Terms of Use
Effective Date: November 7, 2025
Last Updated: November 7, 2025
1. Acceptance of Terms
By accessing or using the Financial Literacy Institute LLC website, online courses, or services
(“Services”), you agree to be bound by these Terms of Use (“Terms”) and our Privacy Policy. If you do
not agree, discontinue use. Updates will be posted with a new effective date.
2. Eligibility
Our Services are intended for individuals 13 years or older. If under 18, parental or guardian consent is
required.
3. Account Registration and Security
You agree to provide accurate information, maintain account security, and notify us of any unauthorized
use. You are responsible for all activity under your account.
4. Payments and Billing
Course fees are due upon purchase and processed securely through third-party providers. We do not
store complete payment information. Refunds follow our published refund policy.
5. Intellectual Property Rights
All course content and materials are the property of Financial Literacy Institute LLC or its licensors,
protected under U.S. copyright and trademark law. Use is limited to personal, non-commercial
education.
6. License and Access
We grant a limited, non-exclusive, non-transferable license to access our Services for educational use
only. You may not reproduce, resell, or distribute materials.
7. User Conduct
You agree not to post unlawful, offensive, or harmful content; interfere with the site; or engage in
unauthorized access or fraud.
8. Educational Content and Disclaimers
Courses are for educational purposes only and do not constitute financial, legal, or investment advice.
We make no guarantees of results.
9. Termination of Access
We may suspend or terminate access for violations of these Terms, fraudulent activity, or misuse of
intellectual property.
10. Third-Party Services
We are not responsible for third-party links, services, or tools. Use of third-party content is at your own
risk.
11. Disclaimers and Limitation of Liability
Services are provided 'as is' without warranties. We are not liable for indirect or consequential
damages. Liability is limited to the amount paid for the applicable service.
12. Indemnification
You agree to indemnify Financial Literacy Institute LLC, its affiliates, and staff against claims arising
from your use of Services or violation of these Terms.
13. Governing Law and Jurisdiction
These Terms are governed by Texas law. Disputes will be resolved in the state or federal courts of
Travis County, Texas.
14. Dispute Resolution
Before filing a lawsuit, parties agree to attempt good-faith resolution. If unresolved, disputes will be
settled by binding arbitration under the American Arbitration Association in Texas.
15. Changes to Terms
We may modify these Terms periodically. Continued use after updates signifies acceptance of the
revised Terms.
16. Contact Us
Financial Literacy Institute LLC
Website: [Insert Website URL]