Terms and Conditions

In these Terms and Conditions:

"Access" means the activation, sending or provision of any login details, recordings, course materials, notes, tools, links, communities, live sessions or other programme benefits.

"Client", "student", "participant", "you" or "your" means the person who purchases, accesses, receives or participates in a programme or service supplied by The Traders Hideout.

"Digital content" includes recordings, videos, notes, presentations, documents, strategies, templates, indicators, Expert Advisors, chart setups, tools, resources, messages and other electronically supplied educational material.

"Intellectual property" includes all proprietary course content, educational methodologies, strategies, systems, recordings, notes, templates, indicators, Expert Advisors, chart setups, presentations, branding, graphics and other protected material belonging to The Traders Hideout or its licensors.

"Live sessions" include Zoom sessions, revision sessions, educational trading sessions, market-preparation sessions, question-and-answer sessions, coaching calls, bootcamps and other scheduled online training.

"Programme" means any course, bootcamp, educational package, membership, coaching programme or other educational service purchased from The Traders Hideout.

"The Traders Hideout", "we", "us" or "our" means the legal entity operating under The Traders Hideout trading name, as identified in the Business and Contact Details section at the end of these Terms.

2.1 These Terms and Conditions apply to:

• The Traders Hideout website;
• Educational courses and programmes;
• Bootcamps and workshops;
• Previous and future training recordings;
• Course notes and educational resources;
• Indicators, Expert Advisors, templates and chart setups;
• Learning platforms and members' areas;
• Telegram, WhatsApp and other private communities;
• Live Zoom training and revision sessions;
• Coaching and educational support;
• Technical onboarding and platform assistance;
• Monthly memberships and recurring services; and
• Any other product or service supplied under The Traders Hideout name.

2.2 The specific programme, price, payment terms, duration and included benefits will be described in the applicable invoice, programme description, sales communication or enrolment correspondence.

2.3 The following documents collectively form the agreement between you and The Traders Hideout:

• These Terms and Conditions;
• The invoice;
• The applicable programme description;
• The Disclaimer;
• The Privacy Policy; and
• Any additional written terms specifically applicable to the programme.

2.4 If a programme-specific written condition conflicts with a general provision in these Terms, the programme-specific written condition will apply to that programme, provided that it is lawful and was disclosed before payment.

2.5 No verbal statement, sales discussion, webinar comment or informal message changes these Terms unless the change is confirmed in writing by an authorised representative of The Traders Hideout.

3.1 A link to these Terms and Conditions will be included on or with the invoice supplied before payment.

3.2 By paying the invoice, you confirm that:

• You received the invoice and access to these Terms before payment;
• You had an opportunity to review them;
• You accept these Terms;
• You request immediate commencement of the programme; and
• You understand the effect of the Cancellation and No-Refund Policy.

3.3 Payment constitutes electronic acceptance of these Terms, whether payment is made by electronic funds transfer, card, payment link, debit order or another accepted method.

3.4 If you do not accept these Terms, you must not pay the invoice.

3.5 The Traders Hideout may retain:

• The invoice;
• Proof that the applicable link was supplied;
• Payment records;
• Email or message correspondence;
• The policy version in force on the payment date; and
• Access activation records,

as evidence of the agreement.

4.1 You must be at least 18 years old and legally capable of entering into a binding agreement.

4.2 You must provide accurate information when enrolling, including your:

• Full name;
• Email address;
• Telephone number; and
• Any information reasonably required to activate your access.

4.3 You are responsible for ensuring that your email address and contact details are correct.

4.4 Where one person pays for another person's enrolment, the payer confirms that:

• They are authorised to make the payment;
• The participant has been informed of these Terms; and
• The participant agrees to comply with these Terms.

4.5 Programme access is personal and may not be transferred to another person without our prior written permission.

5.1 The Traders Hideout provides general trading and financial-market education.

5.2 Depending on the programme purchased, the programme may include:

• Pre-recorded educational modules;
• Previous bootcamp and training recordings;
• Course notes and written educational resources;
• Trading systems, strategies and educational frameworks;
• Indicators, Expert Advisors, templates and chart setups;
• Access to a members' learning platform;
• Telegram, WhatsApp or other private community access;
• Live Zoom training and revision sessions;
• Market-preparation and educational trading sessions;
• Group question-and-answer support;
• Technical onboarding;
• Platform-navigation assistance;
• General educational support; and
• Coaching where expressly included or arranged separately.

