Full terms for using Cur Nova courses, tokens and AI features.

1.1. These Terms and Conditions ("Terms") govern your access to and use of cur-nova.com, its dashboards, applications and downloadable content (the "Service"), operated by CUR NOVA LTD (company number 17240836, Dept 6831, 196 High Road, Wood Green, London, N22 8HH, United Kingdom) (“Cur Nova”, “we”, “us”).

1.2. By creating an account, purchasing Tokens, ordering ready-made or custom courses, or using any AI-powered feature, you agree to these Terms. If you disagree, you must not use the Service.

• 1.3. Cur Nova is education-only. We do not execute trades, hold client funds, operate as a broker/exchange, deliver investment management or personalised financial advice.
• 1.4. References to strategies, signals or systems are illustrative only. Nothing on the Service is a recommendation to trade or to use any broker or instrument.
• 1.5. The Service is bilingual (English and Modern Standard Arabic). If a translation conflicts with the English version, the English text controls.

3.1. You must be 18+ or properly authorised to bind your organisation.

3.2. Provide accurate, current information when registering and keep it updated. We may verify details such as email ownership.

3.3. You are responsible for credential security and must notify info@cur-nova.com of any suspected misuse.

3.4. We may refuse, suspend or cancel accounts for compliance, fraud, sanctions or operational reasons.

• 4.1. We provide self-service educational tools: ready-made courses, custom courses, AI Strategy Builder outputs, risk resources and glossaries.
• 4.2. A contract arises when you create an Account and each time you buy Tokens, courses, or redeem Tokens for custom/AI outputs.
• 4.3. Nothing we publish is investment advice, trade recommendations or performance guarantees.
• 4.4. We are not your agent, broker, asset manager or custodian and do not open or monitor trading accounts.
• 4.5. You remain responsible for complying with laws, broker rules and any third-party platform policies.

• 5.1. Services may include bilingual courses, token packs, custom coursework, AI outputs, risk/journal templates, dashboards, billing history and calculators.
• 5.2. Custom and AI outputs rely on your Client Data; incomplete inputs lead to less relevant content. Regeneration normally requires extra Tokens.
• 5.3. We strive for coherent, structured content but cannot guarantee error-free or real-time market accuracy.
• 5.4. Delivery occurs when files are available in your dashboard and/or via email links. Email issues do not invalidate delivery if the dashboard copy exists.
• 5.5. We may update or retire catalogue items for future customers without affecting content you already own.

6.1. You warrant you have rights to submit Client Data and that it is lawful and accurate.

• 6.2. Client Data must not infringe third-party rights, include unnecessary sensitive data, or contain malware.
• 6.3. Back up any notes or journals you want to keep; we do not guarantee long-term archiving.
• 6.4. You grant Cur Nova a worldwide, royalty-free licence to use Client Data to deliver the Service, improve it (in aggregate) and comply with law, as detailed in the Privacy Policy.

• 7.1. Do not attempt to access others’ accounts, bypass security, scrape large volumes, or run automation that stresses the Service.
• 7.2. Do not promote illegal activity, market abuse or resell our content as if it were personalised financial advice.
• 7.3. We may rate-limit, suspend or terminate accounts when we suspect abuse, legal risk or threats to system integrity.

• 8.1. Token packs (e.g., Focused Start, Structured Growth, Discipline Pro) and custom top-ups clearly display price and included Tokens.
• 8.2. GBP is the base currency. Prices may be shown in EUR, USD, Saudi Riyal or other currencies; final charges and FX handling appear at checkout.
• 8.3. Wallet balances are advance payments for digital features and are not bank or e-money accounts.
• 8.4. By submitting a card you confirm authority to use it; payments are processed by trusted PSPs and we do not store full PAN/CVV data.
• 8.5. Tokens are deducted when you pay with Tokens, request custom courses, run AI strategies or use any Token-priced feature.
• 8.6. Some ready-made courses can be purchased directly by card; the option is shown before checkout.
• 8.7. Tokens currently have no expiry date, but we may introduce fair-use or dormancy rules with notice.
• 8.8. We issue electronic receipts/invoices for token purchases and card-based orders; access them via your dashboard and email.

