TERMS OF SERVICE

Last Updated: 09 March 2026

These Terms of Service (the “Agreement” or the “Offer”) are issued by Financial Education Limited, an exempted company incorporated under the laws of the Cayman Islands, with its registered office at Vistra (Cayman) Limited, P.O. Box 31119, Grand Pavilion, Hibiscus Way, 802 West Bay Road, Grand Cayman, KY1-1205, Cayman Islands (the “Company”, “we”, “us”, or “our”).
This Agreement governs the access to and use of our digital online program and related informational services, providing structured access to thematic materials, recorded video content, supplementary files, practical tasks, analytical content, and private community interaction delivered through an online platform (the “Program” or the “Service”) and applies to any natural or legal person who registers, accesses, purchases, or otherwise uses the Service or any related features (the “User”, “Client”, “you”, or “your”).
By accepting this Offer, including by registering, creating an account, making a payment, clicking an acceptance checkbox, or accessing any part of the Service, you acknowledge and agree that you have read, understood, and agree to be legally bound by this Agreement, which constitutes a legally binding electronic contract.
You confirm that you are at least eighteen (18) years old, have full legal capacity under the applicable laws of your jurisdiction, and are not restricted or prohibited from accessing or using digital informational programs or online services of a similar nature.
If you do not agree with any part of this Agreement, you must not register, access, purchase, or use the Service.

1. DEFINITIONS AND INTERPRETATION
For the purposes of this Agreement, the following terms shall have the meanings ascribed to them below, unless the context clearly requires otherwise:
1.1. “Agreement” or “Terms” means these Terms of Service, including any policies or documents incorporated by reference, as amended from time to time.
1.2. “Company” means Financial Education Limited, an exempted company incorporated under the laws of the Cayman Islands.
1.3. “Service” or “Program” means the digital online program “AI Avatar Architect”, including access to digital materials, workshops, recorded sessions, community spaces, and other informational components made available by the Company through the Platform.
1.4. “Platform” means any website, application, software environment, learning platform, communication channel, or digital system designated by the Company through which the Service or its components are delivered.
1.5. “User”, “Client”, “Participant”, “you”, or “your” means any individual or legal entity who registers for, accesses, purchases, or otherwise uses the Service.
1.6. “User Account” means the personal account created by a User on the Platform for the purpose of accessing the Service.
1.7. “Materials” means all digital content made available through the Service, including but not limited to video sessions, workshop recordings, templates, examples, presentations, documents, visual materials, community content, and other informational resources.
1.8. “Workshop” means any live or recorded online event, training session, presentation, or similar activity organized by the Company as part of the Service.
1.9. “Community Spaces” means any private or restricted communication channels provided by the Company as part of the Service, including chat groups, discussion channels, private forums, or messaging environments.
1.10. “Affiliate and Referral Program Policy” means the separate document that governs participation in the Company’s affiliate or referral program, including rules for referral links, commissions, payouts, and promotional activities.
1.11. “Affiliate” means any individual or entity participating in the Company’s affiliate or referral program for the purpose of promoting the Service.
1.12. “Purchase Page” means any official webpage, checkout page, or sales page published by the Company that describes the price, scope, and conditions of a particular Service component.
1.13. “Upsell” means any optional additional product, program extension, mentorship component, or other paid Service element offered to the User after initial registration or purchase.
1.14. “Mentorship” means any optional mentoring, advisory, or support component that may be offered by the Company as part of or in addition to the Service.
1.15. “Applicable Law” means the laws of the Cayman Islands and any mandatory consumer protection laws that may apply based on the User’s place of residence.
1.16. “Notice” means any official communication sent by the Company through email, the Platform, or other digital communication channels.

