Terms and Conditions

Income Bright Terms & Conditions

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. Income Bright 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. If any Terms and Conditions changes are not acceptable, you must stop your use of this Site. In these Terms and Conditions, “Income Bright”, “Us” and “We” refer to Income Bright, and “User” or “you” refer to each visitor to this Site.

These Terms and Conditions are an agreement between Income Bright and you (“You” or “User”), a user of the Income Bright website located at www.incomebright.com (the “Website” or “Site”). Please read this agreement carefully. By using our Website and its services, you agree to be bound by these Terms and Conditions as well as our Privacy Policy.

Any new features of our Website, including updates, upgrades, or new services, shall also be subject to these Terms and Conditions.

INFORMATION ABOUT US

Income Bright (“Us” or “We”) is our Brand name, the Company operated the Brand is Income Bright LTD under which all our products and services are registered. We are registered in 71-75, Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom.

Income Bright 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 Income Bright Academy services. For clarity, the Income Bright Academy is included as part of the Services offered by Income Bright. Income Bright may also offer you the ability to engage in communication with fellow users taking the Courses. This Terms and Conditions, including this section specifically on Income Bright Academy, govern your purchase, use and/or access to any Course. You must login to your account to sign up for a Course. Income Bright may use third party services to provide the platform for the Courses, to provide access to Capital Markets, as well as for payment processing and those third parties may have access to your information for the purposes of providing the Course Services.

Accounts

To use the Website (the “Service”), you will need to both register and create a user profile or account (“Account”).

You may not share or transfer any Account. You understand and agree that you shall be liable for all activities that occur under any Account created for your use, even if such activities were not committed by you. Income Bright is not responsible for any loss or damage arising from your failure to maintain the confidentiality of your password. You understand and agree that you have no ownership rights in your Account and Income Bright may stop offering the Service at any time. Further, Income Bright may cancel your Account and delete all information associated with your Account at any time, without notice, for violation of these Terms. Income Bright will not be liable for any damages or loss resulting from cancellation of your Account.

You may cancel your Account at any time and cancellation will take effect immediately. Income Bright reserves the right to temporarily or permanently restrict or block access to the Website and/or the Service to any users who have had their Accounts cancelled.

Upon registration and/or during the processing of transferring Credits into the User Account, You are required to provide the following information:

  • an alias that will be the username;
  • a password;
  • Your e-mail address;

The information provided must be true, accurate, current and complete, as requested. If Income Bright suspects that you are registering a User Account with purposely incorrect information, Income Bright reserves the right to terminate Your User Account. Income Bright also reserves the right, in its sole discretion, to change and/or suspend/terminate offensive and/or inappropriate usernames.

RELIANCE ON INFORMATION POSTED AND RISKS

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 Income Bright shall not be responsible or liable for any errors, omissions or inaccuracies in the Site content. The information and investment, accounting, or legal strategies provided at this Site are neither comprehensive nor appropriate for every individual. It is your responsibility to determine whether, how and to what extent your intended use of the information and Services will be technically and legally possible in the areas of the world where you intend to use them. 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 Income Bright or its management.

Trading and investing often involves a very high degree of risk. Past results are not indicative of future returns and financial instruments can go down as well as up resulting in you receiving less than you invested. Do not assume that any recommendations, insights, charts, theories, or philosophies will ensure profitable investment.

We may restrict access to some parts of Income Bright, or the entire site.

Subscribers of Income Bright acknowledge that his or her right to use the site and other products or services offered by Income Bright 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.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions stated herein.

 No Individual Investment Advice

This Site does not provide individual or customized legal, tax, accounting, or investment services. Since each individual’s situation is unique, a qualified professional should be consulted before making financial decisions.

Plan and Payment Terms

The website is offering 200 (two hundred) USD or 500 (five hundred) USD plans to use on the website (“Plans”), and each Plan’s offers are as described on the Website at the time of purchase.

The Plans are valid for 3 months from purchase date.

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

Users acknowledge that his or her right to use the site and other products or services offered by Income Bright 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 plan 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.

No User 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 User without our authorization;

For a plan purchases, Income Bright will provide refunds in accordance with the plan section below. In order to request a refund, user must contact Income Bright.

Refunds and Cancellations

 If you cancel your purchased course and request a refund within the first 30 days of your purchase, 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 watched or unwatched Income Bright content. Notwithstanding the forgoing, if you cancel within 3 business days of purchasing a course, we will refund your full plan fee; however, we may charge you (or withhold from your refund) the prorated value of the services used by you and your account during this 3-business day period. To cancel, please email support@incomebright.com. If you cancel your plan, your account will automatically be terminated at the end of the month. In the event you cancel your plan, please note that we may still send you promotional communications about Income Bright products and services, unless you opt out of receiving those communications by following the instructions provided for canceling the services purchased.

Our Content; Proprietary Rights

The Website provides access to Digital Book/s (E-Course/s) (“Content”).

With respect to the Website itself, as between you and us, Income Bright is the owner or authorized licensee of all Content and you acknowledge that you are only receiving a limited right to access or use this content. No Content may be used, reproduced, transmitted, distributed or otherwise exploited by you. Income Bright 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.

