fintekin's Terms of Use
Last Updated: October 28, 2025
Thank you for choosing fintekin.
These Terms of Use (these “Terms”) govern your access to and use of fintekin LLC’s e-learning platform, website (www.fintekin.com), mobile applications, and related services (collectively, the “Services”). By using the Services (or by clicking “I accept” when prompted), you agree to be bound by these Terms, as well as any policies and guidelines referenced herein. If you do not agree to these Terms, you must not use the Services. These Terms apply globally to all users of fintekin, though certain provisions are crafted under a U.S. legal framework. Additional or separate agreements may apply if you are using fintekin on behalf of an organization (see Commercial/Enterprise Use below). |
Table of Contents
1. Account and Eligibility
a. Account Creation: You need to create a user account to access most fintekin Services, including enrolling in courses or posting content. You agree to provide accurate, complete information (including a valid email address) when creating your account and to keep it updated. You must choose a strong password and keep your credentials confidential. You are responsible for all activity on your account, whether or not authorized by you. If you suspect any unauthorized use of your account, please notify us immediately. fintekin is not liable for any loss or damage resulting from your failure to protect your account credentials.
b. Eligibility Requirements: You must be at least 18 years old to create a fintekin account and use the Services. If you are under 18 but above the age of consent for online services in your country (e.g., 13 in the U.S.), you may only use fintekin under the supervision of a parent or legal guardian who agrees to these Terms. If you are 13–17, you (and your parent/guardian) represent and warrant that your parent/guardian has reviewed and consented to your use of the Services. Users under the local age of digital consent may not use fintekin. We reserve the right to terminate any account that violates these age requirements.
c. Account Use and Responsibilities: You agree to use your account only for yourself and not share your login credentials with anyone else. You may not transfer your account to another person, nor use anyone else’s account. If you contact us to gain access to an account not yours, we will require proof of ownership. In the event of a user’s death, the account will be closed.
fintekin will not intervene in disputes between individuals who have shared account access in violation of this policy.
d. One person = one account: We may use technical measures to detect and prevent credential sharing or concurrent use from multiple households and may suspend accounts for suspected sharing.
e. Account Security: You must notify us immediately if you learn of any unauthorized use of your account or any other security breach. We may ask for information to confirm you are the owner of the account. fintekin cares about account security but cannot guarantee that unauthorized third parties will never defeat our security measures. Please use caution and common sense in protecting your personal information.
f. Commercial/Enterprise Use: fintekin’s Services are intended for personal and educational use by individual learners. Any use of our Services for commercial purposes (for example, as part of a corporate training program or on behalf of an institution) must be pursuant to a separate written agreement with fintekin. If you are an organization or enterprise customer, or an instructor providing content on fintekin, additional terms will apply, and these standard Terms may not govern the relationship between you and fintekin for that use.
fintekin may require instructors or content partners to verify their identity and credentials before publishing courses.
You may terminate your fintekin account at any time by following the account deletion process (available in your account settings or by contacting our Support Team.
Please consult our Privacy Policy to understand what happens to your data when your account is terminated. Upon termination, you remain responsible for any obligations incurred before the termination.
2. Course Enrollment and Content License
a. Enrollment and License: When you enroll in a fintekin course or other content (whether paid or free), you are granted a limited, personal, non-exclusive, non-transferable license to access and view that content through the Services for your own personal, non-commercial, educational use. This means the content is licensed, not sold, to you. Except for this license, no intellectual property rights in the content are transferred to you. All other uses are expressly prohibited.
You may not copy, reproduce, distribute, transmit, broadcast, sell, resell, share, lend, modify, edit, or create derivative works of any course content or Services, unless you obtain fintekin’s prior written consent or are permitted by a separate open-license of the content. Attempting to share your account access to allow others to view courses, or downloading and redistributing content outside the platform, is a violation of these Terms and may constitute copyright infringement.
If you would like to use course content beyond the permitted license (for example, for commercial or public use), you must obtain explicit written permission from fintekin.
b. Long-term Access/Course Availability: Upon valid enrollment in a course, fintekin grants you continuing access to enrolled courses for as long as fintekin makes the course available on its platform. This does not guarantee permanent or perpetual availability.
fintekin may revoke, limit, or modify your access to any content under certain circumstances. For example, we may disable or remove a course for legal or policy reasons (such as if we receive a copyright infringement notice or determine the content violates our guidelines or the law). In such cases, if you lose access to content you have paid for, we will offer an in-platform credit or refund, regardless of purchase date, if removal is due to legal/policy reasons outside your control.
Also note that long-term access does not apply to content accessed via subscription plans (see Subscriptions below) or to additional features that an instructor may offer (e.g., Q&A support), which an instructor can discontinue at any time.
fintekin makes no guarantee that any specific course or piece of content will always be available on the platform.
c. Content Usage Restrictions: You agree not to transfer or resell courses or your license to any course. For example, you cannot give access to your course to anyone else or resell it, and you cannot upload course files to torrent or other sites. You also may not translate, dub, or otherwise exploit course content unless expressly authorized. Any attempt to circumvent the platform’s technological measures (such as DRM or streaming controls) or to use content in an unauthorized manner is prohibited.
d. Instructor Content: Courses on fintekin may be created either by fintekin or by independent instructors.
All instructors are required to accept and comply with fintekin’s separate Instructor Terms, which govern their use of the Platform. Students understand that instructors are independent providers and not employees or agents of fintekin.
When you enroll in a course, you are granted a limited, personal, non-transferable, non-exclusive license to access the content through fintekin’s platform for your personal educational use only.
All payments and enrollments must be made through the fintekin platform. Instructors are not permitted to license or sell their course content directly to students outside fintekin, and fintekin remains the authorized licensor of record for all courses offered on the Platform.
