Terms & Conditions

Last Updated: January 2025

1. Agreement to Terms

Welcome to FinanceEdu Pro. These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and FinanceEdu Pro, Registration No. 20740317 ("Company," "we," "us," or "our"), governing your access to and use of our website https://envisagedigital.com and all associated services, products, and content.

By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our services.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using our services under applicable laws
• Provide accurate and complete registration information
• Maintain the security and confidentiality of your account credentials

3. Products and Services

FinanceEdu Pro offers the following categories of products and services:

3.1 Educational Products

• Complete Financial Education Course - $499.99
• Video lessons, interactive modules, and downloadable resources
• Lifetime access to course materials and updates
• Certificate of completion upon finishing the course

3.2 Software and Technology

• Advanced Trading Analytics Platform - $299.99
• Automated Trading Bot Suite - $899.99
• License-based access with technical support
• Regular updates and maintenance

3.3 Subscription Services

• Market Insights Pro Subscription - $149.99/month
• Daily market analysis and trading signals
• Access to premium research and webinars
• Cancellable at any time

3.4 Conference Access

• Business Finance Conference 2025 Access - $799.99
• Virtual attendance to 3-day conference
• Recording access for 12 months
• Networking opportunities and digital resources

4. Account Registration and Security

When creating an account with FinanceEdu Pro:

• You must provide accurate, current, and complete information
• You are responsible for maintaining the confidentiality of your password
• You must notify us immediately of any unauthorized account access
• You are responsible for all activities under your account
• We reserve the right to suspend or terminate accounts that violate these Terms
• You may not share your account with others or create multiple accounts

5. Payment Terms

5.1 Pricing and Fees

• All prices are displayed in US Dollars (USD)
• Prices are subject to change without prior notice
• Applicable taxes will be added at checkout (currently 10% tax rate)
• Payment is due in full at the time of purchase

5.2 Payment Methods

We accept major credit cards and other payment methods as displayed at checkout. By providing payment information, you represent that you are authorized to use the payment method.

5.3 Subscription Billing

• Subscriptions automatically renew unless cancelled
• You will be charged on the renewal date
• You can cancel subscriptions at any time through your account
• Cancellations take effect at the end of the current billing period

6. Refund Policy

Please refer to our separate Refund Policy for detailed information about refunds, cancellations, and returns. Key points include:

• 14-day money-back guarantee on most products
• Specific conditions and exclusions apply
• Refund requests must be submitted through proper channels
• Digital products may have different refund terms

7. Intellectual Property Rights

All content, materials, and products provided by FinanceEdu Pro are protected by intellectual property laws:

• We own all rights to our website, content, software, and materials
• You receive a limited, non-exclusive, non-transferable license to use our products
• You may not reproduce, distribute, or create derivative works without permission
• Course materials are for personal use only and may not be shared
• Violations may result in account termination and legal action

8. User Conduct and Prohibited Activities

You agree not to:

• Violate any applicable laws or regulations
• Infringe upon intellectual property rights
• Share account credentials or purchased products with others
• Attempt to reverse engineer, decompile, or hack our software
• Use our services for illegal or fraudulent purposes
• Spam, harass, or abuse other users or our staff
• Upload malicious code or attempt to compromise system security
• Scrape, data mine, or extract content without authorization
• Misrepresent your affiliation with any person or entity

9. Educational Disclaimer

10. Limitation of Liability

To the maximum extent permitted by law:

• FinanceEdu Pro is not liable for any indirect, incidental, special, or consequential damages
• Our total liability shall not exceed the amount you paid for the specific product or service
• We are not responsible for losses resulting from trading or investment decisions
• We do not guarantee uninterrupted or error-free service
• We are not liable for third-party content, products, or services

11. Warranties and Disclaimers

Our products and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties regarding accuracy, reliability, or completeness of content
• Warranties that services will meet your requirements or expectations

We hold ISO 20740317 certification, demonstrating our commitment to quality standards, but do not warrant specific outcomes or results.

12. Indemnification

You agree to indemnify, defend, and hold harmless FinanceEdu Pro, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of third parties
• Your trading or investment activities

13. Termination

We reserve the right to suspend or terminate your access to our services:

• For violation of these Terms
• For fraudulent or illegal activities
• For non-payment of fees
• At our discretion with or without notice

Upon termination:

• Your right to use our services immediately ceases
• You remain liable for any outstanding payments
• Provisions regarding intellectual property, disclaimers, and limitations of liability survive

14. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the modified Terms.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of India. Any disputes arising from these Terms or your use of our services shall be resolved through:

• Good faith negotiations between the parties
• Mediation if negotiations fail
• Binding arbitration in Patna, India
• Courts of Patna, India, as applicable

16. Severability

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

17. Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and FinanceEdu Pro regarding your use of our services and supersede all prior agreements and understandings.

18. Contact Information

For questions about these Terms, please contact us using the information above.

By using FinanceEdu Pro services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.