Terms of Use

1. Acceptance of Terms

When you access flunkxurm.pro or participate in our learning programs, you're entering into an agreement with us. If you don't agree with any part of these terms, you shouldn't use our services. It's straightforward – we want everyone on the same page from the start.

These terms apply to all users, including prospective students, enrolled learners, and casual visitors. We may update these terms occasionally to reflect changes in our programs or legal requirements. When we do, we'll post the updated version here with a new effective date.

2. Educational Services

Flunk Xurm offers educational content focused on understanding market volatility. Our programs are designed to teach concepts, analytical approaches, and practical frameworks. But let's be clear about what we're not: we're not financial advisors, and we don't provide investment recommendations.

What We Provide

• Structured learning programs about market dynamics and volatility patterns
• Educational materials including written content, case studies, and analytical exercises
• Access to learning resources through our platform during your enrollment period
• Support from instructors who bring real-world experience to the classroom

What We Don't Provide

We don't offer financial advice, investment management, or trading signals. Our content is educational. What you do with that education is your decision, and your responsibility. We also can't promise specific career outcomes – education opens doors, but walking through them is up to you.

3. User Responsibilities

You've got responsibilities too. First, provide accurate information when you register. Seems obvious, but it matters for everything from communication to certificates.

Account Security

Your account credentials are yours alone. Don't share them with others. If you think someone else has accessed your account, let us know immediately at [email protected]. You're responsible for any activity that happens under your account.

Prohibited Activities

• Don't redistribute our course materials without permission – we put serious work into creating them
• Don't try to access parts of our platform you're not authorized to use
• Don't use our services for anything illegal or harmful
• Don't impersonate others or misrepresent your connection to Flunk Xurm
• Don't interfere with other users' ability to learn and participate

4. Intellectual Property Rights

Everything on our platform – the course content, design, graphics, text, and code – is either owned by us or licensed to us. This includes materials created specifically for Flunk Xurm courses and our proprietary educational frameworks.

When you enroll, you get permission to access and use our materials for your personal educational purposes. That's it. You can't sell them, redistribute them, or use them for commercial purposes. If you want to share what you've learned, that's great – share your own insights and understanding, not our materials.

5. Payment and Refunds

Our learning programs require payment of tuition fees. We'll be clear about costs before you enroll, and payment is due according to the schedule provided during registration.

Refund Policy

Life happens, and sometimes plans change. We offer refunds within 14 days of program start if you haven't accessed more than 20% of the course materials. After that, refunds are evaluated on a case-by-case basis. Reach out to us directly if you need to discuss your situation.

If we need to cancel a program, you'll get a full refund. Simple as that.

6. Privacy and Data Protection

We collect and use your personal information to provide our educational services. This includes contact details, payment information, and data about how you use our platform. We handle this information carefully and in accordance with Canadian privacy laws.

We won't sell your personal information to third parties. We might share it with service providers who help us run our platform, but only as necessary and under strict confidentiality agreements. For complete details about how we handle your data, check our Privacy Policy.

7. Disclaimers and Limitations

Our educational content is provided "as is." We work hard to keep information current and accurate, but markets evolve constantly. What's true today might shift tomorrow – that's kind of the point of studying volatility in the first place.

No Warranties

We don't warrant that our platform will be uninterrupted or error-free. Technology sometimes misbehaves. We'll fix issues as quickly as we can, but we can't guarantee perfect uptime.

Limitation of Liability

To the fullest extent permitted by law, Flunk Xurm isn't liable for indirect, incidental, or consequential damages arising from your use of our services. This includes financial losses from decisions you make based on your education. Our maximum liability to you won't exceed the amount you paid for the specific program in question.

8. Program Modifications

We continuously improve our programs based on student feedback and market developments. Sometimes this means adjusting curriculum, updating materials, or changing how we deliver content. We'll give you reasonable notice of significant changes that affect your current enrollment.

If we make changes that substantially diminish the value of a program you're currently enrolled in, we'll work with you to find a fair solution.

9. Termination

We can suspend or terminate your access if you violate these terms. We don't want to do this, but we need to maintain a quality learning environment for everyone. Serious violations – like redistributing course materials or harassing other users – may result in immediate termination without refund.

You can also choose to end your participation at any time. Depending on timing and circumstances, you might be eligible for a partial refund as outlined in our refund policy.

10. Governing Law

These terms are governed by the laws of Quebec, Canada. Any disputes will be resolved in the courts of Quebec. We're located in Kuujjuaq, and that's where our legal home base sits.

Before going to court though, let's talk. Most issues can be resolved through honest conversation. Reach out to us if something isn't working – we'd rather fix problems than fight about them.

11. International Students

Our programs welcome students from around the world. If you're accessing our services from outside Canada, you're responsible for compliance with your local laws. Some jurisdictions have restrictions on financial education or online learning – make sure you're in the clear before enrolling.

Currency exchange rates may affect your costs if you're paying in a currency other than Canadian dollars. Any conversion fees or rate differences are your responsibility.

12. Communications

When you enroll, you agree to receive communications from us about your program. This includes important updates, schedule changes, and educational announcements. We won't spam you with marketing emails, but we do need to be able to reach you about program matters.

You can opt out of non-essential communications, but you'll still receive critical program updates that affect your enrollment.

13. Severability

If any part of these terms is found to be unenforceable, the rest remains in effect. We've tried to write terms that are fair and legally sound, but if a court disagrees with something specific, that doesn't invalidate everything else.

14. Entire Agreement

These terms, along with our Privacy Policy and any program-specific agreements, constitute the complete agreement between you and Flunk Xurm. They replace any prior understandings or agreements about using our services.

Nothing in these terms creates a partnership, employment relationship, or agency between us. You're a student using our educational services, and we're the organization providing them.