3. Payments, Pricing, and Refunds
a. Pricing and Taxes: The price for any paid content (courses, programs, or subscriptions) will be as stated at the time you place your order. Prices are generally listed in your local currency, based on the country you indicated or where you are located when creating your account, and may vary by region or platform. In some cases, the price on our mobile app or other platforms might differ from the website price due to platform policies. Applicable taxes (such as sales, use, VAT, or GST) may be included in the displayed price or added at checkout, depending on your location and local laws.
fintekin is responsible for collecting and remitting required taxes where applicable. We do not guarantee that you will be able to see prices in a currency other than your own. We reserve the right to change pricing for any content or subscription (but any changes will not affect purchases you have already completed, except for auto-renewing subscriptions as described below).
b. Payments: By enrolling in a paid course or subscribing to a paid service, you agree to pay the specified fees and authorize fintekin (or our payment processors) to charge your selected payment method. All payments must be made using a valid payment method. You agree not to use an invalid or unauthorized payment method. If your payment method fails but you still gain access to a course, you agree to pay the owed fees within 30 days of notification from us.
fintekin reserves the right to disable or revoke access to any content for which payment has not been received in full. We work with third-party payment service providers to ensure secure processing of your payment information. You acknowledge that the payment provider (e.g., credit card network, bank, mobile platform) may impose additional terms and fees on your transaction (such as foreign transaction fees for international purchases).
c. Subscriptions: fintekin may offer subscription plans that grant access to a bundle or library of content (“Subscription Plans”). If you purchase a subscription, it will automatically renew at the end of each billing period (e.g., monthly or annually) unless you cancel prior to the next renewal date.
By subscribing, you authorize us to charge your payment method automatically at the recurring intervals for the subscription fee then in effect. We will disclose the billing period and price at sign-up.
You can cancel a subscription at any time via your profile settings or by contacting Support Team.
Cancellations take effect at the end of the current billing cycle, and you will continue to have access to the subscription content until that period ends. No pro-rated refunds or credits are provided for partial subscription periods, unless required by law or explicitly stated by us.
If a free trial is offered, you will not be charged until the trial period ends. If you do not wish to be charged, you must cancel before the trial ends. If you complete a course during a free trial and do not cancel, you acknowledge we may withhold issuance of any related certificate until at least one paid billing period has been charged. We may change the subscription offerings or fees in the future and will notify you of any significant changes; any price changes will apply to the next renewal after notice, giving you the chance to cancel if you do not agree.
d. Refunds for Course Purchases: We want you to be satisfied with your learning experience. If a course you purchased is not what you expected, you may request a refund within 14 days of purchase, provided you have not completed a substantial portion (defined as more than 25%) of the course or received a certificate. EU/UK consumers: see “Right of Withdrawal” below.
Refunds will not be granted if:
You have completed more than 25% of the course content (measured by modules, lessons, or assessments completed);
You have already received a certificate of completion for the course; or
We determine, in our sole discretion, that you are abusing the refund policy (for example, completing multiple courses and then repeatedly requesting refunds).
If fintekin must disable or remove content you purchased for legal or policy reasons, we will provide an in-platform credit or refund regardless of purchase date (pro-rated if you have completed a substantial portion).
Refunds may be issued in the form of in-platform credit at fintekin’s discretion, except where cash refunds are required by law. If you are eligible, refunds will be issued to your original payment method or, at our discretion, as in-platform credit. Refund processing times may vary by payment provider.
For subscription plans, cancellations take effect at the end of the current billing cycle and are not eligible for pro-rated refunds, unless required by law.
e. Refund Abuse: We offer refunds to give learners peace of mind, but abuse of the refund policy is prohibited. If we suspect that you are downloading or consuming significant portions of content before requesting refunds, or if you have a history of excessive refunds, or your request appears to be in bad faith, we reserve the right to deny your request.
In cases of abuse, we may also restrict or revoke your future refund privileges, ban your account, and/or limit your future use of the Services. For example, if you have already earned a certificate or completed a course, and then you request a refund, we may deny that request. If your account is suspended or terminated for violating these Terms or our policies, you will not be eligible for a refund.
f. Gift and Promotional Credits: fintekin or its partners may offer gift codes, promo codes, or credits for course content. These codes are subject to any additional terms provided with them, and they have no cash value (unless required by law). Codes may have expiration dates and other usage restrictions. We are not responsible if a promo code is lost, stolen, or expired.
g. Chargebacks: If you dispute a charge (chargeback) with your bank or credit card provider, and the chargeback is granted, fintekin may suspend or terminate your access to the content in question and/or your account. If a chargeback is initiated, we may suspend access pending review. We may also pursue collection efforts for any unpaid fees.
Contact our Support Team first to resolve any billing issues.
h. Enterprise Purchases: If you access fintekin content through an organization’s purchase or subscription (e.g., your employer or school paid for access), the refund policy may be governed by our agreement with that organization, and your organization is responsible for communicating any applicable refund provisions to you.
i. Right of Withdrawal (EU/EEA/UK consumers: If you are a consumer residing in the EU/EEA or UK, you have 14 days from purchase to withdraw from your course purchase without giving any reason. If you request immediate access and begin consuming the course before the 14-day period ends, you acknowledge that you may lose all or part of this right once the service is fully performed. Where permitted, we may deduct a pro-rata amount for the portion used.
4. User Conduct and Prohibited Activities
We expect all users to use fintekin in a lawful and respectful manner.
By using our Services, you agree that you will comply with all applicable local, state, national, and international laws and regulations. You are solely responsible for understanding and complying with the laws that apply to you in the jurisdiction from which you access fintekin.
