Terms & Conditions

WEBSITE TERMS OF USE

You must be 18 years of age to become a member of the Learn Spread service. The member who created the Learn Spread account and whose Payment Method is charged is referred to here as the “Account Owner” or a “Member” having a “Membership”.

Learn Spread reserves the right, in our sole discretion, to change, modify, add, or remove portions of these Terms and Conditions at any time by posting the revisions on the site. You should check these Terms periodically for changes as by using the site after we post any changes to them, you agree to accept them, whether or not you have reviewed them, and you waive any right you may have to receive individualised notice of such changes.

Using the site, whether as a guest or a registered user, you agree to be legally bound by these Terms just as if you had signed this agreement. These Terms may be supplemented by additional terms and conditions pertaining to specific content and activities. You agree and understand that such additional terms and conditions are hereby incorporated by reference to these Terms. You are responsible for making all arrangements necessary for you to have access to the site. You are also responsible for ensuring that all persons who access the site through your Internet connection are aware of these Terms and that they comply with them. From time to time, access to some parts of the site, or the entire site, may be restricted to registered users. Further terms and conditions shall apply to such registered users, which the user will be asked to accept within the relevant pages.

From time to time, Learn Spread and any of its officers and employees, may, to the extent permitted by law, have a position or interest in the instruments – or derivatives of instruments – covered directly or indirectly by our reports.

The images on Learn Spread are intended for illustration purposes only. They are not actual photographs of our employees, offices, or facilities.

MEANINGS

Cookie: A cookie is a small piece of data that a website asks your browser to store on your computer or mobile device. The cookie allows the website to “remember” your actions or preferences over time.

Company: When this policy mentions “Company,” “we,” “us,” or “our,” it refers to MARMOVITS OÜ with its registered address at Harju maakond, Keila linn, Koidu tn 92, 76605, Estonia, that is responsible for your information under these Terms and Conditions.

Country: The country where MARMOVITS OÜ is based is Estonia.

Device: Any internet-connected device such as a phone, tablet, computer, or other devices that can be used to visit MARMOVITS OÜ and use the services.

Service: Refers to the service provided by MARMOVITS OÜ as described in the relative terms (if available) and on this platform.

Third-party service: Refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose services we think may interest you.

Website: MARMOVITS OÜ’s website is https://oxford.fm/.

You: A person or entity registered with MARMOVITS OÜ to use the Services.

INVESTMENT WARNINGS

We would like to draw your attention to the following important investment warnings.

a) The value of shares and investments and the income derived from them can go down as well as up;

b) When speculating on derivatives, losses can exceed deposits;

c) Investors may not get back the amount they invested, and losses can exceed deposits – substantial losses greater than your capital are a real risk;

d) Past performance is not a guide to future performance;

e) Some instruments, such as derivatives, may be disproportionately impacted by changes in the underlying instruments on which they are based and, as such, are particularly high-risk investments;

f) For some of the instruments covered in our research, price discovery and liquidity may, from time to time, be impacted by market conditions, making it hard to deal with those instruments or ascertain their correct market value.

MEMBERSHIP

Learn Spread offers access to its educational content on a tiered Membership basis (“Membership”). You may receive access to each level by purchasing a package. Each package affords you access to the relevant courses as defined in the Packages list. Purchased courses & e-books are available for 1 year after the purchase.

To become a Member of the site, you must have internet access and provide us with certain personal details, including a current, valid, accepted method of payment on entry to the site (as such may be updated from time to time “Payment Method”) to use the Learn Spread service. We will bill the fee to your Payment Method upfront. We reserve the right to modify, terminate, or otherwise amend our offered membership plans.

FULFILMENT POLICY

At Learn Spread, we ensure that the services we provide are satisfactory. Customer satisfaction is our utmost priority as we take all complaints about our services very seriously. This Fulfilment Policy (the “Policy”) informs you about our delivery policy and the rules and guidelines relating to the refunds for services purchased on our website. Please read this Policy carefully to understand your rights and the requirements for the refund.

DELIVERY POLICY

At Learn Spread, we sell online courses (digital goods). We deliver our products to users via emails right after they purchase one of the courses we offer on our website as it suits our business.

CANCELLATION

All Membership Fees are fully earned upon payment and are non-refundable except during the first 30 days since the beginning of the Membership under the condition that you have viewed no more than 50% of the lessons made available to you in the Trading Essentials, Technical Trading and Strategic Trading courses.

You can request a refund by emailing us at office@oxford.fm stating your wish to receive a refund and your full name. We will carry out the reimbursement using the same means of payment as you used for the initial transaction.

Once we receive your cancellation request, you will cease to have access to the site immediately.

CUSTOMER COMPLAINTS

General notes:

Learn Spread is committed to the highest level of service and client satisfaction. Any dissatisfaction in connection with Services, feedback or voicing a client’s opinion can be registered as a complaint. See the instructions below.

Learn Spread is committed to treating you with respect and transparency, handling the complaint fairly, and responding promptly. The response shall strive to be constructive and include an explanation and reasoning when possible.

How to register a complaint?

Provide and identify information about yourself.

Send your complaint via email to: office@oxford.fm. Please state “complaint” in the subject.

Stage one: complaint investigation
Our staff will examine the complaint within 7 business days. The company response will be delivered to the Claimant by email or by certified mail. In special circumstances, the company may add an additional 7 days to the examination period above. The claimant will be informed as to the reason for the delay.

APPLICATIONS

You may encounter third-party applications (including, without limitation, websites, widgets, software, or other software utilities) (“Application(s)”) that interact with the Learn Spread service. These Applications may import data related to your Learn Spread account and activity and otherwise gather data from you. These Applications are provided solely as a convenience to you, and Learn Spread is not responsible for such Applications. Such applications are owned or operated by third parties unrelated to or sponsored by Learn Spread. Use of an application is at your option and risk.