2. NATURE AND SCOPE OF THE SERVICE
2.1. The Service provides Users with access to a digital online program focused on the creation, management, and monetization of AI-generated digital personas (AI avatars), digital media assets, and online content. The Service may include recorded video sessions, live or recorded workshops, digital materials, templates, demonstrations, practical examples, and other informational resources made available through the Platform.
2.2. The Service may include informational materials, conceptual frameworks, and examples relating to the development and use of AI-generated digital personas, digital content creation, and online monetization models within digital ecosystems.
2.3. Depending on the specific offer, the Service may include components such as live workshops, recorded sessions, digital resources, templates, community-based discussions, and other informational materials provided through the Platform.
2.4. The Service constitutes a digital informational program and does not constitute financial advice, investment advice, legal advice, tax advice, brokerage services, portfolio management, or any other regulated professional service. The Company does not provide personalised recommendations, investment strategies, trading instructions, or financial guidance tailored to any individual User.
2.5. The Company may provide examples, case studies, scenarios, demonstrations, or illustrative explanations related to digital business models, AI-generated content, online monetization strategies, or digital asset ecosystems. Such examples are provided solely for informational and illustrative purposes.
2.6. The Company does not guarantee that participation in the Service will result in any financial gain, business success, income generation, audience growth, or other commercial outcomes.
2.7. The Company may update, modify, replace, expand, limit, or discontinue any part of the Service, including the program structure, materials, features, content, speakers, sessions, or tools at any time at its sole discretion.
2.8. The Service may include live events, recorded workshops, online sessions, or other time-based activities. The schedule, format, availability, and participation conditions for such activities may change at the Company’s discretion.
2.9. Any community spaces provided as part of the Service are intended for informational discussion and peer interaction only. The Company does not guarantee moderation, response times, or participation by specific individuals, instructors, speakers, or representatives.
2.10. Any references to income potential, monetization strategies, or business opportunities presented within the Service, Materials, or marketing content are illustrative examples only and shall not be interpreted as guarantees or promises of financial results.
2.11. The Service and all Materials are provided solely as informational digital content, and Users remain solely responsible for their own decisions, activities, and outcomes.

3. ACCESS RULES AND SERVICE AVAILABILITY
3.1. Access to the Service is granted in accordance with the format, scope, and availability described on the applicable registration page, purchase page, or other official Service page published by the Company at the relevant stage of the funnel.
3.2. The Service may include different access stages and components, including but not limited to: registration for a live online workshop, access to a private communication channel, warm-up materials, bonus materials, workshop participation, workshop replay, access to a core digital product, and access to optional upsell or mentorship components.
3.3. Access to each stage or component of the Service may be subject to separate timing, availability conditions, technical requirements, and participation rules as determined by the Company and communicated on the relevant page, within the Platform, or through official communication channels.
3.4. Access to free registration components, including registration pages, waitlists, or workshop registration forms, does not by itself create any right to access paid components of the Service unless and until a separate purchase is completed and confirmed.
3.5. Access to any paid component of the Service is granted only after the applicable payment has been successfully processed and confirmed by the Company.
3.6. Certain elements of the Service may be live, scheduled, time-sensitive, or available only during a limited launch window. The Company does not guarantee that any live session, replay, bonus material, or other component will remain available indefinitely unless expressly stated otherwise on the relevant purchase page.
3.7. The Company may determine, modify, or update the schedule, sequence, duration, release timing, availability period, and internal structure of any part of the Service, including any workshop, replay, community access, digital materials, or optional program components.
3.8. Access to the Service is granted solely to the registered User for personal use. The User shall not share login credentials, provide access to third parties, transfer access, resell access, sublicense access, or otherwise allow any unauthorized person to use the Service.
3.9. The Company may temporarily suspend, restrict, or interrupt access to any part of the Service for technical maintenance, security reasons, updates, moderation needs, operational reasons, or force majeure circumstances. Such temporary suspension or interruption shall not constitute grounds for compensation unless otherwise required by applicable mandatory law.
3.10. Any private channels, community spaces, discussion groups, or communication environments made available as part of the Service may be governed by separate technical, conduct, moderation, or participation rules established by the Company.
3.11. Unless expressly stated otherwise by the Company on the relevant purchase page, access to the Service is non-recurring, does not automatically renew, and expires in accordance with the conditions applicable to the specific Service component purchased or activated by the User.
3.12. Lack of participation, failure to attend a live session, dissatisfaction with the format or content, or failure to achieve expected personal, business, or financial outcomes shall not by itself entitle the User to extension, replacement, suspension, or restoration of access, except as expressly provided by the Company or required by applicable mandatory law.

