Terms of Service

Effective Date: July 25, 2025

Welcome to Finx Academy ("we", "our", or "us"). These Terms of Service ("Terms") govern your use of our finance education platform available at www.finxacademy.pro and any related services. By accessing or using our platform, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account, accessing our content, or using any part of Finx Academy, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not use our services.

These Terms constitute a legally binding agreement between you and Finx Academy. If you are using our services on behalf of an educational institution, you represent that you have the authority to bind that institution to these Terms.

2. Eligibility and Account Registration

Age Requirements

  • You must be at least 13 years old to create an individual account
  • Users aged 13-17 must have parental or guardian consent
  • Educational institutions may create accounts for students under supervision
  • Users under 18 may have additional restrictions on certain features

Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must:

  • Provide accurate and complete registration information
  • Keep your account information up to date
  • Use a secure password and protect your login credentials
  • Notify us immediately of any unauthorized use of your account
  • Not share your account with others

3. Educational Services and Content

Nature of Educational Content

Finx Academy provides financial education content, including but not limited to:

  • Interactive courses on finance and economics
  • Investment simulation tools and portfolio exercises
  • Assessment and testing materials
  • Educational videos, articles, and resources
  • Virtual trading platforms for learning purposes
  • Financial literacy training modules

Educational Purpose Disclaimer

Important Notice:

All content on Finx Academy is for educational purposes only. Nothing on our platform constitutes financial advice, investment recommendations, or professional financial guidance. Simulation results do not guarantee real-world investment performance. Always consult with qualified financial professionals before making investment decisions.

4. User Conduct and Prohibited Activities

Acceptable Use

You agree to use Finx Academy in accordance with these Terms and applicable laws. You may use our platform for legitimate educational purposes only.

Prohibited Activities

You may not:

  • Use the platform for any illegal or unauthorized purpose
  • Share, distribute, or resell our educational content without permission
  • Attempt to gain unauthorized access to our systems or other users' accounts
  • Upload malicious code, viruses, or harmful software
  • Harass, intimidate, or discriminate against other users
  • Impersonate another person or entity
  • Use automated systems to access the platform (bots, scrapers, etc.)
  • Circumvent security measures or access controls
  • Post inappropriate, offensive, or non-educational content
  • Attempt to reverse engineer or copy our proprietary technology

Academic Integrity

Users must maintain academic integrity when using our platform. This includes not sharing assessment answers, not engaging in plagiarism, and honestly completing all educational activities.

5. Intellectual Property Rights

Our Content

All content on Finx Academy, including courses, assessments, videos, text, graphics, logos, and software, is owned by Finx Academy or our licensors and is 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 platform for educational purposes. This license does not permit you to:

  • Download or copy content except as specifically permitted
  • Distribute, modify, or create derivative works
  • Use content for commercial purposes
  • Remove copyright or proprietary notices

User-Generated Content

When you submit content to our platform (comments, assignments, etc.), you retain ownership but grant us a license to use, display, and distribute that content for educational and platform improvement purposes.

6. Payment Terms and Subscriptions

Pricing and Billing

Some features of Finx Academy may require payment. All prices are displayed in USD and are subject to change with notice. You agree to pay all charges associated with your account.

Subscription Services

  • Subscription fees are charged in advance on a recurring basis
  • You may cancel your subscription at any time through your account settings
  • Cancellations take effect at the end of the current billing period
  • No refunds are provided for partial months or unused portions

Educational Institution Pricing

Special pricing and terms may apply to educational institutions. These arrangements are governed by separate institutional agreements.

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our data practices as described in the Privacy Policy.

For educational users, we comply with applicable student privacy laws including FERPA and COPPA. Educational institutions maintain ownership of student data, and we act as a service provider under their direction.

8. Platform Availability and Modifications

Service Availability

We strive to maintain 99.9% uptime, but we do not guarantee uninterrupted access to our platform. We may temporarily suspend service for maintenance, updates, or due to circumstances beyond our control.

Platform Modifications

We reserve the right to modify, update, or discontinue any aspect of our platform at any time. We will provide reasonable notice of significant changes that affect your use of the service.

9. Disclaimers and Limitations of Liability

Educational Disclaimers

Important Disclaimers:

  • Educational content is provided "as is" without warranties of any kind
  • We do not guarantee specific learning outcomes or certification acceptance
  • Simulation results do not predict real-world investment performance
  • Content may contain errors or become outdated
  • We are not responsible for decisions made based on our educational content

Limitation of Liability

To the maximum extent permitted by law, Finx Academy shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, data loss, or business interruption, arising from your use of our platform.

10. Indemnification

You agree to indemnify and hold harmless Finx Academy, its officers, employees, and agents from any claims, damages, or expenses arising from your use of our platform, your violation of these Terms, or your violation of any rights of another party.

11. Termination

Account Termination

You may terminate your account at any time by contacting us or using account deletion features. We may terminate or suspend your account if you violate these Terms or engage in prohibited activities.

Effect of Termination

Upon termination, your access to the platform will cease, and we may delete your account data in accordance with our data retention policies. Certain provisions of these Terms will survive termination.

12. Dispute Resolution and Governing Law

Governing Law

These Terms are governed by the laws of [Your Jurisdiction], without regard to conflict of law principles. Any disputes will be resolved in the courts of [Your Jurisdiction].

Dispute Resolution Process

Before pursuing legal action, you agree to first contact us to attempt to resolve any disputes informally. For educational institution disputes, we will work through appropriate administrative channels.

13. Accessibility and Accommodations

We are committed to making our platform accessible to users with disabilities. If you need accommodations to access our educational content, please contact us at accessibility@finxacademy.pro. We will work with you and your educational institution to provide reasonable accommodations.

14. International Users

Finx Academy is operated from the United States. If you access our platform from other countries, you are responsible for compliance with local laws. Some features may not be available in all jurisdictions due to regulatory restrictions.

15. Changes to Terms

We may update these Terms periodically to reflect changes in our services or legal requirements. Material changes will be communicated through email or platform notifications at least 30 days before they take effect. For educational institutions, we will provide additional notice through appropriate administrative channels.

Your continued use of the platform after changes take effect constitutes acceptance of the new Terms. If you disagree with changes, you may terminate your account.

16. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Finx Academy regarding use of our platform.

17. Contact Information

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

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