THIRD-PARTY MATERIALS

Learn Spread may provide access or links to third-party information, content, products, services, or other materials on or through the site (collectively the “Third Party Materials”) as a service to those interested in such Third Party Materials. Learn Spread does not screen, approve, monitor or have any control over any Third Party Materials and is not responsible or liable for such Third Party Materials in any manner or for any harm caused thereby. You will be solely responsible for any harm, including any damage to your computer system or data loss resulting from using or downloading any Third Party Materials. All third-party materials with all faults are provided on an “as-is” basis.

Learn Spread does not endorse or adopt any Third Party Materials. It cannot guarantee the quality, accuracy, completeness, reliability, safety, timeliness or appropriateness of such Third Party Materials. Learn Spread does not make any representations or warranties regarding the Third Party Materials and undertakes no responsibility to update or review any Third Party Materials. Users use such Third Party Materials at their own risk.

ACCEPTABLE USE OF THE SITE

It is impossible to provide an exhaustive list of exactly what constitutes acceptable and unacceptable use of this site. In general, Learn Spread will not tolerate it. You agree not to engage in any use of the site which damages or is likely to damage our reputation or the availability or integrity of the site, which causes harm of any kind to Learn Spread or its users or which causes us or threatens to cause us to incur any legal, tax, financial, regulatory or other liability (“Misuse”). We, therefore, request you treat our Site with respect, and you agree not to use the site for any illegal or improper purpose or in such a way as to infringe or breach other’s rights or to cause or threaten to cause damage or harm Learn Spread or its users (which shall also constitute Misuse). Without limiting any of the foregoing, you agree not to use the site or cause or permit the site to be used:

a) To jeopardise or prejudice the operation, quality or integrity of the site or the operation, quality or integrity of any telecommunications network.
b) To harvest or otherwise collect information about others, including e-mail addresses, without their consent.
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Terms & Conditions
WEBSITE TERMS OF USE

You must be 18 years of age to become a member of the Oxford.fm service. The member who created the Oxford.fm account and whose Payment Method is charged is referred to here as the “Account Owner” or a “Member” having a “Membership”.

Oxford.fm reserves the right, in our sole discretion, to change, modify, add, or remove portions of these Terms and Conditions at any time by posting the revisions on the site. You should check these Terms periodically for changes as by using the site after we post any changes to them, you agree to accept them, whether or not you have reviewed them, and you waive any right you may have to receive individualized notice of such changes.

Using the site, whether as a guest or a registered user, you agree to be legally bound by these Terms just as if you had signed this agreement. These Terms may be supplemented by additional terms and conditions pertaining to specific content and activities. You agree and understand that such additional terms and conditions are hereby incorporated by reference to these Terms. You are responsible for making all arrangements necessary for you to have access to the site. You are also responsible for ensuring that all persons who access the site through your Internet connection are aware of these Terms and that they comply with them. From time to time, access to some parts of the site, or the entire site, may be restricted to registered users. Further terms and conditions shall apply to such registered users, which the user will be asked to accept within the relevant pages.

From time to time, Oxford.fm and any of its officers and employees, many, to the extent permitted by law, have a position or interest in the instruments – or derivatives of instruments – covered directly or indirectly by our reports.

The images on Oxford.fm are intended for illustration purposes only. They are not actual photographs of our employees, offices, or facilities.

MEANINGS
A cookie is a small piece of data that a website asks your browser to store on your computer or mobile device. The cookie allows the website to “remember” your actions or preferences over time.

Company: When this policy mentions “Company,” “we,” “us,” or “our,” it refers to MARMOVITS OÜ with its registered address at Harju maakond, Keila linn, Koidu tn 92, 76605, Estonia, that is responsible for your information under these Terms and Conditions.

Country: where MARMOVITS OÜ is based, in this case, is Estonia.

Device: any internet-connected device such as a phone, tablet, computer, or other devices that can be used to visit MARMOVITS OÜ and use the services.

Service: refers to the service provided by MARMOVITS OÜ as described in the relative terms (if available) and on this platform.

Third-party service: refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose services we think may interest you.

Website: MARMOVITS OÜ's website is https://oxford.fm/

You: a person or entity registered with MARMOVITS OÜ to use the Services.

INVESTMENT WARNINGS
We would like to draw your attention to the following important investment warnings.

a) The value of shares and investments and the income derived from them can go down as well as up;
b) When speculating on derivatives, losses can exceed deposits;
c) Investors may not get back the amount they invested, and losses can exceed deposits – substantial losses greater than your capital are a real risk;
d) Past performance is not a guide to future performance;
e) Some instruments, such as derivatives, may be disproportionately impacted by changes in the underlying instruments on which they are based and, as such, are particularly high-risk investments;
f) For some of the instruments covered in our research, price discovery and liquidity may, from time to time, be impacted by market conditions, making it hard to deal with those instruments or ascertain their correct market value.

MEMBERSHIP
Oxford.fm offers access to its educational content on a tiered Membership basis (“Membership”). You may receive access to each level by purchasing a package. Each package affords you access to the relevant courses as defined in the Packages list. Purchased courses & e-books are available for 1 year after the purchase.

To become a Member of the site, you must have internet access and provide us with certain personal details, including a current, valid, accepted method of payment on entry to the site (as such may be updated from time to time “Payment Method”) to use the Oxford.fm service. We will bill the fee to your Payment Method upfront. We reserve the right to modify, terminate, or otherwise amend our offered membership plans.