Terms of Service

Last Updated on April 30, 2026

Terms of Use/ Terms of Service

FinTree Education Private Limited, a company incorporated under the provisions of the Companies Act, 1956 and having its registered office at 2 - 207, Second Floor, Ashok Sankul, above ICICI Bank, Bhoslenagar, Ashok Nagar, Pune, Maharashtra 411020 (hereinafter referred to as “FinTree”, “Company”, “we”, “us” or “our”, as the context may require), owns, operates, and manages an integrated education and learning ecosystem comprising websites, digital platforms, learning management systems, mobile applications, application programming interfaces (APIs), and other technology-enabled interfaces (collectively referred to as the “Platform”).

The Company operates under the brand name “FinTree” and/or such other brand names as may be communicated by the Company or its group entities from time to time. These Terms of Use (“Terms”) govern access to and use of the Platform and the Educational Services by any person who accesses, visits, browses, registers on, or otherwise uses the Platform, whether or not such person purchases, subscribes to, or enrols in any Educational Services (each, a “User”).

Through the Platform, FinTree facilitates and provides educational and professional learning programs across various subjects and disciplines, including but not limited to the Chartered Financial Analyst (CFA) course and such other academic, professional, certification, or skill-based courses as may be introduced by the Company from time to time.

The Platform may be accessed for informational purposes only or for availing Educational Services. Educational Services available on the Platform may include recorded lectures, live online or in-person classes, workshops, assessments, mentoring sessions, doubt-resolution sessions, learning resources, and other allied educational offerings (collectively referred to as the “Educational Services”).

Access to certain features, content, or Educational Services may be subject to registration, eligibility criteria, payment of applicable fees, or additional terms and policies, as may be specified by the Company from time to time.

Scope of Applicability

These Terms of Use / Terms of Service (“Terms”) govern, without limitation:

(a) access to, browsing of, and use of the Platform;
(b) enrolment in, access to, and consumption of the Educational Services;
(c) creation, maintenance, and operation of user accounts;
(d) access to and use of content, study materials, assessments, learning tools, and other resources made available on the Platform; and
(e) all interactions, communications, and transactions between users and FinTree conducted on or through the Platform.

These Terms apply to all users accessing or using the Platform from India or any other jurisdiction, subject to applicable local laws.

Acceptance and Binding Effect

By:

accessing, visiting, or browsing the Platform;
creating or maintaining a user account;
enrolling in or participating in any course, program, or Educational Service;
making any payment on or through the Platform; or
otherwise accessing or using any part of the Platform or Services,

you expressly acknowledge that you have read, understood, and agreed to be legally bound by these Terms, together with the Privacy Policy and any other policies, guidelines, or notices referenced herein or made available on the Platform from time to time (collectively, the “FinTree Policies”).

These Terms constitute a legally binding and enforceable agreement between you and FinTree in accordance with the provisions of applicable laws and regulations.

If you do not agree to these Terms or any part thereof, you must immediately discontinue access to and use of the Platform and the Educational Services.

Your acceptance of these Terms shall be deemed to occur through electronic means, including but not limited to click-wrap, browse-wrap, in-app confirmations, or continued access to or use of the Platform. Such electronic assent shall have the same legal validity and enforceability as a physical signature in accordance with the Information Technology Act, 2000 and applicable rules made thereunder.

FinTree reserves the right, at its sole discretion, to modify, amend, update, or replace these Terms, in whole or in part, at any time.

Any such modification shall become effective immediately upon posting the revised Terms on the Platform, unless otherwise stated. Your continued access to or use of the Platform after such posting shall constitute deemed acceptance of the modified Terms.

FinTree’s Platform uses cookies and similar technologies to enhance your user experience, analyze Platform usage, and deliver personalized content and advertising. Cookies are small data files placed on your device that help remember your preferences and enable essential Platform functions. By using the Platform, you consent to our use of cookies as described in our Privacy Policy. You can manage or disable cookies through your browser settings, but please note that some features of the Platform may not function properly if cookies are disabled.

User Eligibility & Age Restrictions

Access to and use of the Platform and Educational Services is available only to individuals who are legally capable of entering into a binding contract under the laws applicable to them.

By accessing or using the Platform, you represent and warrant that:

you are at least eighteen (18) years of age, or the age of majority under the laws of your jurisdiction, whichever is higher; and
you are legally competent to enter into and be bound by these Terms.