• 9.1. Because products are digital, performance can begin immediately; statutory cancellation rights may be limited once delivery starts.
• 9.2. Token top-ups are generally non-refundable, except for clear technical errors or duplicate payments attributable to us.
• 9.3. If you cannot access purchased content, contact us promptly. We may re-provide the file, re-credit Tokens or refund at our discretion.
• 9.4. Initiating unjustified chargebacks may lead to suspension, Token removal and recovery of investigation costs where lawful.

• 10.1. The Service (software, UI, branding, templates, videos) belongs to Cur Nova or its licensors.
• 10.2. We grant you a personal, non-transferable licence to use delivered PDFs and AI outputs for your own learning or internal training.
• 10.3. You must not resell, publicly distribute, claim authorship, or remove proprietary notices without written consent.
• 10.4. Ownership of our IP stays with us. We do not claim ownership of your Client Data beyond the licence in clause 6.4.

11.1. Each party may receive confidential information. It must be used only for providing/using the Service and protected with reasonable care.

11.2. Confidentiality does not apply where information is public, already known, independently developed, or legally required to be disclosed (with notice where lawful).

• 12.1. The Service relies on third parties (payments, hosting, AI, video, analytics). Their own terms apply.
• 12.2. We are not responsible for availability or performance of third-party platforms and do not endorse them.
• 12.3. You are responsible for ensuring integrations (e.g., Google login, embedded videos) are lawful for your use case.

13.1. We warrant we are entitled to operate the Service and will use reasonable skill and care.

• 13.2. Otherwise, the Service and all digital content are provided “as is” without implied warranties of merchantability, fitness, non-infringement or uninterrupted operation.
• 13.3. We do not guarantee completeness, accuracy, profitability, availability, bug-free performance, or improved trading outcomes.
• 13.4. Trading forex, crypto and binaries is high risk and may result in total loss. Past or hypothetical performance is not reliable.
• 13.5. Additional disclosures appear in the Risk & Disclaimer policy, which forms part of these Terms.

You agree to indemnify and hold harmless Cur Nova and its personnel against claims, damages, costs and legal fees arising from your unlawful use of the Service, breach of these Terms or infringement caused by your Client Data or misuse of our content.

• 16.1. We act as a data controller under UK GDPR/Data Protection Act 2018. See the Privacy Policy for details.
• 16.2. We share necessary personal data with trusted processors (payments, hosting, analytics, AI providers, email) strictly to operate and secure the Service.
• 16.3. International transfers use lawful safeguards such as standard contractual clauses.
• 16.4. You can exercise access, rectification, erasure, restriction, portability or objection rights via info@cur-nova.com.

• 17.1. We may suspend/terminate access if you breach these Terms, commit fraud, pose security risks, or if mandated by law/regulators/partners.
• 17.2. You may close your account at any time, but closure does not automatically refund unused Tokens (see clause 9).
• 17.3. Upon termination your right to access the Service ceases; we retain records required for tax, fraud prevention and compliance.

• 18.1. We may update, modify or discontinue features, pricing or catalogue items to reflect operational or legal changes.
• 18.2. Material updates to these Terms or policies will be communicated via email, dashboard alerts or on-site notices.
• 18.3. Continued use after the effective date of updates constitutes acceptance. If you disagree, stop using the Service and request account closure.

• 19.1. These Terms are governed by the laws of England and Wales.
• 19.2. Courts of England and Wales have exclusive jurisdiction, except consumer residents of Scotland, Northern Ireland or EU states may rely on local courts where permitted.

• 20.1. If any provision is unenforceable, it will be enforced to the maximum lawful extent; the rest remain effective.
• 20.2. Delay in exercising rights is not a waiver.
• 20.3. You may not assign obligations without our consent; we may assign to affiliates or as part of corporate transactions.
• 20.4. These Terms plus referenced Legal Policies are the entire agreement regarding the Service.

• Cur Nova — operated by CUR NOVA LTD
• Registered office: Dept 6831, 196 High Road, Wood Green, London, N22 8HH, United Kingdom
• Company number: 17240836
• Email: info@cur-nova.com