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 11 financial pillars
• Up to 88 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
• Maintain the security of your password
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

Eligibility

You must be at least 13 years old to use our service. If you are under 18, you represent that you have your parent's or guardian's permission to use the service.

4. Subscription and Payment

Free and Paid Plans

FinanceU offers both free and paid subscription plans. By subscribing to a paid plan, you agree to pay all applicable fees.

Billing

• Subscriptions are billed on a recurring basis (monthly or annually)
• You authorize us to charge your payment method automatically
• Prices are subject to change with 30 days notice
• All fees are non-refundable except as required by law or stated in our refund policy

Cancellation

You may cancel your subscription at any time from your account settings. Cancellation will take effect at the end of your current billing period.

Refund Policy

We offer a 30-day money-back guarantee for new paid subscriptions. To request a refund, contact us at [email protected] within 30 days of your initial purchase.

5. User Conduct

You agree not to:

• Use the service for any illegal purpose or in violation of any laws
• Share your account credentials with others
• Copy, distribute, or modify any part of the service without permission
• Attempt to gain unauthorized access to our systems
• Transmit viruses or malicious code
• Use automated systems to access the service without permission

6. Intellectual Property

Our Content

All content on FinanceU, including text, graphics, logos, courses, and software, is owned by FinanceU 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 our service for personal, non-commercial purposes. You may not:

• Reproduce, distribute, or create derivative works from our content
• Download courses or materials for distribution to others
• Remove any copyright or proprietary notices

7. Disclaimers

Educational Purposes Only

The information provided on FinanceU is for educational purposes only and should not be considered professional financial advice. We are not financial advisors, and you should consult with qualified professionals before making financial decisions.

No Guarantees

We do not guarantee specific financial outcomes from using our service. Your financial success depends on many factors outside our control.

Service Availability

We strive to maintain uninterrupted service but do not guarantee that our service will always be available, error-free, or free from viruses or other harmful components.

8. Limitation of Liability

To the maximum extent permitted by law, FinanceU and its affiliates 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 the service
• Any unauthorized access to or use of our servers
• Any bugs, viruses, or other harmful code
• Any errors or omissions in content
• Financial decisions made based on our content

9. Indemnification

You agree to indemnify and hold harmless FinanceU and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the service or violation of these terms.

10. Modifications to Service and Terms

We reserve the right to modify or discontinue the service at any time, with or without notice. We may also update these Terms of Service from time to time. Continued use of the service after changes constitutes acceptance of the new terms.

11. Termination

We may terminate or suspend your account and access to the service immediately, without prior notice, for any reason, including if you breach these Terms of Service. Upon termination, your right to use the service will immediately cease.

12. 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.

13. Dispute Resolution

Any disputes arising from these terms or your use of the service shall be resolved through binding arbitration, except where prohibited by law.

14. Severability

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

15. Contact Information

If you have any questions about these Terms of Service, please contact us:

• Email: [email protected]
• Contact Form: Contact Us

By using FinanceU, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.