If you are below the age of eighteen (18) years or the age of majority applicable in your jurisdiction, you may access or use the Platform only with the involvement, supervision, and consent of a parent or legal guardian, who agrees to be bound by these Terms on your behalf and assumes full responsibility for:

your access to and use of the Platform;
all activities conducted through your account; and
any payments, charges, or liabilities incurred.

FinTree does not knowingly permit minors to create independent user accounts or make payments without valid parental or guardian consent. FinTree may, at its discretion, require age verification, parental consent, or proof of legal capacity, and may restrict, suspend, or terminate access to the Platform or Educational Services if such verification is not provided or is found to be inaccurate.

FinTree reserves the right to deny, restrict, suspend, or terminate access to the Platform or Educational Services where a user does not meet the eligibility requirements set out herein or has provided false, misleading, or incomplete information regarding age or legal capacity.

Account Registration, Credentials & Security

To access certain features, content, or Educational Services on the Platform, you may be required to create and maintain a user account. You agree to provide true, accurate, current, and complete information during registration and to keep such information updated at all times.

You are solely responsible for:

maintaining the confidentiality of your login credentials, including usernames, passwords, and any authentication information;
all activities conducted through your account, whether or not authorised by you; and
ensuring that your use of the Platform complies with these Terms and applicable laws.

You agree not to:

share your account credentials with any third party;
permit any other person to access or use your account; or
use another user’s account without authorisation.

You must immediately notify FinTree of any unauthorised access to or use of your account, or any other breach of security. FinTree shall not be liable for any loss, damage, or unauthorised activity arising from your failure to safeguard your account credentials or to promptly notify FinTree of a security breach.

FinTree reserves the right to:

implement reasonable security measures, including authentication protocols and access controls;
suspend, restrict, or terminate your account, or require you to reset credentials, if it reasonably believes that your account has been compromised, misused, or accessed in violation of these Terms; and
refuse registration or cancel accounts at its discretion, subject to applicable law.

Each user may maintain only one account, unless expressly permitted by FinTree in writing. Accounts are personal, non-transferable, and non-assignable.

Payments, Fees & Refunds

Fees and Pricing

Access to certain Educational Services on the Platform may be subject to payment of fees and any other terms and conditions, as displayed on the Platform at the time of enrolment or purchase. All fees are:

stated in the applicable currency;
exclusive of applicable taxes, duties, or levies unless expressly stated otherwise; and
subject to change at FinTree’s discretion prior to purchase.

You agree to pay all applicable fees in full at the time of enrolment or purchase using the payment methods made available on the Platform. FinTree reserves the right to refuse or cancel any order or transaction in the event of suspected fraud, unauthorised activity, or pricing errors.

Payment Processing

Payments made on the Platform may be processed through third-party payment gateways or service providers. FinTree does not control and shall not be responsible for any errors, delays, failures, or unauthorised actions attributable to such third-party payment processors.

By making a payment, you authorise FinTree and its payment service providers to charge the applicable fees using your selected payment method and to take such steps as are reasonably necessary to complete the transaction.

Refunds and Cancellations

Except as expressly stated on the Platform or under a specific refund policy applicable to a particular course or program, all fees paid are non-refundable and non-transferable.

Where a refund is permitted:

it shall be processed in accordance with the refund terms disclosed at the time of purchase;
it may be subject to deductions for administrative charges, taxes, or third-party payment gateway fees; and
it shall be issued to the original payment method within a reasonable period, subject to the policies of the payment service provider.

No refunds shall be provided for:

partial attendance, non-attendance, or early withdrawal from a course or program;
failure to complete a course, assessment, or program;
dissatisfaction with learning outcomes or results; or
inability to access the Platform due to user-side technical issues, including internet connectivity, device compatibility, or software limitations.

Course Extension and Access Validity Policy

Extension is provided only once on the subscription of a course. In case you need to access the course after a subscription is over, you will be required to resubscribe for the course.

In case of extensions you will need to provide us with the proof of registration for the exam window you need to extend your access to. It is mandatory to submit the proof to avoid deactivation of LMS access.

In case you need to upgrade your program to a higher package you need to contact our Admin Team (admin@fintreeindia.com). The decision to upgrade the program is solely at the discretion of our Admin Team.

