Stock Market College - Professional Trading Education

Stock Market College

Terms of Purchase

Harzel, Inc. t/a Stock Market College

Last updated: September 2026

Please read these Terms of Purchase ("Terms") carefully before completing your purchase of any course, product, program, or service ("Product") from Harzel, Inc. trading as Stock Market College (the "Company", "we", "us", "our").

The Product(s) may include live or recorded course access; live group coaching calls via video conferencing software; course content and materials; guides, resources, checklists available for viewing or download; and other educational information and materials (collectively, the "Content"). Access to the Content is provided through websites or platforms owned, licensed, or operated by the Company, including but not limited to Kajabi, community platforms, or similar online systems (the "Site").

By purchasing, accessing, or using any Product(s), you agree to be bound by these Terms, together with our Website Terms & Conditions, Privacy Policy, and Disclaimers (collectively, the "Agreement"). If you do not agree to these Terms, do not complete your purchase.

In the event of any conflict between these Terms and any other policy, these Terms shall prevail.

You must be 18 years of age or older to purchase any Product from the Company.

Payment Options

The Company currently offers payment via Stripe (card payments) and PAYM8 (debit order / EFT collection from your nominated cheque or transaction account) for all South African Bank cheque account holders. The payment method(s) available for a given Product will be presented to you at checkout. Except where this section expressly distinguishes between them, the same obligations set out below apply regardless of which payment method you select.

1. Once-Off Payment Option

In consideration for access to the Product(s), you agree to pay the full purchase price (including all applicable taxes and fees) as displayed at checkout.

You authorise the Company to charge your provided payment method via Stripe or PAYM8, as selected by you at checkout or via EFT.

You represent and warrant that:

You are legally authorised to use the selected payment method; and
All payment information provided is true, accurate, and complete.

The Company reserves the right to refuse or cancel any order at its discretion, including where fraud, unauthorised use, pricing errors, or product availability issues are suspected.

All payments are final except as expressly provided under the Refund Policy.

2. Monthly Payment Plan Option

The Company may offer a monthly payment plan for certain Product(s).

By selecting this option, you agree to pay the full purchase price in recurring monthly instalments as displayed at checkout, or you agree to pay a deposit along with monthly recurring payments. Payments are processed automatically via Stripe (card) or PAYM8 (debit order/EFT from your nominated cheque or transaction account), depending on the payment method you selected at checkout. The amounts of both the deposit and the monthly payments are stipulated in your purchase agreement.

Learning Management Content Delivery

Course material is delivered via Kajabi, an online learning management system.
The course material is accessible once payment reflects.
The student has lifetime access to all relevant courses.
The Company reserves the right to pause, restrict, or revoke access if any payment fails, is reversed, or is disputed.

Payment Obligations

By selecting a payment plan, you acknowledge:

This is not a subscription
This is a binding instalment agreement for a fixed-price Product
You remain responsible for all remaining instalments, regardless of usage or participation

If a payment is not successfully collected when due, the Company may, without limitation and to the extent permitted by law:

immediately suspend or terminate your access to the Content;
attempt to re-process the payment;
refer the outstanding balance to a third-party debt collection agency, or to its internal credit control function, for recovery; and
report the default to credit bureaus or payment processors where applicable.

You remain liable for all reasonable collection costs incurred as a result of your default, to the extent permitted by law.

No Early Termination

Once the 7-calendar-day refund period has expired, the payment plan cannot be cancelled or terminated early.

All payments are final except as expressly provided under the Refund Policy.

The specific Product purchased, the total purchase price, and (where applicable) the number, amount, and frequency of instalments will be set out in your checkout confirmation and/or order/enrolment agreement issued to you at the time of purchase (the "Order Confirmation"). The Order Confirmation forms part of, and is incorporated by reference into, this Agreement. In the event of any conflict between the Order Confirmation and these Terms as to price or payment schedule, the Order Confirmation prevails.

Refund Policy

If you believe a Product is not suitable, you may request a refund by emailing creditcontrol@stockmarketcollege.com within 7 calendar days of purchase.

Approved refunds will be processed to the original payment method — via Stripe for card payments, or via PAYM8/EFT for debit-order payments — or, where a refund to the original payment method is not possible, by bank transfer to an account you nominate. The Company does not control processing times, which may vary by payment method and financial institution.

If you purchase via a monthly payment plan and do not request a refund within the refund window, you are legally obligated to complete all remaining instalments.

No refunds will be issued after the refund deadline under any circumstances.

Upon requesting or receiving a refund:

Your license to use the Product(s) is immediately revoked
You must cease using and permanently delete all Content

Refunds will not be issued to users who initiate a chargeback, debit order dispute, or bank reversal instead of following this refund process.

Chargebacks, Debit Order Disputes, Payment Disputes & Fraud Prevention

You agree not to initiate a chargeback (for card payments), a debit order dispute or unpaid/reversal instruction (for PAYM8/EFT payments), or any other payment reversal, without first contacting support@stockmarketcollege.com and allowing the Company a reasonable opportunity to resolve the matter. Nothing in this section limits any right you may have under applicable law, or under your bank's or card issuer's rules, to dispute a transaction; it requires only that you give the Company an opportunity to resolve the matter directly first.

Digital Delivery Acknowledgement

You acknowledge that:

The Product(s) are digital educational products
Access constitutes full delivery
Progressive or drip delivery constitutes valid delivery

Chargeback / Debit Order Reversal Abuse

Initiating a chargeback, debit order dispute, or bank reversal without first following the Refund Policy constitutes a material breach of these Terms.

In such cases, the Company may:

Immediately revoke access
Terminate all licenses
Continue collection of outstanding balances

The Company may submit access logs, delivery records, and these Terms to payment processors, banks, or debt collection agencies, as applicable.

Administrative Fees

You agree to reimburse the Company for any chargeback, debit order reversal, or dispute-related fees it incurs as a result of your action, where permitted by law.

Fraudulent Activity

Suspected fraud may be reported to payment processors, financial institutions, and authorities.

Disclaimer

1. Not Professional Advice

The Product(s) are for educational purposes only and do not constitute financial, legal, medical, or professional advice.

2. No Professional-Client Relationship

Your purchase does not create a professional-client relationship.

3. Personal Responsibility

You accept full responsibility for your actions and results.

Confidentiality

You agree not to share proprietary or confidential Content or other users' information without written consent.

User Submissions & Recordings

You grant the Company an irrevocable, royalty-free commercial license to use submitted materials and recordings of live sessions.

Intellectual Property

All Content, branding, materials, and systems are owned by the Company or licensors. No ownership rights are transferred. Any unauthorised use results in immediate termination without refund.

Equitable Relief

The Company is entitled to injunctive relief in the event of IP or confidentiality breaches.

Limitation of Liability

To the fullest extent permitted by law, the Company's liability is limited to the amount paid for the Product.

No Warranties

All Product(s) are provided "AS IS" without warranties of any kind.

Indemnification

You agree to indemnify and hold the Company harmless from all claims arising from your use or breach.

Force Majeure

The Company is not liable for delays or failures caused by events beyond its reasonable control.

Changes to Terms

The Company may modify these Terms at any time. Continued use constitutes acceptance.

Severability

Invalid provisions will be enforced to the fullest extent possible; remaining Terms remain in effect.

Entire Agreement

These Terms constitute the entire agreement between you and the Company.

Alternative Dispute Resolution

You agree to attempt mediation before filing any legal action.

Governing Law & Jurisdiction

These Terms are governed by the laws of the State of Delaware, with exclusive jurisdiction in Delaware courts.

Contact

For questions, contact:
📧 support@stockmarketcollege.com