Terms of Use

By accessing or using www.naspeling.com (hereinafter the “Website”), you accept and agree to be bound by these Terms of Use (hereinafter “Terms”) as well as our Privacy Policy, Refund Policy, and Disclaimer published on the website and included herein for reference. If you disagree with any part of the terms, do not continue to use the Website.

Please read these Terms of Use carefully before using the Website operated by NASPELING® (hereinafter "us", "we", or "our"). The term “you” refers to and applies to all visitors, users, and others who access or use the Website.

Your access to and use of the Website is conditioned on your acceptance of and compliance with these Terms. We reserve the right to amend, change, and/or modify these Terms at sole discretion without notice. By accessing this website, you agree to these terms and it is your responsibility to regularly peruse the website for any updates or changes. Continued use of the Website after amendments and changes to the Terms, constitutes your acknowledgment and acceptance thereof.

If you do not wish to be bound by these Terms & Conditions, please suspend all activity on the Website.

PRIVACY POLICY

We take great care in respecting your privacy and personal information. Your use of the Website automatically translates to your acceptance of our Privacy Policy and is therefore explicitly incorporated into our Terms of Use. Please also review our full Privacy Policy for detailed information.

REFUND POLICY

Your acknowledgment and acceptance of our Refund Policy are explicitly incorporated into our Terms of Use down below. You can also review our full Refund Policy for detailed information.

DISCLAIMER

Your acknowledgment and acceptance of our Disclaimer are explicitly incorporated into our Terms of Use. Please review our full Disclaimer for detailed information down below.

DISPUTE RESOLUTION, MANDATORY ARBITRATION AND GOVERNING LAW

You explicitly waive and relinquish your right to bring about legal claims, petitions, or actions, now or in the future, arising out of or that are related to the Website and our products/services or affiliate partners. Any disputes arising out of this Agreement shall be governed by the laws of the United Arab Emirates and/or all other countries/regions governing laws pertaining to copyright, our registered trademark, and intellectual property rights.

INTELLECTUAL PROPERTY RIGHTS

This Agreement does not transfer to you any copyright, trademark, or intellectual property owned by NASPELING®. Unless otherwise stated, www.naspeling.com and/or its licensors own the intellectual property rights published on this Site and materials used on www.naspeling.com, including but not limited to all text, posts, logos, images, marks, graphics, files, services, products, videos, audio, computer code, designs, downloads and all other information (collectively, “Content”). These are protected by copyright, trademark, intellectual property as well and unfair competition laws with the exception of content from other parties that we are lawfully permitted to use. You are granted a limited revocable license to print or download purchased PDF format Content from the Website, exclusive of Video material (if and when available) for your own personal use (supplemental, informational, educational) in a non-commercial and non-transferable manner whilst ensuring there is no breach of any copyright, trademark, and intellectual property rights.

By making use of the Website, you explicitly agree not to copy, duplicate, steal, modify, reproduce, publish, or sell any part of the Content without prior written consent. You will be held solely liable and responsible for any violations of these Terms.

LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, in no event will the Website, we, employees, shareholders, or anyone working with us be liable to any person for any direct, indirect, incidental, consequential, or any other damages (including and without limitation, damages for lost profits, revenue, goodwill, use of content, impact on business, studies, injuries, etc) resulting from your use of the website, however caused.

These limitations of liability apply even if www.naspeling.com has been expressly advised of the potential loss.

By accessing this Website, you explicitly agree that it is done so at your sole risk and that you are solely and entirely responsible for the information provided by you, your actions, and the outcomes thereof as well as all other associations with the site.

You also explicitly agree that the Website, we, employees, shareholders, or anyone working with us shall not be held liable for any damages or injuries from 1) any errors or submissions on the website, interruption in the operation and use of the Website and/or integrated platforms, Website attacks such as computer viruses, hacking of personal information or any other system failures; 2) loss of income pertaining to the Website; and 3) any use/misuse of the products and services offered on the Website.

