Terms & Conditions

1. Acceptance of Terms

These Terms & Conditions apply when you use fincoursa.com, create a FinCoursa account, or buy or join a course, programme, or live session (together, the "Platform"). By creating an account or completing a purchase, you agree to them. The Platform is operated by FinCoursa, [trade licence number], UAE, United Arab Emirates ("FinCoursa", "we", "us"). Our VAT registration number (TRN) is [TRN]. Questions about these terms: [support@fincoursa.com]. By creating an account, purchasing or otherwise using the Services, you agree to these Terms, our Privacy Policy, our Refund and Cancellation Policy, and our Risk and Educational Disclaimer.

2. Eligibility and accounts

You must be 18 or older (or the age of majority where you live) and able to enter a binding contract. Give accurate registration details, keep your login secret, and do not share your account. You are responsible for activity on it. Tell us promptly at [security@fincoursa.com] if you suspect misuse. You are responsible for making sure that your use of the Services, and any trading or investing you choose to do, is lawful where you live. We may restrict access where required by law, sanctions or export rules.

3. Courses, programmes and access

• What you get: Buying a course gives you a personal, non-transferable licence to watch and use it for your own learning. A programme includes each course it offers.
• How long: Each course page shows how long access lasts: lifetime access, or a fixed number of days from purchase. "Lifetime" means for as long as the course is offered on the Platform.
• Live sessions: Live workshops run on Zoom at the times shown on the course page, in your own time zone. The join link appears in your account shortly before the start. We normally add recordings afterwards, but we can't guarantee a recording for every session.
• Changes to courses: Instructors may update, reorder, or improve lessons. If we have to reschedule a live session, we'll tell enrolled students by email and in the course.

4. Prices, payment and VAT

• Prices are shown at checkout in the listed currency (for example, USD or AED) before you pay.
• VAT: Where we are required to charge VAT, it is shown at checkout and on your tax invoice. For buyers in the UAE, prices include 5% VAT. For other countries, tax depends on your billing country and is shown at checkout. Registered businesses that give a valid VAT/GST number may be charged without VAT where the reverse charge applies.
• Payment: Payments are taken by our payment providers (such as card processors, PayPal, bank transfer or, where offered, cryptocurrency). We never see or store your full card details.
• When access starts: Your course unlocks once the payment is confirmed. For bank transfers or payment links, this can take until the transfer reaches us; please include the payment reference shown at checkout.
• Invoices: A receipt is emailed to you, and a printable tax invoice is available in your account under Purchases.
• Coupons and referrals: Discount codes have the conditions shown with them, can't be exchanged for cash, and one code applies per order.

5. Refunds

• You can ask for a full refund within [7 / 14] days of purchase if you have watched less than [20%] of the course. Email [support@fincoursa.com] with your order number.
• Live workshops can be refunded up to [48 hours] before the first session starts. After that, you keep access to the recordings instead.
• Refunds go back to the original payment method. Card refunds usually show within 5–10 business days, depending on your bank.
• When a purchase is fully refunded, access to that course ends.
• Nothing in this section limits any rights you have under consumer law in your country.

6. Educational content only, not investment advice

FinCoursa courses teach skills in finance, trading and markets for educational purposes only. Nothing on the Platform, in a course, a live session, an email or a community discussion is investment, financial, tax or legal advice, or a recommendation to buy or sell any security, commodity, currency or other instrument.

• Trading and investing carry a high risk of loss, including losing more than you invest with some leveraged products. Past performance and examples shown in courses do not predict future results.
• Any decision you make with what you learn is yours alone. Consider getting advice from a licensed adviser in your country.
• Instructors speak for themselves. Their views are not necessarily FinCoursa's, and they may hold positions in the instruments they discuss.
• FinCoursa is not a broker and is not licensed to give investment advice.

7. Acceptable use and intellectual property

• All course videos, slides, downloads, quizzes, and other materials belong to FinCoursa or its instructors and are protected by copyright.
• You may not copy, record, download (except files offered as downloads), share, resell, or publish course content, or give anyone else access to your account. Videos may carry a personal watermark.
• Don't misuse the Platform: no attempts to break security, scrape content, overload the service, or post unlawful, abusive, or misleading material in sessions or comments.
• If you break these rules, we may suspend or close your account without a refund, and remove any content you posted.

8. Partners, referrals and communications

• Referrals. If you arrive through a partner's referral link, that partner may earn a commission on your purchase. It does not change the price you pay. Partners and affiliates agree to separate partner terms.
• Service emails. We email you about your account and purchases: receipts, sign-in and password links, live session reminders, and important course updates. These are part of the service.
• Marketing emails. We only send newsletters and offers if you opted in. Every one has an unsubscribe link, and you can change this at any time.

9. Liability, changes and other terms

• Availability. We work to keep the Platform running, but it may sometimes be unavailable for maintenance or reasons outside our control.
• Liability. To the extent the law allows, we are not liable for indirect or consequential losses, or for trading or investment losses, and our total liability for a purchase is limited to the amount you paid for it. Nothing here limits liability that can't legally be limited.
• Ending your account. You can close your account at any time by contacting us. We may close or suspend accounts that break these terms.
• Changes. We may update these terms. The "Last updated" date at the top shows when. For important changes, we'll tell account holders by email. Continuing to use the Platform after a change means you accept the new terms.
• Governing law. These terms are governed by the laws of [the Emirate of Dubai and the federal laws of the UAE], and disputes go to the courts of [Dubai]. [Confirm with your lawyer, including whether DIFC courts or arbitration are preferred.]
• Contact. FinCoursa, UAE, [support@fincoursa.com].