Terms and Conditions

1. Introduction

Welcome to InvestSmart Academy! These Terms and Conditions ("Terms") govern your access to and use of the InvestSmart Academy website (the "Website") and the services offered through it, including but not limited to online courses, educational resources, and community forums (collectively, the "Services"). By accessing or using the Website or Services, you agree to be bound by these Terms. If you do not agree with these Terms, you must not access or use the Website or Services.

2. User Responsibilities

As a user of InvestSmart Academy, you are responsible for:

• Providing accurate and complete information when registering for an account or using the Services.
• Maintaining the confidentiality of your account credentials and being responsible for all activities that occur under your account.
• Using the Website and Services in compliance with all applicable laws and regulations.
• Refraining from engaging in any activity that could disrupt or interfere with the operation of the Website or Services, or that could harm other users.
• Respecting the intellectual property rights of InvestSmart Academy and other users.
• Not using the Website or Services for any illegal or unauthorized purpose.

2.1 Prohibited Conduct

You agree not to:

• Upload, post, or transmit any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically, or otherwise objectionable.
• Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
• Forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the Services.
• Upload, post, or transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation.
• Upload, post, or transmit any material that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment.
• Collect or store personal data about other users without their express consent.
• Use any robot, spider, scraper, or other automated means to access the Website or Services for any purpose without our express written permission.

3. Intellectual Property

The Website and Services, including all content, trademarks, logos, and other intellectual property, are owned by InvestSmart Academy or its licensors and are protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, and non-transferable license to access and use the Website and Services for your personal, non-commercial use.

3.1 Restrictions

You may not:

• Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any content obtained from the Website or Services.
• Use any trademark, logo, or other proprietary information of InvestSmart Academy without our express written consent.
• Remove, obscure, or alter any copyright, trademark, or other proprietary notices contained in the Website or Services.

3.2 User-Generated Content

If you submit any content to the Website or Services, such as comments or forum posts, you grant InvestSmart Academy a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in any media.

4. Disclaimers

The information provided on the Website and Services is for educational purposes only and does not constitute financial advice. InvestSmart Academy does not guarantee the accuracy, completeness, or timeliness of the information provided, and we are not responsible for any losses or damages that may result from your reliance on such information. Investing involves risk, and you should consult with a qualified financial advisor before making any investment decisions.

4.1 No Warranty

THE WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. INVESTSMART ACADEMY DOES NOT WARRANT THAT THE WEBSITE OR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

4.2 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, INVESTSMART ACADEMY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF THE WEBSITE OR SERVICES, EVEN IF INVESTSMART ACADEMY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL INVESTSMART ACADEMY'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE WEBSITE OR SERVICES EXCEED THE AMOUNT YOU PAID TO INVESTSMART ACADEMY, IF ANY, FOR ACCESS TO OR USE OF THE WEBSITE OR SERVICES.

5. Termination

InvestSmart Academy may terminate your access to the Website and Services at any time, with or without cause, and without notice. You may terminate your account at any time by contacting us.

6. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law principles.

7. Changes to Terms

InvestSmart Academy may modify these Terms at any time by posting the revised Terms on the Website. Your continued use of the Website or Services after the posting of revised Terms constitutes your acceptance of the revised Terms.

8. Contact Information

If you have any questions about these Terms, please contact us through the Contact page.