There is no option of downgrading your program or the validity of your program.

Any disputes arising are subject to the Jurisdiction of Pune for all Online and Offline Student

Course Extension Policy This policy governs the extension of online course enrollment for CFA Level 1, 2, and 3 courses. By enrolling with FinTree Education Pvt. Ltd., you agree to the following terms regarding course extensions:

CFA Level 1:

Immediate Exam Window Extension:

1. Before Course Expiry:

A fixed extension fee of ₹6,000/- will apply if you extend your enrollment to the immediate next exam window before your current course expires.

2. After Course Expiry (with 15-day buffer):

If your course has expired but you request an extension after 15 days after expiry, an extension fee of ₹12,000/- will apply for the immediate next exam window.

3.Upgrade to Higher Package:

If you wish to upgrade to a higher package, you will need to pay the difference between your current package and the upgraded package fee.

Proof of registration with the CFA Institute for the respective exam window is mandatory.

Non-Immediate Exam Window Extension:

If you request an extension for six months, the extension fee will be 50% of the selected package price. Any extension beyond six months will be considered a resubscription. Proof of registration with the CFA Institute for the respective exam window is mandatory.

CFA Level 2:

Immediate Exam Window Extension:

Before Course Expiry:

A fixed extension fee of ₹6,000/- will apply if you extend to the immediate next exam window before your current course expires. For extensions from the November exam window to the May exam window, the extension fee will be 50% of the package fee for the May exam batch, regardless of whether your course has expired.

After Course Expiry (with 15-day buffer):

If your course has expired and you extend after 15 days after expiry, an extension fee of ₹12,000/- will apply for the immediate next exam window.

Upgrade to Higher Package:

You will need to pay the difference in price between the current and upgraded package.

Proof of registration with CFA Institute is mandatory.

Non-Immediate Exam Window Extension:

CFA Level 3:

Any Exam Window Extension:

Fixed Extension Fee:

Any extension requested, whether for the immediate or non-immediate next exam window, will be charged at 50% of the selected course price. Proof of registration with CFA Institute is required.

Upgrade to Higher Package:

Should you wish to upgrade to a higher package, the difference in price must be paid.

CFA Level 3 – Specialised Pathways Terms & Conditions

i. Pathway Selection & Changes

Once a pathway is selected, it cannot be changed while your course is active.

It is not mandatory to choose a pathway at the time of purchase. You may inform us via email before your course ends regarding your chosen pathway.

ii. Pathway Change on Extension

If your course expires and you wish to extend, you must specify any desired pathway change at the time of requesting an extension.

Once an extension is granted, pathway changes will not be allowed under any circumstances.

iii. Access to a Different Specialised Pathway for Current Students

If you are a current student and have appeared for the exam, you can request one-month access to a different specialized pathway, at no extra cost.

This request must be made after the exam and before the result and should be supported by proof of your CFA exam appointment letter.

The request will only be accepted if a valid reason provided, which must be communicated via email.

iv. Extension Charges

Course extension fees will be as per standard CFA Level 3 extension terms & conditions

v. Additional Terms for All Levels:

1. Single Extension Limit:

Extensions can only be applied once per enrollment. A second extension will require re-subscribing to the full course.

2. Non-Refundable & Non-Transferable Fees:

All extension fees are non-refundable and non-transferable under any circumstances.

3. Proof of Registration:

For any extension request, you must provide proof of registration with CFA Institute for the relevant exam window. Failure to do so will default the extension to 50% of the next available batch package fee.

4. Extension Approval:

All extension requests are subject to approval by FinTree Education Pvt. Ltd. Extensions are not guaranteed and are provided at the sole discretion of the company.

5. Policy Modification:

FinTree Education Pvt. Ltd. reserves the right to modify or update this extension policy at any time, with prior notice to enrolled students.

6. Part Payments and Payment Terms:

2-part payment is available only on selected products, as specified at the time of purchase.

Any 2-part payment plan must be completed within the stipulated time period communicated via written correspondence from FinTree.

In case of non-payment within the defined timeline, FinTree reserves the right to block access to the course. Access will be reinstated only upon receipt of the complete outstanding balance.

If the dues remain unpaid for more than 12 months from the date of last reminder, the course will be considered null and void, and the student will be required to repurchase the course at the applicable price.