4. PAYMENT TERMS & BILLING
4.1. Certain components of the Service are offered on a paid basis. Access to any paid component of the Service is granted only after the applicable payment has been successfully processed and confirmed by the Company or its authorized payment service providers.
4.2. The price of each paid component of the Service is indicated on the relevant purchase page or checkout page at the time of purchase. Prices may vary depending on the specific product, program stage, offer, promotion, or upsell made available by the Company.
4.3. The Company may offer different paid components within the Service, including but not limited to access to a core digital program, additional program extensions, workshops, or mentorship-related components. Each such component may have its own pricing, scope, and access conditions as described on the relevant purchase page.
4.4. Payments are processed through authorized third-party payment service providers. The Company does not collect or store full payment instrument details and shall not be responsible for payment failures, processing delays, currency conversions, network fees, blockchain fees, bank commissions, or other charges imposed by third-party financial institutions or payment processors.
4.5. Unless explicitly stated otherwise on the relevant purchase page, prices are displayed in United States Dollars (USD). The User is solely responsible for any currency conversion costs, international transfer charges, payment processing fees, or other transaction-related costs that may be imposed by banks, payment processors, or blockchain networks.
4.6. By completing a payment, the User confirms that they have reviewed and accepted this Agreement and understand that the payment is made solely for access to digital informational content and program materials provided through the Service.
4.7. The Company may update or modify prices for future purchases at its discretion. Any updated price shall apply only to purchases made after the updated price has been published on the relevant purchase page.
4.8. Unless expressly stated otherwise on the relevant purchase page, purchases of paid Service components are processed as one-time payments and do not constitute recurring subscriptions or automatic renewals.
5. REFUND, WITHDRAWAL & CANCELLATION POLICY
5.1. The Service consists of digital content and online program materials delivered electronically through the Platform.
5.2. The Company may allow refund requests submitted within seven (7) calendar days from the date of purchase. Such requests are reviewed by the Company on a case-by-case basis and do not constitute a general money-back guarantee or unconditional refund policy.
5.3. Where the User qualifies as a consumer under applicable consumer protection laws of the European Union, including laws implementing the Consumer Rights Directive (Directive 2011/83/EU), the User may have a statutory right to withdraw from the purchase within fourteen (14) days from the date of purchase without providing any reason.
5.4. However, where the Service consists of digital content delivered electronically, the User expressly agrees that the Service may begin immediately after payment confirmation and acknowledges that the statutory right of withdrawal may be lost once the User has accessed the digital content, to the extent permitted by applicable law.
5.5. By completing the purchase and activating access to the Service, the User expressly:
a) requests immediate access to the digital content;
b) acknowledges that the delivery of the digital content begins immediately; and
c) understands that the statutory withdrawal right may no longer apply once access to the Service or any part of the Materials has been activated.
5.6. Refund or withdrawal requests must be submitted through the official support channel or the contact email specified by the Company. Requests submitted through social media, community chats, or unofficial communication channels may not be considered valid.
5.7. After the expiration of the applicable refund or withdrawal period, or once the digital content has been accessed, payments are generally non-refundable unless otherwise required by applicable mandatory law.
5.8. Initiating a chargeback or payment dispute without first contacting the Company through the official support channel may constitute a breach of this Agreement. The Company reserves the right to provide payment processors with transaction records, platform usage logs, and delivery confirmation data in response to such disputes.

6. USER ACCOUNT, REGISTRATION AND USER RESPONSIBILITIES
6.1. In order to access certain components of the Service, the User may be required to complete a registration process and create a User Account on the Platform.
6.2. During registration, the User agrees to provide accurate, complete, and up-to-date information and to maintain the accuracy of such information throughout the use of the Service.
6.3. The User is solely responsible for maintaining the confidentiality of their login credentials, including any username, password, or authentication method used to access the Platform.
6.4. The User agrees not to share, transfer, sell, sublicense, or otherwise make their User Account or login credentials available to any third party.
6.5. The User is responsible for all activities performed under their User Account. Any action carried out through the User Account shall be deemed to have been performed by the User.
6.6. If the User becomes aware of any unauthorized access to their User Account, the User must immediately notify the Company through the official support channel.
6.7. The User agrees to use the Service only for lawful purposes and in accordance with this Agreement. The User must not use the Service in any way that may damage, disable, overburden, interfere with, or disrupt the Platform or the Service.
6.8. The User must not attempt to gain unauthorized access to the Platform, the Service infrastructure, other user accounts, or any systems or networks connected to the Service.
6.9. The Company reserves the right to suspend, restrict, or terminate a User Account if the Company reasonably believes that the User has violated this Agreement, misused the Service, or engaged in conduct that may harm the Company, the Platform, or other Users.
6.10. The Company may also remove or restrict access to community spaces, communication channels, or interactive components of the Service where necessary to maintain a safe and functional environment for Users.

