Terms and Conditions
1. Introduction
These Terms and Conditions ("Terms") govern the use of the GBR Group - FZCO ("GBR") website and services. By accessing the website or purchasing any service, you agree to be bound by these Terms. GBR GROUP - FZCO maintains the www.gbr.pt website ("Site").
1.1. Customer using the website who are Minor/under the age of 18 shall not register as a User of the website and shall not transact on or use the website.
1.2. We will not trade with or provide any services to OFAC and sanctioned countries.
2. Services Provided
GBR offers an online personal finance course, teaching participants how to control spending and start investing. The course does not provide any specific investment advice. In addition to the course, GBR members gain access to:
Weekly online calls
Monthly community dinners
A supportive community to help members begin their investment journey
Special events with guest speakers covering topics such as personal finance, marketing, and personal development
3. User Accounts
To access GBR’s services, users must create an account. Users are responsible for maintaining the confidentiality of their account credentials and agree to notify GBR immediately of any unauthorized use. GBR is not liable for any losses caused by unauthorized use of your account.
4. Payment Terms
Payments for the course and other services are made via credit or debit card, processed through third-party payment processors Telr and MamoPay. Membership to GBR is subscription-based, and access to the online course is provided only as long as subscription payments are up-to-date. Non-payment results in the suspension of course access until payments are resumed.
4.1. Visa or MasterCard debit and credit cards in AED will be accepted for payment.
4.2. The displayed price and currency at the checkout page will be the same price and currency printed on the transaction receipt, and the amount charged to the card will be shown in your card currency.
4.3. Cardholders must retain a copy of transaction records and GBR’s policies and rules.
5. Refund Policy
Users are entitled to request a refund within 15 days from the purchase date. After this period, no refunds will be provided. To be eligible for a refund, the user must not have accessed the course beyond the first module or attended any live events. Refund requests should be sent to [email protected] and will be processed within 7 business days.
6. Course Access and Use
Access to the course is granted on a monthly subscription basis. The course content is not available for download and is to be accessed online only. Users may not share their login details with third parties or distribute course materials in any form.
7. Intellectual Property
All content, including but not limited to course material, videos, and event recordings, is the intellectual property of GBR. Unauthorized reproduction or distribution of this content is strictly prohibited.
8. Limitation of Liability
GBR is not responsible for any damages, losses, or issues arising from the use of the website or services, except in cases of gross negligence or willful misconduct. Users agree to use GBR's services at their own risk.
9. Governing Law
These Terms are governed by the laws of Dubai, UAE. Any disputes arising from the use of GBR’s services or website will be subject to the exclusive jurisdiction of the Dubai courts.
10. Modifications to Terms
GBR reserves the right to modify these Terms at any time. Users will be notified of any significant changes through the website or email. Continued use of the website or services after such changes constitutes acceptance of the modified Terms.