To ensure a safe and productive learning environment, you agree that you will NOT engage in any of the following prohibited activities:
a. Unlawful or Harmful Conduct: Do not use the Services for any unlawful purpose or to promote illegal activities. You must not post or share any content that is illegal, fraudulent, defamatory, harassing, threatening, harmful, obscene, or otherwise objectionable or that violates any third party’s rights (including intellectual property, privacy, and publicity rights). This includes impersonating another person or misrepresenting your affiliation with any person or entity. You also agree not to facilitate or encourage any violations of these Terms or our policies by others.
b. Unauthorized Access and Security Violations: Do not access or attempt to access any portion of the platform that you are not authorized to access. This means you must not attempt to probe, scan, or test the vulnerability of any fintekin system or network, or circumvent any security or authentication measures. You may not access the Services by any means other than our publicly supported interfaces (for example, creating multiple accounts or using automated scripts to get around access controls is prohibited). If you accidentally discover a vulnerability, please report it to us responsibly instead of exploiting it.
c. Platform Integrity: Do not engage in any activity that interferes with or disrupts the proper functioning of the Services. You must not disable, overburden, or impair the Services or attempt to do so, for example by initiating a denial-of-service attack or introducing malware or any other harmful code. Additionally, you agree not to use the Services to transmit any viruses, worms, or malicious content. Any attempt to interfere with any user, host, or network, including by means of hacking, cracking, or spoofing, is strictly forbidden.
d. Automated Access and Data Scraping: You may not use any automated system such as robots, spiders, scrapers, or offline readers to access the Services, extract data, or content (except as permitted via public search engine protocols) without fintekin’s prior written permission. You agree not to scrape or otherwise systematically obtain data (including course content or user information) from fintekin, and not to compile a database or directory of courses or users from our site. You also agree not to send automated or unsolicited communications (spam) to or through fintekin.
e. Intellectual Property Misuse: You must not copy, reproduce, modify, translate, or create derivative works of the Services or any content on the platform (other than your own User Content) except as expressly allowed by these Terms or by the content owner. Reverse engineering, decompiling, or attempting to discover the source code of the platform or any technology on our site is prohibited, except to the extent that such activity is expressly permitted by applicable law notwithstanding this restriction. Likewise, you should not use fintekin to share content that you do not have the right to share (e.g., uploading pirated materials or someone else’s lectures without permission is forbidden).
For more information, see Copyright Policy.
f. Misuse of Communication Tools: If the Services include interactive features (such as discussion forums, chat, messaging, or Q&A with instructors), you agree to use these features in a professional and respectful manner. Do not post irrelevant or promotional content (no advertising, self-promotion, or solicitation unrelated to the learning context). Do not harass, abuse, or send excessive or unsolicited messages to other users or instructors.
g. fintekin’s community features are intended for collaboration and knowledge exchange; they must not be used to collect personal data from others for unauthorized purposes, or to stalk or harm others.
h. Cheating and Integrity: You agree to abide by any academic honesty policies or honor codes that apply to our courses. This means you will not cheat or engage in plagiarism in coursework, assessments, or certifications. You will not share solutions to assignments or exams except where allowed, nor submit work that is not your own. If you are taking a course in partnership with an institution, you will adhere to that institution’s code of conduct as well. We reserve the right to expel or penalize learners for violations of academic integrity.
i. No Commercial Use (without permission): You may not use the Services for any commercial purpose without fintekin’s prior written consent. This includes using the platform to advertise, promote, or sell non-fintekin products or services to other users, and using information from the Services to compete with fintekin.
j. Monitoring and Enforcement: fintekin has the right, but not the obligation, to monitor user activity and content on the platform. We may investigate any violation of these Terms or our policies and take any action we deem appropriate. Enforcement is at fintekin’s sole discretion. We may remove or edit any content that we believe violates these Terms or the law, and we may suspend or terminate access for users engaging in prohibited activities.
fintekin is not required to notify you before taking action to remove content or restrict access, though we may do so. We also reserve the right to report any illegal activities to law enforcement or regulators.
If you believe another user is violating these rules or misusing the platform, you can report it to Support Team.
We will review such reports and determine, in its discretion, what action to take. However, fintekin is not responsible to you for content posted by other users, and you understand that by using the Services, you may be exposed to content that you find offensive or inappropriate.
Please exercise good judgement and care when interacting in online communities and when sharing personal information.
5. User Content and Submissions
a. User Content Definition: fintekin may allow users to create, upload, post, send, or store content such as forum posts, comments, messages, project submissions, reviews, profile information, and other contributions (“User Content”). You retain all ownership rights in the User Content that you create and share on fintekin.
fintekin does not claim ownership of your User Content. However, in order for us to legally provide the Services and promote our platform, you must grant certain rights to fintekin and other users, as described below.
b. License Grant to fintekin: By submitting or posting User Content on or through fintekin, you give fintekin a worldwide, non-exclusive, royalty-free, revocable (where required by law), sublicensable, and transferable license to use, copy, reproduce, process, adapt, modify, publish, transmit, display, distribute [solely as necessary to operate, improve, and promote] the Services. This license allows fintekin, for example, to display your contributions to other learners, to reformat or edit your content for clarity or compatibility, and to promote or market the Services using content you have made public. Nothing in these Terms transfers ownership of your User Content to fintekin. You also agree to permit fintekin to identify you by name or username (and to use any photograph or avatar you have provided) in connection with your User Content, if we choose to do so, and you waive any rights of privacy or publicity to the extent permissible under applicable law. This license will terminate if you delete your content, except where retention is necessary for compliance with law, dispute resolution, or technical backup.
c. License Grant to Other Users: You also grant each other user of the Services a non-exclusive license to access and use your User Content through the platform as allowed by the functionality of the Services and these Terms. For example, if you post a question in a course forum, the other students are allowed to read it, possibly quote it when responding, or incorporate your idea into their learning. If you publish a helpful answer, others may learn from it. This does not give other users any rights to your content outside the fintekin platform.
d. User Content Representations: You are solely responsible for the User Content you post. You represent and warrant that you have all the necessary rights, licenses, consents, and authority to post your content and to grant the licenses above. Do not upload or post any content that you did not create or that you do not have permission to use. You agree that your User Content will not infringe or misappropriate the intellectual property or other rights of any third party. You also agree that there is no confidential or proprietary information of another in the content you post (because any content you post will be considered non-confidential and non-proprietary). To the extent permissible by law, you waive any moral rights (like rights of attribution or integrity) you may have in your User Content.
fintekin is not responsible for any actions you take with respect to your content.
e. Prohibited User Content: You must not post any User Content that violates the User Conduct rules in Section 4 above. This includes content that is illegal, offensive, hateful, pornographic, violates privacy or data protection rights, or is spam.
fintekin reserves the right to remove or alter any User Content that in our judgment violates these Terms or our other policies (such as our Acceptable Use Policy or community guidelines).