Chargebacks and Disputes

You agree not to initiate chargebacks or payment disputes with your bank or payment provider without first contacting FinTree to seek resolution. Unauthorised chargebacks may result in suspension or termination of your account and access to the Platform, without prejudice to FinTree’s legal rights.

Taxes

You are responsible for payment of all applicable taxes, duties, or governmental charges arising from your purchase or use of the Educational Services, as may be required under applicable laws.

Acceptable Use, Prohibited Conduct & Limited Licence

Limited Licence

Subject to your compliance with these Terms, FinTree grants you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable licence to access and use the Platform and the Educational Services solely for your personal, non-commercial use and in accordance with these Terms.

This licence is valid only for the duration of the specific course or program in which you are enrolled, including any prescribed access period or completion timelines. Upon expiry of such timelines, or upon termination or suspension of your account for any reason whatsoever, FinTree may, at its sole discretion and without prior notice, revoke or suspend your access to the Platform and the Educational Services.

Upon expiry of the applicable course or program, or upon termination or suspension of your account for any reason whatsoever, all rights and licences granted to you under these Terms shall immediately and automatically stand revoked.

You shall thereafter have no right whatsoever to access, use, download, retain, store, copy, reproduce, distribute, transfer, transmit, share, display, perform, exploit, or rely upon the Platform, the Educational Services, or any study materials, recordings, videos, content, or other resources made available by FinTree, whether in digital or physical form, whether previously downloaded, stored, printed, saved, or otherwise retained, and whether for personal use or for any other purpose whatsoever

Upon such expiry, termination, or suspension, you shall:

Immediately cease all use of the Platform and the Educational Services;
Permanently delete and destroy all digital copies of FinTree’s content, including downloaded videos, recordings, PDFs, notes, or other materials stored on any device, cloud storage, or backup system; and
Destroy all physical copies, printouts, handwritten notes, or any other tangible reproductions derived from FinTree’s content.

You shall not retain, archive, transfer, or make available any such content in any manner whatsoever, whether directly or indirectly.

You expressly acknowledge that no ownership or proprietary rights are transferred to you under these Terms.

Any continued possession, storage, transfer, dissemination, or use of FinTree’s content after expiry, termination, or suspension shall constitute unauthorised use and infringement of FinTree’s intellectual property rights, irrespective of whether such content was obtained during the valid licence period.

Without prejudice to FinTree’s other rights and remedies under law or equity, any breach of this clause shall entitle FinTree to:

Immediate injunctive relief, including interim and permanent injunctions, to restrain unauthorised access, use, retention, or dissemination of its content;
Recovery of actual damages, statutory damages, and/or equitable relief, as may be determined by a competent court or authority; and
Recovery of costs and expenses, including reasonable legal fees, incurred in enforcing FinTree’s rights.

You acknowledge that unauthorised retention or use of FinTree’s proprietary content may cause irreparable harm for which monetary compensation alone may be inadequate.

The obligations under this clause shall survive the expiry, termination, or suspension of your account and shall continue to bind you notwithstanding cessation of access to the Platform or Educational Services.

Acceptable Use

You agree to use the Platform and Educational Services:

only for lawful purposes;
in a manner consistent with these Terms and applicable laws;
without infringing the rights of FinTree or any third party; and
without interfering with the operation, security, or integrity of the Platform.

Prohibited Conduct

You agree that you shall not, directly or indirectly:

copy, reproduce, distribute, modify, adapt, translate, display, publish, transmit, sell, license, rent, lease, or otherwise exploit any part of the Platform or Educational Services, except as expressly permitted under these Terms;
download, record, screen-capture, scrape, archive, or create derivative works from any content, lectures, materials, or assessments made available on the Platform, whether in whole or in part, without prior written consent;
share, transfer, resell, sublicense, or permit third-party access to your account, login credentials, or purchased Educational Services;
use the Platform or content for any commercial, competitive, or unlawful purpose;
attempt to circumvent, disable, or interfere with security features, access controls, digital rights management (DRM), paywalls, or usage restrictions;
introduce viruses, malware, or other harmful code, or engage in activities that disrupt, damage, or impair the Platform;
reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying structure of the Platform or any related technology;
misrepresent your identity, impersonate any person or entity, or falsely claim affiliation with FinTree;
engage in abusive, harassing, defamatory, obscene, misleading, or otherwise objectionable conduct on or through the Platform; or
violate any applicable law, regulation, or third-party rights.

