TERMS AND CONDITIONS

Oxbridge ETF Academy — Course Enrollment, Programs, and Credentials

Last Updated: August 1, 2026

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PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE ENROLLING IN

ANY OXBRIDGE ETF ACADEMY COURSE OR REGISTERING FOR ANY EXAMINATION.

BY COMPLETING ENROLLMENT, SUBMITTING PAYMENT, OR ACCESSING COURSE

MATERIALS, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE

TO BE BOUND BY THESE TERMS IN THEIR ENTIRETY. IF YOU DO NOT AGREE,

DO NOT ENROLL OR ACCESS THE COURSE.

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1. PARTIES AND AGREEMENT

These Terms and Conditions ("Agreement") constitute a legally binding

contract between you ("Candidate," "you," or "your") and Oxbridge, LLC,

a Connecticut limited liability company doing business as Oxbridge ETF

Academy ("Oxbridge," "we," "us," or "our"), governing your enrollment

in any course, program, or credential offered by Oxbridge ETF Academy

(collectively, the "Program"). Where you are enrolled specifically in

the CETFPM® course and credential program, the additional terms

applicable to that program apply as described herein.

By enrolling, you represent that you are at least 18 years of age and

have the legal capacity to enter into this Agreement. If you are

enrolling on behalf of an employer or organization, you represent that

you have authority to bind that entity to this Agreement.

2. DESCRIPTION OF THE PROGRAM

2.1 Courses Generally. Oxbridge ETF Academy offers online, self-paced

educational courses ("Course" or "Courses") delivered through the

Oxbridge ETF Academy learning platform at learn.oxbridgeetfacademy.com.

Each Course consists of modules covering subject matter specific to

that Course. The description, content, and scope of each Course is

as set forth on the applicable Course enrollment page at the time of

enrollment.

2.1(a) CETFPM® Course. The Certified ETF Portfolio Manager (CETFPM®)

course consists of twenty-one (21) modules covering ETF portfolio

management and is specifically designed to prepare candidates for the

CETFPM® examination. Enrollment in the CETFPM® course is subject to

all general terms in this Agreement as well as the CETFPM®-specific

provisions set forth in Sections 2.2, 2.3, 7, and 8.

2.2 Examinations. Where a Course includes a proctored examination

("Exam"), the Exam is administered through a third-party remote

proctoring platform. Exam access is granted only upon completion of

all required Course modules. Examinations are governed by the policies

set forth in the applicable Candidate Handbook for that program, which

is incorporated into this Agreement by reference.

2.2(a) CETFPM® Examination. The CETFPM® examination consists of

75 multiple-choice questions administered in 90 minutes. It is

governed specifically by the CETFPM® Candidate Handbook available

at oxbridgeetfacademy.com.

2.3 Credentials. Where a Course is associated with a professional

credential program, candidates who achieve the applicable passing

standard on the Exam are awarded the corresponding designation.

Credentials are subject to renewal requirements as described in the

applicable Candidate Handbook.

2.3(a) CETFPM® Credential. Candidates who achieve the passing

standard on the CETFPM® examination are awarded the Certified ETF

Portfolio Manager (CETFPM®) designation. The CETFPM® designation is

a registered trademark of Oxbridge, LLC and is subject to the renewal

and maintenance requirements described in the CETFPM® Candidate

Handbook.

2.4 Modifications. Oxbridge reserves the right to modify, update, or

discontinue any aspect of any Course, Exam, or credential program at

any time. Material changes will be communicated to enrolled candidates

with reasonable advance notice. Your continued participation following

notice of a change constitutes acceptance of the modified terms.

3. ENROLLMENT AND ACCOUNT

3.1 Account Creation. To enroll in the Program, you must create an

account on the Oxbridge ETF Academy e-learning platform. You agree to provide

accurate, complete, and current information and to update your

information as necessary to keep it accurate. You are responsible for

maintaining the confidentiality of your account credentials.

3.2 Account Security. You are solely responsible for all activity that

occurs under your account. You agree to notify Oxbridge immediately if you become aware of any unauthorized

use of your account. Oxbridge is not liable for any loss or damage

arising from your failure to maintain account security.