We may also remove User Content at the request of a third party who believes the content violates their rights (for example, under our Copyright Policy.)
f. fintekin’s Use of User Content: fintekin may use your User Content in a variety of ways as allowed by the license you have granted. For instance, we may display it on the site, re-post it in marketing materials or social media (with attribution to you by first name or username, if feasible), or use it in demonstrations of our services. We might also use your content to make enhancements to our platform (for example, using a suggestion you posted to improve a feature). Please note that you will not be entitled to any compensation from fintekin for any use of your User Content by us, our licensees, or other users as permitted herein.
g. Feedback: We welcome feedback from our users. If you choose to submit comments, ideas, or suggestions about how to improve fintekin or our Services (“Feedback”), you agree that fintekin is free to use and act on your Feedback without any restriction or compensation to you. This means we have the right to use your suggestions or ideas in any way we see fit (such as to develop new features or enhance existing ones), and we have no obligation to you as a result.
fintekin may already be considering or developing something similar to your Feedback, and by accepting your Feedback, fintekin does not waive any rights to use similar or related ideas previously known to us, developed by our employees, or obtained from other sources.
h. Removal of Content: If you delete User Content from the platform or if your account is terminated, we will cease public display of that content (unless it has been shared by others, in which case it may remain visible). However, you acknowledge that removed content may persist in backup copies for a reasonable period of time (though it will not be visible to others), and that fintekin may retain and use content as needed to comply with legal obligations or to resolve disputes. Also, content that you have posted publicly or shared with others may remain accessible to those others if it has been copied or stored independently.
fintekin is not responsible for content that was captured by other users before you removed it (for example, if another user quoted your forum post, that quote may remain). If you believe that a user’s content infringes your legal rights (for example, your copyright or trademark), please notify us in accordance with our Intellectual Property Policy. We will respond to such notices in accordance with applicable law (e.g., the DMCA for copyright claims).
6. fintekin’s Intellectual Property and Rights
a. Ownership of the Services: fintekin (and its licensors, where applicable) owns all rights, title, and interest in and to the Services, including the website, mobile apps, APIs, databases, software, code, algorithms, design, and the collective content provided through the platform (excluding the User Content provided by users and content provided by instructors). These are protected by intellectual property laws and other laws in the United States and internationally. Nothing in these Terms grants you any rights to use the fintekin name or any of fintekin’s trademarks, logos, domain names, or other brand features without our prior written consent. All trademarks and logos displayed on the Services are the property of their respective owners.
b. License to You – Our Content: Subject to your compliance with these Terms, fintekin grants you a limited, revocable license to access and use our Services and content solely for the purposes we intend (educational viewing, learning, etc.). This license is personal to you and does not permit you to redistribute or exploit any portion of the Services except as allowed herein. You do not have ownership of any content or software provided by fintekin, and fintekin and its licensors reserve all rights not expressly granted in these Terms.
c. Prohibited Use of fintekin IP: You agree not to use, display, or mention the name “fintekin” or any of fintekin’s trademarks in any manner (including in press releases or marketing) without our permission. You may not use fintekin’s logos or graphics as if they were your own or in a misleading way. If you want to refer to fintekin or use our brand assets, please contact us for guidelines or permission.
d. Third-Party Content: The Services may include content provided by fintekin’s partners or other third parties (such as external reference articles, links, or tools embedded in a course). Use of third-party content may be subject to additional terms from those third parties. Fintekin is not responsible for third-party content; that content is the property and responsibility of the party that provides it. For example, courses may contain slides or readings licensed from other entities – those are for your personal use only within the course.
e. Open Source and Other Licenses: Certain software components used in our Services may be offered under open source licenses. In such cases, those licenses might contain provisions that expressly override portions of these Terms, and the open source license terms will govern those components.
f. Feedback (Company Use): Please note that any feedback, comments, or suggestions you provide regarding fintekin or our Services is entirely voluntary, and we are free to use such feedback, comments, or suggestions without any obligation to you (this is restated here for emphasis).
g. Reservation of Rights: All rights not expressly granted to you in these Terms are reserved by fintekin. This means that fintekin retains ownership of and all rights in and to its Services, including all intellectual property rights, and only licenses to you the limited rights described in these Terms. You agree that you will not steal, copy, or otherwise misuse any part of our Services or content, and that if you do, we may pursue all legal remedies available (including terminating your account and taking legal action for infringement).
7. Indemnification
To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless fintekin, its parent company, affiliates, and their respective officers, directors, suppliers, partners, and agents (“fintekin Parties”) from and against any and all claims, demands, losses, damages, judgments, settlements, costs, and expenses (including reasonable attorneys’ fees) that arise out of or are related to any third-party claim resulting from:
Your use or misuse of the Services (including any content you access or any data you obtain from the platform);
Your violation of these Terms or any applicable law or regulation;
Your infringement or misappropriation of any intellectual property or other rights of any person or entity; or
Any content you post or submit (including claims that your User Content caused damage or loss to a third party).
