Terms and Conditions

1. Introduction & Scope

Welcome to Pennyswift. By accessing or using our platform, website, courses, and onboarding coordination services, you agree to be bound by these Terms and Conditions. If you do not agree, you must immediately cease usage of our services.

2. Business Model & Core Disclaimers

Pennyswift is strictly an educational and coordination provider. We do not operate as a financial broker, we do not hold client trading funds, we do not process financial deposits or withdrawals, and we do not execute trades. All copy-trading activities occur externally on third-party brokerage systems.

Any profit-sharing or performance fees are settled externally through the infrastructure of your chosen broker. Pennyswift charges zero direct fees to clients for copy-trading setup.

3. Eligibility

To register an account and participate in our mentorship or onboarding ecosystems, you must be at least 18 years of age (or the age of legal majority in your jurisdiction) and possess the full legal capacity to enter into binding agreements.

4. User Account Security

You are solely responsible for maintaining the confidentiality of your account password and session credentials. Any activity occurring under your registered profile is your direct responsibility. You agree to notify us immediately of any unauthorized access.

5. Intellectual Property

All course material, videos, graphics, brand marks, software scripts, and written resources provided through Pennyswift are the exclusive intellectual property of Pennyswift. No portion of this content may be copied, redistributed, or sold without prior written consent from the executive administrators.

6. Limitation of Liability

Pennyswift, its directors, educators, and affiliates, shall not be held liable for any financial losses, capital depletion, system failures, or software errors arising from your external trading activities. Forex and contract-for-difference (CFD) trading is highly speculative and carries a substantial risk of loss.

7. Modification of Terms

We reserve the right to amend, update, or rewrite these Terms and Conditions at any time. When updates occur, the changes will become effective immediately upon posting to this website page. Your continued use of the platform constitutes agreement to the updated terms.

8. Jurisdiction & Governing Law

These terms are governed by and construed in accordance with the laws of South Africa. Any disputes arising out of the use of this platform shall be subject to the exclusive jurisdiction of the competent courts of South Africa.