3.3 One Account Per Candidate. Each enrollment is for a single

individual. You may not share your account, login credentials, or access to

any Course with any other person. Sharing account access is grounds

for immediate termination of enrollment without refund.

3.4 Accurate Identity. The name you provide at enrollment must match the government-issued

identification you present at the time of any proctored Exam. Discrepancies may result in disqualification from the Exam without refund.

4. FEES AND PAYMENT

4.1 Enrollment Fee. The enrollment fee for each Course or Program is as listed on the

Oxbridge ETF Academy website at the time of enrollment. Where a

Course includes a proctored examination, the enrollment fee includes

one (1) Exam sitting unless otherwise stated on the enrollment page. All fees are

stated in U.S. dollars.  The enrollment fee reflects, in part, the candidate's credential display obligations under Section 8.6.

4.2 Payment. Payment is due in full at the time of enrollment.

Enrollment is not confirmed until payment has been received and

processed. Oxbridge uses a third-party payment processor; by

submitting payment, you also agree to that processor's terms of

service.

4.3 Retake Fees. Where applicable, each Exam retake requires payment of a separate

retake fee as listed on the website at the time of the retake. Retake fees are due in full

before a retake examination is scheduled. Retake fees are subject to

the same no-refund policy as enrollment fees.

4.4 Renewal Fees. Credential renewal requires payment of a renewal

fee as listed on the website at the time of renewal. Renewal fees are

non-refundable once the renewal review process has commenced.

4.5 Taxes. You are solely responsible for any applicable taxes,

duties, or levies arising from your enrollment or credential

activities. Oxbridge does not collect sales tax except where required

by law.

5. NO REFUND POLICY

ALL FEES PAID TO OXBRIDGE ARE NON-REFUNDABLE. ALL SALES ARE FINAL.

This includes, without limitation:

(a) Enrollment fees, whether or not you have begun or completed the

    Course;

(b) Exam fees, whether or not you have scheduled, attempted, or

    completed the Exam;

(c) Retake fees, whether or not a retake Exam has been attempted;

(d) Renewal fees, whether or not renewal has been approved.

No refund will be issued on the basis of dissatisfaction with course

content, failure to pass the Exam, changes in personal or professional

circumstances, technical issues with the candidate's own equipment,

or any other reason.

In the event of a documented technical failure caused solely by

Oxbridge's platform or the proctoring vendor's platform during an

Exam session, Oxbridge's sole obligation is to provide a complimentary

rescheduled Exam sitting. This is not a refund and does not entitle

the candidate to any monetary compensation.

6. COURSE ACCESS AND INTELLECTUAL PROPERTY

6.1 Limited License. Upon enrollment and receipt of payment, Oxbridge grants you a

personal, non-exclusive, non-transferable, revocable license to

access and use the applicable Course materials solely for your own

personal educational purposes in connection with the Course for which

you are enrolled.

6.2 Restrictions. You may not, directly or indirectly:

(a) Copy, reproduce, distribute, publish, display, or transmit any

    Course materials in any form or by any means;

(b) Sell, sublicense, rent, lease, or otherwise transfer access to

    the Course or any portion thereof;

(c) Create derivative works based on Course materials;

(d) Use Course materials for commercial purposes, including training

    third parties;

(e) Use automated tools, bots, scrapers, or similar technology to

    access or extract Course content;

(f) Remove, obscure, or alter any copyright, trademark, or other

    proprietary notices contained in Course materials.

6.3 Ownership. All Course content, including but not limited to text, video,

graphics, assessments, and all examinations (including without

limitation the CETFPM® examination), is the exclusive property of

Oxbridge, LLC or its licensors and is protected

by United States and international copyright, trademark, and other

intellectual property laws. These Terms do not transfer any ownership

interest to you.

6.4 Trademarks. CETFPM® and all other Oxbridge ETF Academy

designation names and marks are trademarks or registered trademarks

of Oxbridge, LLC. You may use any Oxbridge-issued designation only

while your credential for that program is in active status and only

in accordance with Oxbridge's trademark usage guidelines. Upon

expiration, revocation, or lapse of any credential, you must

immediately cease all use of the corresponding designation.

