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Terms of Use

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Terms of Use

  1. Introduction

THESE TERMS OF USE (“TERMS”) BIND YOU, THE COMPANY YOU REPRESENT, AND THE COMPANY THAT REGISTERED YOU (COLLECTIVELY “YOU”) TO THE TERMS AND CONDITIONS SET FORTH HEREIN IN CONNECTION WITH YOUR USE OF FINTREE’S (“OUR”, “WE”, “US”, OR “FINTREE”) SOFTWARE, WEBSITE, MOBILE APPLICATIONS OR CONNECTED APPLICATIONS, SERVICES OR OTHER OFFERINGS ON OUR WEBSITE (COLLECTIVELY, OUR “SERVICES”). BY USING ANY OF THE FINTREE SERVICES OR CLICKING ON THE “SIGNUP” BUTTON, YOU AGREE TO BECOME BOUND BY THE TERMS. IF YOU DO NOT AGREE TO ALL THESE TERMS, CLICK ON THE “X” BUTTON AND DO NOT USE THE FINTREE SERVICES. FINTREE’S ACCEPTANCE IS EXPRESSLY CONDITIONED UPON YOUR ASSENT TO ALL THESE TERMS, TO THE EXCLUSION OF ALL OTHER TERMS. IF THESE TERMS ARE CONSIDERED AN OFFER BY FINTREE, ACCEPTANCE IS EXPRESSLY LIMITED TO THESE TERMS.

Pre-arbitration clause:

IMPORTANT: BY AGREEING TO THESE TERMS YOU AGREE TO RESOLVE DISPUTES WITH FINTREE THROUGH BINDING ARBITRATION (AND WITH VERY LIMITED EXCEPTIONS, NOT IN COURT)

All capitalized terms used and not otherwise defined herein shall have the meaning ascribed to them in FinTree’s Privacy Policy (“Privacy Policy”).

  1. Important Terms of Use
    1. No refunds will be provided under any circumstances on any package or courses purchased from FinTree Education Pvt. Ltd.
    2. We do not have an option of freezing the access to the course or switching from one course to another.
    3. Access to the course will be disabled by the System after the expiration of the subscription/after the exam is over to which your subscription is valid without any prior notice
    4. 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.
    5. 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.
    6. 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.
    7. There is no option of downgrading your program or the validity of your program.
    8. 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 a non-immediate exam window , the extension fee will be 50% of the price of the selected package. Proof of registration with the CFA Institute for the respective exam window is mandatory.

      CFA Level 2:

      Immediate Exam Window Extension:

      1. 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.

      1. 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.
      2. 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:

      • If you wish to extend to a non-immediate exam window, the fee will be 50% of the next batch package. Proof of registration with CFA Institute is mandatory.

      CFA Level 3:

      Any Exam Window Extension:

      1. 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.
      2. Upgrade to Higher Package:
        Should you wish to upgrade to a higher package, the difference in price must be paid.

      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.

        Additional Agreements

Any personal information submitted in connection with Your use of the Services is subject to Our Privacy Policy, which is hereby incorporated by reference into these Terms.

  1. General

Our Services enable students (“Students”) to connect with Learning Management System (the “LMS”, collectively with Students, the “Users”) which provide access to the video tutorials recorded live in the class, tutoring, and learning services (the “Courses”) via Our Services. The Services include, without limitation, facilitating and hosting Courses and supporting materials, and taking feedback from Users.

From time to time, We may update these Terms to clarify our practices or to reflect new or different practices, such as when We add new features, and FinTree reserves the right in its sole discretion to modify and/or make changes to these Terms at any time. If We make any material change to these Terms, We will notify You using prominent means such as by email notice sent to the email address specified in Your Account or by posting a notice through Our Services. Modifications will become effective on the day they are posted unless stated otherwise.

Your continued use of Our Services after changes become effective shall mean that You accept those changes. You should visit the Services regularly to ensure You are aware of the latest version of the Terms, as any revised Terms shall supersede all previous Terms.