Enforcement

FinTree reserves the right, at its sole discretion and without prior notice, to restrict, suspend, or terminate your access to the Platform or Educational Services, remove content, and take appropriate legal action if it reasonably believes that you have violated these Terms or engaged in prohibited conduct.

Intellectual Property Ownership

All rights, title, and interest in and to the Platform, the Educational Services, and all content made available thereon, including but not limited to software, source code, object code, databases, user interfaces, designs, text, graphics, images, audio, video, lectures, recordings, study materials, assessments, methodologies, trademarks, logos, brand names, and other proprietary information (collectively, the “FinTree Content”), are owned by or validly licensed to FinTree and are protected by applicable intellectual property laws, including copyright, trademark, patent, and trade secret laws.

Except for the limited licence expressly granted under these Terms, no rights are transferred or granted to you in respect of any FinTree Content. You acknowledge and agree that:

all intellectual property rights in the Platform and Educational Services vest exclusively with FinTree and/or its licensors;
your use of the Platform does not confer any ownership or proprietary rights; and
any unauthorised use of FinTree Content may result in civil and/or criminal liability under applicable laws.

Any trademarks, service marks, trade names, logos, or brand identifiers displayed on the Platform are proprietary to FinTree or their respective owners. Nothing contained in these Terms shall be construed as granting, by implication, estoppel, or otherwise, any licence or right to use any such intellectual property without the prior written consent of FinTree or the relevant rights holder.

You shall not copy, reproduce, distribute, modify, create derivative works from, publicly display, transmit, sell, license, or otherwise exploit any FinTree Content, in whole or in part, except as expressly permitted under these Terms or with FinTree’s prior written consent.

If the Platform permits users to submit or upload any content, materials, feedback, or communications, such submissions shall be governed by the applicable content or feedback policy, and nothing herein shall be deemed to transfer ownership of FinTree’s intellectual property to users.

You agree not to, and shall not assist or enable others to:

circumvent, disable, or otherwise interfere with any security features or technological measures implemented on the Platform or in the Educational Services to protect FinTree Content;
use any automated systems, bots, scrapers, or other methods to extract, copy, or collect data or content from the Platform in violation of these Terms or applicable laws;
engage in plagiarism by presenting FinTree’s content, courses, or materials as your own work or in any manner that violates academic or professional integrity standards;
share, resell, or redistribute access credentials, course materials, or Educational Services to unauthorized third parties;
distribute or disclose any personally identifiable information, confidential information, or proprietary content obtained from the Platform without proper authorization;
engage in any activity that compromises the privacy or security of other users or the Platform, including unauthorized access to data, accounts, or networks.

Violation of any of these provisions may result in immediate termination of your access and legal action to the fullest extent permitted by law.

User-Generated Content & Feedback Licence

User-Generated Content

Where the Platform permits you to submit, upload, post, transmit, or otherwise make available any content, materials, data, text, images, audio, video, assignments, responses, messages, comments, questions, or other information (collectively, “User Content”), you represent and warrant that:

you own or have all necessary rights, permissions, and consents to submit such User Content;
the submission and use of such User Content does not infringe any intellectual property, privacy, publicity, or other rights of any third party; and
such User Content complies with these Terms and applicable laws.

You retain ownership of your User Content. However, by submitting User Content on or through the Platform, you grant FinTree a worldwide, perpetual, irrevocable, royalty-free, non-exclusive, transferable, and sublicensable licence to host, store, use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, publicly display, and perform such User Content, solely for the purposes of:

operating, providing, maintaining, improving, and promoting the Platform and Educational Services;
internal analysis, quality control, and research;
complying with legal, regulatory, or contractual obligations; and
resolving disputes or enforcing these Terms.

FinTree shall have no obligation to review, monitor, or use any User Content and does not endorse any User Content submitted by users.

Feedback

If you provide any suggestions, ideas, feedback, reviews, ratings, or recommendations relating to the Platform or Educational Services (collectively, “Feedback”), you acknowledge and agree that:

such Feedback is provided voluntarily and without expectation of compensation;
FinTree may freely use, implement, adapt, and exploit such Feedback for any purpose, including commercial purposes, without restriction or obligation to you; and
FinTree shall own all rights, title, and interest in any improvements, enhancements, or developments derived from such Feedback.