6.5 Liquidated Damages for Intellectual Property Violations. You

acknowledge that the Course materials constitute confidential,

proprietary content of Oxbridge, LLC, that the actual damages

resulting from unauthorized reproduction or distribution of Course

content are difficult or impossible to calculate precisely, and that

the following liquidated damages amount is a reasonable estimate of

the harm Oxbridge would suffer — not a penalty. Accordingly, if you

reproduce, distribute, publish, sell, sublicense, or otherwise make

available any Course content to any third party in violation of

Section 6.2 — in any form and through any medium — you agree to pay

Oxbridge, LLC liquidated damages of TWENTY-FIVE THOUSAND DOLLARS

($25,000) per violation. Each discrete act of unauthorized

distribution to a separate recipient or on a separate occasion

constitutes a separate violation. This provision does not limit

Oxbridge's right to seek injunctive relief, statutory damages under

applicable copyright or trademark law, or any other remedy available

at law or in equity.

6.7 Access Duration. Course access is provided for the period

stated on the applicable enrollment page, or twelve (12) months

from the date of enrollment if no period is stated, or until any

associated credential is awarded, whichever comes first. Oxbridge reserves the

right to extend or modify access periods in its sole discretion.

7. EXAMINATION POLICIES AND ACADEMIC INTEGRITY

7.1 Candidate Handbook. Your participation in any Exam is governed by the applicable

Candidate Handbook for that program, available at

oxbridgeetfacademy.com and incorporated into this Agreement by

reference. In the event of a conflict between this Agreement and an

applicable Candidate Handbook on examination-related matters, the

Candidate Handbook governs. For CETFPM® candidates, the governing

document is the CETFPM® Candidate Handbook.

7.2 Academic Integrity. You agree to abide by the highest standards

of academic integrity in connection with the Exam. You specifically

agree that you will not:

(a) Use any unauthorized materials, devices, or resources during

    the Exam;

(b) Communicate with any other person during the Exam;

(c) Allow any other person to take the Exam on your behalf;

(d) Record, reproduce, or disclose Exam content in any form;

(e) Attempt to access Exam content before your scheduled session;

(f) Engage in any conduct that compromises the integrity of the

    examination process.

7.3 Consequences of Violation. A confirmed violation of the academic

integrity policy will result in: (a) immediate invalidation of the

examination result; (b) forfeiture of all fees paid; (c) permanent

disqualification from future CETFPM® examination attempts; and (d)

where appropriate, notification of relevant regulatory or professional

bodies. Oxbridge's determination of a violation is final.

7.4 Liquidated Damages for Exam Content Disclosure. You acknowledge

that the CETFPM® examination questions, answer choices, and scoring

methodology constitute confidential, proprietary information of

Oxbridge, LLC, that the actual damages resulting from unauthorized

disclosure of Exam content are difficult or impossible to calculate

precisely, and that the following liquidated damages amount is a

reasonable estimate of the harm Oxbridge would suffer from such

disclosure — not a penalty. Accordingly, if you disclose, reproduce, transmit, publish, sell, or otherwise

communicate any question, answer choice, or content from any

Oxbridge ETF Academy examination (including without limitation the

CETFPM® examination) to any third party — in any form and

through any medium, including but not limited to verbal communication,

written notes, social media, online forums, study groups, or any

commercial test preparation service — you agree to pay Oxbridge, LLC

liquidated damages of TWENTY-FIVE THOUSAND DOLLARS ($25,000) per

violation. Each discrete act of disclosure to a separate recipient or

on a separate occasion constitutes a separate violation. This

liquidated damages provision does not limit Oxbridge's right to also

seek injunctive relief, statutory damages under applicable copyright

law, or any other remedy available at law or in equity.

7.4 Proctoring Consent. By scheduling the Exam, you consent to being

monitored via webcam and screen recording during the Exam session, to

the collection and review of session recordings by Oxbridge and its

proctoring vendor, and to the use of AI-assisted monitoring tools.

Session recordings may be retained for a period of up to twelve (12)

months following the Exam date.

