Terms and Conditions

These Terms & Conditions (these "Terms") govern the provision of, and all applications and enrolments in, any programme or service (including the Referrals programme) offered through Unicaf Limited and its subsidiaries (together, the " Company", "we", "us" and " our") and all other services provided by the Company (together, the " Services") to any person (" you"). These Terms may be revised, updated or replaced from time to time.

These Terms govern your use of all our websites, apps, landing pages, and other products and Services. As some of our Services may include software that is installed on your device, you agree that we may automatically update this software, and that these Terms will apply to such updates. Please read these Terms carefully, and contact us if you have any questions. By using our Services, you agree to be bound by these Terms, including the policies referenced in these Terms (such as our Privacy Notice and Cookies Policy).

If you refuse to accept these Terms, you will not be able to join any Service or Programmes from our Site.

You should print a copy of these Terms or save them for future reference. We may amend these Terms from time to time. Every time you wish to use a Service, please check these Terms to ensure you understand the terms which will apply at that time. These Terms, and any contract or agreement between us, are only in the English language.


The Services and all included content are provided on an "as is" basis without warranty of any kind, whether express or implied. To the maximum extent permitted by applicable law, the Company specifically disclaims:

You acknowledge and agree that any access to or use of the Services or such content is at your own risk.

Nothing in these Terms shall, or shall be interpreted as an attempt to, exclude any liability for any: fraud or fraudulent misrepresentation; death or personal injury caused by negligence; or any matter for which it would be unlawful to exclude liability.

Institutional Recognition

Unicaf Limited and its partner institutions, inclusive of Unicaf University and affiliates, offer degree programmes which are recognised or registered and/or and accredited by the relevant authorities of the respective countries and territories where the awarding body is based, as well as professional development courses. Many countries and territories have their own accrediting bodies, and regulations for recognition of degree equivalency which differs depending on the jurisdiction. Please review your country or territory of residence's requirements to confirm recognition of your programme. Unicaf Ltd takes no responsibility for recognition of any of the qualifications offered by any of its partner universities by any local authority in any country.

Unicaf University does not offer programmes that lead to professional licensure. Career options may require additional experience, training or other factors beyond the successful completion of an academic degree programme. Unicaf University degrees, however, being of international standard, are widely accepted by employers across the private and public sectors, as well as being solid foundations for further study.

Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

You acknowledge and agree that the disclaimers and the limitations of liability set forth in these Terms reflect a reasonable and fair allocation of risk between you and the Company, and that these limitations are an essential basis to the Company's ability to make its Services available to you on an economically feasible basis.

You agree that any cause of action related to the Services must commence within six (6) months after the cause of action accrues. Otherwise, such cause of action is permanently barred.


You agree to hold the Company and its directors, officers, employees, agents, partners associated institutions and representatives harmless for any injury incurred through any use of, or the inability to use, any Services, including this web-site. This limitation of liability applies to (without limitation) direct, indirect, incidental, consequential, special, punitive or exemplary damages even if an authorized director, officer, employee, agent, associates, partners or representative of the Company has been advised of the possibility of such damages.

Liability for invalidated payments and actions of fraud

You agree to compensate and indemnify the company for any claims, losses, expenses or liability the company incurs arising out of:

  1. An invalid transaction, refund transaction and any other expenses, collectively "Invalidated Payments";
  2. Any error, negligence, willful misconduct or fraud by you;

If the company has reason to believe that there is a higher than normal risk associated with your Transactions, in particular if the company believes you have breached the terms and conditions, then we may take various actions to avoid Reversals, Chargebacks, fees, fines, penalties and any other liability. The actions we may take include but are not limited to the following:

  1. We may, at any time and without liability, limit or suspend your right to use our Services if we believe that you are in breach of your obligations under these Terms and conditions. If possible, we will give you advance notice of any limitation or suspension, but we may take such actions without advance notice under certain circumstances, including if we believe that your use of our services represents a security threat or involves fraud or any other illegal activities;
  2. Refuse any Transaction at any time, provided that, upon request and where possible, we will provide the reasons for the refusal and steps for resolution of the problem;
  3. Reverse any Transaction (including, if appropriate, to the sender’s credit card), that violates, or we reasonably suspect may violate, these Terms and conditions.
  4. Hold your funds or suspend/ limit your account, to the extent and for so long as reasonably needed to protect against the risk of liability or as required to mitigate any regulatory risk in relation to your Transactions.
  5. We may terminate immediately your rights under this agreement if we have a serious reason to believe that your payment to the company is an action of fraud, and/or an illegal activity and/or a result of fraud and/or an error.


These Terms and conditions are governed by the laws of the Republic of Cyprus without reference to the principles of conflicts of laws thereof. Any dispute arising from these Terms and conditions shall be resolved exclusively in the state courts of the Republic of Cyprus.

Data protection

We will process Your Data only in accordance with these Terms and our Privacy Notice.


By accepting these Terms, you agree to be bound by the following regulations and publications which together form your contract with the Company:

Participation agreement

By accepting these Terms, you agree that:


The intellectual property in the assessments that you do will normally be owned by you.

The Company may require you to submit certain pieces of work by way of E-Submission. The E-Submission system may use the Turnitin platform (or any other suitable platform or service), and work that you submit may be used by Turnitin (or such other platform or service as may be applicable) for the purpose of checking the originality both of your work and other students' work. By agreeing to this terms and conditions you agree that your work may be used in this way.

By making the Student Declaration you agree that it may be used in this way, and additionally that:

The submitted work is your own;

The sources of information and material you have used in the preparation of your work, including those obtained online, have been fully identified and properly acknowledged (as stipulated by the relevant writing style employed in your programme of study);

If there is suspicion of unfair practice the Company reserves the right to follow due process and investigate in accordance to the regulations of the partner University.

Criminal convictions

By accepting these Terms you are confirming that you have no unspent criminal convictions (excluding motoring offences). If this is not the case you must notify the Company prior to enrolment so that the Company can consider whether such convictions are compatible with participating in the Company's Services.

Student ID

The validation period of a Student ID is subject to the level of the programme that the student is enrolled (i.e. for undergraduate programmes the Student ID validity is for 5 years from the date of issue, and for postgraduate programmes the validity is for a period of 3 years). Students should pay the cost of the student ID which is set to the amount of 50 USD.

Fees and payment

It is your responsibility to make sure your tuition fees and other payments to the Company which relate to programmes you are studying, Services you are using, or accommodation are paid in full within the set deadlines. By accepting these Terms, you are bound by the Company's regulations on the payment of fees, and other expenses relating to the Services offered to you. No refunds are made for any payments made.

Despite the percentage of scholarship that a student may receive (100% and/or less), there are specific fees that are not covered by any percentage of scholarship. Such fees include the Application Fee, the Graduation Fees, the Transcript Fees and any other extra fees where commonly as a practice cannot be covered by the Scholarship (e.g. Graduation Ceremony Fees and/or Seminar Fees). The applicant and/or the student shall pay the foregoing since they are not subject to the scholarships. The retake fees are calculated according to the initial cost of the module and the percentage of the scholarship granted. If a student is awarded a 100% scholarship the retake fee will be 50% of the initial cost of the respected Module.

In order for you to receive your Award you must clear all your financial obligations to the Company including any administrative fees added upon completion of your programme of study.

When making any payment to the Company it is essential that you let us know what the payment relates to (for example tuition fees, application fees, etc.). This is to enable the Company to correctly allocate your payment against your various accounts. If you do not tell us what a particular payment relates to we will use reasonable efforts to contact you at the address, email address or telephone number you have provided to ascertain what the payment relates to. If we cannot contact you in this way within a reasonable period of time, we will automatically allocate your payment to the tuition fees.

