Terms of Use

Acceptance of Terms

Your use of reflectivecog.com constitutes acceptance of these terms. If you don't agree with any part of these conditions, you should discontinue use of our platform immediately. We reserve the right to modify these terms at any time, and continued use after changes indicates your acceptance of the revised terms.

These terms apply to all visitors, students, and users of our educational content and services. This includes free resources, paid programs, and any communication channels we maintain.

Educational Services and Content

Our platform provides educational content related to financial analysis fundamentals. This content is designed for learning purposes and should not be construed as financial advice, investment recommendations, or guarantees of any specific outcome.

What We Provide

• Educational materials on financial analysis concepts and methodologies
• Learning programs structured to build foundational knowledge over time
• Access to instructional content through our online platform
• Support resources to assist with your learning journey

What We Don't Promise

We're committed to providing quality education, but we can't guarantee specific career outcomes, employment placement, or financial success. Your results depend on many factors outside our control, including your effort, background, market conditions, and individual circumstances.

Learning takes time. Our programs are designed with realistic timelines, typically spanning six to twelve months for comprehensive understanding of fundamental concepts.

User Responsibilities and Conduct

When you use our platform, you agree to certain standards of conduct. These aren't complicated, but they matter for maintaining a productive learning environment.

Account Usage

• Provide accurate information when creating your account
• Keep your login credentials confidential and secure
• Notify us immediately if you suspect unauthorized access
• Use the platform only for legitimate educational purposes
• Don't share your account access with others

Prohibited Activities

You may not use our platform to engage in activities that harm others or violate applicable laws. This includes but isn't limited to:

• Distributing our copyrighted materials without authorization
• Attempting to access restricted areas of the platform
• Using automated systems to scrape or download content
• Harassing other users or our staff
• Misrepresenting your identity or affiliation
• Interfering with the platform's normal operation

Intellectual Property Rights

All content on reflectivecog.com, including text, graphics, logos, videos, and software, is owned by reflectivecog or our licensors. This content is protected by copyright, trademark, and other intellectual property laws.

Your License to Use Content

We grant you a limited, non-exclusive, non-transferable license to access and use our educational content for your personal learning. This means you can view materials, take notes, and engage with content as part of your education.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit our content without written permission. This restriction protects both our interests and the quality of our educational offerings.

User-Generated Content

If you submit content to our platform (such as forum posts, questions, or project work), you retain ownership but grant us a license to use, display, and share that content as needed to operate our educational services.

Payment Terms and Refund Policy

Some of our educational programs require payment. When you purchase access to paid content, you agree to provide accurate payment information and authorize us to charge the agreed amount.

Pricing and Billing

All prices are listed in the applicable currency and include any required taxes. We reserve the right to modify pricing for future enrollments, though changes won't affect existing enrolled students during their program period.

Payment must be received before access to paid content is granted. We accept various payment methods as indicated during checkout.

Refunds

We want you to be satisfied with your learning experience. If you're not happy with a program within the first 14 days of enrollment, contact us to discuss a potential refund. After this period, payments are generally non-refundable given the nature of digital educational content.

Each situation is different, and we'll consider reasonable requests on a case-by-case basis. Our goal is fairness for both students and the sustainability of our educational mission.

Privacy and Data Protection

We collect and process personal information as described in our Privacy Policy. By using our platform, you consent to our data practices as outlined in that document.

We take data security seriously and implement reasonable measures to protect your information. However, no online platform can guarantee absolute security, and you use our services at your own risk.

Disclaimers and Limitations

Our educational content is provided on an "as is" basis. While we strive for accuracy and quality, we make no warranties about the completeness, reliability, or suitability of our content for any particular purpose.

Educational Nature of Content

Information provided through reflectivecog.com is for educational purposes only. It should not be considered professional financial advice, investment recommendations, or guidance specific to your personal circumstances.

Financial markets and analysis methods evolve. While we update our content regularly, some information may become outdated. You're responsible for verifying information and making decisions appropriate to your situation.

Limitation of Liability

To the fullest extent permitted by law, reflectivecog and its affiliates are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of our platform. This includes but isn't limited to loss of profits, data, or opportunities.

Our total liability for any claims related to our services is limited to the amount you paid us in the twelve months preceding the claim.

Termination Rights

We reserve the right to suspend or terminate your access to our platform if you violate these terms or engage in conduct that we determine to be harmful to other users or our services.

You may terminate your account at any time by contacting us. Upon termination, your right to access our platform ceases immediately. Provisions of these terms that by their nature should survive termination will remain in effect.

Effect of Termination

• Access to paid content may be revoked depending on circumstances
• Your user-generated content may be deleted or anonymized
• Outstanding payment obligations remain due
• Certain terms continue to apply even after termination

Modifications to Services and Terms

We're constantly improving our educational offerings. This means we may modify, suspend, or discontinue any aspect of our platform at any time. We'll make reasonable efforts to notify users of significant changes, but we're not obligated to maintain any particular feature or service indefinitely.

These terms may be updated periodically. We'll post the revised version with a new effective date. Material changes will be communicated through our platform or via email. Your continued use after changes take effect indicates acceptance of the modified terms.

Governing Law and Disputes

These terms are governed by the laws of Taiwan, without regard to conflict of law principles. Any disputes arising from these terms or your use of our platform will be subject to the exclusive jurisdiction of courts in New Taipei City, Taiwan.

Dispute Resolution

Before initiating formal legal proceedings, we encourage you to contact us to resolve disputes informally. Most concerns can be addressed through direct communication, saving time and resources for everyone involved.

If informal resolution isn't successful, disputes may be submitted to binding arbitration in accordance with applicable Taiwan arbitration laws, unless prohibited by local regulations.

General Provisions

Entire Agreement

These terms, together with our Privacy Policy and any other legal notices published on our platform, constitute the entire agreement between you and reflectivecog regarding use of our services.

Severability

If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary while the remainder of the terms remain in full effect.

No Waiver

Our failure to enforce any right or provision of these terms doesn't constitute a waiver of that right or provision. All rights not expressly granted are reserved.

Assignment

You may not assign or transfer these terms or your rights under them without our written consent. We may assign our rights and obligations under these terms without restriction.