Content Moderation and Removal

FinTree reserves the right, but not the obligation, to review, monitor, moderate, remove, or disable access to any User Content at its discretion, including where it reasonably believes such content:

violates these Terms or applicable laws;
infringes third-party rights;
is misleading, unlawful, offensive, or inappropriate; or
may expose FinTree or users to legal or reputational risk.

Suspension & Termination

FinTree reserves the right, at its sole discretion and without liability, to restrict, suspend, or terminate your access to the Platform, your user account, or any Educational Services, in whole or in part, with or without prior notice, if FinTree reasonably believes that:

you have violated or breached these Terms, any FinTree Policies, or applicable laws;
you have engaged in fraudulent, unlawful, abusive, or harmful conduct;
your use of the Platform poses a security, operational, legal, or reputational risk to FinTree or other users;
information provided by you is false, misleading, inaccurate, or incomplete; or
such action is required to comply with legal, regulatory, or governmental orders.

FinTree may also suspend or terminate access to specific features, content, courses, or Educational Services for operational, technical, maintenance, or business reasons, with or without notice.

Upon suspension or termination:

your right to access or use the Platform and Educational Services shall immediately cease;
any licences granted to you under these Terms shall automatically terminate;
FinTree may disable or delete your account and associated data in accordance with its data retention policies and applicable law; and
any outstanding payment obligations shall remain payable and due.

Unless expressly stated otherwise under an applicable refund policy, no refunds, credits, or reimbursements shall be provided for any suspension or termination resulting from your breach of these Terms.

Termination of these Terms shall not affect any rights or obligations which by their nature are intended to survive, including provisions relating to intellectual property, limitation of liability, indemnity, governing law, and dispute resolution.

Disclaimer of Warranties

The Platform and the Educational Services are provided on an “as is” and “as available” basis, without warranties of any kind, whether express, implied, statutory, or otherwise.

To the fullest extent permitted under applicable law, FinTree disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, non-infringement, uninterrupted access, error-free operation, or suitability of the Platform or Educational Services for any specific objective or outcome.

FinTree does not guarantee or warrant any particular learning outcomes, academic results, certification, professional qualification, or commercial benefit from use of the Platform or Educational Services. Any reliance on the Platform or Educational Services is at your own risk.

FinTree does not warrant or represent that:

the Platform or Educational Services will be uninterrupted, timely, secure, or error-free;
any defects, errors, or omissions will be corrected;
the Platform or any servers, networks, or systems are free from viruses, malware, or other harmful components; or
use of the Platform will result in any specific outcome.

Third-Party Services and Infrastructure

The Platform may rely on or integrate with third-party service providers, including but not limited to cloud hosting services, content delivery networks, video-conferencing tools, learning management systems, payment gateways, analytics providers, communication tools, and other technology or infrastructure providers.

FinTree does not control and shall not be responsible or liable for:

the availability, performance, security, or reliability of such third-party services;
any interruption, delay, failure, data loss, or breach arising from or attributable to such third-party providers; or
any acts, omissions, or defaults of such third-party service providers.

Your use of third-party services accessed through the Platform may be subject to separate terms and policies imposed by such third parties, and FinTree makes no representations or warranties with respect to such services.

No Professional or Regulated Advice

Any content or Educational Services relating to financial education, investment awareness, or allied topics are provided solely for educational and informational purposes and do not constitute professional, financial, investment, legal, or regulatory advice. Users should seek independent professional advice before making any decisions based on such content.

Third-Party Trademarks and Disclaimers

FinTree is a CFA Institute Prep Provider. Only CFA Institute Prep Providers are permitted to make use of CFA Institute copyrighted materials which are the building blocks of the exam. FinTree is also required to create / use updated materials every year and this is validated by CFA Institute.

CFA Institute does not endorse, promote, review or warrant the accuracy or quality of the product and services offered by FinTree. CFA Institute®, CFA® and “Chartered Financial Analyst®” are trademarks owned by CFA Institute.