8. CREDENTIAL PROGRAM TERMS

8.1 Award of Credential. The CETFPM® credential is awarded solely on

the basis of achieving the published passing standard on the Exam. No

other basis for credential award exists. Oxbridge makes no guarantee

that enrollment in the Course will result in passing the Exam or

receiving the credential.

8.2 Renewal Obligation. It is your sole responsibility to track your

credential expiration date and to complete renewal requirements before

expiration. Oxbridge will make reasonable efforts to send renewal

reminders but is not responsible for any failure to renew resulting

from a failure to receive reminders.

8.3 Revocation. Oxbridge reserves the right to revoke any credential it has issued,

including without limitation the CETFPM® designation, at any time for: (a) confirmed violation of the Code of

Ethics; (b) confirmed academic dishonesty in connection with the Exam;

(c) conviction of a securities-related offense; (d) material

misrepresentation of the credential or its scope; or (e) any other

conduct that, in Oxbridge's reasonable judgment, is incompatible with

holding the designation. No refund is issued upon revocation.

8.4 Public Registry. By earning any Oxbridge ETF Academy credential, you consent to

the publication of your name, credential ID, credential status,

issue date, and expiration date in Oxbridge's public credential

verification registry. This information will remain in the registry

in expired or revoked status following lapse or revocation.

8.5 Employer Reimbursement. Oxbridge will provide documentation

reasonably necessary to support an employer reimbursement request,

including an invoice and credential specification sheet. Oxbridge

makes no representation that your employer will approve reimbursement

and is not responsible if reimbursement is denied.

8.6 Display of Credential on LinkedIn.  

(a) Requirement. If you maintain a LinkedIn profile at the time your credential is awarded, you agree, within thirty (30) days of the award, to add the credential to the "Licenses & Certifications" section of your LinkedIn profile using the digital badge and verification link issued to you through Oxbridge's digital credential platform, and to keep it displayed for as long as the credential remains in active status. You are not required to create a LinkedIn account to satisfy this Section.

(b) Consideration. You acknowledge that Oxbridge's program pricing reflects the professional visibility and recognition of the designation that results from credential holders publicly displaying their credentials, and that your agreement to this Section forms part of the consideration for the fees you pay under Section 4.

(c) Scope. This obligation is limited to displaying the credential's factual information: the designation name, issuing organization, issue date, credential ID, and verification link. Nothing in this Section requires you to post commentary, reviews, testimonials, or any statement about Oxbridge or the Program.

(d) Exceptions. This Section does not apply where displaying the credential would conflict with your employer's policies, applicable regulatory obligations, or applicable law, or where you have a reasonable personal safety or privacy concern. In those cases, please notify Oxbridge through the Contact form.

(e) Removal. Upon expiration, revocation, or lapse of your credential, you must remove it from your LinkedIn profile in accordance with Section 6.4.

9. DISCLAIMERS AND LIMITATIONS

9.1 No Guarantee of Outcomes. OXBRIDGE MAKES NO REPRESENTATION OR

WARRANTY THAT COMPLETION OF THE COURSE WILL RESULT IN PASSING THE

EXAM, THAT THE CREDENTIAL WILL BE RECOGNIZED BY ANY EMPLOYER,

REGULATOR, OR PROFESSIONAL BODY, OR THAT THE CREDENTIAL WILL PRODUCE

ANY PARTICULAR PROFESSIONAL OR FINANCIAL OUTCOME. THE PROGRAM IS

PROVIDED FOR EDUCATIONAL PURPOSES ONLY.

9.2 No Investment Advice. Nothing in the Course constitutes investment

advice, financial advice, legal advice, or tax advice. Course content

is provided for educational purposes only. Candidates should consult

qualified professionals for advice specific to their circumstances.

9.3 Not a Regulatory License. All Oxbridge ETF Academy credentials, including the CETFPM®

designation, are professional education credentials. It does not constitute a license, registration,

or regulatory approval of any kind and does not satisfy any licensing

requirement imposed by FINRA, the SEC, state securities regulators,

or any other regulatory body.

9.4 Disclaimer of Warranties. THE COURSE, EXAM, AND ALL RELATED

MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY

OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY

IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR

PURPOSE, ACCURACY, OR NON-INFRINGEMENT. OXBRIDGE DOES NOT WARRANT

THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF

VIRUSES OR OTHER HARMFUL COMPONENTS.

