Refund and Returns Policy

Terms and Conditions

Refunds and Cancellations


Welcome to the website (“Site”) operated by KBA2023 SL.

By visiting and using this Site you will be accepting these Terms of Use (“Terms and Conditions”). The Terms and Conditions governs your access to and use of the Site and any of the Services we provide through the Site (together the “Services”). Please read through them carefully and if you disagree with the Terms and Conditions in any way, please refrain from use of this Site or any of the Services. reserves the right to post changes to the Terms and Conditions on this Site at any time. If we make any material changes to this Terms and Conditions, we will post the updated Terms and Conditions here, along with its effective date, and notify you by email or by means of a notice on our Site. If any Terms and Conditions changes are not acceptable, you must stop your use of this Site. In these Terms and Conditions, “”, “Us” and “We” refer to, and “User” or “you” refer to each visitor to this Site.


      KBA2023 SL (“Us” “We”) is our company name, under which all our products and services are registered. We are registered at Avenida del Mediterraneo 24 1A, 29730 Rincon de la Victoria, Malaga SPAIN



  • We make no guarantees as to the accuracy, thoroughness, or quality of the information on this Site or through the Services, which is provided only on an “AS-IS” and “AS AVAILABLE” basis at User’s sole risk. This information may be provided by third parties and shall not be responsible or liable for any errors, omissions, or inaccuracies in the Site content. You are advised to verify any information before using it for any personal, financial, accounting, legal, or business purpose. In addition, the opinions and views expressed in any article on this Site are solely those of the author(s) of the article and do not reflect the opinions of or its management. The Site content and services may be modified at any time by us, without advance notice or reason, and shall have no obligation to notify you of any corrections or changes to any Site content.
  • We may restrict access to some parts of, or the entire site.
  • Subscribers of acknowledge that his or her right to use the site and other products or services offered by is personal and is not transferable by assignment, sublicense, or any other method to any other person or entity. Any attempt to transfer a Subscriber’s right to use this site is void and shall constitute a breach of these Terms and Conditions.

 No Subscriber may:

  • Select or use a username or email address of another person with the intent to impersonate that person;
  • Use a username or email address subject to the rights of any other Subscriber person without our authorization;
  • Use a username in violation of the intellectual property rights of any person; or
  • Use a username that we in our sole discretion, deem offensive.

Privacy Policy

  • respects your privacy. For more information, you can read our privacy policy on this page.


  • Where contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Changes to Our Terms

  • We reserve the right to make changes to our Terms and Conditions at any time without notifying you. It is recommended that you revisit this page in the future to check any changes to our terms. offers online information courses, workshops, classes and other educational programs relating to the world of finance to you for a fee (“Course(s)”) through its services. For clarity, the is included as part of the Services offered by may also offer you the ability to engage in communication with fellow users taking the Courses. These Terms of Conditions, including this section specifically on, govern your purchase, use and/or access to any Course. You must login to your account to sign up for a Course. may use third party services to provide the platform for the Courses as well as for payment processing and those third parties may have access to your information for the purposes of providing the Course Services. Please note that we may communicate with you as set forth in the “Communications” section of these Terms of Conditions in connection with the provision of the and/or other services.


All courses are valid for 12 months from purchase time.

You agree to the purchase course fees payable by you at rate offered at purchase time for a period of 12 months.

Customers of acknowledge that his or her right to use the site and other products or services offered by is personal and is not transferable by assignment, sublicense, or any other method to any other person or entity. Any attempt to transfer a purchased course rights to use this site is void and shall constitute a breach of these Terms and Conditions. All packages are for personal private use only and not transferable.


Refund Policy:

For a course purchases, will provide refunds in accordance with the course section below. In order to request a refund, user must contact via email

Refunds and Cancellations: If you cancel your purchased course and request a refund within the first 14 days of your purchased course, we will refund your initial payment. Thereafter you can cancel your course at any time, and you will continue to have access to the purchased course services through the end of the month. To the extent permitted by the applicable law, payments are non-refundable and we do not provide refunds or credits for any partial-month course periods or unwatched content. Notwithstanding the forgoing, if you cancel within 3 business days of signing up for a paid course, we will refund your full course fee; however, we may charge you (or withhold from your refund) the prorated value of the course service used by you and your account during this 3-business day period. To cancel, please email If you cancel your course, your account will automatically close at the end of your current billing period.  In the event you cancel your course, please note that we may still send you promotional communications about products and services, unless you opt out of receiving those communications by following the instructions provided for cancelling the purchased course.



Each of the Parties hereby irrevocably (i) consents to any suit, legal action or proceeding with respect to this Agreement being brought exclusively in the competent courts of the Republic of Spain (the “Courts”) and waives to the fullest extent permitted by law any objection which it may have now or hereafter to the venue of any such suit, action or proceeding in any such Courts and any claim that any such suit, action or proceeding has been brought in an inconvenient forum, (ii) acknowledges the competence of such Courts, (iii) explicitly submits to the exclusive jurisdiction of such Courts in any such suit, action or proceeding, and (iv) agrees that final judgment in any such suit, action or proceeding brought in such Courts shall be conclusive and binding upon it and may be enforced in all courts.