By accessing the Website, you understand and accept that we offer no express or implied guarantees/outcomes to you based on the content presented on the Site.

USER CONTENT AND LAWFUL USE OF THE WEBSITE

Content and information uploaded, posted, emailed, or sent to us on the Website or any of our social media platforms, must only be done when you can affirm that you are the owner, or have express permission from the owner of potential intellectual property rights in order to use and distribute it.

You agree that any content or information uploaded, posted, emailed, or sent to us on our Website or any social media platforms, will not, or will not be:

Illegal, exploitative, or infringe on other people’s rights
abusive, defamatory, malicious, pornographic, hateful and intimidating
encouraging conduct that is of a criminal nature and disobeys any law
used for the purpose of advancing or derogating political, religious, or social viewpoints
distribute any harmful material such as computer viruses or spyware
send any unauthorised material that could damage the use of the Website.

You accept that you will be held fully liable for any damages or harm inflicted onto the Website as a result of a violation of these Terms of Use.

LINKS TO OTHER SITES

From time to time, our Website may contain links to other sites that are not operated by us. We may serve as an Affiliate partner for some of these third-party websites by offering or promoting their products or services on the Website but do not control these websites. If you use these links for purchases, we may earn a commission.

Once you click a third-party link, you will be directed to that third party's site and are no longer bound by our Terms of Use. We strongly advise you to review the Privacy Policy of every site you visit. Kindly note that our online course delivery facilitation is hosted on the Thinkific Learning Management platform with seamless redirection to and from our website.

Furthermore, the Website will not be held liable or responsible for the content, accuracy, or any other information that is presented by third-party websites. You accept all risks involved when using these websites or their resources and any transactions that may occur between yourself and the third party websites. We are in no way liable for any damages as a result of your use of these websites.

USE OF OUR PAID AND FREE PRODUCTS

We may offer free products/resources from time to time for you to download as well as paid products that may include physical or digital products (collectively, “products”) on this Website. You are granted only a limited, personal, and non-transferable license to use our products.

These products are intended for personal use only and commercial use thereof is prohibited unless written consent is given. You recognise, accept, and agree that you have no right to modify, share, sell, edit, copy, or exploit our digital content/products.

TERMINATION

We reserve the right to refuse, restrict, or remove your access to the Website at our sole discretion, when in violation of our Terms of Use and/or in legally enforced circumstances for any substantiated reason with no prior notice.

REFUND POLICY

Our following Refund Policy outlines the process, conditions, and time frames for an eligible refund with user termination of online access to course material.

-Financial Markets:
One Independent Module / One Video

As the Independent Module on Financial Markets consists of One Module / One Video, NO REFUNDS are allowed. Please be sure to watch the Course Preview Video on What to Expect before purchasing.

The Purchase/s of the Independent Module in Financial Markets and/or related products/services on this Website are final and once the Independent Module on Financial Markets has been accessed online, no purchase refunds will be allowed.

-Economic Insight:
Course consisting of Six Modules / Ten Videos.

Eligibility for a Full Refund:

We offer a full payment Refund on the course in Economic Insight within the first 15 days after the date of purchase/enrollment, provided online access had only been gained to course material related to Module 1. Refund eligibility is therefore further based on the condition that Module 2 had not been accessed online whatsoever. Once online access has been gained to Module 2 (regardless of whether or not it falls within the first 15 days of purchase) NO REFUNDS will be allowed. In other words, a full refund will ONLY be granted if the refund request falls WITHIN the 15 day period following the purchase/enrollment/registration AND on condition that the student has not already commenced Module 2.
Initiating a Refund Request:

Should a course participant have successfully completed Module 1 within the first 15 days following the initial date of course enrollment (and had not yet gained online access to Module 2) and then decided not to proceed with the course, kindly reach out to us at [email protected] for a full refund upon which further online access to the course will be terminated.
Kindly mention in the email to [email protected] your course registration details and should you so wish, the reason for the refund request. While the reason is entirely optional, it may significantly contribute to our ongoing pursuit of excellence in the development of our learning content.