Late Payment Charge

It is your responsibility to make sure you abide by the terms of your Payment Plan. You will be charged a Late Payment Charge (LPC) on any payments not made according to the Payment Plan that you have agreed to. The LPC will be equal to 1% per month of the value of your payment that is in arrears. The LPC will be charged to your account at the end of every month. You will have to settle any LPC that is accrued to your account prior to being able to register for your next module. The Company reserves the right to amend the LPC as a result of a change in financial, economic or other circumstances.

Referral Programme

Referred Applicants/Students:

By accepting these Terms and Conditions, you agree that if your application is a product of the Referrals Programme, your Referrer shall be notified from time to time for the progress of your application. You agree and consent that your referrer shall receive from Unicaf specific data of yours (i.e. your name and email account) for the purposes of the Referral Programme.

Cancellation and refund policy

The purpose of this section is to provide guidance on when refunds of tuition fees will be made by the Company and how they will be calculated. This policy relates to the portion of the tuition fee that is paid directly by the student or by a private sponsor for studies relating to our online or blended learning programmes or short courses or other related Services.

As a general rule there are no refunds for any fees paid. Any refund of tuition fees and or reduction in tuition fees is at the sole and absolute discretion of the Company's Finance Office. In all cases, any other debt owing to the Company will be subtracted from any refund of fees if applicable.

Termination of Agreement

Your rights under this Agreement will terminate automatically, subject to your rights of internal appeal and your obligation to pay Fees, if your studies with the Company are terminated as a result of:

Non-payment of fees, in accordance with the Company's regulations on the payment of fees:

In addition, the Company may terminate this Agreement by written notice to you in the following circumstances:

Requirements on termination of this Agreement

If at any time this Agreement terminates:

If at any time this Agreement terminates, your obligations are:

Any action taken by the Company under the above provisions will not restrict its ability to take any other action against you which it may be entitled to take. The Company will not be liable for any loss or damage which you may suffer as a result.


Any notice given under this Agreement shall be in writing. Letters will be addressed to you by email or other electronic means or by post or courier to your home address as appropriate, at the last address you gave to Academic Affairs. Student Support must be kept updated by you at all times. Letters shall be deemed to have been properly served when delivered by hand to that address, or 48 hours after being posted to that address if sent by pre-paid first class post or if sent by email or other electronic means. Good service may also be given by email to the last email address you gave to Academic Affairs in which case service shall be deemed effective 48 hours after sending. It is your responsibility to ensure that you inform Academic Affairs of any change in address, telephone and email details.

Student declaration

I declare that the information given by me is correct and that I have no unspent criminal convictions (excluding motoring offences). I undertake to pay all fees and miscellaneous expenses relating to my programme/short course/ module of study and promise to pay in accordance with the terms and conditions of payment. I understand that amounts paid and/or payable by me will be checked by the Company and I undertake to pay any shortfall within fourteen (14) days of demand by the Company. I understand that all amounts paid are not refundable.

I acknowledge that the Company is entitled to refuse to enrol me if I am indebted to it. I agree to be bound by the Conditions of Entry and Company Regulations for Students and programme/module regulations. I agree that it is my responsibility to ensure that I am familiar with conditions of entry, the handbooks and all applicable regulations and to become acquainted with them. I shall be bound by the Participation Agreement and the other notices.

Index of Changes

Version Date Amended Section Amendment summary Amended History
V 1.0 October 2012 N/A Original Document
V 2.0 November 2020 Referrals Changes on rewarding scheme Updated Version
V 3.0 December 2021 E-Submission Link removal Updated Version
V 4.0 May 2022 Referrals Changes on Financial Rewards for students at UK Partner Universities Updated Version
V 5.0 February 2023 Interest on Late Payment Clause regulating the interest on late payment Updated Version
V 6.0 March 2024 Referrals Restrictions on Referral Programme updated Updated Version
V 7.0 March 2024 Late Payment Charge LPC Interest on Late Payment replaced with Late Payment Charge LPC Updated Version

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