Foresight Formula – Terms & Conditions and Privacy Policy

Background

Foresight Formula (“we”, “our” or “us”) is an educational platform operated from Lewes, Delaware, USA. The platform provides online courses, resources and consultancy to help individuals and businesses develop foresight skills. These Terms & Conditions and Privacy Policy explain the rules governing your use of ForesightFormula.net (the “Site”) and how we collect and process personal data. By using the Site, you agree to be bound by these terms and consent to our handling of your information. If you do not agree, please refrain from using the Site.

1  Terms & Conditions (T&C)

1.1   Definitions

• “User,” “you” or “your” – any individual or entity accessing or using Foresight Formula’s services, including students, instructors, subscribers and visitors.

• “Content” – all materials provided via the Site, including text, images, videos, course materials, documents, comments and communications. We do not claim ownership of user‑generated content; you retain your rights.

• “Services” – the educational courses, consultancy, subscription plans, downloadable resources and related support offered via ForesightFormula.net.

1.2   Acceptance of Terms

By using the Site, creating an account or purchasing a course, you agree to these Terms & Conditions and our Privacy Policy. You must be 16 years or older to create an account. We encourage you to read these Terms and the Privacy Policy carefully before using the Services.

1.3   User Responsibilities and Code of Conduct

Foresight Formula is a professional learning environment. You agree to:

• Provide accurate information when registering and keep your account details up‑to‑date.

• Respect intellectual property and only upload, share or use content you own or have rights to.

• Not engage in illegal activities; do not upload content that violates local laws, infringes copyright or is harassing, pornographic or otherwise inappropriate.

• Not share your login credentials or allow others to access your account. You are responsible for maintaining the confidentiality of your password and any activity under your account.

• Comply with all applicable laws, including intellectual property, privacy and data protection laws of Delaware, USA and any jurisdiction in which you access the Services.

1.4   Course Enrollment and Payments

• Access to courses – Some content is available for free; other courses or materials require payment. When you purchase access, you receive a limited, non‑transferable licence to view the course content for personal, non‑commercial use.

• Prices and taxes – Fees are displayed in South African Rand (ZAR) and may include value‑added tax (VAT) when applicable. You are responsible for any applicable taxes.

• Refunds – Unless stated otherwise, we offer a 7‑day money‑back guarantee from the date of purchase. To request a refund, contact support within seven days; refunds are at our sole discretion.

1.5   Intellectual Property

• Our content – All intellectual property in the Site and Services, including logos, course curricula, articles and graphics, is owned by or licensed to Foresight Formula. Except for the limited licence granted to you, no rights are transferred.

• User content – You retain ownership of content you upload (assignments, comments, etc.). However, by submitting content you grant Foresight Formula a worldwide, royalty‑free licence to use, reproduce, modify and distribute your content solely for operating and promoting the Services.

1.6   Third‑Party Links and Services

The Site may include links to third‑party sites or services, such as payment processors or external resources. Foresight Formula does not control these third‑party services and is not responsible for their content, privacy practices or performance. When you follow a link to another site, you should review its terms and policies.

1.7   Termination and Suspension

We may suspend or terminate your access to the Services at any time if you violate these Terms, misuse the Site or engage in fraudulent or illegal conduct. We reserve the right to remove or edit content that violates this agreement. You may close your account at any time by contacting support. Sections intended to survive termination, including intellectual property rights, limitation of liability and governing law, remain effective.

1.8   Disclaimers

• No professional advice – Content and courses on Foresight Formula are provided for educational purposes. Although instructors endeavour to provide accurate information, nothing on the Site constitutes legal, financial, investment or other professional advice; you should consult appropriate professionals before making decisions.

• Service availability – We strive to provide continuous access to the Site but do not guarantee it will be error‑free or uninterrupted. Events beyond our reasonable control (e.g., acts of God, war, malicious damage, strikes) may affect performance.

1.9   Limitation of Liability

To the maximum extent permitted by law:

• Foresight Formula’s total liability to you for any claim arising out of your use of the Services will not exceed the total fees you paid in the month when the loss occurred (if you access free content, liability is capped at €1 or equivalent).

• We are not liable for indirect, consequential or special damages, including loss of profit, revenue or data, arising out of your use of the Services.

• We are not responsible for delays or failures caused by circumstances beyond our reasonable control, such as power outages, natural disasters, strikes or the failure of communication networks.

• Nothing in these Terms excludes liability for death or personal injury caused by our negligence or fraud.

1.10   Governing Law and Dispute Resolution

These Terms are governed by the laws of Delaware, USA. You agree that any disputes will be subject to the exclusive jurisdiction of the courts of Delaware, USA. If any provision is held invalid, the remaining provisions remain enforceable.

1.11   Changes to Terms

We may update these Terms from time to time. When changes are material, we will notify users via email or a prominent notice on the Site. Continued use after the effective date indicates acceptance of the updated terms.

1.12   Contact Information

If you have questions about these Terms, please email legal@foresightformula.net.