7. INTELLECTUAL PROPERTY
7.1. All content, materials, resources, software tools, templates, recordings, visual elements, text, graphics, and other components made available through the Service (collectively, the “Materials”) are the intellectual property of the Company or its licensors and are protected by applicable copyright, trademark, and other intellectual property laws.
7.2. The User is granted a limited, non-exclusive, non-transferable, and revocable right to access and use the Materials solely for personal informational use within the scope of the Service.
7.3. The User shall not copy, reproduce, distribute, publish, transmit, display, sell, license, modify, create derivative works from, or otherwise exploit any part of the Materials without the prior written consent of the Company.
7.4. The User shall not record, download, capture screenshots of, duplicate, or otherwise reproduce video sessions, workshops, digital resources, or other Materials made available through the Service, except where such functionality is expressly provided within the Platform.
7.5. The User shall not use the Materials or any part of the Service to create competing products, training programs, informational services, or other commercial offerings.
7.6. Any unauthorized use, reproduction, distribution, or commercial exploitation of the Materials may result in immediate termination of access to the Service and may give rise to legal liability.
7.7. Nothing in this Agreement transfers ownership of any intellectual property rights to the User. All rights not expressly granted remain reserved by the Company.

8. AFFILIATE AND REFERRAL PROGRAM
8.1. The Company may offer an affiliate or referral program that allows certain users, including students of the Service and external partners, to promote the Service and receive commission-based compensation for eligible referrals.
8.2. Participation in the affiliate or referral program is subject to the Affiliate and Referral Program Policy, which forms an integral part of this Agreement and is available on the Company’s website.
8.3. The Affiliate and Referral Program Policy sets out the detailed terms of participation in the program, including eligibility requirements, commission structure, referral tracking mechanisms, payout conditions, marketing rules, and other applicable requirements.
8.4. Users who participate in the referral program as students of the Service may be provided with referral links or other referral tools that allow them to recommend the Service to third parties.
8.5. All affiliate and referral activities must comply with the Affiliate and Referral Program Policy and with applicable laws and advertising standards.
8.6. The Company reserves the right to suspend, limit, or terminate participation in the affiliate or referral program in cases of violation of the Affiliate and Referral Program Policy, misuse of referral mechanisms, misleading advertising, fraudulent traffic generation, or other abusive practices.

9. DISCLAIMERS AND NO GUARANTEE OF RESULTS
9.1. The Service and all Materials are provided solely as informational digital content. The Company does not guarantee any specific results, outcomes, or performance from the use of the Service.
9.2. Any examples, case studies, demonstrations, or references to potential income, business opportunities, monetization strategies, or audience growth presented within the Service, Materials, marketing content, or community discussions are provided for illustrative purposes only.
9.3. Such examples do not represent typical results and shall not be interpreted as guarantees, promises, or assurances of financial gain, business success, revenue generation, or any other specific outcome.
9.4. Individual results may vary significantly depending on numerous factors, including but not limited to the User’s skills, experience, effort, business decisions, audience development, market conditions, and other external factors beyond the Company’s control.
9.5. The Company makes no representation or warranty that the use of the Service will result in income generation, audience growth, commercial success, or any measurable performance outcome.
9.6. The User acknowledges that participation in the Service involves independent decision-making and accepts full responsibility for any actions taken based on the information provided through the Service.
9.7. Nothing within the Service, Materials, or communications provided by the Company shall be interpreted as financial advice, investment advice, legal advice, tax advice, or any other regulated professional service.