5.3 The programme is sold as a bundled educational service.

5.4 The enrolment fee is charged for the overall right to access the programme, its intellectual property, digital resources and associated services.

5.5 The enrolment fee is not calculated according to:

• The number of times you log in;
• The number of recordings you view;
• The number of notes or resources you download;
• The number of live sessions you attend;
• The number of questions you ask;
• The amount of support you personally use; or
• The extent to which you implement the educational material.

5.6 A decision not to use, view, attend or complete the available programme does not mean that the programme was not supplied.

5.7 The exact benefits included in your enrolment are those described in the applicable invoice, programme page or written enrolment communication.

5.8 Benefits not expressly included are not automatically part of the programme.

6.1 All content, sessions, recordings, tools, discussions, examples and communications supplied by The Traders Hideout are provided for general educational and informational purposes.

6.2 Nothing supplied by The Traders Hideout constitutes:

• Personal financial advice;
• Personal investment advice;
• Portfolio management;
• Discretionary trading;
• Copy trading;
• Tax advice;
• Legal advice;
• A personal recommendation;
• An instruction to enter or exit a transaction;
• An offer to buy or sell a financial product; or
• A guarantee of profitability.

6.3 The educational material is not prepared after considering your:

• Financial position;
• Income;
• Debt;
• Investment objectives;
• Trading experience;
• Risk tolerance;
• Personal circumstances; or
• Tax position.

6.4 You remain solely responsible for determining whether trading or investing is appropriate for you.

6.5 You should seek independent professional advice where you require advice specific to your circumstances.

6.6 General discussions about markets, instruments, entries, exits, stop losses, targets, position sizing or strategies remain educational examples and are not personal instructions.

6.7 The Traders Hideout's separate Disclaimer forms part of these Terms.

7.1 Trading and investing involve financial risk.

7.2 Leveraged products, including Contracts for Difference, can result in rapid and substantial losses.

7.3 You may lose some or all of the capital deposited into a trading account.

7.4 You must not trade with money that you cannot afford to lose.

7.5 Past, simulated, hypothetical or back-tested performance does not guarantee future results.

7.6 You are solely responsible for:

• Your decision to trade;
• Your trading account;
• The broker you select;
• Orders placed in your account;
• Your position size;
• The leverage you use;
• Stop losses and risk management;
• Your deposits and withdrawals;
• Your trading profits and losses;
• Your compliance with broker terms; and
• The tax consequences of your activities.

7.7 The Traders Hideout does not control your broker account and is not responsible for trades placed by you or any person with access to your account.

7.8 No educator, employee, representative or contractor of The Traders Hideout may guarantee:

• Profits;
• A particular income;
• A particular success rate;
• Recovery of previous losses;
• Financial freedom;
• Recovery of the programme fee through trading; or
• Results within a specified period.

8.1 Testimonials and client results describe individual experiences.

8.2 They are not guarantees that another person will achieve the same or similar results.

8.3 Trading outcomes differ according to factors including:

• Capital;
• Risk management;
• Experience;
• Discipline;
• Market conditions;
• Execution;
• Broker conditions;
• Strategy application; and
• Personal decision-making.

8.4 Examples shown during training may be selected to demonstrate an educational concept.

8.5 An educational example must not be treated as a promise, guarantee or instruction to enter the same transaction.

8.6 Hypothetical and back-tested results have limitations and may not reflect actual trading conditions.

9.1 Programme prices will be disclosed before payment through an invoice, written quotation, programme page or enrolment communication.

9.2 Unless expressly stated otherwise, prices are quoted in South African rand.

9.3 Payment must be made using the payment method and reference stated on the invoice.

9.4 Access will normally be activated after:

• Payment has cleared;
• The correct payment reference has been used; and
• The information required to activate access has been supplied.

9.5 You are responsible for:

• Bank fees;
• Payment-provider fees;
• Currency-conversion charges; and
• Charges imposed by your financial institution,

unless these are expressly included in the programme price.

9.6 A proof of payment does not necessarily mean that funds have cleared.

9.7 The Traders Hideout may delay activation until payment has been confirmed.

9.8 Payment entitles you only to the programme and benefits described in the applicable invoice or programme description.