Similarly, the Global Association of Risk Professionals (“GARP”) does not endorse, promote, review, or warrant the accuracy or quality of any products, services, or information related to GARP exams offered by FinTree. GARP also does not endorse any pass rates or outcomes claimed by FinTree.

Further, GARP is not responsible for any fees or costs paid by users to FinTree, nor for any fees or costs of any person or entity providing services to FinTree.

SCR®, FRM®, GARP®, and Global Association of Risk Professionals™ (in both standard character and stylized forms) are trademarks owned by the Global Association of Risk Professionals, Inc.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINTREE EDUCATION PRIVATE LIMITED, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH:

ERRORS, MISTAKES, OR INACCURACIES IN USER CONTENT OR ANY OTHER CONTENT AVAILABLE ON OR THROUGH THE PLATFORM;
PERSONAL INJURY, PROPERTY DAMAGE, OR ANY OTHER LOSS ARISING FROM YOUR ACCESS TO OR USE OF THE PLATFORM OR EDUCATIONAL SERVICES;
UNAUTHORIZED ACCESS TO OR USE OF SECURE SERVERS OR ANY PERSONAL, FINANCIAL, OR OTHER INFORMATION STORED THEREIN;
INTERRUPTION, CESSATION, OR FAILURE OF TRANSMISSION TO OR FROM THE PLATFORM;
ANY BUGS, VIRUSES, TROJAN HORSES, OR OTHER HARMFUL COMPONENTS THAT MAY BE TRANSMITTED TO OR THROUGH THE PLATFORM BY ANY THIRD PARTY;
ERRORS OR OMISSIONS IN ANY USER CONTENT OR OTHER CONTENT, OR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF YOUR USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE PLATFORM;
ANY CONDUCT OR CONTENT OF THIRD PARTIES ON OR THROUGH THE PLATFORM, INCLUDING DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT;

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT FINTREE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WE UNDERSTAND THAT IN SOME JURISDICTIONS, CERTAIN WARRANTIES, DISCLAIMERS, OR CONDITIONS MAY BE IMPLIED BY LAW AND CANNOT BE EXCLUDED OR LIMITED. TO THE EXTENT THAT THIS IS APPLICABLE IN YOUR JURISDICTION, FINTREE’S LIABILITY UNDER SUCH WARRANTIES OR CONDITIONS SHALL BE LIMITED, AT FINTREE’S SOLE DISCRETION, TO EITHER:

SUPPLYING THE PLATFORM OR EDUCATIONAL SERVICES AGAIN; OR
THE COST OF HAVING THE PLATFORM OR EDUCATIONAL SERVICES SUPPLIED AGAIN.

THE PLATFORM IS CONTROLLED AND OPERATED BY FINTREE FROM ITS FACILITIES IN INDIA. FINTREE MAKES NO REPRESENTATION THAT THE PLATFORM OR EDUCATIONAL SERVICES ARE APPROPRIATE OR AVAILABLE FOR USE IN OTHER LOCATIONS. IF YOU ACCESS OR USE THE PLATFORM FROM OUTSIDE INDIA, YOU DO SO VOLUNTARILY AND ARE RESPONSIBLE FOR COMPLIANCE WITH LOCAL LAWS.

THE TOTAL AGGREGATE LIABILITY OF FINTREE, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR RELATING TO YOUR USE OF THE PLATFORM OR THESE TERMS SHALL NOT EXCEED THE AMOUNT PAID BY YOU, IF ANY, TO FINTREE FOR ACCESS TO OR USE OF THE SPECIFIC EDUCATIONAL SERVICES GIVING RISE TO SUCH LIABILITY IN THE SIX (6) MONTHS PRECEDING THE EVENT.

Confidentiality and Data Privacy

Your privacy and the confidentiality of your information are important to FinTree. By using the Platform and Services, you acknowledge and agree that any personal data you provide will be collected, processed, stored, and used in accordance with FinTree’s Privacy Policy, which is incorporated by reference into these Terms.

The Privacy Policy explains in detail:

the types of personal information collected;
how such information is used, shared, and protected;
your rights regarding your personal data; and
the security measures FinTree employs to safeguard your information.

You agree to review the Privacy Policy periodically to stay informed of any updates or changes.

FinTree commits to maintaining reasonable administrative, technical, and physical safeguards designed to protect the confidentiality, integrity, and availability of your personal information in accordance with applicable data protection laws and regulations.