Refund Process:

Your request for a Refund will be reviewed without delay, upon which we will revert back to you via email. An eligible refund will be processed and automatically be applied to your original method of payment within 2 -10 business days, depending on the respective payment systems and financial platforms involved. Should the refund not reflect after this period, kindly contact us at [email protected]
Refund Fees and Costs:

NASPELING® does not charge any additional fees or costs in respect of refunds. However, any potential transaction fees, charges, or currency conversion amount differences by payment gateways during the purchase or refund process, can not be claimed.

Additional Refund Conditions:

NO REFUNDS will be allowed on Courses purchased during Promotional Sales Periods, commonly offered at a Discounted Rate.
NO REFUNDS will be allowed on courses/course material purchased with a discount code.
NO REFUNDS will be allowed where a Course completion certificate has been issued.
The above apply irrespective of the 15 day time period since enrollment/registrat on. In other words, courses purchased at a discounted rate or where a certificate has already been issued, NO REFUNDS will be considered.

NO WARRANTIES

The content, information, products, and/or services provided and license granted to the sales licensee under this agreement are provided on an “as is” basis, without any warranty of any nature. The website expressly disclaims any and all warranties, whether express or implied, including, without limitation, any implied warranties of merchantability or fitness for a particular purpose, to the full extent permissible by law. Specifically, but without limitation, the website disclaims any warranty with respect to any content, information, materials, products, and/or services provided. The company makes no warranties that the website will operate to meet your requirements or that any content and information presented here will be complete, current, or error-free.

INDEMNIFICATION

You agree to indemnify the Company and/or its employees, shareholders, or anyone working with us for, and to hold each Indemnified Person / Entity harmless against, any loss, liability, claims, damages, demands, actions, suits, or expenses, and reasonable legal fees (‘Liabilities”), arising in whole or in part, from a)actions or omissions, whether done negligently or otherwise by you or your representatives, b)all your actions and use of the Website, including the purchase of products or services, c)violation of any laws and rules by you, d)violation of the Terms & Conditions of this Website by you or your representatives, e)breach or infringement by you or your representatives of intellectual property rights. You will be notified of any such claims and the Company has the right to defend itself against these claims and reserves the right to defend any such liabilities or damage at your expense.

CHANGES AND AMENDMENTS

We reserve the right to modify this Agreement or its policies relating to the Website at any time, effective upon posting an updated version of this Agreement on the Website. When we do, we will revise the updated date at the top of this page. Continued use of the Website after any such changes shall constitute your consent to such changes.

SEVERABILITY

If any provision in these Terms of Use should be found invalid, illegal, or unenforceable by a court, such provision shall be deemed ineffective and be omitted from this Agreement. The validity, legality, and enforceability of the remaining provisions shall remain in full force and effect and will only be modified to the extent necessary in order to ensure such force and effect to the remaining provisions.

ACCEPTANCE OF THESE TERMS

These Terms & Conditions together with our Privacy Policy and Disclaimer constitute the entire Agreement between you and us relating to this Website. It supersedes all prior communications, negotiations, or proposals we may have had with you including verbally, in writing, or electronically. A printed version of the Terms & Conditions, including the Privacy Policy and Disclaimer, shall be admissible in judicial or administrative proceedings with respect to this Website to the same extent and effect as any of our other business contracts and documents kept and maintained in printed form.

You acknowledge that you have read this Agreement and agree to all its terms and conditions. By using the Website you agree to be bound by this Agreement. If you do not agree to abide by the terms of this Agreement, you are not authorised to use or access the Website.

CONTACT

For any questions or comments, please contact us at [email protected].

DISCLAIMER
Last Updated : October 2023

GENERAL INFORMATION

NASPELING® (“company”, “we”, “us”, “our”) hosts online course/s. In addition, we may create online communities for the sole purpose of shared dialogue, interpretation, thought, and debate in the interest of enhanced economic understanding and insight. In the event of participants/external parties occasionally sharing digital links or posts containing articles or contributions published by either participants themselves or by external parties, it should be noted that NASPELING® categorically distances itself from any unverified articles, facts or sources and misinformation for the purpose of political gain and/or to benefit any interest group.