This indemnification obligation means you will pay for any costs, liabilities, or losses incurred by the fintekin Parties as a result of such claims, including the costs of defense (e.g., attorneys’ fees).
fintekin reserves the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with fintekin’s defense of such claims. You agree not to settle any such matter without fintekin’s prior written consent. We will use reasonable efforts to notify you of any claim that is subject to this indemnification obligation as soon as we become aware of it.
This section survives the termination of your account or these Terms.
8. Disclaimer of Warranties
a. AS-IS Provision: fintekin’s Services, including all courses, content, and materials, are provided “AS IS” and “AS AVAILABLE”. You understand that your use of the Services is at your own risk. To the maximum extent permitted under applicable law, fintekin (and its affiliates, instructors, content providers, and partners) disclaims all warranties, express or implied, regarding the Services and any content obtained from or through the Services. This includes, but is not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising out of course of dealing or usage of trade. We make no guarantees that the Services will meet your requirements or expectations, or that it will achieve any particular results.
Nothing in these Terms excludes or limits any warranty, condition, or right that cannot be excluded under applicable law (e.g., statutory rights of consumers in the EU/UK/Canada). Because some jurisdictions do not allow the exclusion of certain warranties, some of the above disclaimers may not apply to you.
fintekin does not exclude liability for fraud, fraudulent misrepresentation, or willful misconduct.
b. No Guarantee of Content: fintekin does not warrant that the content (including course materials) is accurate, complete, reliable, current, or error-free. We do not guarantee any results from your use of the Services. For example, fintekin makes no promise that completing a course will guarantee you a job, promotion, certification, or specific skill proficiency. Any reliance you place on the content is strictly at your own risk. The courses are for educational purposes and do not constitute professional advice; if a course covers financial topics, it should not be taken as personalized investment advice, and if it is on legal topics, it should not be taken as formal legal counsel, etc. Always exercise independent judgment when applying what you have learned.
c. Service Availability and Security: We do not warrant that the Services will be uninterrupted, timely, secure, or free from errors, viruses, or other harmful components.
fintekin and its providers do not guarantee that any defects or errors will be corrected. While we strive to maintain a safe, secure, and functioning service, we cannot guarantee the absolute security of our Services or that the Services will function without disruptions, delays, or imperfections.
Any content downloaded or otherwise obtained through the use of the Services is done at your own discretion and risk, and you will be solely responsible for any damage to your device or loss of data that results from the download or use of any such material.
d. Third-Party Content and Links: Through the Services, you might access content provided by instructors, other users, or third parties, and links to third-party websites or resources.
fintekin does not endorse or assume any responsibility for any such third-party content or websites. If you access third-party links or content, you do so at your own risk, and you understand that these Terms and fintekin’s policies do not apply to any content or practices of those third-party sites.
fintekin disclaims any liability for any harm or losses that may result from your access or use of third-party content or sites.
e. No Warranty on Outcomes: You understand that fintekin is an education platform, and while we strive to provide high-quality content and a good learning experience, we make no representation that your use of the Services will actually improve your skills, grades, career prospects, or earnings. Any testimonials or examples given (if any) are not guarantees.
f. User Interactions: You may interact with instructors or other learners as part of using the Services (e.g., in discussion forums or messaging). We do not employ instructors or learners, and we are not responsible for any interactions between users. You should be cautious about sharing personal information with others.
fintekin is not liable for any disputes, claims, or damages that may arise out of interactions between users.
g. “Use at Your Own Risk”: You acknowledge that there are inherent risks in using an online platform that includes user-generated content and participation. You may encounter content that you find offensive or inappropriate or that is mislabeled or deceptive.
fintekin is not responsible for keeping such content from you, and you access the Services at your own risk. In particular, if courses involve activities or exercises (for example, a fintech sandbox simulation or any physical activity suggested in a course), you assume all risks associated with those activities.
Some jurisdictions do not allow the exclusion of certain warranties, so some of the above disclaimers may not apply to you. In such cases, fintekin’s warranties will be limited to the minimum extent permitted by applicable law. No advice or information (whether oral or written) obtained by you from fintekin or through the Services shall create any warranty not expressly stated in these Terms.
9. Limitation of Liability
a. Limitation of Types of Damages: To the fullest extent permitted by law, fintekin and the fintekin Parties (defined in Section 7) will not be liable for any indirect, incidental, special, consequential, or punitive damages – including, without limitation, damages for loss of profits, revenue, goodwill, data, or other intangible losses – arising out of or related to your access to or use of (or inability to use) the Services or any content, even if fintekin has been advised of the possibility of such damages. This limitation applies regardless of the form of action (whether in contract, tort, negligence, strict liability, or otherwise). In addition, fintekin will not be liable for any losses relating to delays or failures in performance resulting from causes beyond our reasonable control (such as network outages, strikes, natural disasters, epidemic, acts of war, etc.).
b. Cap on Liability: To the fullest extent permitted by law, the total liability of fintekin and its affiliates for any claims arising out of or relating to the use of (or inability to use) the Services or otherwise under these Terms shall not exceed the total amount you paid to fintekin in the 12 months preceding the claim, or US $50, whichever is greater. If you have not made any paid purchases, fintekin’s liability is capped at US $50. This limitation is cumulative and not per-incident; it applies to all claims, in aggregate, that you have against fintekin and its affiliates.
Nothing in this Section limits liability that cannot be limited under applicable law (including, where applicable, liability for death or personal injury caused by our negligence).
c. Allocation of Risk: You acknowledge and agree that the disclaimers and limitations of liability in these Terms reflect a reasonable and fair allocation of risk between you and fintekin. These limitations are an essential basis for fintekin’s ability to offer the Services at relatively low cost (including offering free content). You agree that these limitations will apply even if any limited remedy is found to have failed of its essential purpose.
