Terms & Conditions

Welcome to FinConsult Academy. These Terms and Conditions ("Terms") govern your access to and use of the website financialconsultingcourses.shop (the "Site") and all services, courses, and products offered by FinConsult Academy ("we," "us," or "our").

1. Acceptance of Terms

By creating an account, making a purchase, or otherwise using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and Refund Policy. These Terms constitute a legally binding agreement between you and FinConsult Academy.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using our services under applicable laws
• Provide accurate and complete registration information
• Maintain the security of your account credentials

By using our services, you represent and warrant that you meet these eligibility requirements.

3. Account Registration

3.1 Account Creation

To access certain features and purchase courses, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Maintain the confidentiality of your password
• Notify us immediately of any unauthorized access to your account
• Accept responsibility for all activities under your account

3.2 Account Termination

We reserve the right to suspend or terminate your account at any time for violations of these Terms, fraudulent activity, or any other reason at our sole discretion.

4. Course Enrollment and Access

4.1 Course Purchase

When you purchase a course, you are granted a non-exclusive, non-transferable, limited license to access and use the course materials for your personal, non-commercial use.

4.2 Course Access

• Access to purchased courses is typically provided for the lifetime of the course, unless otherwise specified
• We reserve the right to update, modify, or discontinue course content at any time
• Technical requirements for accessing courses may change; you are responsible for ensuring your system meets these requirements
• Access may be temporarily unavailable due to maintenance or technical issues

4.3 Course Completion

Certificates of completion are issued upon successful completion of course requirements. Certificates are for personal use and do not constitute professional certification or licensing unless explicitly stated.

5. Pricing and Payment

5.1 Pricing

• All prices are displayed in US Dollars (USD) unless otherwise specified
• Prices are subject to change without notice
• Promotional pricing may be subject to specific terms and conditions
• We reserve the right to correct pricing errors

5.2 Payment

• Payment is required at the time of purchase
• We accept major credit cards and other payment methods as displayed on the Site
• All payments are processed through secure third-party payment processors
• You authorize us to charge your payment method for all purchases

5.3 Taxes

You are responsible for all applicable taxes, duties, and assessments in your jurisdiction. Prices do not include taxes unless explicitly stated.

6. Intellectual Property Rights

6.1 Our Content

All content on the Site, including but not limited to text, graphics, logos, images, videos, audio, software, and course materials, is the property of FinConsult Academy or our licensors and is protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and view course materials for personal, non-commercial use
• Download materials specifically designated as downloadable
• Print materials for personal reference

6.3 Restrictions

You may not:

• Copy, reproduce, distribute, or create derivative works from our content
• Share your account credentials or course access with others
• Record, screenshot, or capture course videos or materials for redistribution
• Use our content for commercial purposes
• Remove or alter copyright notices or proprietary markings
• Reverse engineer, decompile, or disassemble any software

7. User Conduct

You agree not to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Engage in fraudulent, deceptive, or misleading practices
• Upload malware, viruses, or harmful code
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the Site
• Harass, abuse, or harm other users
• Use automated systems (bots, scrapers) without permission
• Engage in any activity that could damage our reputation

8. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties regarding accuracy, reliability, or completeness of content
• Warranties that the services will be uninterrupted or error-free
• Warranties that defects will be corrected

We do not warrant that:

• Our courses will meet your specific requirements or expectations
• Completion of courses will result in employment or career advancement
• Course content is suitable for professional certification or licensing
• Third-party content or links are accurate or reliable

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINCONSULT ACADEMY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Business interruption or loss of opportunity
• Damages resulting from unauthorized access to your account
• Damages arising from third-party content or services

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR OUR SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE SIX (6) MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to indemnify, defend, and hold harmless FinConsult Academy and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your violation of these Terms
• Your use or misuse of our services
• Your violation of any third-party rights
• Your violation of applicable laws or regulations

11. Third-Party Services and Links

Our Site may contain links to third-party websites, services, or resources. We do not endorse and are not responsible for:

• The availability, accuracy, or content of third-party sites
• Products or services offered by third parties
• Privacy practices of third-party sites

Your interactions with third-party services are solely between you and the third party.

12. Modifications to Services and Terms

12.1 Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice or liability.

12.2 Terms Modifications

We may update these Terms at any time. Material changes will be communicated through:

• Email notification to registered users
• Prominent notice on the Site
• Updated "Last Updated" date

Your continued use of our services after changes constitutes acceptance of the modified Terms.

13. Termination

13.1 Termination by You

You may terminate your account at any time by contacting us. Upon termination, you will lose access to purchased courses unless otherwise specified in our Refund Policy.

13.2 Termination by Us

We may terminate or suspend your access immediately, without prior notice, for:

• Breach of these Terms
• Fraudulent or illegal activity
• Harm to other users or our business
• Extended period of inactivity

13.3 Effect of Termination

Upon termination:

• Your right to access and use our services immediately ceases
• Provisions regarding intellectual property, liability, and indemnification survive
• We are not obligated to provide refunds except as stated in our Refund Policy

14. Dispute Resolution

14.1 Informal Resolution

Before initiating formal proceedings, you agree to attempt to resolve disputes informally by contacting us at [email protected].

14.2 Governing Law

These Terms are governed by and construed in accordance with the laws of South Africa, without regard to its conflict of law provisions.

14.3 Jurisdiction

You agree to submit to the exclusive jurisdiction of the courts located in South Africa for resolution of any disputes.

14.4 Arbitration

Any disputes that cannot be resolved informally may be submitted to binding arbitration in accordance with the rules of the applicable arbitration body in South Africa.

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and FinConsult Academy regarding our services.

15.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

15.3 Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of such right or provision.

15.4 Assignment

You may not assign or transfer these Terms or your account without our written consent. We may assign these Terms without restriction.

15.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or government actions.

16. Contact Information

17. Acknowledgment

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE, YOU MUST NOT USE OUR SERVICES.

These Terms & Conditions are provided in English. In case of any discrepancies between translated versions, the English version shall prevail.