Terms & Conditions

Terms & Conditions

Welcome to XaloF. These terms and conditions are an agreement between all Users of the website (individually referred to as “You”, “Your”, or “User”) and Coineducation Limited, trading as XaloF, (and may also be referred to as “XaloF”, “we”, “Our Website”). Wherever you live, these terms is entered between You and Coineducation Limited a company registered under the laws of the United Kingdoms, with address at 49 Grosvenor St. London, UK W1K 3HP and the laws of the Region shall apply.

By using our website, services and reading our content you are agreeing to be bound by the following terms and conditions. These terms may change or may be modified at any time, by continuing to use our website after such changes or modifications, indicates your agreement to new terms. If you do not agree to these Terms, You may not use, view, or subscribe to our website. These terms do not require a physical, electronic or digital signature, it will be deemed and is hereby agreed with every User that he/she has read the content of this document.

BEFORE YOU PROCEED, Kindly read these terms and conditions. Your decision to use XaloF is a consent given unconditionally under law.

Appropriate Use/ Services

Contents on our website(s) are shared purely to be educative. We provide financial content services and users may access our platform on a subscription basis or as a viewing guest. You agree, are aware and understand that XaloF only shares information as a form of education. Any and all information shared through any of our outlets does not represent any form of financial advice, nor recommendation of any sort under any circumstance.

We try to ensure that all information shared is as accurate as possible, however there may be inaccuracies or wrong information that we may not be aware of. We do not warrant nor guarantee the accuracy or completeness of news, research of information shared. You, as a user, agree that you fully understand the latter through continued of our website.


To use this service, You must be 14 years old or above. The Company bares no liability under any law protecting infants and will not verify the age of any user or viewer. If You are under 14 years of age and You wish to access or use the Services, your parents or legal guardian must acknowledge and agree to the Terms of Use. Should Your parents or legal guardian fail to agree or acknowledge the Terms of Use, You shall immediately discontinue its use.


You agree to indemnify, defend and hold harmless Coineducation LTD, its affiliates, directors, shareholders, officers and employees from and against any claim, liability, cost damage or loss we may incur (including, without limitation, legal representation costs) as a result of your actions or violation of these terms. If the user (you) does not agree with the Terms and Conditions, then they should cease using the website immediately. If the user continues to use our website then they are expressing their tacit consent to the Terms and Conditions.

Refund Policy

Everything you need to know about our refund policy.

Nothing damages user trust more than a deceptive refund policy. So we’ve made sure ours is simple and transparent. We strive to keep our members happy but, if things don’t work out, you can easily cancel your subscription.

We only offer refunds for annual subscription plans. If you are a member with an annual subscription, we’re happy to refund you for any unused months.

If you are an annual subscriber and your membership is terminated due to breached Terms of Service and/or Community Code of Conduct, a 50% administration fee will be applicable on any remaining balance that is due.

We don’t offer refunds on monthly subscriptions, as our services and content are available and usable immediately upon sign up.

When appropriate, we process refunds immediately, but please keep in mind that the exact processing time will vary depending on your payment method:

  • Credit card refunds take between 7-10 business days to process (the exact processing time will depend on your credit card issuer).
  • Crypto wallet refunds will process within 24-48 hours.

For refund requests, please contact [email protected] and provide details of your request.

It is also necessary to note that if we have terminated your membership due to breached Terms of Service and/or Community Code of Conduct, you will not be entitled to a refund for the remaining subscription period.

No warranties

To the extent permitted under applicable law, the service and content are provided “as is,” without warranty of any kind. without limiting the foregoing, we explicitly disclaim any warranties of merchantability, fitness for a particular purpose, quiet enjoyment, or non- infringement, and any warranties arising out of course of dealing or usage of trade. we make no warranty that the service will meet your requirements or be available on an uninterrupted, secure, or error-free basis. we make no warranty regarding the quality, accuracy, timeliness, truthfulness, completeness or reliability of any content.

You assume all risks relating to your online or offline use of the service. you understand that XaloF does not screen or inquire into the background of any users of the service.

Limitation of liability

To the extent permitted under applicable law, neither the company nor any other party involved in creating, producing, or delivering the service or content shall be liable to you for any indirect, incidental, special, punitive, exemplary, or consequential damages, including lost profits, loss of data or goodwill, service interruption, phone/computer damage or system failure or the cost of substitute services, arising out of or in connection with these terms, or from the use of or inability to use the service or content, whether based on warranty, contract, tort (including negligence), product liability, or any other legal theory, and whether or not XaloF has been advised of the possibility of such damages.

Should you pursue a right of action under this term, you agree to be responsible for all associated cost.

Governing law, Juridiction and Dispute resolution

It is agreed that these terms of use are governed by the laws of the United Kingdom. Any action, suit, or other legal proceeding, which is commenced to resolve any matter arising under or relating to this website, shall be subject to the jurisdiction of the courts at London, UK.

In the event of a dispute between parties under these Terms, no right of action shall arise until parties have used their reasonable efforts to settle any claims in dispute between them. Such effort shall include mutual discussions or negotiation personally or through a legal representative. The duration of such discussion shall be 2 calendar weeks, failing which either party shall have the right to approach the appropriate court for a determination of his/hers/its rights. Parties shall commit to mutual discussions and negotiation in good faith.

These Terms shall be construed under and governed by the laws of the United Kingdom, without regard to its conflict of law provisions and shall be adjudicated by state or federal courts sitting in the UK. Users hereby expressly consents to the personal jurisdiction of the state and federal courts located in the UK for any lawsuit filed there against him/her by XaloF arising from or relating to these Terms, and agree that such courts shall be the sole and exclusive venue for any such lawsuits (except with respect to post-judgment enforcement proceedings) filed by either Party in regard to claims or actions arising from or relating to these Terms; provided, however, that nothing shall restrict XaloF from bringing a lawsuit in another venue to the extent XaloF is also bringing a lawsuit against a third party who is not subject to jurisdiction in UK.

Contact Us

If you have any questions or grievance about these Terms, please contact XaloF at [email protected]