FinTree may modify the Services or discontinue their availability at any time. You are solely responsible for all service, telephony, data charges and/or other fees and costs associated with Your access to and use of the Services, as well as for obtaining and maintaining all telephone, computer hardware, and other equipment required for such access and use.

If You elect to access or use Our Services that involve payment of a fee, then You agree to pay, and will be responsible for payment of, that fee and all taxes associated with such access or use. If You provide credit card information to pay for such fees then You hereby represent and warrant that You are authorized to supply such information and hereby authorize FinTree to charge Your credit card on a regular basis to pay the fees as they are due.

If Your payment method fails or Your Account is past due, then We may collect fees owed using other collection mechanisms. This may include charging other payment methods on file with Us and/or retaining collection agencies and legal counsel. We may also block Your access to any Services pending resolution of any amounts due by You to FinTree.

All of Your use, access and other activities relating to the Services must be in

compliance with all applicable laws and regulations, including, without limitations, laws relating to copyright and other intellectual property use, and to privacy and personal identity. Further, access to Our Services from territories where their contents are illegal is prohibited. Those who choose to access or use the Services from locations outside of India do so at their own initiative and are responsible for compliance with all local rules including, without limitation, rules about the internet, data, e-mail, or privacy. You further agree to comply with all applicable laws regarding the transmission of technical data exported from the country in which You reside. If You use the Services or Third Party Platforms (as defined in the next section) from countries outside of India You must agree to abide by all local rules regarding online conduct and acceptable content.

  1. General Disclaimer

The Services provided are only for Students

We do not guarantee in any manner the reliability, validity, accuracy Course Content. For the certification courses we do not guarantee the duration of the course or completion time 

The Services may give You access to links to third-party platforms (“Third Party Platforms”), either directly or through Courses. FinTree does not endorse any of these Third Party Platforms and does not control them in any manner.

Accordingly, FinTree does not assume any liability associated with Third Party Platforms. You need to take appropriate steps to determine whether accessing a Third Party Platform is appropriate, and to protect Your personal information and privacy on such Third Party Platform.

  1. Conduct

You may only access the Services for lawful purposes. You are solely responsible for the knowledge of and adherence to any and all laws, rules, and regulations pertaining to Your use of the Services. You agree not to use or copy the Services or the Content to train potential users without Our advance written permission, which may be withheld in Our sole discretion. You assume any and all risks from such activities.

  1. Obligations of Students

As a Student, You represent, warrant and covenant that:

  • You have read, understood, and agree to be bound by the pricing information (see the Pricing section below) before using the Services or registering for a Course.
  • You will not upload, post or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes or any other form of solicitation (commercial or otherwise) through the Services.
  • You will not post or provide any inappropriate, offensive, racist, hateful, sexist, pornographic, false, misleading, incorrect, infringing, defamatory or libelous content or information.
  • You will not copy, modify, reverse engineer, reproduce, distribute, publicly display, publicly perform, communicate to the public, create derivative works from, deface, tarnish, mutilate, hack, interfere with, or otherwise use and exploit any Company Content, the Services or

Courses or Submitted Content except as permitted by these Terms or the relevant Instructor as applicable.

  • You will not frame or embed the Services to circumvent the Services.
  • You will not impersonate another person or gain unauthorized access to another person’s Account.
  • You will not introduce any virus, worm, spyware or any other computer code, file or program that may or is intended to damage or hijack the operation of any hardware, software or telecommunications equipment, or any other aspect of the Services or operation thereof; scrape, spider, use a robot or other automated means of any kind to access the Services.
  1. Registration

To use certain Services, You will need to register and obtain an account and password. When You register, the information You provide to Us during the registration process will help Us in offering content, customer service, network management and other services. You are solely responsible for maintaining the confidentiality of Your account, Username, and password (collectively, Your “Account”) and for all activities associated with or occurring under Your Account. You represent and warrant that Your Account information will be accurate at all times. You must notify Us (a) immediately of any unauthorized use of Your Account and any other breach of security, and (b) ensure that You exit from Your Account at the end of each use of the Services. To the extent permissible under applicable law, we cannot and will not be responsible for any loss or damage arising from Your failure to comply with the foregoing requirements or as a result of use of Your Account, either with or without Your knowledge, prior to Your notifying Us of unauthorized access to Your Account. You may not transfer Your Account to any other person and You may not use anyone else’s Account at any time without the permission of the Account holder.

