Effective Date: January 1, 2025
Last Updated: January 1, 2025
Welcome to FinWise. These Terms and Conditions ("Terms") govern your use of our website finwise.store and the purchase of our financial education courses and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our services.
By accessing, browsing, or using the FinWise website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and FinWise (Registration No: 55896196), located at 76030 Weber Pike Apt. 518, Port Favian, QC Y5X2M9, Canada.
You must be at least 18 years old to use our services and purchase our courses. By using our website, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.
To access certain features and purchase courses, you may need to create an account. You agree to:
You are responsible for all activities that occur under your account. We are not liable for any loss or damage arising from your failure to maintain account security.
All prices are listed in US dollars (USD) and are subject to change without notice. The price applicable to your purchase is the price displayed at the time you complete your order.
We accept various payment methods as indicated on our website. By providing payment information, you represent and warrant that:
After placing an order, you will receive an email confirmation. This confirmation does not signify our acceptance of your order; it is merely acknowledgment of receipt. We reserve the right to refuse or cancel any order for any reason.
Upon successful payment, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the purchased course materials for personal, non-commercial purposes.
Unless otherwise specified, you will have lifetime access to purchased courses, subject to these Terms and our continued operation of the platform.
You may not:
All content on our website, including but not limited to course materials, text, graphics, logos, images, videos, and software, is the property of FinWise or its licensors and is protected by copyright, trademark, and other intellectual property laws.
The FinWise name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of FinWise. You may not use these marks without our prior written permission.
You agree not to:
Our courses and content are provided for educational and informational purposes only. They are not intended to provide specific financial, investment, tax, legal, or accounting advice.
FinWise is not a financial advisor, and nothing on our website should be construed as personalized financial advice. You should consult with a qualified professional before making any financial decisions.
We make no guarantees regarding financial results or outcomes from using our courses. Individual results may vary based on numerous factors beyond our control.
Our website 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, fitness for a particular purpose, or non-infringement.
To the maximum extent permitted by law, FinWise shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from:
Our total liability to you for any claims arising from your use of our services shall not exceed the amount you paid for the specific course or service giving rise to the claim.
You agree to indemnify, defend, and hold harmless FinWise, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:
Please refer to our separate Refund Policy for detailed information about refunds, cancellations, and returns. The Refund Policy is incorporated into these Terms by reference.
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of these external sites. Your use of third-party websites is at your own risk.
We reserve the right to modify, suspend, or discontinue any part of our services at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of services.
You may terminate your account at any time by contacting us at [email protected]. Termination does not entitle you to a refund for any fees already paid.
We may terminate or suspend your account and access to our services immediately, without prior notice, if you breach these Terms or engage in conduct that we deem inappropriate or harmful.
Upon termination, your right to use our services will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.
These Terms shall be governed by and construed in accordance with the laws of Canada and the Province of Quebec, without regard to conflict of law principles.
Any dispute arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the Canadian Arbitration Association.
You agree that any arbitration or proceeding shall be conducted on an individual basis and not as a class action or representative action.
These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and FinWise regarding your use of our services.
If any provision of these Terms is found to be invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term.
You may not assign or transfer these Terms or your account without our prior written consent. We may assign our rights and obligations under these Terms without restriction.
We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the modified Terms.
If you have questions or concerns about these Terms, please contact us:
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.