including text, graphics, logos and course material, is owned by or licensed to JCRAM CONSULTING LTD and is protected by intellectual property laws. You may not copy, reproduce, redistribute, resell or publicly share our materials without our prior written permission.

You agree not to use this website unlawfully, attempt to gain unauthorised access to it, interfere with its operation, or use it to transmit harmful or misleading content.

To the maximum extent permitted by law, JCRAM CONSULTING LTD shall not be liable for any indirect, incidental, special or consequential loss, or for any trading, investment or business losses, loss of profit, loss of data or loss of opportunity arising from your use of this website, our educational content or any third-party service accessed through us. Nothing in these terms excludes liability that cannot be excluded under applicable law.

This website may contain links to third-party websites. We do not control and are not responsible for their content, availability, accuracy or privacy practices.

We may update these terms from time to time. The version published on this page is the version in force, and the date it was last updated is shown above.

These terms are governed by the laws of the Republic of Cyprus. The courts of the Republic of Cyprus shall have exclusive jurisdiction over any dispute arising from them, without affecting any mandatory consumer rights you may have in your country of residence.