10. LIMITATION OF LIABILITY
10.1. To the maximum extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to the use of the Service.
10.2. The Company shall not be responsible for any loss of profits, loss of revenue, loss of business opportunities, loss of audience, loss of data, or other commercial losses that may result from the use of the Service or reliance on any Materials provided through the Service.
10.3. The User acknowledges that the Service provides informational digital content and that any decisions made by the User based on such information are made independently and at the User’s own risk.
10.4. The Company shall not be liable for any interruptions, delays, or temporary unavailability of the Service caused by technical maintenance, platform outages, third-party service providers, internet disruptions, cybersecurity incidents, or other events beyond the Company’s reasonable control.
10.5. The Company shall not be responsible for any actions, statements, or conduct of other Users, affiliates, community members, or third parties participating in or interacting through the Service.
10.6. To the extent permitted by applicable law, the Company’s total liability arising out of or relating to this Agreement or the use of the Service shall not exceed the total amount actually paid by the User to the Company for the relevant Service.
10.7. Nothing in this Agreement shall exclude or limit liability where such exclusion or limitation is not permitted under applicable law.

11. INDEMNIFICATION
11.1. The User agrees to indemnify, defend, and hold harmless the Company, its directors, officers, employees, contractors, affiliates, and service providers from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to:
(a) the User’s use of the Service;
(b) any violation of this Agreement by the User;
(c) the User’s violation of applicable laws or regulations;
(d) any content, materials, or information submitted, posted, or shared by the User through the Platform or community spaces.
11.2. Affiliates or participants in the referral program shall be solely responsible for their promotional activities and for ensuring that any marketing communications comply with applicable advertising laws and the Affiliate and Referral Program Policy.
11.3. The Company reserves the right to assume exclusive defense and control of any matter subject to indemnification by the User, and the User agrees to cooperate with the Company in the defense of such claims.

12. TERMINATION AND SUSPENSION
12.1. The Company reserves the right to suspend, restrict, or terminate a User’s access to the Service at any time if the Company reasonably believes that the User has violated this Agreement, applicable laws, or the rules governing the use of the Platform.
12.2. The Company may also suspend or terminate access in cases of suspected fraud, misuse of the Service, unauthorized distribution of Materials, abuse of community spaces, or violation of the Affiliate and Referral Program Policy.
12.3. Where reasonably possible, the Company may provide notice of such suspension or termination; however, the Company reserves the right to take immediate action where necessary to protect the integrity of the Service, the Platform, or other Users.
12.4. Upon termination of access, the User’s right to access the Service, Materials, and any associated community spaces shall immediately cease.
12.5. Termination of access due to a violation of this Agreement shall not entitle the User to any refund, compensation, or extension of the Access Term.
12.6. The Company may also discontinue the Service or any part of the Service for operational, legal, or commercial reasons. In such cases, the Company may determine, at its discretion, whether to provide alternative access, partial continuation of the Service, or other reasonable measures.
12.7. Any provisions of this Agreement that by their nature should survive termination, including but not limited to intellectual property, limitation of liability, indemnification, and dispute resolution provisions, shall remain in effect after termination.

13. FORCE MAJEURE
13.1. The Company shall not be liable for any delay, interruption, or failure to perform its obligations under this Agreement where such delay or failure results from events beyond the Company’s reasonable control.
13.2. Such events may include, without limitation, acts of God, natural disasters, war, armed conflict, civil unrest, government actions, regulatory restrictions, internet or telecommunications outages, cyber incidents, platform failures, power interruptions, or failures of third-party service providers.
13.3. In the event of a Force Majeure circumstance, the Company shall use commercially reasonable efforts to restore the availability of the Service as soon as reasonably practicable.
13.4. Where a Force Majeure event materially affects the delivery of the Service for a prolonged period, the Company may, at its discretion, modify the format of the Service, extend access to certain Materials, reschedule activities, or implement other reasonable operational adjustments.
13.5. Nothing in this section shall require the Company to provide compensation or refunds where the interruption of the Service is caused by a Force Majeure event, except where otherwise required by applicable law.

14. GOVERNING LAW AND DISPUTE RESOLUTION
14.1. This Agreement and any dispute arising out of or relating to the Service or this Agreement shall be governed by and construed in accordance with the laws of the Cayman Islands, without regard to conflict of laws principles.
14.2. The Parties shall first attempt to resolve any dispute, claim, or controversy arising out of or relating to this Agreement through good faith negotiations.
14.3. If the Parties are unable to resolve the dispute amicably within a reasonable period of time, any dispute arising out of or relating to this Agreement shall be subject to the exclusive jurisdiction of the competent courts of the Cayman Islands.
14.4. Nothing in this section shall prevent the Company from seeking injunctive or equitable relief in any competent jurisdiction where such relief is necessary to protect its intellectual property rights, confidential information, or the integrity of the Service.