10.1 The programme may combine:

• Existing digital content;
• Immediate access to intellectual property;
• Previous recordings;
• Notes and resources;
• Private community access;
• Scheduled live sessions;
• Ongoing educational support; and
• Future programme benefits.

10.2 By paying the invoice, you expressly request that delivery and performance begin immediately.

10.3 You acknowledge that immediate access may be granted before the expiry of any cooling-off period that might otherwise apply, to the extent permitted by applicable law.

10.4 Access may be supplied by:

• Email;
• Learning-platform activation;
• Telegram invitation;
• WhatsApp invitation;
• Zoom links;
• Download links;
• Cloud-storage links; or
• Another reasonable electronic method.

10.5 Digital delivery is considered to have occurred when any of the following takes place:

• Login or access details are sent to the contact information supplied by you;
• Your learning account is activated;
• You are invited or added to a private community;
• Digital material is sent to you;
• Content becomes accessible through your account;
• A tool, indicator, Expert Advisor, template or setup is supplied; or
• You are provided with access to the programme's live-session schedule.

10.6 You must promptly notify us if you do not receive the expected access details.

10.7 Before reporting non-delivery, you must check:

• Spam folders;
• Junk folders;
• Filtered email folders;
• Telegram messages;
• WhatsApp messages; and
• The contact details supplied during enrolment.

10.8 A failure to open an email, click an invitation or use access details that were correctly sent does not mean that delivery did not occur.

11.1 Live sessions are group educational sessions and not individual financial-advice consultations.

11.2 Depending on the programme, clients may receive access to scheduled live revision, educational trading and market-preparation sessions.

11.3 Certain programmes may offer up to three scheduled live sessions per trading day. The exact schedule remains subject to the applicable programme timetable.

11.4 Live-session frequency, presenters and times may reasonably be affected by:

• Market conditions;
• Market holidays;
• South African or international public holidays;
• Presenter availability;
• Illness;
• Load-shedding;
• Internet interruptions;
• Zoom or platform outages;
• Broker or data-feed interruptions; and
• Other reasonable operational circumstances.

11.5 We may reasonably:

• Change a session time;
• Reschedule a session;
• Replace a presenter;
• Combine sessions;
• Change the session format; or
• Provide a recording or alternative session,

provided that the overall programme is not unfairly or materially reduced.

11.6 A live service is considered to have been made available where:

• The session was scheduled;
• The client was given access to the schedule or joining information; and
• The client had a reasonable opportunity to attend.

11.7 Your failure to attend a live session does not mean that the service was not supplied.

11.8 Late attendance, early departure, failure to participate or a decision not to attend does not create a right to a refund.

11.9 We do not guarantee that every live session will be recorded unless this is expressly stated in the programme description.

11.10 Where sessions are recorded, reasonable notice may be provided.

11.11 If you participate in a recorded session using your name, camera, microphone or screen, your contribution may appear in the recording.

11.12 You may keep your camera switched off and use a reasonably non-sensitive display name where permitted.

12.1 Programme access is issued for your personal educational use only.

12.2 You may not:

• Share your login details;
• Share Zoom links or community invitations;
• Permit another person to use your account;
• Record live sessions without written permission;
• Copy or reproduce programme material;
• Upload programme content to another platform;
• Distribute recordings, notes or resources;
• Sell or sublicense programme content;
• Reverse-engineer proprietary tools;
• Reproduce indicators, Expert Advisors or templates;
• Use programme communities to promote competing services;
• Harass, threaten or abuse staff or other clients;
• Post unlawful, discriminatory or offensive material;
• Disrupt live sessions or communities; or
• Use programme content for commercial training without permission.

12.3 You must keep your access details secure.

12.4 You must notify us if you suspect that another person has accessed your account.

12.5 We may restrict or suspend access where we reasonably suspect:

• Account sharing;
• Unauthorised distribution;
• Intellectual-property infringement;
• Fraud;
• Security misuse;
• Harassment;
• Unlawful conduct; or
• A material breach of these Terms.

13.1.1 The programme is a bundled educational product and service.

13.1.2 It includes immediate access to valuable proprietary intellectual property and digital educational resources, together with live and ongoing educational services where applicable.

