1. Agreement to Terms
By accessing or using our website (the "Site") and services ("Services") provided by Financial Literacy Coach ("we", "us", "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site or Services. These Terms apply to all visitors, users, and others who wish to access or use the Service. We reserve the right to modify these terms at any time, and such modifications shall be effective immediately upon posting of the modified terms. You agree to review the agreement periodically to be aware of such modifications and your continued access or use of the Site shall be deemed your conclusive acceptance of the modified agreement.
Your access to and use of the Service is also conditioned on your acceptance of and compliance with our Privacy Policy. Our Privacy Policy describes our policies and procedures on the collection, use, and disclosure of your personal information when you use the Application or the Website and tells you about your privacy rights and how the law protects you. Please read our Privacy Policy carefully before using our Service.
2. Our Services
Financial Literacy Coach provides financial education, coaching, workshops, and resources aimed at improving personal financial literacy. Our Services are for informational and educational purposes only and should not be considered as financial, investment, legal, or tax advice. We are not financial advisors, brokers, or fiduciaries. Any decisions you make based on information obtained from our Services are your sole responsibility. You should consult with a qualified professional for advice tailored to your specific financial situation before making any financial decisions.
We strive to provide accurate and up-to-date information, but we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. We do not guarantee any specific financial outcomes or results from the use of our Services.
3. User Accounts
To access certain features of our Services, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your account password and for any activities or actions under your account, whether or not you have authorized such activities or actions. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account. We reserve the right to suspend or terminate your account if any information provided during the registration process or thereafter proves to be inaccurate, false, or misleading.
You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you, without appropriate authorization. You may not use as a username any name that is offensive, vulgar or obscene.
4. Intellectual Property Rights
The Site and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of Financial Literacy Coach and its licensors. The Service is protected by copyright, trademark, and other laws of both the [Your Country] and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Financial Literacy Coach. You are granted a limited license only, subject to the restrictions provided in these Terms, for purposes of viewing the material contained on this Site.
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us. This includes all materials provided in workshops, research articles, and community forums.
5. User Conduct and Responsibilities
You agree to use the Services only for lawful purposes and in accordance with these Terms. You are prohibited from using the Site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information.
Furthermore, you agree not to: (g) upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of افتhe prohibited uses.
6. Disclaimers and Limitation of Liability
The Services are provided on an "AS IS" and "AS AVAILABLE" basis. Financial Literacy Coach makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Financial Literacy Coach does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site. The information provided is for educational purposes only and is not intended as financial advice.
In no event shall Financial Literacy Coach or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials or services on Financial Literacy Coach's website, even if Financial Literacy Coach or a Financial Literacy Coach authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
7. Links to Other Websites
Our Service may contain links to third-party web sites or services that are not owned or controlled by Financial Literacy Coach. Financial Literacy Coach has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party web sites or services. You further acknowledge and agree that Financial Literacy Coach shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit. The inclusion of any link does not imply endorsement by Financial Literacy Coach of the site. Use of any such linked website is at the user's own risk.
8. Governing Law
These Terms shall be governed and construed in accordance with the laws of [Your Jurisdiction, e.g., State of California, USA], without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.
9. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, please stop using the website and the Service.
10. Contact Us
If you have any questions about these Terms, please contact us:
- By email: [email protected]
- By visiting this page on our website: ./contacts.html
- By mail: FinCoach Legal Department, 123 Finance St, Suite 400, Knowledge City, KC 54321, [Your Country]