We also own any information and data collected from you, including without limitation any data regarding your use and viewing of our Website and its content. We may use such information and data for benchmarking and other service enhancements. We will handle and treat any information we collect from you in compliance with our current Privacy Policy.

We respect the intellectual property rights of others and expect our users to do the same. It is our policy, in appropriate circumstances and at its discretion, to disable or terminate the accounts of users who repeatedly infringe or are repeatedly charged with infringing the intellectual property rights of others.

Dispute Resolution

This Agreement shall be governed by, and construed solely in accordance with the Laws of the United Kingdom. The parties will attempt in good faith to negotiate a settlement to any claim or dispute between them arising out of or in connection with this Agreement. If the parties fail to agree on the terms of settlement, either side may submit the dispute to confidential arbitration proceedings by a sole arbitrator according to ICC rules in London, UK whose decision shall be final and binding. Arbitration shall be conducted in the English language.

Warranties/Limitation of Liability

OUR SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE HEREBY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY, WITH RESPECT TO OUR WEBSITE OR, SERVICES, WITHOUT LIMITATION, ANY WARRANTIES OF INFRINGEMENT, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT MAKE ANY WARRANTIES THAT THE WEBSITE WILL BE UNINTERRUPTED, SECURE OR ERROR FREE OR THAT YOUR USE OF THE WEBSITE OR SERVICE WILL MEET YOUR EXPECTATIONS, OR THAT THE WEBSITE OR SERVICE, OR ANY PORTION THEREOF, IS CORRECT, ACCURATE, OR RELIABLE. WE RESERVE THE RIGHT TO CHANGE ANY PART OF THE WEBSITE AT ANYTIME WITHOUT NOTICE.

WE WILL NOT BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOSS OF DATA OR PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY (INCLUDING NEGLIGENCE OR STRICT LIABILITY), ARISING OUT OF THIS AGREEMENT OR YOUR USE OR INABILITY TO USE OUR WEBSITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR AGGREGATE LIABILITY ARISING OUT OF THIS AGREEMENT OR YOUR USE OF OUR WEBSITE OR SERVICES, WHETHER IN CONTRACT, TORT, OR OTHERWISE, EXCEED THE GREATER OF (A) THE AMOUNT OF FEES PAID BY YOU TO PURCHASE THE CONTENT OR PRODUCTS THAT GAVE RISE TO SUCH LIABILITY, AND (B) 100 (hundred) USD.

Indemnification

You agree to defend, indemnify and hold harmless Income Bright and its officers, directors, employees and agents from and against any and all claims, actions, suits or proceedings, as well as any and all losses, liabilities, damages, costs and expenses (including reasonable attorneys’ fees) arising out of any breach by you of any of these Terms or your violation of any law or the rights of a third party.

Termination

These Terms shall take effect on the date you first access or use our Website and shall continue until terminated in accordance with these Terms. You agree that we may, in our sole discretion, suspend, block, or terminate your access to all or part of our Website and any content, with or without notice, for any reason. Any suspected illegal or fraudulent activity may be referred to appropriate law enforcement authorities.

Electronic Communications

By using the Website and providing your contact and other information, you are agreeing that we may send you communications via email regarding our Products and services. You will have the opportunity to “opt out” of receiving any future marketing emails at any time.

You explicitly agree that We may share information with third-parties in order to facilitate some of our Services and/or Products. There may also be legal reasons that we have to share Your personal data. You may be contacted by third-parties based on the information you shared with Services and/or Products that may interest You, in which case we may be remunerated for.

You also understand that consent is not required to make a purchase. You may revoke your consent at any time. You warrant and represent that you are either the account owner of any mobile or residential phone numbers you provide to Income Bright or you have the express permission of the account holder to provide such numbers.

Security

We take such commercially reasonable measures as we deem appropriate to secure and protect information transmitted to and from the Website. Nevertheless, we cannot and do not guarantee that any such transmissions are or will be totally secure.

Miscellaneous

These Terms and our Privacy Policy constitute the entire agreement between you and Income Bright. You may not assign these Terms in whole or in part without our prior written consent, and any purported assignment in violation of this provision shall be null and void. We may assign or otherwise transfer these Terms and all rights granted hereunder in connection with any corporate reorganization, merger, or sale of all or substantially all of the assets and business to which these Terms relate. These Terms shall be binding upon and inure to the benefit of the parties hereto and their respective heirs and assigns. If any provision of these Terms is determined by a court of competent jurisdiction to be illegal, invalid or unenforceable, the remaining provisions shall remain in full force and effect. No waiver of any breach of any provision of these Terms shall constitute a waiver of any prior, concurrent or subsequent breach of the same or any other provisions hereof, and no waiver shall be effective unless made in writing and signed by an authorized representative of the waiving party.

Modifications

We reserve the right to make changes to these Terms at any time by updating this page with any such changes and indicating the effective date of those changes. You acknowledge and agree that it is your responsibility to review these Terms periodically to familiarize yourself with any modifications. By continuing to access and use our Website after those changes become effective, you consent and agree to be bound by the revised Terms.

Contact Us

If you have any questions or comments regarding these Terms or our Privacy Policy, you can contact us at: support@incomebright.com.