Terms & Conditions

1. Agreement to Terms

Welcome to FinConsult Academy. These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Student," "you," or "your") and FinConsult Academy ("Academy," "we," "our," or "us") regarding your access to and use of our website (financeconsultingcourses.com) and educational services.

By accessing our website, registering for an account, enrolling in courses, or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our services.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age or the age of legal majority in your jurisdiction
• Have the legal capacity to enter into binding contracts
• Provide accurate, complete, and current information during registration
• Not be prohibited from using our services under applicable laws
• Comply with all terms and conditions set forth herein

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

3. Account Registration and Security

3.1 Account Creation

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

• Provide accurate, truthful, and complete registration information
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your login credentials
• Notify us immediately of any unauthorized access or security breach
• Accept responsibility for all activities that occur under your account

3.2 Account Termination

We reserve the right to suspend or terminate your account at any time if:

• You violate these Terms or applicable laws
• You engage in fraudulent, abusive, or illegal activities
• You provide false or misleading information
• Your account remains inactive for an extended period
• We are required to do so by law or regulatory authority

4. Course Enrollment and Access

4.1 Course Purchase

When you purchase a course, you receive a limited, non-exclusive, non-transferable license to access course content for personal educational use only. Course offerings include:

• Advanced Investment Analysis ($899.00)
• Financial Planning & Wealth Management ($799.00)
• Risk Management & Compliance ($699.00)
• Corporate Finance Mastery ($999.00)
• Financial Consulting Fundamentals ($499.00)

4.2 Access and Duration

Unless otherwise specified, course access includes:

• Lifetime access to course materials and updates
• Access to video lectures, downloadable resources, and supplementary materials
• Participation in course discussions and Q&A sessions
• Certificate of completion upon successfully finishing course requirements

We reserve the right to modify or discontinue courses at any time, though existing students will retain access to purchased content.

4.3 Course Requirements

To successfully complete a course and receive certification, you must:

• Complete all required modules and assignments
• Achieve minimum passing scores on assessments (if applicable)
• Comply with academic integrity standards
• Meet any specific prerequisites or eligibility requirements

5. Payment Terms

5.1 Pricing and Fees

All prices are listed in U.S. Dollars (USD) and are subject to change without notice. Promotional pricing and discounts are subject to availability and specific terms. You agree to pay all fees associated with your course purchases.

5.2 Payment Methods

We accept various payment methods through secure third-party payment processors. By providing payment information, you authorize us to charge the applicable fees to your selected payment method.

5.3 Billing

Payment is due immediately upon enrollment unless otherwise specified. You are responsible for all applicable taxes, and we will charge tax when required by law.

5.4 Failed Payments

If payment cannot be processed, we reserve the right to suspend your course access until payment is received. Repeated payment failures may result in account termination.

6. Refund Policy

Our refund policy is detailed separately in our Refund Policy document. Please review it carefully before making a purchase. By enrolling in courses, you acknowledge that you have read and agree to our refund terms.

7. Intellectual Property Rights

7.1 Our Content

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

• Video lectures and audio recordings
• Written materials, articles, and publications
• Templates, tools, and calculators
• Images, graphics, and visual designs
• Software, code, and technical systems
• Trademarks, logos, and brand elements

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

7.2 Restrictions on Use

You may not:

• Copy, reproduce, distribute, or publicly display course content
• Modify, create derivative works, or reverse engineer our materials
• Share your account credentials or course access with others
• Record, screenshot, or capture course content for redistribution
• Use course materials for commercial purposes
• Remove or alter copyright notices or proprietary markings
• Download bulk course content using automated means

7.3 User Content

If you submit content to our platform (comments, forum posts, assignments), you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and display such content for educational and operational purposes.

8. Academic Integrity and Code of Conduct

8.1 Honor Code

You agree to maintain the highest standards of academic integrity by:

• Completing all coursework independently unless collaboration is explicitly permitted
• Not plagiarizing or copying others' work
• Not sharing exam questions or answers
• Properly citing sources and attributing credit
• Not using unauthorized materials during assessments

8.2 Prohibited Conduct

You must not:

• Harass, threaten, or abuse other students or instructors
• Post offensive, discriminatory, or inappropriate content
• Engage in fraudulent or deceptive practices
• Disrupt the learning environment or platform functionality
• Attempt to gain unauthorized access to systems or accounts
• Use our services for illegal activities

8.3 Consequences of Violations

Violations of academic integrity or code of conduct may result in:

• Forfeiture of course credit or certification
• Suspension or termination of account access
• No refund of course fees
• Reporting to relevant professional bodies
• Legal action if warranted

9. Professional Certifications and Accreditation

9.1 Certification Claims

Our courses are designed to support professional development and may align with various certification programs including CFA, CFP, FRM, and CPA. However:

• Completion of our courses does not guarantee certification by professional bodies
• You are responsible for meeting all requirements of certifying organizations
• We make no warranties regarding certification exam passage rates
• Professional certifications require separate applications and examinations

9.2 Accreditation Status

While we maintain partnerships with leading professional organizations, our courses are educational programs and not formal accreditation programs. Any claims regarding accreditation are accurate as of the date published but subject to change.

10. Disclaimers and Limitations of Liability

10.1 Educational Purpose

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

• Financial, investment, or legal advice
• Professional consulting or advisory services
• Personalized recommendations for specific situations
• Guarantees of career advancement or income increases

10.2 No Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE ACCURACY.

10.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINCONSULT ACADEMY 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:

• Your use or inability to use our services
• Any unauthorized access to or use of our servers
• Any interruption or cessation of services
• Any errors or omissions in course content
• Any decisions made based on course information

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SPECIFIC COURSE GIVING RISE TO THE CLAIM.

11. Indemnification

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

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

12. Modifications to Services and Terms

12.1 Service Changes

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time, with or without notice. We shall not be liable for any modification, suspension, or discontinuation of services.

12.2 Terms Updates

We may update these Terms from time to time. Changes will be effective when posted on our website with an updated "Last Updated" date. Your continued use of services after changes constitutes acceptance of modified Terms.

13. Governing Law and Dispute Resolution

13.1 Governing Law

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

13.2 Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through:

• Good faith negotiations between the parties
• Mediation, if negotiations fail
• Binding arbitration in accordance with South African arbitration rules
• The courts of South Africa, if arbitration is unavailable

13.3 Class Action Waiver

To the extent permitted by law, you agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

14. Miscellaneous Provisions

14.1 Entire Agreement

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

14.2 Severability

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

14.3 Waiver

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

14.4 Assignment

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

14.5 Force Majeure

We shall not be liable for any delay or failure to perform resulting from causes beyond our reasonable control, including natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

15. Contact Information

For questions about these Terms or our services, please contact us:

16. Acknowledgment

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.