2  Privacy Policy

2.1   Introduction

Foresight Formula respects your privacy and is committed to protecting your personal information. We collect personal information only when necessary and process it in a fair, lawful manner. This policy describes what information we collect, how we use it and your rights.

2.2   Information We Collect

We collect the following categories of data:

1. Personal Data – Information you provide when creating an account or interacting with our Services, such as your name, email address, postal address, telephone number and payment details.

2. Usage Data – Technical information collected automatically when you access the Site, such as IP address, device type, browser type, operating system, referring URLs, pages visited, access times and device identifiers.

3. Course Progress Data – Data about your course enrolments, progress, quiz scores, messages, comments and communications within the platform.

4. Cookies and Tracking Technologies – We use cookies and similar technologies to personalise your experience, remember your preferences and analyse site usage. Third‑party analytics and advertising providers may also use cookies.

5. Marketing Preferences – Records of your preferences about receiving newsletters and promotional communications.

6. Children’s Data – We do not knowingly collect personal information from anyone under the age of 16. If you are a parent or guardian and believe that your child has provided personal data without consent, please contact us so we can remove the data.

2.3   How We Use Your Data

We use collected data for the following purposes:

• Provide and maintain the Services – To deliver courses, process payments, communicate with you about your account and provide customer support.

• Improve and personalise – To customise content, analyse trends, monitor usage and develop new courses and features.

• Communications – To send you transactional messages (e.g., receipts, account notices) and, with your consent or where permitted by law, marketing communications about new courses or services. You can opt out at any time.

• Legal compliance and protection – To comply with legal obligations, resolve disputes, enforce our terms and protect our rights and users.

• Research and analytics – To better understand how users engage with the Services and improve our offerings.

2.4   Lawful Basis for Processing

We rely on the following legal grounds to process your personal information:

• Contractual necessity – When you sign up or purchase a course, we must process your personal data to fulfil our contractual obligations.

• Legitimate interests – We process data for purposes such as improving services, preventing fraud and sending marketing communications where permitted by law. You have the right to object to processing based on legitimate interests.

• Consent – We rely on consent where required (e.g., for certain marketing emails). You may withdraw consent at any time.

• Legal obligations – We may process data to comply with legal and regulatory requirements.

2.5   Data Transfers and Storage

Your information may be processed and stored on servers located outside your country of residence. We use third‑party hosting and processing providers and implement safeguards, such as contractual clauses and encryption, to protect your data. By using the Services, you consent to such transfers.

2.6   Data Retention

We retain personal data only as long as necessary for the purposes described in this policy or as required by law. We will keep your account information while your account is active and, upon deletion, retain minimal data for administrative, legal and security purposes.

2.7   Security

Foresight Formula takes reasonable administrative, technical and physical measures to protect your personal data. While no method of transmission or storage is completely secure, we employ industry‑standard encryption, secure access controls and regular security audits.

2.8   Sharing Your Data

We may share your personal information with the following categories of recipients:

• Service providers – Third‑party companies and individuals who support our operations (e.g., payment processors, hosting providers, analytics providers, email service providers). These third parties are contractually obligated not to disclose or use personal data for other purposes.

• Business partners – If we collaborate with partner organisations to offer joint events or programmes, we may share limited data necessary to deliver the service.

• Legal authorities – We may disclose data to comply with legal obligations, protect our rights or respond to lawful requests by public authorities.

• Asset transfers – In the event of a merger, acquisition or sale of assets, your information may be transferred to the acquiring entity.

We do not sell your personal data to third parties.

2.9   Your Rights

Depending on applicable data protection laws (including relevant US federal and state privacy laws and, where relevant, the EU General Data Protection Regulation [GDPR]), you may have the following rights:

• Access – Request a copy of the personal information we hold about you.

• Rectification – Ask us to correct inaccurate or incomplete data.

• Deletion – Request deletion of your personal data, subject to legal limitations.

• Restriction – Request that we limit processing under certain circumstances.

• Objection – Object to processing based on legitimate interests or direct marketing.

• Data portability – Request that we transfer your data to another service provider.

To exercise these rights, please contact privacy@foresightformula.net. We may require verification of identity. If you are unsatisfied with our response, you can lodge a complaint with the US Federal Trade Commission, a relevant state attorney general, or your local data protection authority.

2.10   Cookies and Tracking Technologies

You can set your browser to refuse all or some cookies or to alert you when websites set or access cookies. If you disable or refuse cookies, some parts of our Services may become inaccessible or not function properly.

2.11   Changes to This Privacy Policy

We may update this Privacy Policy periodically. When we make material changes, we will notify you via email or a prominent notice on our site and update the effective date. We encourage you to review this policy periodically.

2.12   Contact Us

For questions or concerns about this Privacy Policy or our data practices, contact us at privacy@foresightformula.net or write to: Foresight Formula, Lewes, Delaware, USA.

This document was last updated on 20 November 2025.