  1. Content, Licenses & Permissions

All software, technology, designs, materials, information, communications, text, graphics, links, electronic art, animations, illustrations, artwork, audio clips, video clips, photos, images, reviews, ideas, and other data or copyrightable materials or content, including the selection and arrangements thereof is “Content.” Where FinTree provides Content to You in connection with the Services, including, without limitation, the software, the products, and the site, it is “Company Content”. Content remains the proprietary property of the FinTree and is protected, without limitation, pursuant to India and foreign copyright and other intellectual property laws..

FinTree hereby grants You (as a User) a limited, non-exclusive, non-transferable license to access and use Company Content, for which You have paid all required fees, solely for Your personal, non- commercial, educational purposes through the Services, in accordance with these Terms and any conditions or restrictions associated with particular Courses or Services. All other uses are expressly prohibited absent Our express written consent. You may not reproduce, redistribute, transmit, assign, sell, broadcast, rent, share, lend,

modify, adapt, edit, create derivative works of, license, or otherwise transfer or use any Submitted Content or Company Content unless We give You explicit permission to do so. Company Content is licensed, and not sold, to You Notwithstanding the foregoing, We reserve the right to revoke this license to access and use Company Content granted to You as described above FINTREE RESPECTS ALL COPYRIGHT, PRIVACY, DEFAMATION AND OTHER LAWS RELATING TO CONTENT AND INFORMATION AND WILL NOT TOLERATE VIOLATION OF SUCH LAWS.

You may decide to send us unsolicited ideas, including ideas for new promotions, products, services, applications, technologies or processes or other ideas (collectively, “User Ideas”). You must not transmit any User Ideas to or through the Services or Third Party Platforms, or to Us through e-mail, that You consider to be confidential or proprietary. You agree that We shall not be required to treat any User Ideas as being confidential or proprietary. You are responsible and liable for any User Ideas You submit. You agree that by submitting User Ideas to Us, including any concepts, know-how or ideas, You hereby grant Us a perpetual, worldwide, non-exclusive, royalty-free, sub- licensable and transferable license to use, reproduce, distribute, sell, exploit, prepare derivative works of and display the User Ideas in connection with the Services, and for FinTree’s (and its successor’s) business, including without limitation, for promoting and redistributing part or all of the User Ideas (and derivative works thereof) in any media formats and through any media channels whether now known or hereafter developed, without payment or accounting to You or others. We are under no obligation to evaluate, review, or use any User Idea.

By submitting our webform, you agree to receive promotional calls on the number shared, and such calls and SMS would be coming from a third party platform.

  1. Pricing, Payment & Taxes
  • Pricing.

Pricing of FinTree Courses is determined in accordance with the terms set forth in Our Pricing and promotion policy. If You are a Student, You agree to pay the fees for Courses that You purchase. If because of any technical reason or problem with Payment Gateway server or Your Banker or credit card issuing bank is declined, You agree to pay Us the fees within 2 days of notification from Us.

  • Payment.

All payments are made to FinTree Education Pvt. Ltd.

By purchasing Courses (e.g. clicking or tapping the relevant purchase button), You are confirming that You want the Course immediately credited to Your Account and that by doing so You are hereby waiving any and all cancellation rights under applicable laws.

  • Taxes.

All applicable taxes are included in the quoted price

  • Refunds.

No refunds will be provided under any circumstances on any package or courses purchased from FinTree Education Pvt. Ltd.

Please note that if We believe that You are abusing any of Our policies in Our sole discretion, We reserve the right to suspend or terminate Your Account and refuse or restrict any and all current or future use of the Services, without any liability to You.

