Terms of Use

These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you") and USCourseBix ("we," "us," or "our"), concerning your access to and use of the uscoursebix.com website ("Website") as well as any other related services, including our financial education courses.

By accessing our Website or participating in our courses, you agree to comply with and be bound by these Terms of Use. If you do not agree with all of these Terms of Use, you are prohibited from using the Website and services and must discontinue use immediately.

We reserve the right to make changes to these Terms of Use at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Terms of Use. Any changes or modifications will be effective immediately upon posting the updated Terms of Use on the Website. You waive any right to receive specific notice of each such change.

Unless otherwise indicated, the Website and all source code, databases, functionality, software, website designs, audio, video, text, photographs, graphics, and course materials (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights.

The Content and the Marks are provided on the Website and in courses "AS IS" for your information and personal use only. Except as expressly provided in these Terms of Use, no part of the Website or courses and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

Provided that you are eligible to use the Website and enroll in our courses, you are granted a limited license to access and use the Website and the Content for personal, non-commercial use only. We reserve all rights not expressly granted to you in and to the Website, the Content, and the Marks.

By using the Website and our services, you represent and warrant that:

• You have the legal capacity and you agree to comply with these Terms of Use.
• You are not a minor in the jurisdiction in which you reside, or if a minor, you have received parental permission to use the Website.
• You will not access the Website through automated or non-human means, whether through a bot, script, or otherwise.
• You will not use the Website for any illegal or unauthorized purpose.
• Your use of the Website will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Website or services (or any portion thereof).

You may be required to register with the Website to access certain features or services, including enrollment in our courses. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

You are responsible for maintaining the confidentiality of your account information, including your password, and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account or password, or any other breach of security.

Upon registration and payment for our financial education courses, you will be granted access to course materials for the duration specified in the course description. The following terms apply to your use of our course materials:

• Course access is personal and non-transferable. You may not share your login credentials or course materials with others.
• Course materials are for your personal, non-commercial use only. You may not copy, reproduce, distribute, transmit, or create derivative works based on the course materials.
• The duration of access to course materials is as specified at the time of purchase. After this period expires, your access to the course materials may be revoked.
• We reserve the right to modify, update, or discontinue course content at any time to maintain relevance and accuracy.

We do not guarantee specific results from taking our courses. The educational content provided is for informational purposes only and should not be construed as professional financial advice. You acknowledge that financial results may vary based on individual circumstances, efforts, and market conditions.

By enrolling in our courses, you agree to pay all fees associated with the courses. All fees are quoted in U.S. dollars. Payment must be made through our authorized payment processors.

Refund Policy: We offer a 14-day money-back guarantee for our courses. If you are not satisfied with a course, you may request a refund within 14 days of purchase by contacting us at the information provided below. After 14 days, no refunds will be provided.

Refund eligibility may require demonstration that you have engaged with the course materials and completed assignments. Refunds may be denied in cases of:

• Requests made after the 14-day refund period
• Requests from accounts that have violated our Terms of Use
• Requests for subscription-based services where more than 30% of content has been accessed
• Cases of demonstrated abuse of our refund policy

You may not access or use the Website or our services for any purpose other than that for which we make them available. The Website may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Website or our services, you agree not to:

• Systematically retrieve data or other content from the Website to create or compile, directly or indirectly, a collection, database, or directory.
• Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information.
• Circumvent, disable, or otherwise interfere with security-related features of the Website.
• Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Website.
• Use any information obtained from the Website in order to harass, abuse, or harm another person.
• Make improper use of our support services or submit false reports of abuse or misconduct.
• Use the Website in a manner inconsistent with any applicable laws or regulations.
• Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material that interferes with any party's uninterrupted use and enjoyment of the Website or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Website.
• Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
• Delete the copyright or other proprietary rights notice from any Content.
• Attempt to impersonate another user or person or use the username of another user.
• Sell or otherwise transfer your profile or account.
• Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Website to you.

The Website may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Website, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions").

By posting any Contributions to the Website, you grant us and our affiliates a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such Contributions throughout the world in any media. You represent and warrant that:

• You own or control all rights in and to the Contributions.
• The Contributions are accurate and not misleading.
• Use of the Contributions does not violate these Terms of Use, the rights of any third party, or applicable law.
• The Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramids schemes, chain letters, spam, mass mailings, or other forms of solicitation.

We have the right, in our sole discretion, to edit or remove any Contributions at any time and for any reason without notice.

The Website may contain links to third-party websites and services, and/or display content from third parties. These third-party links and content are not owned, controlled, or operated by us. We do not endorse, approve, or assume any responsibility for such third-party websites, information, materials, products, or services.

If you access a third-party website from the Website, you do so at your own risk, and you understand that these Terms of Use and our Privacy Policy do not apply to your use of such third-party websites. You expressly relieve us from any and all liability arising from your use of any third-party website, service, or content.

THE WEBSITE AND SERVICES ARE PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS. YOU AGREE THAT YOUR USE OF THE WEBSITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE WEBSITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE WEBSITE'S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE WEBSITE, AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY:

• ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS;
• PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE WEBSITE;
• ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN;
• ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE WEBSITE;
• ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE WEBSITE BY ANY THIRD PARTY;
• ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE WEBSITE.

THE EDUCATIONAL CONTENT PROVIDED IN OUR COURSES IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS PROFESSIONAL FINANCIAL ADVICE. WE DO NOT MAKE ANY GUARANTEES CONCERNING THE LEVEL OF SUCCESS YOU MAY EXPERIENCE BY FOLLOWING OUR GUIDANCE, AND YOU ACCEPT THE RISK THAT RESULTS WILL DIFFER FOR EACH INDIVIDUAL.

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE WEBSITE AND SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING.

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of:

• Your use of the Website or services;
• Your breach of these Terms of Use;
• Your violation of the rights of a third party, including but not limited to intellectual property rights; or
• Any harmful act toward any other user of the Website or services with whom you connected via the Website.

Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

These Terms of Use and your use of the Website and services are governed by and construed in accordance with the laws of the State of New York applicable to agreements made and to be entirely performed within the State of New York, without regard to its conflict of law principles.

Any legal action of whatever nature brought by either you or us shall be commenced or prosecuted in the state and federal courts located in New York, New York, and you hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to venue and jurisdiction in such state and federal courts.

We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Use at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Terms of Use, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Terms of Use to stay informed of updates. Your continued use of the Website and services after the date that such changes become effective constitutes your acceptance of the new Terms of Use.

If you have any questions or concerns about these Terms of Use, please contact us at:

Email: info@uscoursebix.com
Phone: (555) 987-6543
Address: 123 Financial Avenue, Suite 500
New York, NY 10001