OVERVIEW

This website is operated by Company for advising, consulting, and education DOLIZA dooel, Skopje, trading under the commercial name Riskure Academy (hereinafter: "we", "us", "our"). Riskure Academy offers you access to this website, including all information, tools, and digital educational services available on the site, conditioned upon your acceptance of all terms, conditions, and policies stated herein.

By visiting our website and/or purchasing our digital courses and services, you agree to be bound by the following Terms of Service. Please read these Terms carefully before accessing or using our services. If you do not agree to these Terms, you are not authorized to use our services. Any new features or tools added to the site will also be subject to these Terms of Service.

Section 1 – Website Terms

By agreeing to these Terms of Service, you represent that you are at least the age of majority in your country of residence, or that you are a parent/legal guardian giving consent to allow your minor dependents to use this site.

You may not use our services for any illegal or unauthorized purpose, nor may you violate any laws in your jurisdiction, including but not limited to copyright and data protection laws.

A breach or violation of any of these Terms will result in the immediate termination of your access to services.

Section 2 – General Conditions

We reserve the right to refuse service to anyone for any reason at any time.

You agree not to reproduce, copy, sell, resell, or exploit any portion of our Services without express written permission from us.

Section 3 – Accuracy, Completeness, and Timeliness of Information

We are not responsible if information made available on this site is not accurate, complete, or current. The material on this site is provided for general informational purposes only and should not be relied upon as the sole basis for making decisions without consulting primary sources. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information.

Section 4 – Modifications to the Service and Prices

Prices for our products are subject to change without notice. We reserve the right to modify or discontinue the Services (or any part thereof) without notice at any time. We shall not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Service.

Section 5 – Digital Courses and Educational Content

Riskure Academy offers digital educational courses, materials, and resources available exclusively online, dedicated to IFRS standards, ACCA, and Insurance industry topics. The access period for each course is stated on the course purchase page and may vary.

Upon purchase, you gain access to the content available at the time of purchase, as well as any subsequent updates within the same course, at Riskure Academy's discretion. Courses are licensed for your personal, non-commercial educational use only. Sharing course access with third parties is strictly prohibited.

Section 6 – Refund Policy 

All purchases are subject to our Refund Policy, which can be found here Payment and Refund Policy

Section 7 – Accuracy of Account and Billing Information

You agree to provide current, complete, and accurate purchase and account information for all purchases made on our site, and to promptly update your account information as needed so that we can complete your transactions and contact you as necessary.

Section 8 – Third-Party Links and Content

Links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content, accuracy, or privacy policies of those websites. We recommend carefully reviewing the terms and policies of third parties before interacting with them.

Section 9 – Intellectual Property and Copyright

All content available through Riskure Academy – including video courses, written materials, presentations, charts, and other educational resources – is protected by copyright and is the exclusive intellectual property of DOLIZA (Riskure Academy).

You may not reproduce, distribute, sell, publicly display, record, or create derivative works based on this content without prior written permission from Riskure Academy. Unauthorized use of content may result in legal action.

If you provide us with feedback, ideas, or suggestions regarding our Services, we may freely use such information without any restrictions or obligations to you.

Section 10 – Personal Information

Your submission of personal information through the site is governed by our Privacy Policy, available at riskureacademy.com, which is incorporated into these Terms of Service.

Section 11 – Errors, Inaccuracies, and Omissions

Occasionally, there may be typographical errors, inaccuracies, or omissions on our site related to course descriptions, pricing, or availability. We reserve the right to correct any errors and update information without prior notice.

Section 12 – Prohibited Uses

In addition to other prohibitions set forth in these Terms, you are prohibited from:

• using the Services for any illegal purpose or in any way that violates the rights of third parties;
• copying, reproducing, distributing, or selling course content without written permission;
• sharing course access with persons who have not paid for that course;
• recording or downloading video courses or materials without written permission;
• transmitting viruses, malware, or any harmful code through our platform;
• attempting to circumvent platform security measures or gain unauthorized access to other users' accounts;
• using automated tools (bots, scrapers) to collect data from our platform.

We reserve the right to terminate your access to the Service in the event of any violation of these prohibitions.

Section 13 – Disclaimer of Warranties; Limitation of Liability

We do not guarantee, represent, or warrant that your use of our Service will be uninterrupted, timely, secure, or error-free. The Service is provided "as is" and "as available" without any representation, warranties or conditions of any kind, either express or implied.

DOLIZA dooel Skopje, (Riskure Academy), its directors, employees, affiliates, and partners shall not in any case be liable for any direct, indirect, incidental, punitive, special, or consequential damages arising from your use of, or inability to use, our Services.

Section 14 – Indemnification

You agree to indemnify, defend, and hold harmless DOLIZA dooel Skopje (Riskure Academy) and its directors, employees, affiliates, and partners from any claim or demand, including reasonable attorneys' fees, arising out of your breach of these Terms of Service or any applicable laws.

Section 15 – Severability

If any provision of these Terms of Service is determined to be unlawful, void, or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed severed from these Terms. Such determination shall not affect the validity and enforceability of any other remaining provisions.

Section 16 – Termination

You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our services. We reserve the right to terminate this agreement at any time without notice in the event of a breach of these Terms.

Section 17 – Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Republic of North Macedonia.

Section 18 – Changes to Terms of Service

We reserve the right to update or replace any part of these Terms of Service at any time by posting updates to our website. Your continued use of the website or Service following the posting of any changes constitutes acceptance of those changes.

Section 19 – Contact Information

Questions about the Terms of Service should be directed to us at:

Email: [email protected]

Website: riskureacademy.com

Address: Leninova 58/1-15 Skopje, Republic of North Macedonia