Terms of Service

1. Agreement

These Terms of Service (“Terms”) govern access to and use of the CrestOrbit Finance Lab website, catalog, and course platform (“Services”). By accessing or using the Services, you agree to these Terms.

2. Eligibility

You must be at least 16 years old to use the Services. If you are under the age of majority in your jurisdiction, you represent that you have consent from a parent or guardian.

3. Accounts

You are responsible for maintaining the confidentiality of login credentials and for all activities under your account. Notify us promptly of unauthorized use.

4. Purchases and billing

Prices are listed in USD. Payments are processed by third-party providers. You authorize us to charge your chosen payment method for purchases. Taxes may apply.

5. Refunds

You may request a refund within 14 days of purchase if you have completed less than 20% of the course. To request a refund, contact [email protected] with your order details.

6. License and intellectual property

Upon purchase, you receive a limited, non-exclusive, non-transferable license to access content for personal educational use. You may not distribute, resell, or publicly display course materials.

7. Acceptable use

You agree not to misuse the Services, interfere with security, or reverse engineer any portion. You may not use the Services to provide financial advice to others without proper authorization.

8. Educational disclaimer

Content is for informational and educational purposes only and does not constitute individualized financial, investment, legal, or tax advice. Decisions based on course content are your responsibility.

9. Availability and changes

We may modify, suspend, or discontinue features. We are not liable for any unavailability or loss resulting from such changes.

10. Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits, revenues, or data.

11. Indemnity

You agree to defend, indemnify, and hold harmless CrestOrbit Finance Lab from claims arising out of your use of the Services or violation of these Terms.

12. Governing law

These Terms are governed by the laws of the State of California, without regard to conflict of laws principles.

13. Changes to Terms

We may update these Terms. Continued use after changes constitutes acceptance. The date of the latest revision is posted below.

14. Contact

Questions about these Terms? Email [email protected].

Last updated: 2026-06-01