Our course videos are accessible online only. We may, however, provide additional downloadable published articles related to some topics covered in certain course modules. This merely serves as an additional source for course attendees to read through and interpret, based on the learnings/topics covered in that module. Whilst adding these articles, NASPELING® does not, by implication, condone or necessarily agree with the opinion expressed as these articles explicitly serve as supplementary support toward economic interpretation.

Although the creation process of this course had been conducted through diligent research and verification and with the utmost care to ensure correctness at the time of publishing online, global events and their economic impacts constantly and exponentially evolve. The overall goal of NASPELING® constitutes bringing an improved understanding of and insight into the broader field of Economics to a wider audience.

NASPELING®, its content creator and author therefore claim complete impartiality and objectivity, and any information contained in this course that may be interpreted as an opinion, would in totality represent the views of the author and creator.

This website is inspired by the passion for skills development and education in the field of a general and broad level of Economic Understanding. We strive to provide insight into the discipline of economic fundamentals in an attempt to:

Serve as a supplementary medium toward academic studies in Economics
Reduce the globally high prevalence of Small Business Failure
Promote Successful Entrepreneurship
Build a confident workforce

to contribute toward the improvement of social upliftment and sustainable economic growth. We are by no means, nor do we claim to be, economists or professional financial/economic advisors. Our content should not be used as a substitute for any economic/financial advice or academic curricula from any formal or accredited institution or professional authority.

It is of paramount importance to note that the informational content included in all online course/s offered by NASPELING® - although developed from decades of corporate financial experience, continued studies, research, and observation – still remains the views of the founder of NASPELING®, Nancy Aspeling. Therefore, all course content merely serves to promote and/or support an insight and overall understanding of the complex and intricate field of Economics. Subsequently, no information or course content - neither as a whole nor in part - should be applied to replace any professional financial investment/economic advice, nor any academic lectures, teachings, or certifications from any formal or legally accredited/registered body or institution.

There are no guarantees of course outcomes and it remains incumbent upon each individual to seek a deeper understanding of any topic or subject matter mentioned or discussed throughout the course/s, should it be required in accordance with individual levels of understanding.

NASPELING® distances itself from any potential controversial views and/or opinions that may be expressed by any participant or user of this website and inclusive of its associated social media platforms. Whilst encouraging healthy and always respectful debate, we reserve the right to terminate individual access in the extreme occurrence of hate speech, bullying, abuse, defamation, or any kind of malicious and intimidating behaviour. By using this website, you accept full liability for any potential damages or harm, directly or indirectly, inflicted on the Website as a result of your violation of our Terms of Use, which incorporates our Disclaimer and Privacy Policy.

The term “you” refers to anyone who uses, visits, and/or views the website.

Please read this disclaimer carefully. By visiting and using this website, you accept and agree to be bound by this Disclaimer as well as our Terms of Use, Privacy Policy, and Refund Policy. We reserve the right to modify this Disclaimer at any time without notice and your continued use of our website, products, and/or services constitutes your acceptance of future changes and updates thereof.

GENERAL DISCLAIMER

All content and information on this website are intended for informational and educational purposes only. It does not constitute professional financial advice or economic decision-making of any kind and use of this website does not establish any kind of professional/client relationship. A potential professional/client relationship with you is only formed after we have expressly entered into a written and signed agreement with you which will include our fee structure and other terms to work with or collaborate with you, in a specific matter.

Although we strive to provide accurate general information, the information presented on this Website serves in no way as a substitute for any kind of professional advice or academic teachings, and you should not rely solely on this information alone.

EARNINGS, AFFILIATE/THIRD-PARTY LINKS DISCLOSURE AND DISCLAIMER

We may partner with other businesses or become part of different affiliate programs where we might promote or advertise these partners’ products or services on our website in exchange for commission and/or financial rewards when you click and/or purchase those products and/or services through our affiliate links. The commission earned by us through your purchase comes at no extra cost to you.