Because some jurisdictions do not allow the exclusion or limitation of liability for certain types of damages, the above limitations may not apply to you in their entirety. In such cases, fintekin’s liability will be limited to the fullest extent permitted by applicable law.
10. Dispute Resolution (Binding Arbitration and Class Waiver)
Please read this section carefully. It affects your rights in the event of a dispute between you and fintekin.
a. Initial Resolution Attempts: Most disputes or questions can be resolved informally. We encourage you to contact our Support Team if you have any issues with our Services, and we will try our best to resolve the matter amicably. If we are unable to resolve the issue to your satisfaction, the following terms will apply.
b. Binding Arbitration Agreement: If you reside in the United States, any dispute or claim arising from these Terms will be resolved by binding arbitration (AAA Consumer Rules). You waive the right to a jury trial or class action, except where prohibited by law.
If you reside outside the U.S., where mandatory consumer law gives you the right to bring claims in your local courts or prohibits pre-dispute arbitration/class waivers, this Section does not deprive you of those rights. The Federal Arbitration Act (FAA) governs the interpretation and enforcement of this Section. By agreeing to these Terms, you and fintekin are each waiving the right to a trial by jury and the right to participate in a class or representative action in court or arbitration. You may only bring claims against fintekin in your individual capacity, not as a plaintiff or class member in any class, collective, or representative action. The arbitrator shall not be permitted to consolidate the claims of more than one individual or to hear any class or representative proceedings, and the arbitrator can only award relief (including injunctive relief, if applicable) on an individual, case-by-case basis.
c. Covered Disputes: This arbitration agreement is intended to be broadly interpreted. It includes, for example, disputes arising from or relating to these Terms, our Privacy Policy, our Services, any advertising, any aspect of the relationship between us, or any use of fintekin. It also includes claims that accrued before you entered into these Terms (such as claims related to statements fintekin made about our Services). The arbitrator shall have the authority to determine the arbitrability of any dispute (i.e., whether a particular dispute is subject to arbitration), except that only a court (not the arbitrator) can decide any disputes relating to the enforceability or validity of the class action waiver.
d. Exceptions to Arbitration: While we are broadly agreeing to arbitrate, there are certain exceptions. Specifically, either you or fintekin may choose to go to court (and not arbitration) to resolve disputes relating to: (a) an individual claim in small claims court (if it qualifies); (b) enforcement actions through applicable government agencies (where such actions are available); (c) a request for injunctive relief or other equitable relief in aid of arbitration (e.g., an order to compel arbitration or to stop certain misuse of IP while arbitration is pending); or (d) disputes concerning intellectual property rights (such as copyright, trademark, or patent infringement claims). In addition, any party that opts out of arbitration, as explained below, will not be bound to arbitrate disputes.
e. Arbitration Procedures: The arbitration will be administered by a neutral arbitration provider – typically the American Arbitration Association (AAA) – in accordance with its rules for consumer disputes (for example, the AAA Consumer Arbitration Rules) or another established ADR provider mutually agreed upon. The arbitration will be conducted by a single, neutral arbitrator. It may be conducted via telephone or video conference, based on written submissions, or in person in the county where you live or another mutually agreed location. The arbitration proceedings and outcome will be confidential, except as may be necessary to enter judgment on the award or as required by law.
The arbitrator will have the authority to award any relief that a court could, including individual injunctive relief and attorneys’ fees when provided by law. However, any relief must be tailored to the individual and shall not affect other fintekin users. The arbitrator’s award shall be final and binding on the parties, and judgment on the award may be entered in any court of competent jurisdiction.
f. Costs of Arbitration: Payment of all filing, administration, and arbitrator fees will be governed by the rules of the arbitration provider (for example, the AAA’s rules), subject to applicable law.
fintekin will pay those fees for you as required by applicable law.
fintekin will not seek attorneys’ fees or costs in arbitration unless the arbitrator finds that your claims are frivolous or brought in bad faith.
g. 30-Day Right to Opt Out: You have the right to opt out of this arbitration agreement. If you do not wish to be bound by the arbitration and class-action waiver provisions in this Section, you must notify us in writing within 30 days of the date that you first accept these Terms (unless a longer period is required by applicable law).
Your written notice should be mailed to us at the address provided in the “Contact Us” section below (Attn: Legal Department – Arbitration Opt-Out) or emailed to our legal contact (with the subject line “Arbitration Opt-Out”). Your opt-out notice must include: (1) your name, (2) the email address associated with your fintekin account, (3) a clear statement that you wish to opt out of the arbitration agreement in these Terms. If you opt out within the 30-day period, you will not be bound by the arbitration or class-action waiver provisions of this Section. Opting out will not affect the other parts of these Terms, such as your obligations to follow the user conduct rules and to pay any fees owed.
h. If You Do Not Opt Out: If you do not opt out within the 30-day period, you and fintekin shall be bound by the arbitration and class action waiver terms of this Section. You still retain the right to opt out of any future changes to this Section (as described below in the “Updates to Terms” section) by sending a rejection notice within 30 days of the change, but any changes will not apply retroactively to claims that accrued before the changes.
i. Judicial Forum for Non-Arbitrable Claims: In the event that this arbitration agreement is found not to apply to you or your claim (for example, if a court decides that the arbitration agreement is unenforceable, or you have opted out as described above), or in the unlikely event we ever litigate in court, you and fintekin agree that any non-arbitration legal action (including any claims not subject to arbitration or if the arbitration clause is unenforceable) will be brought exclusively in the state or federal courts located in the State of Wyoming, USA. You and fintekin both consent to venue and personal jurisdiction in Wyoming for such cases and waive any objections on the grounds of inconvenient forum. (If you are a consumer residing in a country with laws giving you the right to bring disputes in your local courts despite this clause, that provision may override this.)
j. Class Action Waiver: You and fintekin agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You hereby waive your right to participate in a class action lawsuit or class-wide arbitration against fintekin. No arbitrator or judge shall have the authority to consolidate cases or award relief to a group of individuals at once. If this class action waiver is found to be illegal or unenforceable as to all or some parts of a dispute, then (and only then) those parts will not be subject to arbitration and will be handled by a court, with the remaining parts proceeding in arbitration.