13.1.3 Digital content and intellectual property may include:

• Previous bootcamp recordings;
• Previous training recordings;
• Course modules;
• Notes and educational documents;
• Trading systems and methodologies;
• Strategies and educational frameworks;
• Indicators;
• Expert Advisors;
• Templates;
• Chart setups;
• Members-only learning content;
• Private communities;
• Live Zoom sessions;
• Educational support;
• Technical setup assistance; and
• Other proprietary resources.

13.1.4 These resources cannot practically be returned once access has been granted.

13.1.5 A client may view, remember, apply, reproduce, record or otherwise benefit from intellectual property after gaining access, even where the client later claims not to have completed the programme.

13.2.1 By paying the invoice, you:

• Request immediate activation of the programme;
• Consent to immediate delivery of digital content;
• Consent to immediate access to our intellectual property;
• Request that the related educational services begin immediately;
• Confirm that these Terms were made available before payment; and
• Accept that the enrolment fee becomes non-refundable once access is activated.

13.3.1 Once access to any part of the programme has been activated or supplied, the full enrolment fee is final and non-refundable.

13.3.2 No full or partial refund will be provided because you:

• Change your mind;
• Decide that the programme is no longer suitable;
• Find a less expensive alternative;
• Decide that you no longer wish to trade;
• Stop trading;
• Fail to log in;
• Fail to view the recordings;
• Fail to download or read the notes;
• Fail to attend live sessions;
• Fail to use available support;
• Fail to complete the programme;
• Do not implement the educational material;
• Do not achieve your desired trading results;
• Experience trading losses;
• Find the content difficult;
• Require more time to complete the programme;
• Experience a change in personal circumstances;
• Experience a change in employment or financial circumstances;
• Experience technical difficulties relating to your own device or internet connection;
• Are unable to attend because of your personal schedule;
• Request cancellation after access has been activated; or
• Lose access because of your own material breach of these Terms.

13.3.3 Non-use of the programme does not mean that it was not delivered.

13.3.4 The programme fee is payable for the right and opportunity to access the bundled content, intellectual property and services.

13.3.5 It is not payable according to actual attendance, usage, completion or results.

13.4.1 Once access has been activated, no partial refund will be provided based on:

• The number of modules completed;
• The number of recordings watched;
• The number of resources downloaded;
• The number of sessions attended;
• The number of support interactions used;
• The period for which the client remained active;
• The client's subjective assessment of the value received; or
• The client's decision to stop participating before the programme ends.

13.4.2 The programme is supplied as a single bundled offering and is not divided into separately refundable components unless expressly stated in writing before payment.

13.5.1 The programme contains proprietary and confidential intellectual property belonging to The Traders Hideout or its licensors.

13.5.2 Once access has been granted, the client receives exposure to information and material that cannot practically be recalled, recovered or returned.

13.5.3 The activation of access to any of the following constitutes material performance of the agreement:

• Recordings;
• Course notes;
• Strategies;
• Educational systems;
• Indicators;
• Expert Advisors;
• Templates;
• Chart setups;
• Learning platforms;
• Private communities; or
• Members-only educational material.

13.5.4 A client's decision not to open, watch or download the content does not reverse the delivery of access.

13.6.1 Live sessions form part of the programme where included.

13.6.2 A scheduled live service is supplied when it is made available and the client has a reasonable opportunity to participate.

13.6.3 Failure to attend does not create a right to a refund.

13.6.4 Missing sessions due to work, travel, illness, personal commitments, load-shedding, internet problems or other personal circumstances does not create a right to a refund.

13.6.5 Where reasonably possible, we may allow a client to:

• Attend another session;
• Join a future intake; or
• Receive an alternative educational resource.

13.6.6 Any transfer or alternative arrangement is discretionary, subject to availability and does not mean that a refund is owed.

13.7.1 A programme described as a bootcamp may include considerably more than attendance at a future live event.

13.7.2 Bootcamp enrolment may include immediate access to:

• Previous recordings;
• Notes;
• Tools;
• Indicators;
• Expert Advisors;
• Templates;
• Chart setups;
• Private communities;
• Revision sessions;
• Ongoing educational support; and
• Other programme resources.

13.7.3 The bootcamp fee is therefore not payment solely for attendance on a particular date.

13.7.4 Failure to attend the live bootcamp component does not create a right to a refund once access to the wider programme has been activated.

