These Cohort Terms of Service ("Cohort Terms") govern your enrollment in and participation in any paid cohort, workshop, or training programme that Ratio Africa Limited ("Ratio Africa", "we", "us", "our") delivers through ratioafrica.com. They apply in addition to our Terms and Conditions and incorporate our Acceptable Use Policy, Privacy Policy, Refund Policy and our Code of Conduct by reference.
By completing payment for a cohort, you confirm that you have read and agree to these Cohort Terms. If you do not agree, do not enrol.
01Who these terms cover
These Cohort Terms cover any individual who enrols in a paid Ratio Africa training cohort, whether you pay for yourself or are a named delegate enrolled by an organisation. References to "you" and "your" are to the participant. Where an organisation enrols a delegate, the organisation confirms it has the authority of the delegate to bind that delegate to these Cohort Terms.
02Enrollment and seat reservation
When you submit a registration for a cohort, we reserve a seat for you for a limited holding period while you complete payment. Your place is confirmed only once payment is received in full. If you do not complete payment within the holding period, the seat is released and may be offered to someone else.
A seat is reserved for you personally, or for a named delegate, and is not transferable without our prior written consent. Where a cohort is full, we may offer a waitlist. A waitlist place does not reserve a seat or guarantee enrollment, and we contact people on the waitlist in turn if a seat opens.
03Payment and currency
Cohort fees may be charged in Nigerian Naira (NGN) or United States Dollars (USD), through our payment gateway. Full card details are entered with the gateway and are not stored by us. We retain the transaction reference, amount, currency, and related payment records.
For cohorts, workshops, and other paid digital products, a binding contract forms when your payment is completed, under section 7 of our Terms and Conditions and these Cohort Terms. Where you pay by an installment plan, you commit to the plan when you make the first payment, and the contract is completed, and your place confirmed, when the full amount has been paid in line with section 2. A signed engagement letter is not required for cohort enrollment.
Where a cohort offers an installment payment plan, you may pay the cohort fee in scheduled parts. An installment plan fee is added to the total, and the amounts and schedule are shown to you at registration. Installment payments are non-refundable. If you do not complete the payments before the cohort start date, the amount you have already paid is converted into a non-expiring Ratio Africa learning credit that can be applied towards a future cohort, as set out in our Refund Policy.
04Refunds
Refunds and transfers are governed by our Refund Policy. Installment payments are non-refundable and, where a plan is not completed, convert to a non-expiring learning credit, as described in that policy.
05Schedule, facilitators, and changes
We may change the schedule, format, or facilitator of a cohort with reasonable notice. We take care to keep the substance and value of the programme consistent. Where a change materially affects the value of the cohort for you, we offer a like-for-like reschedule or a refund in line with the Refund Policy.
06Attendance and completion
A cohort is delivered through live sessions, recordings, and assignments. Completion is assessed against the completion criteria published for each cohort, which may include submitting and passing required assignments. We will tell you the criteria for your cohort. Participation and engagement are your responsibility.
07Certificates and verification
When you meet the completion criteria for a cohort, we issue a certificate of completion. Each certificate has a public verification page that shows your name, the cohort name, and the completion date, so that an employer or other third party can confirm the certificate is genuine. The verification page does not display your email, phone number, payment information, or any private record.
We may revoke a certificate that was issued in error or obtained in breach of these Cohort Terms. A revoked certificate remains visible on its verification page, marked as revoked, so that the public record stays accurate.
08Communications
When you enroll, we send you operational cohort emails. These include your access link to the learn portal, schedule reminders, assignment notifications, recording notifications, and a personal invite to the cohort group where one is used. These operational emails are part of delivering the cohort you paid for. They are not marketing, and they are sent because you enrolled, not on the basis of a marketing consent.
Marketing emails are separate. We send marketing only where you have given consent, and you can withdraw that consent at any time. How we handle your personal data is described in our Privacy Policy.
