Terms of Use

Effective date: January 1, 2025

1. Acceptance of Terms

Welcome to the Financial Learning Community ("FLC," "we," "our," or "us"). These Terms of Use ("Terms") govern your access and use of our website, educational services and content provided by the Financial Learning Community.

By accessing, browsing or using our website and services, you agree to be legally bound by these Terms. If you do not agree with these Terms, you should not use our services.

2. Service Description

FLC provides an online educational platform dedicated to financial learning and education about investment concepts. Our services include:

• Educational content about basic financial concepts
• Learning materials about market analysis
• Educational resources about financial management principles
• Access to collaborative learning community
• Educational seminars and Q&A sessions
• Educational tools and learning resources

3. Eligibility and Registration

To use our services, you must:

• Be at least 18 years of age
• Have legal capacity to enter into these Terms
• Provide accurate and complete information during registration
• Maintain the confidentiality of your account information
• Notify us immediately of any unauthorized use of your account

4. User Responsibilities

As a user of our educational services, you agree to:

• Use our services solely for legitimate educational purposes
• Not misinterpret educational content as personal financial advice
• Conduct your own research and due diligence before making any financial decisions
• Respect the intellectual property rights of all content
• Not distribute, copy or reproduce our educational content without authorization
• Participate respectfully in community discussions
• Not use our services for illegal or fraudulent activities
• Comply with all applicable laws and regulations

5. Educational Content and Intellectual Property

All content available in our services, including but not limited to texts, graphics, videos, educational materials, learning tools and software, is the property of FLC or its licensors and is protected by copyright laws and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable and revocable license to access and use our educational content solely for your personal learning purposes.

6. User-Generated Content

If you submit, post or share any content on our services (such as comments, questions or learning experiences), you:

• Retain ownership of your original content
• Grant us a worldwide, royalty-free license to use, display and distribute such content
• Represent and warrant that your content does not infringe third-party rights
• Are responsible for the accuracy and legality of your content

7. Prohibitions and Acceptable Use

It is strictly prohibited to:

• Use our services to obtain professional financial advice
• Interpret educational content as personal investment recommendations
• Attempt to access unauthorized areas of our services
• Interfere with the normal operation of our services
• Transmit viruses, malware or malicious code
• Violate applicable laws or third-party rights
• Engage in fraudulent or deceptive activities
• Impersonate another person or entity

8. Limitations and Exclusions of Liability

To the maximum extent permitted by law, FLC will not be liable for:

• Any financial decisions made based on our educational content
• Financial or investment losses of any kind
• Indirect, incidental, special or consequential damages
• Loss of profits, data or business opportunities
• Service interruptions or technical errors
• Third-party content or external links

9. Indemnification

You agree to indemnify, defend and hold harmless FLC, its affiliates, directors, employees and agents from all claims, liabilities, damages, losses and expenses (including reasonable attorney fees) arising from:

• Your use of our educational services
• Your violation of these Terms
• Your violation of third-party rights
• Any content you submit or post

10. Service Modifications

We reserve the right to:

• Modify, suspend or discontinue any part of our educational services
• Update our educational content and learning materials
• Change the structure or format of our services
• Implement new features or functionalities

We will make reasonable efforts to notify users of significant changes to our services.

11. Termination

These Terms will remain in effect until terminated by either party.

11.1 Termination by You

You may terminate your relationship with us at any time by ceasing to use our services and, if applicable, deleting your account.

11.2 Termination by Us

We may suspend or terminate your access to our services if:

• You violate these Terms or our policies
• You use our services inappropriately
• You participate in activities that may harm our services or users
• We are required to comply with legal obligations

12. Applicable Law and Jurisdiction

These Terms will be governed and interpreted in accordance with applicable laws, without giving effect to their conflict of law principles. Any dispute arising from these Terms will be subject to the exclusive jurisdiction of the competent courts.

13. Severability

If any provision of these Terms is found to be invalid, illegal or unenforceable, the remaining provisions will remain in full force and effect. The invalid provision will be replaced by a valid provision that most closely approximates the intent of the original provision.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and FLC regarding your use of our educational services and replace all prior agreements, communications and proposals.

15. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make significant changes, we will notify you by:

• Publishing the updated terms on our website
• Updating the "Effective date"
• Sending an email notification (if applicable)
• Highlighting changes on our website

Your continued use of our services after the publication of the modified terms constitutes your acceptance of the new terms.

16. Survival

The provisions of these Terms that by their nature must survive termination will continue in effect after termination, including but not limited to: intellectual property, liability limitations, indemnification and applicable law.

By using our services, you acknowledge that you have read, understood and agree to be subject to these Terms of Use. We recommend that you save a copy of these terms for your records.

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