9.5 Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY

APPLICABLE LAW, IN NO EVENT SHALL OXBRIDGE, LLC, ITS MEMBERS,

MANAGERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT,

INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT

OF OR RELATING TO YOUR ENROLLMENT, USE OF THE COURSE, OR PARTICIPATION

IN THE CREDENTIAL PROGRAM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH

DAMAGES.

9.6 Cap on Damages. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE

LAW, OXBRIDGE'S TOTAL LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING

OUT OF OR RELATING TO THIS AGREEMENT, THE COURSE, THE EXAM, OR THE

CREDENTIAL PROGRAM — WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR

OTHERWISE — SHALL NOT EXCEED THE TOTAL AMOUNT YOU PAID TO OXBRIDGE

FOR YOUR ENROLLMENT IN THE PROGRAM. THIS LIMITATION IS A FUNDAMENTAL

ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND OXBRIDGE.

9.7 Essential Basis. You acknowledge that the disclaimers and

limitations of liability in this Section reflect a reasonable

allocation of risk and are an essential basis of the Agreement between

the parties. Oxbridge would not offer the Program at the stated price

without these limitations.

10. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Oxbridge, LLC and

its members, managers, employees, agents, and licensors from and

against any and all claims, damages, losses, costs, and expenses

(including reasonable attorneys' fees) arising out of or relating to:

(a) your use of the Course or participation in the credential program;

(b) your violation of this Agreement; (c) your violation of any

applicable law or regulation; (d) your violation of the rights of any

third party; or (e) any misrepresentation you make regarding the

CETFPM® credential or its scope.

11. DISPUTE RESOLUTION AND ARBITRATION

11.1 Informal Resolution. Before initiating arbitration, you agree to contact Oxbridge

through the Contact form on the Oxbridge ETF Academy website at

oxbridgeetfacademy.com and attempt to resolve the dispute informally.

Oxbridge will make reasonable efforts to resolve the issue within

thirty (30) days of receiving your submission.

11.2 Binding Arbitration. If informal resolution fails, any dispute,

claim, or controversy arising out of or relating to this Agreement,

the Course, the Exam, the credential program, or the breach,

termination, enforcement, interpretation, or validity thereof

(collectively, "Disputes") shall be finally resolved by binding

arbitration, except as modified by this Agreement. The

arbitration shall be conducted by a single arbitrator. The seat of

arbitration shall be Fairfield County, Connecticut. The arbitration

shall be conducted in English.

11.3 Arbitrator Authority. The arbitrator shall have exclusive

authority to resolve any Dispute, including any claim that all or any

part of this Agreement is void or voidable. The arbitrator's award

shall be final and binding and may be entered as a judgment in any

court of competent jurisdiction. Notwithstanding the foregoing, the arbitrator shall have no authority to modify, limit, or void the limitations of liability set forth in Sections 9.6 and 11.6 of this Agreement. The parties agree that these Sections reflect a fundamental, bargained-for allocation of risk that is not subject to arbitral modification, and that any award inconsistent with Section 9.6 or 11.6 shall be subject to vacatur in a court of competent jurisdiction.

11.4 Waiver of Class Actions. YOU AND OXBRIDGE EACH WAIVE THE RIGHT

TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION,

CLASS ARBITRATION, OR REPRESENTATIVE PROCEEDING. ALL DISPUTES MUST

BE BROUGHT IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR

CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

11.5 Exceptions. Notwithstanding the foregoing, either party may

seek emergency injunctive or other equitable relief in any court of

competent jurisdiction to prevent irreparable harm, including but not

limited to misuse of intellectual property or unauthorized disclosure

of confidential information. Such a filing shall not constitute a

waiver of the obligation to arbitrate.

11.6 Damages Cap in Arbitration. In any arbitration, the arbitrator's

authority to award damages is limited to the amount you paid Oxbridge

for your enrollment. The arbitrator may not award punitive damages,

consequential damages, or any other form of damages not expressly

permitted by this Agreement.

