Terms of Use

Users who are 13 years of age or older may create an account and use the Service. Users between the ages of 13 and 17 represent that a parent or legal guardian has reviewed and agreed to these Terms on their behalf.

FinEdu may permit users under the age of 13 to use the Service only after receiving verifiable parental consent, in compliance with the Children's Online Privacy Protection Act (COPPA), 15 U.S.C. § 6501 et seq. The following process applies:

• A parent or legal guardian must complete our parental consent flow during account registration on the child's behalf before the account is activated;
• We collect and verify parental consent using a method that reasonably ensures the person providing consent is the child's actual parent or legal guardian;
• Before consent is given, parents receive a full description of what information we collect from the child and how it is used;
• After consent is given, the parent or guardian may at any time: (a) review all personal information collected from the child; (b) direct us to delete that information; and (c) refuse to permit further collection or use of the child's information;
• Consent may be revoked at any time by contacting us at info@thefinedu.com with the subject line "Parental Consent Revocation";
• Children under 13 will have access to a restricted version of the Service with certain features limited or disabled; and
• We will not condition a child's participation in the Service on disclosing more personal information than is reasonably necessary.

Parents and guardians: please review our Privacy Policy for a complete description of what we collect from users under 13 and how that information is used and protected.

All users must register for an account to access most features. You agree to:

• Provide accurate, current, and complete information at registration, including your full legal name, email address, date of birth, and phone number;
• Promptly update your account information if it changes;
• Keep your password confidential and not share it with any other person;
• Notify us immediately at support@thefinedu.com if you suspect unauthorized access to your account; and
• Accept full responsibility for all activity that occurs under your account.

Each individual may hold only one personal account. Creating multiple accounts to circumvent restrictions, suspensions, or subscription limitations is prohibited and may result in permanent termination of all associated accounts without refund.

FinEdu offers a free tier that includes access to core learning modules, basic financial tools, limited daily FinAI tokens (5 per day), and ad-supported content. No payment is required for the free tier.

Premium subscriptions are available at the following rates:

• Monthly Plan: $6.99 per month, billed each month; or
• Annual Plan: $59.99 per year, billed as a single upfront charge (equivalent to approximately $5.00 per month).

Premium subscribers receive expanded FinAI daily token access, an ad-free experience, increased Wads of Cash (lives), personalized FinNews impact analysis, and the full financial tools suite. Prices are subject to change with at least 30 days' written notice to existing subscribers before any increase takes effect.

The following items are available for individual purchase within the app:

• Wads of Cash (lives) refill packs — $0.99 per pack;
• Avatar cosmetics, XP boosters, and limited digital items — prices vary and are displayed at point of purchase; and
• Advanced Courses (e.g., Day Trading, Options Trading, Real Estate Investing, Starting a Business, and others as added) — $14.99 per course, one-time purchase.

All in-app purchases are final and non-refundable except as required by applicable law or the applicable app store's own refund policy.

FinEdu offers institutional plans for schools, businesses, credit unions, nonprofit organizations, and other entities. Institutional plans are billed to the institution on an annual basis. Students always access the platform for free — institutions pay for administrative tools and features only. The following tiers are available:

• Starter (Free): $0 per year. Includes 1 active course, up to 5 modules per course, and up to 20 students. Basic enrollment view only. No analytics dashboard or data export. Suitable for teachers evaluating the platform;
• Standard: $79 per institution per year. Includes 1 class per teacher account (maximum 30 students per class), full analytics dashboard, student data export, bulk student import, class broadcast notifications, weekly teacher digest email, school name co-branding, sequential learning paths, completion certificates, and email support with 48-hour response;
• Professional: $199 per institution per year. Includes everything in Standard, plus: the ability to customize your own course ($149 one-time add-on per course), multi-class management, progress reports to parents, shared course library across teachers, engagement and attendance tracking, classroom game mode, private FinHub class channel, and paper trading class monitor (Summer 2026 features); and
• Enterprise: Custom pricing. Includes everything in Professional, plus: district rollup dashboard, LMS grade passback (Canvas, Google Classroom, Schoology), parent/guardian portal, full white-label branding, HR and compliance documentation reports, SSO integration, 99.5% uptime SLA, multi-year discounts, and a dedicated account manager.

Nonprofit organizations with 501(c)(3) status are eligible for discounted institutional rates: Standard at $59 per year and Professional at $99 per year. Nonprofit status must be verified at signup.

All institutional plan pricing is subject to change with at least 30 days' written notice to existing institutional account holders, except as provided in Section 12.4 regarding multi-year contract pricing.

Payments are processed by Apple In-App Purchase (iOS), Google Play Billing (Android), and Stripe (web transactions). FinancialEdu Inc. does not store credit card numbers, bank account details, or full payment instrument information. All payment processing is subject to the terms and privacy policies of the applicable processor.

