Terms & Conditions

Welcome to Heus.pro ("Website"). By accessing or using this Website and its services, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree, please do not use this Website.

This Website is owned and operated by Heus Limited ("The Company"), a company based in Suite C, Level 7, World Trust Tower, 50 Stanley Street, Hong Kong.

1. No Financial Advice Disclaimer

All content on this Website, including educational materials, articles, videos, and courses, is for informational and educational purposes only. Heus.pro does not provide financial, investment, tax, or legal advice. You acknowledge that:

• The Website does not offer personalised financial recommendations.
• You should consult with a licensed financial professional before making any investment decisions.
• Financial trading involves risks, and you should not invest money you cannot afford to lose.

2. No Fiduciary Relationship

Your use of this Website does not create a fiduciary relationship between you and The Company. We are not responsible for making financial decisions on your behalf, nor do we have any obligation to act in your best financial interests.

3. No Liability for Losses

You agree that The Company shall not be responsible for any financial losses, damages, or liabilities incurred as a result of using this Website or applying any information provided herein. You assume full responsibility for your investment and financial decisions.

4. No Guarantee of Results

The Company does not guarantee any specific outcomes, including but not limited to profits, returns, or financial improvements, from the use of this Website or its educational content. Past performance is not indicative of future results.

5. Endorsement of Brokers and Third-Party Services

This Website may reference or include links to third-party services, brokers, or financial platforms. While we may endorse or recommend certain brokers and services, you acknowledge that:

• The Company does not control or operate these third-party services.
• Any decision to engage with a broker or financial service provider is solely at your own risk.
• You are responsible for conducting your own research and due diligence before using any recommended broker or service.
• The Company is not liable for any losses, damages, or disputes that arise from your use of third-party services or brokers.
• The Company's endorsement of a broker or third-party service does not imply ongoing monitoring, verification, or guarantee of their performance.
• The Company may receive compensation, commissions, or other financial incentives from brokers or third-party services we endorse. These affiliate relationships do not influence our recommendations, and we strive to provide unbiased information.
• Endorsement does not mean ongoing monitoring or guarantee of third-party performance. The Company does not assume responsibility for any changes, service disruptions, or failures related to third-party services.
• Endorsement of any broker or service does not imply any legal responsibility for the actions, conduct, or services of third parties. Users accept full responsibility for their engagement with third-party services.

6. Intellectual Property Rights

All content on this Website, including text, graphics, logos, videos, and educational materials, is the intellectual property of Heus.pro and is protected by copyright laws. Users may not copy, distribute, resell, or reproduce any materials without explicit written permission.

7. Refund Policy & Right to Refuse Service

If you purchase a course, membership, or digital product, our refund policy is as follows:

• Refunds are available within 7 days of purchase, provided the customer has not accessed or consumed a significant portion of the digital product or service. After this period, all sales are final. Refund requests must be submitted in writing to soporte@heus.pro and will be processed at our discretion.
• In cases where a customer disputes a refund based on claims of non-access, Heus.pro may request proof of access logs or engagement metrics to verify usage. If it is determined that the customer has accessed a significant portion of the product, the refund request may be denied.
• Chargeback fraud will be contested, and The Company reserves the right to suspend accounts of customers engaging in fraudulent chargebacks.
• Heus.pro reserves the right to refuse service to any customer at its sole discretion.
• If a customer engages in unethical, dangerous, violent, aggressive, or otherwise inappropriate behaviour, The Company may terminate their access and issue a refund at its discretion.

8. Governing Law & Dispute Resolution

These Terms shall be governed by the laws of Hong Kong, without regard to its conflict of law principles. Any disputes shall be resolved through binding arbitration, except for claims that qualify for small claims court or cases involving intellectual property rights, which may be brought before a court of competent jurisdiction in Hong Kong and shall not be subject to class-action lawsuits.

The arbitration shall be conducted in accordance with the rules of the Hong Kong International Arbitration Centre (HKIAC). The arbitration shall take place in Hong Kong, and the language of arbitration shall be English.

Each party shall bear its own legal fees and costs associated with arbitration, except where the arbitrator determines that costs should be reallocated in the interests of justice or as required by the applicable arbitration rules.

By agreeing to arbitration, both parties waive their right to a trial by jury or to participate in a class-action lawsuit.

9. Changes to These Terms

We reserve the right to modify these Terms at any time. Any updates will be posted on this page, and continued use of the Website constitutes acceptance of the revised Terms. Users will be notified of significant changes via email or a prominent notice on the Website. If required by law, users may need to accept the new Terms before continuing to use the service.

10. No Warranties & Limitation of Liability

The Website and its services are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. The Company makes no warranties or representations regarding:

• The accuracy, reliability, or completeness of any content or materials provided.
• The availability or uninterrupted operation of the Website.
• The suitability or effectiveness of the educational content for achieving specific financial results.

The Company expressly disclaims all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. You acknowledge that any reliance on the Website's content is at your own risk.

The Company shall not be liable for any indirect, incidental, punitive, or consequential damages, including but not limited to lost profits, loss of data, business interruption, or reputational harm arising from the use of the Website or its services.

10.1 Security & Protection Against Malicious Software

We do not guarantee that our website will be secure or free from bugs, malware, or viruses. You are responsible for ensuring that your technology, computer systems, and software are adequately protected before accessing our Website. We strongly recommend using reliable virus protection software.

You must not:

• Introduce viruses, trojans, worms, logic bombs, or any other harmful or malicious material.
• Attempt to gain unauthorised access to Heus.pro, our servers, or any system connected to our platform.
• Attack our Website through denial-of-service (DoS) or distributed denial-of-service (DDoS) methods.

Any violation of this provision may constitute a criminal offence under applicable cybersecurity laws. Heus Limited will report such breaches to the appropriate law enforcement authorities and fully cooperate in any investigations. In the event of a violation, your access to our services will be terminated immediately.

11. Indemnification

You agree to indemnify, defend, and hold harmless The Company, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, legal fees, and expenses arising from:

• Your use of this Website or its services.
• Your violation of these Terms.
• Any disputes related to third-party services or brokers endorsed on this Website.
• Your misuse of educational content or reliance on Website information.

12. Contact Information

If you have any questions about these Terms, please contact us at soporte@heus.pro.

By using this Website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.