Terms and Conditions

Terms & Conditions

Last updated: 10/15/2025

These Terms & Conditions (“Terms”) govern your access to and use of InvestEdu PM (the “Website”, “Service”, “we”, “us”, or “our”). By accessing or using the Website, or purchasing or using our services, you agree to be bound by these Terms. By using our Website or Services, you agree to these Terms. If you prefer not to accept them, please discontinue use at this time.

1. Definitions

• User / You / Your: refers to any person who accesses or uses the Website or services.
• Services: refers to all features, content, products, subscriptions, courses, tools, or materials offered via the  Website.
• Account: your registered user account on the Website (if applicable).
• Content: includes text, graphics, images,  audio, videos, software, data, or other materials.

2. Acceptance & Changes to Terms

• You agree to these Terms by using the Website or services.
• We reserve the right to modify,  suspend, or discontinue any part of the Website or services, or change these Terms, at any time.
• We will post the updated Terms here and update the “Last updated” date. Continued use after changes constitutes your acceptance.

3. Eligibility & Account

• By using our services, you represent that you are at least the age of majority in your jurisdiction and capable of forming binding contracts.
• If you create an Account, you agree to provide accurate and complete information, maintain the security of your login credentials, and notify us of any unauthorized use.

4. Use of Services & Restrictions

You may use the services for lawful purposes only. You agree not to:

• Use the Website or services in violation of applicable laws or regulations
• Reverse engineer, decompile, or hack the system, or attempt to disrupt or interfere with the Website
• Use automated tools (bots,  scrapers) to access or extract data
• Impersonate others or post  misleading or fraudulent content
• Upload or transmit any harmful material (viruses, malware)
• Use the services to solicit business or for spam or advertising without permission

We reserve the right to suspend or terminate accounts or access for violations, at our discretion.

5. Payment, Fees & Billing

• To access certain services, you may need to pay fees as described on the Website.
• All payments must be made by the methods we accept (e.g. credit card, PayPal, etc.).
• You agree to provide current,  valid, and acceptable payment information.
• If a payment fails, we may suspend or terminate your access to paid features.

6. No Refunds / All Sales Final

All payments are final and non-refundable. Once a payment is made and access or services are delivered, you do not have a right to a refund, credit, or reimbursement, under any circumstance, except as explicitly required by applicable law.

Without limiting the foregoing:

• We do not offer returns or refunds.
• You acknowledge that you are responsible for reading all information about our services, ensuring they meet your needs, before purchasing.
• In jurisdictions where “no refund” clauses are unenforceable (or restricted), we will comply with required law.

7. Intellectual Property

• The Website, services, and all Content are protected by copyright, trademark, and other intellectual  property laws.
• You may not copy, reproduce,  distribute, transmit, display, or otherwise use our intellectual property  except as expressly permitted in these Terms.
• You grant us a license to use any content or materials you submit (e.g. feedback, comments) as needed to operate or improve the service.

8. Disclaimers & Limitation of Liability

· Educational Purpose Only — The content, materials, and tools provided on our Website and through our Services are for educational and informational purposes only. They are not financial, investment, legal, or tax advice, nor are they a substitute for advice from licensed professionals.
You are solely responsible for how you interpret and use any information obtained from our Website or Services. Before making financial or investment decisions, you should consult a qualified, licensed professional for personalized guidance.

· No Warranties — The Website and Services are provided “as is” and “as available,”without warranties of any kind, either express or implied. We do not guarantee that the Services will be uninterrupted, error-free, secure, or meet your specific expectations.

· Disclaimer of Implied Warranties — To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

· Limitation of Liability — In no event shall we, our officers, directors, employees, affiliates, partners, or licensors be liable for any indirect, incidental, consequential, punitive, or special damages arising from or related to your use or inability to use the Website or Services, even if we have been advised of the possibility of such damages.
Your sole and exclusive remedy for dissatisfaction with the Website or Services is to stop using them.

9. Indemnification

You agree to indemnify, defend, and hold harmless InvestEdu PM and its officers, directors, agents, and employees from any claims, demands, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of or relating to:

• Your violation of these Terms
• Your use of (or misuse of) the Website or services
• Your violation of any rights of  third parties

10. Termination / Suspension

• We may terminate or suspend your access, in whole or part, immediately, without notice, for any breach of these Terms or for other reasons.
• Upon termination, your right to use the services ceases, and we may delete or disable your account and data.
• Sections which by their nature should survive termination (e.g. intellectual property, disclaimers,  indemnification) will survive.

11. Governing Law & Dispute Resolution

• These Terms are governed by the laws of [Your State / Country] (you should choose).
• Any dispute arising out of or relating to these Terms or services will be resolved first through good faith negotiations.
• If resolution fails, disputes  will be submitted to binding arbitration [or in court, depending on your  choice] in [venue].
• You waive any right to  class-action claims, unless prohibited by applicable law.

12. Severability & Waiver

• If any provision of these Terms is found invalid, the remainder will continue in full force.
• Our failure to enforce any right or provision will not be deemed a waiver of that right.

13. Third-Party Links & Services

• The Website may contain links to  third-party websites, tools, or services not owned or controlled by us.
• We are not responsible for the  content, security, or practices of third parties.
• Inclusion of such links does not imply endorsement.

14. Notices

We may send notices via email, postings on the Website, or other means.