Website and Course Terms
Updated October 8, 2026
These terms govern use of Fincisely’s website and individual online course, provided by Marina Karpova, doing business as Fincisely. Contact: hello@fincisely.com.
Who enrolls
The course is designed for students ages 13–19. A parent or legal guardian must enroll and authorize participation for a student under 18. An adult student may enroll themselves. The person accepting these terms confirms that they are at least 18 and have authority to enter this agreement. We do not offer accounts to children under 13. Please use accurate information and notify us if account details change.
Enrollment, payment, and access
Submitting the enrollment form is a request for enrollment, not confirmation of payment or access. Our customer support will contact you with the next steps. The price and any applicable charges are disclosed before payment. No payment is collected on the current enrollment page. Invited pilot access is free where confirmed by Fincisely. Paid accounts are activated after payment is verified. Individual access lasts nine calendar months from the first account activation, with the expiration date stated in the welcome email. Completing the course, changing a password, or accepting updated policies does not restart or extend that period. There is no automatic renewal.
Individual learning license
Each enrollment permits one student to use the course for personal learning during the access period. The student may download or print materials expressly offered for that purpose. Account credentials, course content, and downloads may not be shared with other students, resold, republished, commercially reused, or used to create a competing product without written permission. A parent or guardian may help their enrolled child use the account. School, instructor, group, and organization use requires a separate written license; sending a group request does not grant that license.
Responsible use
Keep the password secure and tell us promptly about suspected unauthorized access. Do not upload sensitive personal or financial information, impersonate others, bypass access controls, scrape or bulk-copy course content, introduce malicious code, or interfere with the service. We may restrict access for security, unlawful use, or a material breach. Where reasonably possible, we will explain the reason and allow you to resolve it. This does not remove any rights or refunds required by law.
Learning outcomes and certificates
The course is self-paced and module times are estimates. Learning outcomes depend on participation; we do not guarantee financial results, grades, employment, or admission. A completion certificate confirms completion under the course requirements. It is not an accredited qualification, professional license, or guarantee of competence.
Educational content and disclosures
Our material provides general financial education, not personal financial, investment, tax, legal, insurance, or credit advice. Examples and calculations are illustrative. Laws, rates, products, and official forms change; check current reliable sources before acting. References to curriculum guides or public agencies describe sources informing the course and do not mean those organizations approve, endorse, certify, or accredit Fincisely. Read the Educational Disclaimer for more information.
Privacy and communications
Our Privacy Policy describes data handling. For a minor’s account, necessary account and course communications are sent to the registered parent or guardian and can include progress and quiz results. Adult students use their own registered email. Marketing is a separate optional choice. Do not treat course reflection tools as secure storage for financial records; save or print any permitted work you want to keep.
Refunds
For individual paid enrollment, you may request a full refund within 24 hours after the first account activation. You may also request a refund before activation. Send the request to hello@fincisely.com from the registered email, with enough information to identify the enrollment. The timestamp of your request determines whether it is within the window; our reply need not occur within that window. No reason is required. Refunded course access ends. After that window, refunds remain available where required by law or an express written offer. Free pilot access has no payment to refund. Separate written terms apply to workshops, consultations, printed products, and group licenses.
Service availability and changes
You need a compatible browser and internet connection. Essential cookies are needed to stay signed in. We maintain the course but cannot promise uninterrupted availability. Tell us about access problems so we can help. We may correct or update content and features. If we discontinue paid access before the promised end date and cannot provide a reasonable equivalent, we will offer a refund for the unused portion; any stronger legal rights remain intact.
Intellectual property and articles
Fincisely’s original course materials, articles, and branding are protected by intellectual property law. Third-party materials remain their owners’ property. A published article’s reuse notice allows sharing or reproduction unchanged for personal or noncommercial educational purposes with credit to Fincisely and a link to the original article. That permission does not extend to paid course materials. Contact hello@fincisely.com for commercial reuse, adaptations, or licensing.
Responsibility and consumer rights
You remain responsible for real-world financial choices. Nothing in these terms excludes liability that cannot legally be excluded, restricts a mandatory consumer right, or excuses fraud, intentional misconduct, or other conduct for which a limitation is prohibited. Contact us first about a concern so we can try to resolve it. These terms do not require arbitration or waive your right to pursue remedies available under applicable law.
Updates and contact
We display the current version date and retain acceptance records for course accounts. Material changes will be communicated through the service or registered email, with renewed acceptance where appropriate. Changes do not retroactively reduce a paid access period or statutory rights. Contact Marina Karpova, doing business as Fincisely, at hello@fincisely.com.