Terms of Service

Last Updated: December 2025

Welcome to FinanceU. By accessing or using our website and services, you agree to be bound by these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By creating an account, accessing, or using FinanceU's services, you agree to comply with and be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Description of Service

FinanceU provides online financial education courses and resources designed for beginners in personal finance. Our service includes:

• Educational courses and lessons organized into 5 financial paths
• 25 comprehensive lesson plans across different subscription tiers
• Actionable steps and guidance for implementing financial knowledge
• Progress tracking and completion certificates

3. User Accounts

Account Creation

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

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Keep your password secure and confidential
• Accept responsibility for all activities under your account

Account Security

You are responsible for maintaining the confidentiality of your account credentials. Notify us immediately of any unauthorized access or security breach.

4. Subscription Plans & Billing

Pricing

FinanceU offers three subscription tiers:

• Free Plan: Access to 5 lessons (Path 1: Banking Basics)
• Pro Plan ($9.99/month): Access to 15 lessons (Paths 1-3)
• Expert Plan ($19.99/month): Access to all 25 lessons (Paths 1-5)

Payment Terms

• Subscriptions are billed monthly in advance
• All payments are processed securely through Stripe
• Prices are subject to change with 30 days notice
• You can cancel your subscription at any time

Refund Policy

We offer a 14-day money-back guarantee for first-time subscribers. After 14 days, no refunds will be provided for partial subscription periods.

5. Educational Disclaimer

IMPORTANT: FinanceU provides educational content only and does not offer financial advice. We are not financial advisors, and our content should not be considered as personalized financial, investment, or legal advice.

You should:

• Always consult with qualified professionals before making financial decisions
• Verify information with certified financial advisors, accountants, or attorneys
• Understand that financial situations vary and what works for one person may not work for another
• Do your own research and due diligence

6. Intellectual Property

All content on FinanceU, including text, graphics, logos, videos, and software, is owned by FinanceU or its licensors and protected by copyright, trademark, and other intellectual property laws.

Limited License

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

• Access and use the content for personal, non-commercial educational purposes
• Download course materials for offline study

Prohibited Uses

You may NOT:

• Reproduce, distribute, or sell FinanceU content
• Share your account credentials with others
• Use automated tools to scrape or download content
• Modify, reverse engineer, or create derivative works

7. User Conduct

You agree not to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Upload malicious code or viruses
• Harass, abuse, or harm other users
• Attempt to gain unauthorized access to our systems
• Use the service for any illegal or unauthorized purpose

8. Termination

We reserve the right to suspend or terminate your account at our discretion if you violate these Terms or engage in conduct we deem harmful to FinanceU or other users.

Account Cancellation

You may cancel your subscription at any time through your account settings. Upon cancellation, you'll retain access until the end of your current billing period.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINANCEU 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.

10. Changes to Terms

We may update these Terms from time to time. We will notify you of significant changes by email or through a prominent notice on our website. Your continued use of FinanceU after changes constitute acceptance of the updated Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

12. Contact Information

If you have questions about these Terms, please contact us at:

Email: [email protected]

Website: www.financeu.com/contact