This is a draft document pending review by our Nigerian counsel. 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 Privacy Policy, Refund Policy, Acceptable Use Policy, and 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 enroll.
01Who these terms cover
These Cohort Terms cover any individual who enrolls in a paid Ratio Africa 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 enrolls a delegate, the organisation confirms it has authority 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 are charged in Nigerian Naira (NGN) at present, through our payment gateway, Paystack. 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. A signed engagement letter is not required for cohort enrollment.
04Refunds
Refunds and transfers are governed by our Refund Policy, which states the same refund schedule as section 7 of our Terms and Conditions. In summary, you receive a full refund less a 5% administration fee more than 14 days before the start date, a 50% refund 7 to 14 days before, and no refund within 7 days, although you may transfer your place to a colleague at no charge. The payment gateway processing fee is non-refundable and is borne by you.
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, and we cannot guarantee any particular outcome from the programme.
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
[Draft for decision, pending owner and counsel sign-off.] The following intellectual property terms are proposed defaults. They are not final and are subject to sign-off by Ratio Africa and its counsel before they take effect.
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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. You may not copy, share, publish, resell, or otherwise redistribute the recordings or course materials.
10Alumni 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.
11Acceptable use and conduct
Your participation in the learn portal and any cohort group is subject to our Acceptable Use Policy and our Code of Conduct. Serious or repeated breaches may result in removal from the cohort. Where you are removed for cause, no refund is due.
12Minimum 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 enroll, please ask a parent or guardian to contact us at connect@ratioafrica.com first.
13Liability
For paid cohorts and digital products, and to the maximum extent permitted by applicable law, our total aggregate liability arising out of or in connection with your enrollment is capped at the total fees you paid for the relevant cohort or product [counsel-confirmable]. This cohort cap applies in place of the general limit in section 11 of our Terms and Conditions, so that cohort buyers are not left under the limit that applies to free content.
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.
14Changes 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.
15Governing 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.
16Contact
Questions about these Cohort Terms can be sent to:
Ratio Africa Limited
connect@ratioafrica.com