Terms of Use

These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you") and FinancialFocus ("we," "us" or "our"), concerning your access to and use of the usacoursesides.com website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the "Site") and the services offered through the Site.

By using the Site or our services, you agree to comply with and be bound by these Terms of Use. If you do not agree to these Terms of Use, you must not access or use the Site or our services.

Unless otherwise indicated, the Site and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights.

The Content and the Marks are provided on the Site "AS IS" for your information and personal use only. Except as expressly provided in these Terms of Use, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content and the Marks.

By using the Site, you represent and warrant that:

• You have the legal capacity and you agree to comply with these Terms of Use;
• You are not a minor in the jurisdiction in which you reside;
• You will not access the Site through automated or non-human means;
• You will not use the Site for any illegal or unauthorized purpose;
• Your use of the Site will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).

You may be required to register with the Site to access certain features or services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

You are responsible for maintaining the confidentiality of your account information and for restricting access to your computer or device. You agree to accept responsibility for all activities that occur under your account.

Upon registration and payment for our financial education courses, you will be granted access to course materials for the specified period mentioned in the course description. Access to course materials is for personal use only and subject to these Terms of Use.

We reserve the right to modify, suspend, or discontinue any aspect of our courses at any time, including the availability of any course feature, database, or content. We may also impose limits on certain features and services or restrict your access to parts or all of the course materials without notice or liability.

Access to course materials is strictly for the registered individual. Sharing your access credentials or course materials with others is prohibited and may result in termination of your access without refund.

By purchasing our courses, you agree to pay all fees associated with the courses you select. All fees are in US dollars and are due at the time of registration unless otherwise specified.

We offer a 14-day satisfaction guarantee for our courses. If you are not satisfied with your purchase, you may request a full refund within 14 days of your enrollment date, provided you have not completed more than 25% of the course content. To request a refund, please contact us at the information provided below.

After the 14-day period, or if you have completed more than 25% of the course content, no refunds will be issued. Special circumstances may be considered at our discretion.

You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Site, you agree not to:

• Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory;
• Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information;
• Circumvent, disable, or otherwise interfere with security-related features of the Site;
• Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site;
• Use any information obtained from the Site in order to harass, abuse, or harm another person;
• Make improper use of our support services or submit false reports of abuse or misconduct;
• Use the Site in a manner inconsistent with any applicable laws or regulations;
• Engage in unauthorized framing of or linking to the Site;
• Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material that interferes with any party's uninterrupted use and enjoyment of the Site;
• Attempt to impersonate another user or person or use the username of another user;
• Sell or otherwise transfer your profile or account.

The Site may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Site, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions").

Any Contribution you post to the Site will be considered non-confidential and non-proprietary. By providing any Contribution on the Site, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material.

You represent and warrant that:

• You own or control all rights in and to the Contributions and have the right to grant the license granted above to us;
• All of your Contributions do and will comply with these Terms of Use;
• Your Contributions are not false, inaccurate, or misleading;
• Your Contributions do not violate any applicable law, regulation, or rule;
• Your Contributions do not violate the privacy or publicity rights of any third party.

THE SITE AND SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SITE OR CONTENT WILL BE ERROR-FREE OR UNINTERRUPTED; THAT DEFECTS WILL BE CORRECTED; OR THAT THE SITE OR ITS SERVER ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

THE EDUCATIONAL CONTENT PROVIDED IN OUR COURSES IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS PROFESSIONAL FINANCIAL ADVICE. WE MAKE NO GUARANTEES ABOUT THE RESULTS YOU MAY EXPERIENCE FROM FOLLOWING OUR EDUCATIONAL MATERIALS, AND INDIVIDUAL RESULTS MAY VARY BASED ON FACTORS OUTSIDE OF OUR CONTROL.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE OR OUR DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS, OR CONTENT PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SITE;
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SITE;
• ANY CONTENT OBTAINED FROM THE SITE; AND
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT.

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of:

• Your Contributions;
• Use of the Site;
• Breach of these Terms of Use;
• Any breach of your representations and warranties set forth in these Terms of Use;
• Your violation of the rights of a third party, including but not limited to intellectual property rights; or
• Any overt harmful act toward any other user of the Site with whom you connected via the Site.

These Terms of Use and your use of the Site are governed by and construed in accordance with the laws of the State of New York applicable to agreements made and to be entirely performed within the State of New York, without regard to its conflict of law principles.

We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Use at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Terms of Use, and you waive any right to receive specific notice of each such change.

It is your responsibility to periodically review these Terms of Use to stay informed of updates. Your continued use of the Site after the date that such changes become effective constitutes your acceptance of the new Terms of Use.

If you have any questions or concerns about these Terms of Use, please contact us at:

FinancialFocus
123 Financial Ave, Suite 100
New York, NY 10001

Phone: (555) 123-4567
Email: [email protected]