13.7.5 A request to move to another available bootcamp date may be considered where:

• The request is submitted before the scheduled live bootcamp begins;
• The client has not previously transferred;
• Space is available; and
• The transfer is operationally reasonable.

13.7.6 A transfer is not guaranteed and does not create a right to a cash refund.

13.8.1 The Traders Hideout supplies education and does not guarantee trading results.

13.8.2 A client's failure to:

• Become profitable;
• Achieve consistency;
• Recover losses;
• Generate an income;
• Pass a trading assessment;
• Grow a trading account; or
• Achieve another desired financial outcome,

does not mean that the programme was not supplied.

13.8.3 Trading losses or dissatisfaction with personal performance do not create a right to a full or partial refund.

13.9.1 A client may request cancellation before access has been activated.

13.9.2 Where:

• Payment has been received;
• No access has been granted;
• No digital material has been supplied;
• No private community invitation has been issued;
• No onboarding has begun;
• No setup assistance has been supplied; and
• No programme service has commenced,

we will consider the cancellation request in accordance with applicable law.

13.9.3 Once any programme access or benefit has been supplied, the no-refund provisions in this section apply.

13.10.1 Nothing in these Terms excludes, restricts or limits any consumer right or remedy that cannot lawfully be excluded under:

• The Consumer Protection Act 68 of 2008;
• The Electronic Communications and Transactions Act 25 of 2002; or
• Any other applicable South African law.

13.10.2 A refund, cancellation or other remedy will only be considered after access has been activated where:

• Applicable law expressly requires it;
• The Traders Hideout materially fails to supply the purchased programme;
• A material service failure under our control cannot be corrected or reperformed within a reasonable period;
• The programme supplied materially differs from the programme purchased; or
• The Traders Hideout agrees to a remedy in writing.

13.10.3 Where the law requires a remedy relating to only part of the programme, the remedy will be limited to the fair and reasonable remedy required by law, taking account of the content and services already supplied.

13.10.4 Nothing in this section creates a general discretionary right to a refund after programme access has been activated.

13.11.1 Any request must be submitted in writing to: pieter@thetradershideout.com

13.11.2 The request must include:

• The client's full name;
• The email address used to enrol;
• The invoice number;
• The programme purchased;
• The payment date;
• The date access was granted;
• The reason for the request; and
• The contractual or legal basis for the request.

13.11.3 Submitting a request does not mean that it has been approved.

13.11.4 We may request reasonable supporting information before assessing the request.

13.12.1 Where cancellation or a refund is approved or legally required:

• Programme access will be terminated;
• Community access will be removed;
• Access to future live sessions will end;
• Licences to use programme materials will end; and
• The client must stop using and distributing the programme content.

13.12.2 The client may be required to delete downloaded materials where reasonably applicable.

14.1 Where a service is supplied on a month-to-month basis, the applicable:

• Monthly fee;
• Billing date;
• Minimum duration, if any;
• Included benefits; and
• Cancellation method,

will be disclosed before payment.

14.2 A client may cancel future monthly billing by giving the required written notice before the next billing date.

14.3 Cancellation stops future billing after it takes effect.

14.4 Access will ordinarily continue until the end of the billing period already paid for.

14.5 Fees already paid for a current billing period are not refundable merely because the client:

• Does not use the membership;
• Does not attend sessions;
• Stops participating;
• Changes their mind; or
• Cancels before the paid period ends.

14.6 This section remains subject to any statutory right that cannot lawfully be excluded.

14.7 If a payment fails, access may be suspended until the account is brought up to date.

15.1 All programme content remains the intellectual property of The Traders Hideout or its applicable licensors.

15.2 This includes:

• Course recordings;
• Live-session recordings;
• Notes;
• Presentations;
• Educational methods;
• Trading strategies;
• Systems;
• Templates;
• Indicators;
• Expert Advisors;
• Chart setups;
• Graphics;
• Branding;
• Written content;
• Community content; and
• Other educational material.

15.3 Payment grants you a limited, personal, non-exclusive, non-transferable and revocable licence to use the programme for your own education.

15.4 Payment does not transfer ownership of any intellectual property to you.

15.5 You may not, without prior written permission:

• Copy;
• Record;
• Reproduce;
• Publish;
• Sell;
• Distribute;
• Share;
• Sublicense;
• Translate;
• Modify;
• Reverse-engineer;
• Upload;
• Teach from; or
• Commercially exploit

any programme content.

