Terms & Conditions

Effective Date: January 1, 2025

Last Updated: January 1, 2025

Welcome to FinEdu Academy. These Terms and Conditions ("Terms") govern your access to and use of our website, educational content, and services. By accessing or using our website and purchasing our financial education packages, you agree to be bound by these Terms.

1. Definitions

In these Terms, the following definitions apply:

• "We," "Us," "Our" refers to FinEdu Academy, Company Registration Number 09715157, located at 79, HemaPur, Ranchi - 450332, India
• "You," "Your," "User" refers to the individual accessing or using our services
• "Services" refers to all educational content, courses, packages, and related services offered through our website
• "Website" refers to https://exampleketo.com and all associated pages and platforms
• "Content" refers to all educational materials, videos, documents, and resources provided through our services
• "Package" refers to any of our financial education course offerings

2. Acceptance of Terms

By accessing our website, creating an account, or purchasing any of our educational packages, you acknowledge that:

• You have read and understood these Terms
• You agree to be legally bound by these Terms
• You are at least 18 years of age or have parental/guardian consent
• You have the legal capacity to enter into this agreement
• All information you provide is accurate and current

3. User Accounts

3.1 Account Creation

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

• Provide accurate, complete, and current information
• Maintain and promptly update your account information
• Keep your login credentials confidential
• Not share your account with others
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

3.2 Account Termination

We reserve the right to suspend or terminate your account if you:

• Violate these Terms
• Provide false or misleading information
• Engage in fraudulent activities
• Misuse our services or content
• Engage in behavior harmful to other users or our business

4. Products and Services

4.1 Educational Packages

We offer various financial education packages ranging from $200 to $1,000, including:

• Foundation Finance Package - $200
• Investment Mastery Package - $350
• Business Finance Package - $500
• Wealth Building Package - $750
• Elite Financial Mastery - $1,000

4.2 Course Content and Access

Upon successful purchase, you will receive:

• Lifetime access to purchased course materials
• Access to video modules and downloadable resources
• Participation in community forums (where applicable)
• Updates to course content when available
• Certificate of completion (upon finishing requirements)

4.3 Service Modifications

We reserve the right to:

• Modify, update, or discontinue services with reasonable notice
• Change course content to reflect current financial practices
• Adjust pricing for future purchases (existing purchases honored)
• Add or remove features from our packages

5. Purchases and Payments

5.1 Pricing

All prices are listed in USD and are subject to change. The price applicable to your purchase is the price displayed at the time of transaction.

5.2 Payment Methods

We accept various payment methods processed through secure third-party payment processors. By providing payment information, you represent that:

• You are authorized to use the payment method
• All payment information is accurate and current
• You will pay all charges incurred

5.3 Payment Processing

Payment is required in full at the time of purchase. Your order will be processed upon successful payment verification. You will receive a confirmation email with access details within 24 hours of purchase.

5.4 Taxes

You are responsible for any applicable taxes, duties, or government charges associated with your purchase.

6. Refund Policy

We offer a 30-day money-back guarantee on all our packages. For detailed information about refunds, cancellations, and our satisfaction guarantee, please refer to our separate Refund Policy.

7. Intellectual Property Rights

7.1 Our Content

All content on our website, including but not limited to:

• Course materials and educational content
• Videos, audio recordings, and presentations
• Text, graphics, logos, and images
• Software and website design
• Trademarks and branding

are owned by or licensed to FinEdu Academy and are protected by copyright, trademark, and other intellectual property laws.

7.2 Limited License

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

• Access and use purchased course materials for personal educational purposes
• Download materials for personal use only
• View content through our approved platforms

7.3 Prohibited Uses

You may NOT:

• Share, distribute, or resell course materials
• Upload content to file-sharing or torrent platforms
• Create derivative works from our content
• Remove copyright or proprietary notices
• Use content for commercial purposes
• Allow others to access your account or courses
• Record, screenshot, or copy content for redistribution

8. User Conduct

You agree to use our services responsibly and ethically. You will NOT:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful code, viruses, or malware
• Attempt to gain unauthorized access to our systems
• Harass, abuse, or harm other users
• Post offensive, defamatory, or inappropriate content
• Engage in fraudulent activities
• Impersonate others or misrepresent your affiliation
• Interfere with the proper functioning of our website

9. Disclaimers and Limitations

9.1 Educational Purpose

Our courses and content are provided for educational purposes only. They do not constitute:

• Professional financial, investment, or legal advice
• Personalized recommendations for your specific situation
• Guarantees of financial success or returns
• Endorsements of specific investment products or strategies

9.2 No Guarantee of Results

While we strive to provide high-quality educational content, we cannot guarantee:

• Specific financial outcomes or results
• That our strategies will be suitable for your circumstances
• Success in achieving your financial goals
• Accuracy of all information at all times

9.3 Your Responsibility

You are solely responsible for:

• Your financial decisions and actions
• Consulting with qualified professionals before making investment decisions
• Conducting your own research and due diligence
• Understanding the risks associated with financial activities

9.4 Service Availability

We strive to maintain continuous service availability but cannot guarantee:

• Uninterrupted access to our website or services
• Error-free operation of our platform
• Availability during maintenance or technical issues

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data or information
• Business interruption
• Financial losses from investment decisions
• Losses resulting from use or inability to use our services

Our total liability for any claims arising from your use of our services shall not exceed the amount you paid for the specific package giving rise to the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless FinEdu Academy, its instructors (including Sudha Murthy), employees, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Your financial decisions or actions

12. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information are governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our data practices as described in the Privacy Policy.

13. Third-Party Services

Our website may integrate with or link to third-party services, including:

• Payment processors
• Analytics services (Google Analytics, Facebook Pixel)
• Social media platforms
• External educational resources

We are not responsible for the practices, content, or services of third parties. Your interactions with third parties are governed by their respective terms and privacy policies.

14. Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

14.2 Jurisdiction

Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts in Ranchi, India.

14.3 Informal Resolution

Before initiating formal proceedings, we encourage you to contact us to seek informal resolution of any disputes.

15. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make changes:

• We will update the "Last Updated" date
• We will notify you of material changes via email or website notification
• Your continued use of our services after changes constitutes acceptance
• If you disagree with changes, you may terminate your account

16. Termination

16.1 By You

You may terminate your account at any time by contacting us. Termination does not entitle you to a refund unless within our refund period.

16.2 By Us

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

• Violation of these Terms
• Fraudulent activity
• Requests by law enforcement
• Extended periods of inactivity
• Technical or security reasons

16.3 Effect of Termination

Upon termination:

• Your access to purchased content will cease
• All licenses granted to you will terminate
• You must cease using our content and services
• Certain provisions of these Terms will survive termination

17. Miscellaneous

17.1 Entire Agreement

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

17.2 Severability

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

17.3 Waiver

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

17.4 Assignment

You may not assign or transfer these Terms without our written consent. We may assign our rights and obligations without restriction.

17.5 Force Majeure

We shall not be liable for any failure to perform due to circumstances beyond our reasonable control.

18. Contact Information

For questions, concerns, or notices regarding these Terms, please contact us:

FinEdu Academy
Address: 79, HemaPur, Ranchi - 450332, India
Phone: +440645264061
Email: [email protected]
Company Registration: 09715157

19. Acknowledgment

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