1. IMPORTANT INFORMATION

You should carefully read the following terms and conditions. Your purchase or use of our products implies that you have read and accepted these terms and conditions.

2. RIGHTS

Our web site grants you personal unlimited time usage during your membership term of the web lesson plans and calculators provided by our company.

a)PASSWORD sharing is considered theft of services and is illegal. Password sharing can be detected.

b)SHARING YOUR PASSWORD with another person will result in immediate termination of your membership without refund. Further we report all cases to the relevant authorities for the jurisdiction of the members location.

Further anyone who shares their password with another person will be reported to a number of fraud databases. Many online commerce systems check these databases during an electronic transaction. Further we reserve the right to take legal action and other remedies against anyone who shares their password or commits any other computer crime or theft of services.

c) UNAUTHORIZED USE

You may not place any of our products, modified or unmodified, on a CD, DVD, web site or any other medium and offer them for redistribution or resale of any kind without prior written consent from our company.  

3. OUR REFUND POLICY

A 100% REFUND up to one year if our educational service has not lived up to your reasonable expectations of increasing your financial knowledge or provided guidance into saving money on your path to increased financial well-being. 

4. ANTIFRAUD CHECK

Customer purchase can be suspended for manual antifraud check for 10-20 minutes as well as it can be suspended for longer term (around 20 hours) for more serious investigation. Antifraud check occurs because of growing number of fraud transactions from persons who are not actual cardholders of the credit cards used during purchase.

Our company reserves the right to change or modify these terms with no prior notice.