15.6 You may not use The Traders Hideout's material to create or operate a competing course, signal service, community, mentorship, coaching service or educational product.

15.7 Unauthorised use may result in:

• Immediate suspension or termination;
• Removal from private communities;
• A demand that the unauthorised use stop;
• Recovery of losses where legally permitted; and
• Further lawful action.

16.1 Support is supplied during reasonable business and programme operating hours.

16.2 Response times may vary depending on:

• The nature of the enquiry;
• Staff availability;
• Market-session demands;
• Public holidays;
• The communication platform; and
• The volume of support requests.

16.3 Programme support does not include:

• Guaranteed immediate responses;
• Continuous individual supervision;
• Personal financial advice;
• Emergency trading assistance; or
• Responsibility for decisions made in your trading account.

16.4 General assistance with software, charts, indicators or platforms does not mean that The Traders Hideout controls your device or account.

16.5 You must never send us:

• Broker passwords;
• Banking passwords;
• One-time PINs;
• Card security codes;
• Private encryption keys; or
• Credentials that allow financial transactions.

16.6 We may use email, WhatsApp, Telegram, Zoom or another reasonable method to communicate programme information.

17.1 Brokers, banks, charting platforms, payment providers, Zoom, Telegram, WhatsApp and other external services are operated independently.

17.2 Their own:

• Terms and conditions;
• Privacy policies;
• Fees;
• Technical requirements;
• Regulatory arrangements; and
• Risk disclosures

apply to your use of their services.

17.3 The Traders Hideout does not control and is not responsible for:

• Broker execution;
• Spreads;
• Commissions;
• Swaps;
• Slippage;
• Deposits;
• Withdrawals;
• Broker insolvency;
• Platform outages;
• Data-feed errors;
• Account restrictions;
• Payment-provider delays; or
• Changes made by third-party providers.

17.4 You are responsible for conducting your own assessment before opening or funding an account with a third party.

17.5 We may provide referral links or introduce clients to third-party providers.

17.6 The Traders Hideout or a related party may receive a referral, introducing-broker or similar commercial benefit where disclosed or permitted.

17.7 A commercial relationship does not guarantee that a third-party provider is suitable for your circumstances.

18.1 You are responsible for having:

• A suitable computer, tablet or mobile device;
• Reliable internet access;
• A functioning email address;
• Compatible software;
• Access to the required online platforms; and
• The technical ability to use the programme.

18.2 We are not responsible for problems caused by:

• Your internet connection;
• Your device;
• Your security settings;
• Outdated software;
• Unsupported systems;
• Your email filtering;
• Your broker;
• Your network provider; or
• A third-party platform.

18.3 Reasonable maintenance, security updates and platform changes may temporarily affect access.

18.4 Where a material interruption is under our control, we will take reasonable steps to restore access or provide an appropriate alternative.

19.1 We may suspend or terminate your access where you:

• Fail to make an agreed payment;
• Share programme access;
• Infringe intellectual property;
• Record or distribute content without permission;
• Abuse or harass another person;
• Engage in unlawful activity;
• Attempt to compromise our systems;
• Commit fraud or misrepresentation;
• Disrupt sessions or communities; or
• Materially breach these Terms.

19.2 Where reasonably appropriate, we may inform you of the breach and allow you an opportunity to correct it.

19.3 Immediate suspension may occur where reasonably necessary to protect:

• Clients;
• Staff;
• Intellectual property;
• Confidential information;
• Technology;
• Financial information; or
• Community safety.

19.4 Termination caused by your material breach does not create a right to a refund, except to the extent that applicable law requires otherwise.

19.5 If The Traders Hideout permanently discontinues a paid programme without client breach and cannot provide a reasonably comparable alternative, any genuinely unused prepaid portion will be addressed fairly and in accordance with applicable law.

20.1 To the fullest extent permitted by law, The Traders Hideout is not responsible for trading, investment or financial losses resulting from decisions made by a client.

20.2 We are not responsible for loss caused by:

• Market movements;
• A broker;
• A bank;
• A payment provider;
• A charting platform;
• A communication platform;
• An internet provider;
• Third-party software;
• Data-feed errors;
• A client's device;
• A client's account security;
• A client's use of leverage; or
• A client's failure to apply risk management.