11.7 Governing Law. This Agreement and any Dispute shall be governed

by and construed in accordance with the laws of the State of

Connecticut, without regard to its conflict of laws principles.

12. PRIVACY AND DATA

12.1 Data Collection. Oxbridge collects personal information you

provide during enrollment and Exam registration, including your name,

email address, payment information, and government-issued ID

presented for identity verification. Oxbridge also collects usage

data related to your progress through the Course and Exam

performance data.

12.2 Use of Data. Oxbridge uses your personal information to

administer the Program, communicate with you regarding your

enrollment and credential, issue and maintain your credential record,

and improve the Course and credential program. Oxbridge does not sell

your personal information to third parties.

12.3 Third-Party Processors. Oxbridge shares your personal

information with third-party service providers necessary to administer

the Program, including the learning platform provider, payment

processor, proctoring vendor, and digital credential platform

(Certifier.io). These providers are contractually obligated to protect your

information and use it only for the purposes of providing their

services to Oxbridge.

12.4 Public Registry. As described in Section 8.4, certain credential

information is published in Oxbridge's public verification registry.

This publication is a condition of holding the credential and cannot

be opted out of.

12.5 Retention. Oxbridge retains your enrollment and credential

records for a minimum of seven (7) years following the expiration or

termination of your credential. Examination session recordings are

retained for up to twelve (12) months following the Exam date.

12.6 Access and Correction. You may request access to or correction of your personal

information by submitting a request through the Contact form on

the Oxbridge ETF Academy website.

13. GENERAL PROVISIONS

13.1 Entire Agreement. This Agreement, together with the CETFPM®

Candidate Handbook and any additional policies incorporated by

reference, constitutes the entire agreement between you and Oxbridge

with respect to the Program and supersedes all prior agreements,

representations, and understandings relating to its subject matter.

13.2 Amendments. Oxbridge reserves the right to amend these Terms at

any time. Amended Terms will be posted at oxbridgeetfacademy.com with

an updated "Last Updated" date. Material changes will be communicated

to enrolled candidates by email with at least thirty (30) days'

notice before taking effect. Your continued enrollment or use of the

Course following the effective date of any amendment constitutes your

acceptance of the amended Terms.

13.3 Severability. If any provision of this Agreement is held to be

invalid, illegal, or unenforceable, that provision shall be modified

to the minimum extent necessary to make it valid and enforceable, and

the remaining provisions shall continue in full force and effect.

13.4 Waiver. No failure or delay by Oxbridge to exercise any right

or remedy under this Agreement shall operate as a waiver of that

right or remedy. No waiver shall be effective unless made in writing

and signed by an authorized representative of Oxbridge.

13.5 Assignment. You may not assign or transfer any of your rights

or obligations under this Agreement without Oxbridge's prior written

consent. Oxbridge may assign this Agreement freely, including in

connection with a merger, acquisition, or sale of all or substantially

all of its assets.

13.6 Force Majeure. Oxbridge shall not be liable for any failure or

delay in performance resulting from causes beyond its reasonable

control, including acts of God, pandemic, governmental action, internet

or platform outages, or actions of third-party proctoring vendors.

13.7 No Waiver of Rights. Nothing in this Agreement limits any rights

you may have under applicable consumer protection laws that cannot be

waived by contract.

13.8 Contact. All notices and communications to Oxbridge under this Agreement

must be submitted through the Contact form on the Oxbridge ETF

Academy website at oxbridgeetfacademy.com. Oxbridge does not accept

notices by email, postal mail, or any other channel. A submission

through the website Contact form constitutes valid written notice

for all purposes under this Agreement. 

13.9 Headings. Section headings are for convenience only and shall

not affect the interpretation of this Agreement.

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BY ENROLLING IN AN OXBRIDGE ETF ACADEMY PROGRAM, YOU CONFIRM THAT YOU HAVE READ,

UNDERSTOOD, AND AGREE TO THESE TERMS AND CONDITIONS IN THEIR ENTIRETY.

CETFPM® is a registered trademark of Oxbridge, LLC.

© 2026 Oxbridge, LLC. All rights reserved.

These Terms apply to all courses and programs offered by Oxbridge ETF Academy.

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