Terms of Service

1. Terms and Conditions

These Terms and Conditions (“Terms”) govern your access to and use of the website https://www.financial-sciences.com (the “Site”) operated by Financial Sciences Academy (“we”, “us”, “our”).
By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please discontinue use of the Site.

2. Services

We provide online educational content, courses, programs, and digital materials (“Services”).
All Services are provided for educational and informational purposes only and do not constitute financial, investment, or legal advice.

3. Payments & Payment Processing

Payments for our Services are processed via a secure third-party payment provider.
By making a purchase, you acknowledge and agree that:
* Payment processing, billing, and applicable taxes may be handled by a third-party payment provider.
* We do not store or process full payment card details on our servers.
* Additional terms of the payment provider may apply to your transaction depending on your location and payment method.

4. Pricing & Billing

Prices for Services are displayed on the Site at the time of purchase.
All applicable taxes may be calculated and applied during checkout where required by law.
We reserve the right to update pricing at any time. Any changes will not affect completed purchases.

5. Refund Policy

Customers are entitled to a refund within 14 days of purchase.

Refund requests can be made for any reason and no justification is required.

To request a refund, customers may contact us at:
accounts@fngrm.app

Refunds will be processed to the original payment method used at checkout.

6. Intellectual Property

All content available on the Site, including text, videos, graphics, logos, and course materials, is owned by us or licensed to us and is protected by applicable intellectual property laws.
You may not copy, reproduce, distribute, resell, or exploit any content without prior written permission.

7. User Conduct

You agree not to:
* Use the Site for unlawful purposes.
* Attempt to gain unauthorized access to systems or content.
* Share, resell, or redistribute paid content or login credentials.

8. Limitation of Liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, consequential, or special damages arising from your use of the Site or Services.
Educational outcomes may vary and are not guaranteed.

9. Privacy

Your use of the Site is subject to our Privacy Policy, which explains how personal data is collected and processed.
Payment-related data is processed securely by third-party payment providers in accordance with their own privacy policies.

10. Third-Party Services

Certain Site features may rely on third-party services. We are not responsible for the content, policies, or practices of third-party providers.

11. Changes to Terms

We may update these Terms from time to time. Updates take effect upon publication on this page. Continued use of the Site constitutes acceptance of the revised Terms.

12. Contact Information

For questions regarding these Terms or our Services, please contact:
Email: accounts@fngrm.app