20.3 Nothing in these Terms excludes liability that cannot lawfully be excluded.

20.4 Nothing in these Terms requires you to waive a mandatory statutory right.

20.5 The Traders Hideout will not be liable for indirect, consequential or special loss to the extent that such limitation is permitted by law.

21.1 We process personal information in accordance with our Privacy Policy and applicable South African law.

21.2 Personal information may be processed to:

• Administer enrolment;
• Issue invoices;
• Verify payment;
• Create accounts;
• Provide access;
• Communicate session information;
• Provide support;
• Maintain attendance and access records;
• Prevent fraud and account sharing;
• Manage complaints;
• Comply with legal obligations; and
• Protect our rights and intellectual property.

21.3 We may retain transaction, access and acceptance records for legitimate operational, evidentiary and legal purposes.

21.4 The Privacy Policy forms part of these Terms and is available separately on our website.

22.1 Programme-related communications may be sent while you remain enrolled.

22.2 These may include:

• Access information;
• Session reminders;
• Schedule changes;
• Account notices;
• Payment notices;
• Programme updates; and
• Important service announcements.

22.3 Promotional communications will be handled in accordance with applicable consent and opt-out requirements.

22.4 You may unsubscribe from promotional communication without losing essential programme and account notices.

23.1 Complaints should first be submitted to The Traders Hideout in writing.

23.2 The complaint should include:

• Your full name;
• Your invoice number;
• The programme purchased;
• A description of the issue;
• Relevant dates; and
• The remedy requested.

23.3 Complaints may be submitted to: pieter@thetradershideout.com

23.4 We will investigate the complaint and attempt to resolve it fairly.

23.5 Where a consumer dispute cannot be resolved directly, the consumer may approach an appropriate alternative dispute-resolution body or statutory consumer-protection authority where applicable.

23.6 Nothing in this section prevents either party from exercising a lawful right or remedy.

24.1 You should contact us before initiating a chargeback so that we have a reasonable opportunity to investigate the dispute.

24.2 We may suspend programme access while a chargeback relating to the programme fee is being investigated.

24.3 Where a chargeback is initiated after digital content and services have been supplied, we may provide the relevant:

• Invoice;
• Terms accepted;
• Payment record;
• Delivery record;
• Access activation record;
• Communication record; and
• Programme information

to the bank or payment provider.

24.4 Nothing in this section prevents you from exercising a lawful right through your bank, regulator, ombud or consumer-protection authority.

25.1 We may update programme content to account for:

• Market developments;
• Platform changes;
• Broker changes;
• Regulatory developments;
• Technology changes;
• Educational improvements; or
• The correction of outdated content.

25.2 Updates may include replacing outdated modules, examples, tools or resources with materially comparable content.

25.3 We will not use this section to unfairly remove a material programme benefit without providing a reasonable alternative or remedy where required.

26.1 We may update these Terms from time to time.

26.2 The version supplied or linked at the time of payment will ordinarily govern that purchase.

26.3 Updated Terms will apply to future purchases and renewals from the stated effective date.

26.4 Reasonable notice will be provided where a material change affects an ongoing service.

26.5 Historical versions may be retained for record purposes.

27.1 These Terms are governed by the laws of the Republic of South Africa.

27.2 If any provision is found to be unlawful, invalid or unenforceable, that provision will be interpreted or limited to the minimum extent necessary, and the remaining provisions will continue to apply.

27.3 A failure or delay in enforcing a right does not permanently waive that right.

27.4 Headings are included for convenience and do not alter the meaning of these Terms.

27.5 Singular words include the plural where appropriate, and references to one gender include all genders.

27.6 Electronic invoices, communications, payment records, policy versions and access records may be used as evidence of the agreement.

27.7 These Terms must be interpreted consistently with applicable South African consumer-protection legislation.

27.8 Nothing in these Terms creates an employment, partnership, agency, franchise or joint-venture relationship between the client and The Traders Hideout.

27.9 The client may not transfer their rights or obligations under the agreement without prior written approval.

These Terms should be read together with:

• The Traders Hideout Disclaimer;
• The Traders Hideout Privacy Policy;
• The applicable invoice;
• The applicable programme description; and
• Any written programme-specific terms supplied before payment.