In the highly unlikely event of us recommending other products and/or services, take note that no such reference is intended to be an endorsement or statement that such information provided is accurate and/or beneficial to you. These recommendations are made based on our own personal experience but it is still your responsibility to conduct your own due diligence to ensure that you have obtained complete accurate information about such products and/or services.

These affiliate or third-party relationships and links in no way compromise the integrity of the course content or information being presented to you by NASPELING®, and you are under no obligation to click on these affiliate links to purchase those products or services being offered. These potential affiliate programs will be selected based on our personal experiences and preferences in order to potentially further expand your insight, understanding, and interpretation of economics as a whole.

Even though we may provide these affiliate links on the website for your convenience, we have no control over these external websites and they are solely responsible for their own content and information presented. Therefore NASPELING®, its employees, shareholders, successors, or anyone else working with us cannot be held liable or responsible for any content presented on these external websites and for any damages resulting from them. This Disclosure Policy applies to all affiliate links we share on our website, social media, emails, programs, products, and through any other means of communication with you.

Kindly note that our online course delivery facilitation is hosted on the Thinkific Learning Management platform with seamless redirection to and from our website.

NO WARRANTIES

LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, in no event will the Website, we, employees, shareholders, or anyone working with us be liable to any person for any direct, indirect, incidental, consequential, or any other damages or losses (including, without limitation, damages for lost profits, revenue, goodwill, use of content, impact on business, etc) resulting from your use of the website, however caused. These limitations of liability apply even if www.naspeling.com has been expressly advised of the potential loss.

By accessing this Website, you explicitly agree that it is done so at your sole risk and that you are solely and entirely responsible for the consumption of the information provided to you, your understanding, interpretation, actions, and the outcomes thereof, personal and business results, and for all other use in connection with and relating to the website.

You understand and acknowledge that you are entirely responsible for your reliance on the contents found on this website, and that NASPELING® and/or any shareholder, employee, or affiliated party is in no way responsible for any damage or loss arising from your use and reliance on the contents on this site or any related associated sites.

The Internet and any online business are constantly evolving. Information on this website should NOT be considered purely current/contemporary, complete, or exhaustive, and you should not rely on such information for a particular and specific decision.

You also explicitly agree that the Website, we, employees, shareholders or anyone working with us shall not be held liable for any damages from 1) any errors or submissions on the website, failure of performance of any kind, interruption in the operation and use of the Website and its potential associated sites, Website attacks such as computer viruses, hacking of personal information or any other system failures; 2) loss of income, use, data, revenue, profits, business or any goodwill pertaining to the Website, any theft or unauthorised access by third parties of your information from the website regardless of circumstance; and 3) any use/misuse of the products or services offered on the Website.

This limitation of liability shall apply whether such liability arises from perceived negligence, breach of contract, tort, or any other legal theory of liability. By accessing the Website, you understand and accept that we offer no express or implied guarantees/outcomes to you based on the content presented here, and you accept that no particular results are being promised to you here.

INDEMNIFICATION

You agree to indemnify the Company and/or its employees, shareholders, or anyone working with us for, and to hold each Indemnified Person / Entity harmless against, any loss, liability, claims, damages, demands, actions, suits, proceedings, or judgments, including costs, expenses and reasonable attorneys’/ legal fees (“Liabilities”) assessed against or otherwise incurred by you arising in whole or in part, from a) actions or omissions, whether done negligently or otherwise by you or your representatives, b) all your actions and use of the Website, including the purchase of products or services, c) violation of any laws, rules, regulations or ordinances by you, d) violation of the Terms of Use of this Website by you, your representatives or anyone related to you, e) breach or infringement by you or your representatives of intellectual property rights or other rights of anyone. You will be notified of any such claims and the Company has the right to defend itself against these claims and reserves the right to defend any such liabilities or damage at your expense.

CONTACT

For any further questions or comments, please contact us at [email protected].