09Intellectual property
The following intellectual property terms apply:
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Your work stays yours.
You retain ownership of your own assignment submissions and of anything you build during the cohort. -
A limited licence to us.
You grant Ratio Africa a limited, non-exclusive licence to use anonymised versions of your submissions for teaching, case studies, and marketing. Named or attributed use of your work requires your separate written permission. -
Our materials stay ours.
Ratio Africa owns all curriculum, slides, session recordings, and course materials, together with the underlying intellectual property. -
Your access to recordings.
You receive a personal, non-transferable licence to access cohort recordings for your own learning for a defined period of time. You may not copy, share, publish, resell, or otherwise redistribute the recordings or course materials.
10Session recordings
Ratio Africa records cohort sessions. These recordings, including any audio, video, screen sharing, and chat that form part of a session, are the property of Ratio Africa.
By enrolling in and participating in a cohort, you agree that Ratio Africa owns all rights to the session recordings and may use them for any purpose it chooses, including commercial purposes. This includes, but is not limited to, using recordings as course materials for future cohorts, in a self-paced version of the course, in marketing and promotional content, and in any other Ratio Africa product or service.
Your participation in a session, including your voice, image, questions, and contributions where captured in a recording, may appear in these recordings and in any use Ratio Africa makes of them. You are granted access to recordings for your own learning during and after your cohort as described in these terms, but that access does not give you ownership or the right to redistribute, sell, or publicly share the recordings.
Your acceptance of these terms during registration is your agreement to this recordings policy.
11Alumni community and future updates
Completing a cohort does not grant automatic access to future cohort content or updates. Alumni may receive access to a community for continued learning and problem-solving. Any future alumni sessions, resources, or updates are provided at Ratio Africa's discretion and are not part of your original purchase. Private cohort materials, recordings, and links remain subject to the access rules in these terms.
Alumni community access may be moderated, and access may be removed for breaches of our Code of Conduct or Acceptable Use Policy. Ratio Africa does not promise lifetime access to future content, free future cohort updates, guaranteed alumni events, or any guaranteed job, promotion, income, funding, or business outcome.
12Acceptable use and conduct
Your participation in the learn portal and any cohort group is subject to our Code of Conduct and Acceptable Use Policy. Serious or repeated breaches may result in removal from the cohort. Where you are removed for cause, no refund is due.
13Minimum age
Our cohorts are intended for participants aged 18 and over. A person under 18 may participate only with the verifiable consent of a parent or guardian, who accepts these Cohort Terms on the participant's behalf. If you are under 18 and wish to enrol, please ask a parent or guardian to contact us at connect@ratioafrica.com first.
14Liability
To the maximum extent permitted by law, we are not liable for any indirect, consequential, special, incidental, or punitive losses, including loss of profits, revenue, business opportunities, goodwill, or anticipated savings arising from participation in a cohort or use of our digital products.
Nothing in these Cohort Terms excludes or limits any liability that cannot be excluded or limited by law, including liability for fraud or for death or personal injury caused by negligence.
15Changes to these terms
We may update these Cohort Terms from time to time. The "Last updated" date at the top indicates when changes were made. The version in force for your cohort is the version published when you complete payment. For material changes, we will give reasonable notice through the Site or by email where appropriate.
16Governing law and dispute resolution
These Cohort Terms and any dispute arising out of or in connection with them (including non-contractual disputes) are governed by the laws of the Federal Republic of Nigeria.
The parties agree to attempt in good faith to resolve any dispute by negotiation within 30 days of written notice. If the dispute is not resolved within that period, the parties will refer the dispute to mediation at the Abuja Multi-Door Courthouse under its prevailing rules before commencing court proceedings. Subject to that mediation step, the courts of the Federal Capital Territory, Abuja, have exclusive jurisdiction.
17Contact
Questions about these Cohort Terms can be sent to:
Ratio Africa Limited
connect@ratioafrica.com