Subscriptions renew automatically at the end of each billing period unless cancelled at least 24 hours before the renewal date. To cancel:

• iOS: Settings > [Your Name] > Subscriptions;
• Android: Google Play app > Subscriptions; or
• Web: FinEdu account settings > Subscription > Cancel.

Cancellation takes effect at the end of your current paid billing period. You retain Premium access through the end of that period. No partial refunds are issued for unused subscription time unless required by law.

All purchases are generally final. Refund requests for web platform purchases must be submitted within 48 hours of the transaction to support@thefinedu.com. Refunds are at our sole discretion except where required by law. Purchases made through Apple or Google must be refunded directly through those platforms per their respective refund policies.

• The institution is solely responsible for ensuring its use of the Service complies with applicable education privacy laws, including FERPA, COPPA, and applicable state student privacy statutes including but not limited to SOPPA (Illinois) and SOPIPA (California);
• Student performance data accessed through the admin dashboard may be used only for legitimate educational or HR purposes and may not be commercially sold, licensed, or used for any unrelated purpose;
• The institution must obtain all necessary parental or guardian consents for student users under 13 (COPPA) and for users between 13 and 17 as required by applicable state law; and
• Each institution is solely responsible for the security of its administrator login credentials.

As between FinancialEdu Inc. and the Institution, the Institution retains all ownership rights to: (a) student and employee performance data generated through use of the Service; (b) course content created by the institution using FinEdu's course tools; and (c) any other data entered into the platform by the institution, its instructors, or its enrolled users. FinancialEdu Inc. processes this data solely to provide the Service and does not assert any ownership interest in Institutional Data. FinancialEdu Inc.'s use of Institutional Data is governed by this Agreement and our Privacy Policy.

Notwithstanding the non-transferability provision in Section 22, Institutional Accounts may transfer administrator access to a designated successor administrator by providing written notice to info@thefinedu.com. The transferring administrator must identify the successor in writing. FinancialEdu Inc. will process the transfer within 5 business days of receiving written notice. This provision applies to all institutional tiers and does not require a new subscription agreement.

Institutions that commit to a multi-year subscription at the time of purchase are eligible for the following discounts off the then-current annual institutional rate:

• 2-year commitment: 10% discount applied to each year of the contract; and
• 3-year commitment: 15% discount applied to each year of the contract.

Multi-year pricing requires payment of the first year at signing. Discounts are non-transferable and apply only to the account and tier covered by the original agreement. If the institution downgrades tiers during a multi-year term, the discount applies to the new lower tier rate.

Upon cancellation of a paid Institutional Account (Standard, Professional, or Enterprise), the institution will retain read-only access to its account data for a period of 90 days following the cancellation effective date, solely for the purpose of exporting student, employee, or participant data and course records. After this 90-day period, all Institutional Data will be deleted in accordance with our standard data retention policy as described in the Privacy Policy. FinancialEdu Inc. will send a reminder notice 14 days before the export window closes.

Enterprise tier customers under a separate Enterprise Agreement are entitled to the following service level commitment: FinancialEdu Inc. commits to 99.5% monthly uptime availability of the FinEdu platform. Uptime is measured on a calendar-month basis, excluding: (a) scheduled maintenance windows communicated at least 48 hours in advance; (b) force majeure events; and (c) outages caused by third-party service providers outside our reasonable control.

In the event of an uptime breach, the institution will receive a pro-rated service credit equal to 1/30th of the monthly equivalent fee for each calendar day the platform is unavailable beyond the 99.5% threshold. Service credits are the institution's sole remedy for uptime failures and must be claimed within 30 days of the applicable month.

The SLA in this Section applies only to Enterprise tier customers under a separate Enterprise Agreement. Standard and Professional tier accounts are not covered by an uptime SLA, though we commit to commercially reasonable efforts to maintain service availability.

• Course content created by an institution through FinEdu's course builder remains the institution's intellectual property. FinancialEdu Inc. retains a license to host and deliver that content through the platform for the duration of the institutional agreement;
• We reserve the right to suspend or terminate institutional accounts that violate these Terms, applicable law, or the terms of any separate institutional agreement; and
• Institutions are responsible for ensuring that enrolled students and employees acknowledge and comply with these Terms of Use.

All content, features, and functionality of the Service — including course materials, software, graphics, illustrations (including the characters Fin and Ed), the FinEdu name and logo, trademarks, quiz content, and financial tools — are the exclusive property of FinancialEdu Inc. and are protected by U.S. and international copyright, trademark, and intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial educational purposes only. This license does not include the right to:

• Reproduce, copy, distribute, or publicly display our content outside the app;
• Create derivative works based on our content, characters, or course materials;
• Use our name, trademarks, logos, or characters without express prior written permission; or
• Commercially exploit any portion of the Service or its content.