Terms & Conditions

1 Acceptance of Terms

By accessing or using the Geralfin Academy website, mobile experience, courses, calculators, or any related service (collectively, the "Platform"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, please do not use the Platform.

These Terms apply to all visitors, registered students, instructors, and administrators who access or use the Platform.

2 Eligibility

You must be at least 18 years old, or the age of legal majority in your jurisdiction, to register for an account or enroll in a course. By creating an account, you confirm that the information you provide is accurate and that you meet this eligibility requirement.

3 Accounts & Registration

When you register on the Platform, you agree to:

• Provide accurate, current, and complete information during registration.
• Keep your login credentials confidential and secure.
• Notify us immediately of any unauthorized use of your account.
• Accept responsibility for all activity that occurs under your account.

We reserve the right to suspend or terminate accounts that provide false information or violate these Terms.

4 Courses, Enrollment & Payments

Course fees, where applicable, are displayed at the time of enrollment. Payments made through the Platform are processed securely; Geralfin Academy does not store your full payment card details.

• Access to paid courses is granted upon successful payment confirmation.
• Certificates of completion are issued only once all required course criteria are met.
• Refund eligibility, where offered, will be stated on the relevant course or checkout page.
• We may update, retire, or modify course content from time to time to keep it current.

5 Acceptable Use

You agree not to:

• Use the Platform for any unlawful purpose or in violation of any applicable regulation.
• Share your account, course materials, or certificates with unauthorized third parties.
• Attempt to gain unauthorized access to other accounts, systems, or networks connected to the Platform.
• Upload or transmit viruses, malicious code, or content that infringes on others' rights.
• Scrape, copy, or redistribute course content without written permission.

6 Intellectual Property

All course materials, videos, text, graphics, logos, and tools on the Platform are the property of Geralfin Academy or its licensors and are protected by applicable intellectual property laws. You are granted a limited, non-transferable license to access this content for personal, non-commercial learning purposes only.

7 Investment & Financial Disclaimer

Geralfin Academy provides financial education content, including market commentary, calculators, and investment guides, for informational and educational purposes only. Nothing on the Platform constitutes personalized financial, investment, tax, or legal advice.

Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. You should consult a licensed financial advisor before making investment decisions.

8 Limitation of Liability

To the fullest extent permitted by law, Geralfin Academy and its instructors, employees, and partners shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the Platform, including any financial losses resulting from decisions made based on course content.

9 Termination

We may suspend or terminate your access to the Platform at our discretion, with or without notice, if we believe you have violated these Terms or engaged in conduct harmful to other users or the Platform itself.

10 Changes to These Terms

We may revise these Terms from time to time. Material changes will be reflected by an updated "Last updated" date at the top of this page. Continued use of the Platform after changes take effect constitutes acceptance of the revised Terms.

11 Governing Law

These Terms are governed by and construed in accordance with the laws of your operating jurisdiction, without regard to conflict-of-law principles. (Update this section with your specific country/state of registration.)

12 Contact Us

If you have questions about these Terms, please reach out to us: