Welcome to Edura Financial ("we," "us," or "our"). These Terms of Service govern your access to and use of our website, educational platform, and interactive financial curriculum. By accessing our services, you agree to be bound by these Terms.

1. Agreement to Terms By accessing edurafinancial.com, registering for an account, or deploying our platform in a classroom, you agree to these Terms of Service. If you are accepting these terms on behalf of a school or district, you represent that you have the authority to bind that institution to this agreement.

2. User Accounts & Responsibilities You are responsible for maintaining the confidentiality of your account credentials. Educators and administrators are responsible for managing student access within their designated rosters. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

3. Subscriptions & Payments Edura Financial offers Free, School, District, and Individual plans. Paid subscriptions are billed according to the terms agreed upon at checkout or via enterprise contract. All fees are non-refundable unless otherwise required by law or explicitly stated in your school's contract. We reserve the right to modify pricing with prior notice.

4. Intellectual Property Rights All content on the Edura Financial platform, including lesson modules, interactive simulators, quizzes, templates, text, and graphics, is the exclusive intellectual property of Edura Financial. You are granted a limited, non-exclusive license to use these materials for educational purposes. You may not copy, resell, or distribute our proprietary content outside of the platform.

5. Acceptable Use Policy You agree to use the platform solely for its intended educational purposes. You may not use Edura Financial to transmit malicious code, attempt to gain unauthorized access to other user accounts or school rosters, or engage in any activity that disrupts the performance or security of the platform.

6. Educational & Financial Disclaimer Edura Financial is strictly an educational platform. The content, simulators, and tools provided are for informational and educational purposes only. They do not constitute certified financial, tax, legal, or investment advice. Users should consult a licensed professional for advice regarding their specific financial or tax situations.

7. Data Privacy & Student Records Your use of the platform is also governed by our Privacy Policy. For school and district accounts, Edura Financial complies with FERPA and COPPA. We rely on the educational institution to obtain any necessary parental consent for students using the platform. We maintain strict safeguards to protect student data and do not use it for commercial advertising.

8. Limitation of Liability Edura Financial is provided on an "as-is" and "as-available" basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied. We shall not be liable for any indirect, incidental, special, or consequential damages resulting from the use or inability to use our platform or educational materials.

9. Contact Us If you have any questions or concerns regarding these Terms of Service, please contact us at adam@edurafinancial.com.