15. CHANGES TO THE AGREEMENT
15.1. The Company reserves the right to amend, update, or modify this Agreement at any time in order to reflect changes in the Service, operational practices, legal requirements, or other business considerations.
15.2. Any updated version of this Agreement shall become effective upon publication on the Company’s website or Platform, unless otherwise indicated.
15.3. The “Last Updated” date displayed at the beginning of the Agreement shall indicate the date on which the latest revision was made.
15.4. Continued access to or use of the Service after the publication of an updated version of this Agreement constitutes acceptance of the revised terms.
15.5. If the User does not agree with the updated terms, the User must discontinue the use of the Service.

16. DATA PRIVACY
16.1. The Company processes personal data in accordance with applicable data protection laws, including Regulation (EU) 2016/679 (GDPR), and the Company’s Privacy Policy, which forms an integral part of this Agreement.
16.2. By accessing or using the Service, the User acknowledges and agrees that the Company may collect and process certain categories of personal data necessary for the operation of the Service. Such data may include identification information, contact details, account information, technical data, usage data, transactional data, and other information generated through the User’s interaction with the Platform.
16.3. Personal data may be processed for purposes including, but not limited to: providing and maintaining access to the Service; account creation and administration; processing payments and financial transactions; communication with Users regarding the Service; platform functionality, analytics, and system improvement; prevention of fraud, abuse, or security threats; compliance with legal and regulatory obligations.
16.4. The Company may engage third-party service providers to support the operation of the Service, including payment processors, hosting providers, communication platforms, analytics tools, or customer relationship management systems. Such providers may process personal data solely for the purposes of providing services to the Company and under appropriate contractual safeguards.
16.5. Personal data may be stored or processed in jurisdictions outside the User’s country of residence. Where required by applicable law, the Company implements reasonable safeguards designed to ensure an appropriate level of protection for such data transfers.
16.6. The Company applies reasonable technical and organizational security measures designed to protect personal data against unauthorized access, alteration, disclosure, or destruction. However, no digital system can guarantee absolute security.
16.7. Users may have certain rights regarding their personal data under applicable data protection laws, including the right to request access, rectification, deletion, restriction of processing, or data portability, to the extent permitted by law.
16.8. Detailed information regarding the collection, processing, storage, and protection of personal data is provided in the Company’s Privacy Policy, which is available on the Company’s website.

17. MISCELLANEOUS AND FINAL PROVISIONS
17.1. Entire Agreement. This Agreement, together with any documents expressly incorporated by reference, including the Privacy Policy and the Affiliate and Referral Program Policy, constitutes the entire agreement between the User and the Company regarding the Service and supersedes all prior agreements, communications, or understandings relating to the subject matter herein.
17.2. Severability. If any provision of this Agreement is held to be invalid, illegal, or unenforceable by a competent court or authority, the remaining provisions shall remain valid and enforceable to the fullest extent permitted by law.
17.3. No Waiver. Failure or delay by the Company to exercise any right or remedy under this Agreement shall not constitute a waiver of such right or remedy.
17.4. Assignment. The Company may assign, transfer, or delegate its rights and obligations under this Agreement to any affiliated entity, successor, or third party as part of a corporate restructuring, merger, acquisition, business transfer, or sale of assets.
17.5. The User may not assign or transfer their rights or obligations under this Agreement without the prior written consent of the Company.
17.6. Electronic Agreement. This Agreement is concluded in electronic form. By registering for the Service, making a payment, or otherwise accessing the Service, the User confirms acceptance of this Agreement and acknowledges that such acceptance constitutes a legally binding electronic contract.
17.7. Independent Relationship. Nothing in this Agreement shall be construed as creating any partnership, joint venture, employment, or agency relationship between the User and the Company.
17.8. Headings. Section headings are included for convenience only and shall not affect the interpretation of this Agreement.
Contact Details
Financial Education Limited
P.O. Box 31119, Grand Pavilion, Hibiscus Way,
802 West Bay Road, Grand Cayman, KY1-1205, Cayman Islands
Email: _______________________