1. Introduction
Welcome to Virginia Institute of Finance’s e-learning platform (the "Site"). These Terms and Conditions ("Terms") govern your access to and use of our Site and services provided herein. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use the Site.
2. Modifications to the Terms
We reserve the right to update or modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting on the Site. Your continued use of the Site following any modifications signifies your acceptance of the updated Terms.
3. Eligibility
By using the Site, you represent that you are at least 18 years old or have reached the age of majority in your jurisdiction, and that you have the legal capacity to enter into these Terms. If you do not meet these requirements, please refrain from using the Site.
4. User Accounts and Security
- Registration: In order to access certain features of the Site, you may be required to register for an account. When registering, you agree to provide accurate, current, and complete information.
- Account Responsibility: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Notify us immediately if you suspect any unauthorized use of your account.
5. Course Enrollment, Payments, and Refunds
- Course Enrollment: Enrollment in courses or webinars is subject to availability and may require payment. The details, pricing, and any prerequisites are described on the relevant course pages.
- Payment: Payments for courses are processed securely. By making a purchase, you agree to pay the full price listed for the course and any applicable taxes.
- Refunds: Refund policies, if applicable, are provided separately on our Refund Policy page or during the enrollment process. Please review these policies carefully before enrolling.
6. Intellectual Property
- Ownership: All content on the Site, including text, graphics, logos, images, videos, and course materials, is the property of Virginia Institute of Finance or its licensors and is protected by applicable intellectual property laws.
- Limited License: We grant you a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes only, subject to these Terms. You may not reproduce, distribute, or create derivative works without our express written permission.
7. Use of the Site and Prohibited Conduct
You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the Site. Prohibited activities include, but are not limited to:
- Violating any applicable laws or regulations.
- Interfering with or disrupting the operation of the Site.
- Uploading or transmitting any content that is unlawful, harmful, or objectionable.
- Attempting to gain unauthorized access to any portion of the Site or its related systems or networks.
8. User Content
- Submission: You may have the opportunity to submit reviews, testimonials, or other content ("User Content") to the Site. By submitting User Content, you grant Virginia Institute of Finance a non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, modify, and display such content.
- Responsibility: You are solely responsible for the User Content you submit and must ensure that it does not violate these Terms or infringe upon the rights of any third party.
9. Disclaimers and Limitation of Liability
- Disclaimer: The Site and all content, courses, and services provided are offered "as is" without any warranties, express or implied. We do not guarantee the accuracy, completeness, or reliability of any information provided.
- Limitation of Liability: In no event shall Virginia Institute of Finance, its affiliates, or its licensors be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of the Site, even if advised of the possibility of such damages. Our total liability shall not exceed the amount paid by you, if any, for accessing the Site or services.
10. Indemnification
You agree to indemnify, defend, and hold harmless Virginia Institute of Finance, its affiliates, and its employees from and against any claims, liabilities, damages, losses, and expenses, including legal fees and costs, arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your infringement of any rights of another.
11. Termination
We reserve the right to terminate or suspend your access to the Site, without notice, for conduct that we believe violates these Terms or is harmful to other users or our business interests. Upon termination, your right to use the Site will immediately cease.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Virginia Institute of Finance operates, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in that jurisdiction.
13. Severability
If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.
14. Entire Agreement
These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Virginia Institute of Finance regarding your use of the Site and supersede all prior agreements or understandings, whether written or oral.
15. Contact Information
If you have any questions or concerns about these Terms, please contact us at:
Email: [[email protected]]