You shall keep confidential any non-public information obtained through your use of the Platform and shall not disclose such information to any third party unless required by law or with FinTree’s prior written consent.

If you have any questions or concerns regarding your privacy or data security, please refer to the Privacy Policy or contact FinTree through the communication channels provided on the Platform.

Indemnity

You agree to indemnify, defend, and hold harmless FinTree, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, demands, liabilities, damages, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or related to:

your use of or access to the Platform and Educational Services;
your violation or breach of these Terms or any FinTree Policies;
your violation of any applicable law, regulation, or third-party right, including intellectual property rights or privacy rights;
any User Content you submit, upload, or transmit on or through the Platform;
your negligent or willful misconduct; or
any dispute or issue arising between you and other users of the Platform.

FinTree reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You agree to cooperate fully with FinTree in the defence of any such claim.

This indemnity obligation will survive the termination or expiration of these Terms.

Force Majeure

FinTree shall not be liable for any failure or delay in performing its obligations under these Terms to the extent such failure or delay is caused by events beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, governmental actions, epidemics or pandemics, civil unrest, strikes, power outages, floods, fires, unusually severe weather, or any other similar force majeure events.

Compliance with Information Technology Laws

These Terms are published in accordance with applicable provisions under the Information Technology (Intermediary Guidelines) Rules, 2011, and other relevant laws.

You agree not to post or transmit any information or content that is malicious, defamatory, obscene, pornographic, unlawful, or otherwise objectionable, including but not limited to material that:

infringes intellectual property rights or other proprietary rights;
is harmful, threatening, abusive, hateful, or discriminatory; or
attacks or maligns any individual, group, institution, or entity.

FinTree reserves the right to remove any such content without prior notice. The IP address of all posts and submissions may be recorded to assist in enforcing these policies and complying with legal obligations.

Electronic Communications

By using the Platform and Services, you consent to receive electronic communications from FinTree, including notices, agreements, disclosures, and other communications related to your use of the Platform.

These communications may be provided via email, push notifications, SMS, or by posting on the Platform.

You agree that all agreements, notices, disclosures, and other communications that FinTree provides electronically satisfy any legal requirement that such communications be in writing.

Governing Law & Dispute Resolution

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

Any dispute, controversy, or claim arising out of or relating to these Terms, including the breach, termination, or validity thereof, shall be resolved as follows:

The parties agree to resolve any such dispute exclusively through arbitration under the provisions of the Indian Arbitration and Conciliation Act, 1996, or any statutory modification or re-enactment thereof (“Arbitration Act”). The seat and venue of arbitration shall be Pune, Maharashtra, India. The arbitration shall be conducted by a sole arbitrator mutually appointed by the parties. If the parties fail to agree on the arbitrator within 30 days from the notice of arbitration, the arbitrator shall be appointed in accordance with the Arbitration Act. The arbitration proceedings and award shall be conducted and rendered in the English language.
Notwithstanding the arbitration clause, the parties agree that the courts in Pune, Maharashtra, India, shall have exclusive jurisdiction to entertain any action or proceeding arising out of or in connection with these Terms, to the extent such jurisdiction is necessary for the enforcement of the arbitration award or interim relief.
You hereby irrevocably waive any objection to the venue or jurisdiction of the courts in Pune and agree not to seek to transfer or challenge jurisdiction in any other court or forum.

Severability, Notices, Access & Miscellaneous

If any provision of these Terms is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, such provision shall be deemed severable and shall not affect the validity, legality, or enforceability of the remaining provisions.

Any notice required or permitted to be given under these Terms shall be in writing and sent to FinTree’s registered office address or communicated electronically as provided on the Platform.

Headings used in these Terms are for convenience and reference only and shall not affect the interpretation or construction of the provisions.

FinTree’s failure to enforce any right or remedy under these Terms shall not be deemed a waiver of such right or remedy nor prevent FinTree from enforcing it subsequently.

Nothing contained in these Terms shall be deemed or construed to create any partnership, joint venture, employment, agency, fiduciary, or representative relationship between FinTree and any user.

In the event of any inconsistency or conflict between these Terms and any additional or specific terms applicable to a particular course, program, service, or feature offered on the Platform, such specific terms shall prevail, unless expressly stated otherwise.