  1. Trademarks

The trademarks, service marks, and logos (the “Trademarks”) used and displayed through Our Services or in any Company Content are Our registered or unregistered Trademarks or of Our suppliers or third parties and are protected pursuant to India and foreign trademark laws. All rights are reserved and You may not alter or obscure the Trademarks, or link to them without Our prior approval.

  1. Warranty Disclaimer

THE SERVICES, COMPANY CONTENT, SUBMITTED CONTENT, COURSES, AND ANY OTHER MATERIALS MADE AVAILABLE ON OR THROUGH THE USE OF THE SERVICES ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, FINTREE AND ITS AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS, SPONSORS AND AGENTS, DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES OF TITLE, NON- INFRINGEMENT, ACCURACY, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES THAT MAY ARISE FROM COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE. FINTREE AND ITS AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS, SPONSORS, AND AGENTS DO NOT WARRANT THAT YOUR USE OF THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES, THE SUBMISSIONS, THE SERVER(S) ON WHICH THE SERVICES ARE HOSTED, OR ANY SERVICES AVAILABLE ON ANY THIRD PARTY PLATFORM ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NO OPINION, ADVICE OR STATEMENT OF FINTREE OR ITS AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS, SPONSORS, AGENTS, MEMBERS OR VISITORS, WHETHER MADE THROUGH THE USE OF THE SERVICES, OR ON THIRD PARTY PLATFORMS OR OTHERWISE, SHALL CREATE ANY WARRANTY. YOUR USE OF THE SERVICES, INCLUDING WITHOUT LIMITATION ANY SERVICES PROVIDED ON ANY THIRD PARTY PLATFORM, ARE ENTIRELY AT YOUR OWN RISK.

  1. Limitation of Liability

NEITHER FINTREE NOR ANY OF OUR SUBSIDIARIES, AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS OR SPONSORS, NOR OUR OR THEIR DIRECTORS, OFFICERS, EMPLOYEES, CONSULTANTS, AGENTS OR OTHER REPRESENTATIVES, ARE RESPONSIBLE OR LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES (INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS, LOSS OF DATA OR LOST PROFITS), UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THE SERVICES AND/OR MATERIALS, INCLUDING ANY MATERIALS AVAILABLE THROUGH ANY THIRD PARTY PLATFORM,

SUBMISSIONS, ANY LINKED WEBSITES OR ANY CODE, PRODUCT OR SERVICE PURCHASED, ACCESSIBLE OR USABLE THROUGH THE SERVICES OR ANY THIRD PARTY PLATFORM. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICES, MATERIALS, INCLUDING ANY PRODUCTS OR SERVICES AVAILABLE THROUGH ANY THIRD PARTY PLATFORM, SUBMISSIONS OR ANY LINKED WEBSITES IS TO STOP USING THE SERVICES, MATERIALS, SUBMISSIONS, PRODUCTS, OR LINKED WEBSITES, AS APPLICABLE. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO FINTREE FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING WITHOUT LIMITATION, NEGLIGENCE) OR OTHERWISE, SHALL BE THE TOTAL AMOUNT PAID BY YOU TO FINTREE IF ANY, TO ACCESS OR USE THE SERVICES. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. NO COMMUNICATION OF ANY KIND BETWEEN YOU AND FINTREE OR A REPRESENTATIVE OF FINTREE CONSTITUTES A WAIVER OF ANY LIMITATIONS OF LIABILITY HEREUNDER OR CREATE ANY ADDITIONAL WARRANTY NOT EXPRESSLY STATED IN THE TERMS. MULTIPLE CLAIMS WILL NOT INCREASE THE MONETARY DAMAGES LIMIT STATED HEREIN. YOU AGREE THAT THE DAMAGE EXCLUSIONS IN THESE TERMS OF USE SHALL APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