If a court determines the class-action waiver is unenforceable as to a particular claim, that claim will proceed in court and not in arbitration; the remainder will proceed individually in arbitration.
k. Severability of Dispute Terms: If any part of this Dispute Resolution section (other than the class action waiver) is ruled to be unenforceable, then the remaining portions shall remain in full effect. If the class action waiver is ruled unenforceable, the entire arbitration agreement shall be void (but the rest of the Terms will remain in effect). In such case, you and fintekin agree that jurisdiction and venue for any permitted litigation will be for U.S. users, state or federal courts in Wyoming, USA; for non-U.S. users, your local courts where mandatory law requires.
l. Right to Consult an Attorney: You have the right to consult an attorney of your choice concerning this agreement to arbitrate, and doing so will not affect the 30-day opt-out period.
m. Survival: This Dispute Resolution section shall survive any termination of your account or these Terms.
11. Termination
a. Term and Termination: These Terms will remain in effect until terminated by either you or fintekin. You may terminate these Terms at any time by deleting your account (or requesting that we delete it) and by ceasing all use of the Services.
fintekin may terminate or suspend your account or your access to all or part of the Services at any time, for cause, including but not limited to violations of these Terms, non-payment, fraud, or legal/regulatory requirements.
fintekin may also suspend access immediately where urgent action is required to protect the platform or users. For example, we may terminate or suspend your use if: you breach any of these Terms or violate any applicable law, if you fail to pay any fees when due, for fraudulent chargeback requests, upon requests by law enforcement, for extended periods of inactivity (after prior notice; see “Dormant accounts” below), for unexpected technical issues, or if we suspect that your conduct is harmful, fraudulent, or violative of the integrity of the Services. We are not liable to you or any third party for termination of your account under these circumstances.
b. Automatic Termination on Violation: Any violation of these Terms automatically terminates your permission to use the Services. In plain terms, if you do something illegal or that violates our rules, your rights under these Terms may end immediately and without notice.
fintekin may additionally refuse to provide the Services to you in the future.
Effect of Termination: Upon any termination of these Terms or your account:
fintekin has no obligation to provide you with copies of your content, except as required by law. We strongly suggest you keep your own backups of any content you wish to retain (like projects or assignments you submitted).
b. Outstanding Fees: You will remain responsible for any unpaid amounts owed to fintekin as of the date of termination. If termination does not result from your breach, we may choose (but are not obligated) to refund any pre-paid fees for services you will not receive due to termination (on a pro-rata basis).
c. Survival: Certain sections of these Terms will survive termination. All provisions that by their nature should survive termination (such as intellectual property rights, our rights to use your content, disclaimer of warranties, indemnification, limitations of liability, dispute resolution, and governing law) will remain in effect after termination.
If we terminate your account for reasons other than your breach, we will refund any prepaid fees for services you can no longer access on a pro-rata basis (where permitted by law).
d. No Re-registration: If your account is terminated by fintekin due to your breach of these Terms or misconduct, you agree not to attempt to create a new account or access the Services through other accounts.
fintekin may employ technical and legal measures to prevent violators from returning.
e. fintekin’s Right to Modify or Discontinue Services: fintekin may, at its sole discretion, at any time modify, suspend, or discontinue any part of the Services (including any particular course or content, or the entire platform), temporarily or permanently, without liability to you. We strive to notify users if a major change will affect their access (for instance, if we plan to discontinue a service that you have paid for), but there may be circumstances where advance notice is not feasible. If we discontinue a paid Service entirely, we will work with affected users to either provide an alternative or issue refunds as appropriate.
f. Dormant accounts: We may close free accounts with no sign-in activity for 12+ months. We will notify you by email at least 30 days in advance and you can keep the account active by signing in.
12. Updates to These Terms
From time to time, fintekin may need to update or modify these Terms to reflect changes in our practices, our Services, or for other operational, legal, or regulatory reasons.
fintekin may update these Terms to reflect changes in law, Services, or business needs. If we make a material change, we will provide notice at least 15 days before the changes take effect.
If a change materially reduces your rights or materially increases your obligations, you may reject the change by stopping use before it takes effect; if you have a prepaid subscription, you may cancel and receive a pro-rata refund for the unused period (where required by law).
Unless we state otherwise, modifications will become effective on the day they are posted on our site or sent to you. In some cases, we may specify a later effective date in the notice (to give you time to review changes). If you continue to use the Services after the effective date of any changes, that use constitutes your acceptance of the updated Terms. The most current version of the Terms will always be available on fintekin’s website and will supersede all previous versions.
If you do not agree to a change, you should stop using the Services and, if applicable, terminate your account before the changes take effect. For changes to the arbitration agreement or other critical sections, we may provide special opt-out or rejection options as required by law (see the Dispute Resolution section above regarding changes to arbitration terms).
Please review these Terms periodically to ensure you understand the terms and conditions that apply to your use of the Services. We will update the “Last Updated” date at the top of this document whenever we make a change.
13. Governing Law and Jurisdiction
These Terms and any dispute arising from or related to these Terms or the Services will be governed by the laws of the State of Wyoming, USA, without regard to its conflict of law principles. We choose Wyoming law because fintekin LLC is organized in Wyoming. If you reside outside the United States, you understand and agree that U.S. laws shall apply to the extent not prohibited by local law. Nothing in these Terms limits any mandatory consumer protections available under the laws of your country of residence.