Inaccuracy: A possibility exists that the Services provided on any Third Party Platform could include inaccuracies or errors, or information or materials that violate these Terms. Additionally, a possibility exists that unauthorized alterations could be made by third parties to the Services available on any Third Party Platform. Although FinTree attempts to ensure the integrity of the Services on Third Party Platforms, we make no guarantees as to the Services’ completeness or correctness. In the event that a situation arises in which the Services’ completeness or correctness is in question, please submit a request to admin@fintreeindia.com (with the subject line “Inaccuracies in Services on Third Party Platform Name”) with, if possible, a description of the Services to be checked and the location (URL) where such Services can be found on Our Services or Third Party Platform at issue, as well as information sufficient to enable Us to contact You. We will try to address Your concerns as soon as reasonably practicable

System Outages: FinTree periodically schedules system downtime for the Services for maintenance and other purposes. Additionally, unplanned system outages may occur. You agree that FinTree has no responsibility and is not liable for:

  1. the unavailability of the Services including those available on Third Party Platforms;
  1. any loss of materials, data, transactions or any other information or materials caused by such system outages; (c) the resultant delay, mis-delivery, or non-delivery of data, transactions or any other information or materials caused by such system outages; or

(d) any outages caused by any third parties, including without limitation, any companies or servers hosting the Services, any Internet service providers, any

Third Party Platforms, or any Internet facilities and networks.

  1. Indemnification

You hereby indemnify, defend and hold harmless FinTree, and its affiliates, officers, directors, agents, partners, employees, licensors, representatives and third party providers from and against all reasonably foreseeable losses, expenses, damages, costs, claims and demands, including reasonable attorneys’ fees and related costs and expenses, due to or arising out of Your breach of any representation or warranty hereunder. We reserve the right, at Our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by You under this Section, and in such case, You agree to fully cooperate as reasonably required with such defense and in asserting any available defenses.

Statute of Limitations: Any claim or cause of action arising out of or related to use of the Services, the Terms, or any services or information available through Third Party Platforms, must be filed within 1 year after such claim or cause or action arose regardless of any statutes or law to the contrary. In the event any such claim or cause of action is not filed within such 1-year period, such claim or cause of action are forever barred.

  1. Termination

FinTree reserves the right to terminate, suspend, modify, or delete, at Our sole discretion, any Company Content, Courses, or any Service; and Your access to Our Services or Your Account, as follows:

If You breach or violate any of these Terms or any of Our applicable policies, as posted on Our Services from time to time, FinTree may take action immediately without prior notice to You. If We take action pursuant to this section, We shall not have any liability to You for any Course(s) You may have purchased nor for any other use of Our Services associated with Your Account. For avoidance of any doubt, You understand and agree that You will not be compensated nor be eligible for any refund under any circumstances for any such access lost to Our Services, including without limitation to Course(s) You may have purchased;

  1. Electronic Notices

By using Our Services or communicating with FinTree, You agree that FinTree may communicate with You electronically regarding security, privacy, and administrative issues relating to Your use of the Services or these Terms. If FinTree learns of a security system’s breach, FinTree may attempt to notify You electronically by posting a notice through the Services or sending an email to You.

  1. Miscellaneous

Entire Agreement: These Terms and any policies applicable to You posted on Our Services constitute the entire agreement between the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter.

Severability: If any provision of these Terms is found to be illegal, void or unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions of these Terms.

Waiver: A provision of these Terms may be waived only by a written instrument

executed by the party entitled to the benefit of such provision. The failure of FinTree to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision.

Notice: Any notice or other communication to be given hereunder will be in writing and given by facsimile, postpaid registered or certified mail return receipt requested, or electronic mail.

No Agency: Nothing in these Terms shall be construed as making either party the partner, joint venture, agent, legal representative, employer, contractor or employee of the other. Neither FinTree nor any other party to these Terms shall have, or hold itself out to any third party as having, any authority to make any statements, representations or commitments of any kind, or to take any action that shall be binding on the other except as provided for herein or authorized in writing by the party to be bound.

Governing Laws: These Terms and Your use of the Services shall be governed by the substantive laws of the Government of India without reference to its choice or conflicts of law principles that would require the application of the laws of another jurisdiction, and shall be considered to have been made and accepted in the India.