Subject to the Dispute Resolution section above (which provides for binding arbitration of most disputes), you agree that any legal action not subject to arbitration (e.g., a proceeding to enforce an arbitration award or one of the limited exceptions to arbitration) will be brought exclusively in the state or federal courts located in Wyoming, USA. You and fintekin both consent to the personal jurisdiction of those courts and waive any objections on grounds of venue or forum non conveniens (inconvenient forum). If you are a consumer in a jurisdiction that grants you the right to bring disputes in your local courts, you may do so.
We operate the Services from the United States (with servers and support potentially in various countries). We make no representation that the Services or any content are appropriate or available for use in all locations. If you choose to access the Services from outside the U.S., you do so on your own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. Access to the Services is prohibited in any territory where the content or use of the Services would violate export laws or other regulations. You may not use or export any content or Services in violation of U.S. export laws and regulations.
Nothing in this section will limit the right of fintekin to seek injunctive or equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of its intellectual property, confidentiality, or data security rights.
14. Additional Provisions (Miscellaneous)
a. Entire Agreement: These Terms (together with any Additional Terms applicable to specific Services, and any policies like the Privacy Policy, or others incorporated by reference) constitute the entire agreement between you and fintekin regarding your use of the Services, and supersede all prior and contemporaneous agreements, proposals or representations, written or oral, concerning its subject matter. You agree that you have not relied on any representation or warranty not explicitly stated in these Terms. In the event of any conflict between these Terms and any other policies or terms, these Terms will generally control, except where a supplemental policy explicitly overrides these Terms in certain aspects (for example, a specific program’s terms may govern over these Terms for that program).
b. Additional Terms and Policies: As noted, by agreeing to these Terms, you also agree to abide by any additional guidelines or policies that fintekin posts or links to within the Services (such as a Code of Conduct, Acceptable Use Policy, Honor Code, Academic Integrity Policy, or specific course rules). All such policies are incorporated into these Terms by reference. In particular, please review fintekin’s Privacy Policy, which describes how we collect, use, and protect personal information. The Privacy Policy is incorporated herein and by using the Services you acknowledge that collection and use of your information will be as described there. If you are an instructor on fintekin, the Instructor Terms apply to you as additional terms. Enterprise or institutional clients will have separate contracts that prevail over these Terms to the extent of any conflict.
c. No Assignment by You: You may not assign or transfer these Terms or your rights or obligations herein, in whole or in part, to any other person or entity without fintekin’s prior written consent. Any attempt by you to assign these Terms without permission will be null.
fintekin may assign these Terms or any of its rights and obligations to any affiliate or as part of a merger, acquisition, reorganization, or sale of assets, or by operation of law or otherwise, and you hereby consent to such assignment by fintekin.
d. No Waiver: Fintekin’s failure to enforce any provision of these Terms shall not be deemed a waiver of that provision or of the right to enforce it in the future. No waiver of any term shall be deemed a further or continuing waiver of that term or any other term. Similarly, the course of conduct between us or trade practice will not modify any provision of these Terms.
e. Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or other tribunal of competent jurisdiction, that provision shall be enforced to the maximum extent permissible and the remaining provisions of these Terms will remain in full force and effect. Our agreement is that the court should modify the invalid provision to the minimum extent necessary to make it enforceable, while still reflecting the original intent.
f. Relationship of Parties: You and fintekin are independent contractors; these Terms do not create any employment, partnership, joint venture, or agency relationship between us. You do not have any authority of any kind to bind fintekin in any respect.
g. Third-Party Beneficiaries: Except as explicitly stated in these Terms, there are no third-party beneficiaries to this agreement. Users are not third-party beneficiaries to any agreements between fintekin and any of its instructors or other partners.
h. Notices: Any legal notices or communications required or permitted to be given to you under these Terms will be in writing and sent by fintekin via email (to the address associated with your account), via notification through the Services, or by post mail if you provided a physical address. You consent to receive communications from us electronically and agree that such electronic communications satisfy any legal requirement that such communications be in writing. You are responsible for keeping your contact information (especially your email) up to date. If you need to give notice to us, you must do so in writing via email to our designated address or via certified mail to our registered business address.
i. Headings and Interpretation: The headings used in these Terms (section titles, etc.) are for convenience and reference only and have no legal effect. The words “including” and similar terms shall be interpreted as meaning “including, without limitation.” In case of any ambiguity or inconsistency between the English version of these Terms and a version in any other language, the English version will control.
j. Force Majeure: fintekin shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, such as acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, pandemic, fire, flood, accidents, network infrastructure failures, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.
k. Export Controls: You represent that you are not located in, under the control of, or a national/resident of any country embargoed by the U.S., and that you are not on any U.S. government list of prohibited or restricted parties. You will not use or export the Services in violation of U.S. or other applicable export laws.
l. Government Users: If you are a U.S. government end-user, our software and services are provided with “RESTRICTED RIGHTS.” Use, duplication, or disclosure by the Government is subject to restrictions as set forth in applicable laws and regulations. Manufacturer is fintekin LLC (contact details below).
m. Consent to Do Business Electronically: fintekin operates online, so we need you to consent to transact business with us electronically. This means you agree that any agreements, notices, disclosures, or other communications that we send to you electronically (via email or through our Services) will satisfy any legal communication requirements, including that such communications be in writing.
15. Contact Us
If you have any questions, concerns, or feedback about these Terms or the Services, we encourage you to contact our Support Team.
The best way to reach us is through the Contact Us page on our website. We value open communication and are here to help.
Contact Info fintekin LLC | Attn: Legal Department 30 N Gould St, Sheridan, WY 82801, USA | www.fintekin.com Email: mail@fintekin.com For legal notices, you may also email info@fintekin.com |
Thank you for teaching and learning with fintekin.
By working together under these Terms, we can ensure a safe, fair, and rewarding learning environment for everyone.